By Joanne Jeffries. Last Updated 5th November 2021. Welcome to this case study with information on personal injury claims payouts for a fractured sternum.
This case study shows how a 59-year-old-man had to seek a compensation payout for a sternum fracture following a motor vehicle collision, in which the other driver was to blame and uninsured, and tragically died.
We are using this sternum fracture claims case as it is a very good example of how claims can proceed even when the other party sadly dies and there is no insurance available to claim a compensation payout for a sternum fracture or other associated injuries. We offer a no win no fee service and can help with cases just like these, so get in touch today if you’re in a similar situation and wish to make a claim.
Following the car crash the police concluded that the other driver was to blame but when the injured party tried to claim for a compensation payout for a sternum fracture he had suffered it soon became apparent that the other driver was not insured. The claimant employed a personal injury solicitor who began a case against the Motor Insurers Bureau (MIB) and eventually secured a compensation payment of over £300,000 to cover pain, suffering and loss of earnings.
The motorist’s injuries led to a 4-night stay in hospital and resulted in a fractured sternum, a soft tissue injury of the wrist and fractured ribs which, as you will read later in this article, had a huge impact on the man’s day to day life as well as his employment – all of which had to be taken into account when the solicitor involved prepared evidence to back up the amount of compensation claimed.
Accident Claims UK are available to take on similar compensation claims for a sternum fracture, read on to find out how we can help.
Claims Involving The Motor Insurance Bureau
You may wonder how it’s possible to request a compensation payout for a sternum fracture when the other party isn’t actually insured but it is something that is possible thanks to the MIB scheme.
When people take out insurance a small amount from each premium goes to the MIB fund for cases just like this. When it is identified that the driver doesn’t have insurance then your personal injury solicitor can lodge a claim with the MIB to seek compensation for personal injuries such as a chest injury, sternum injury or broken ribs as was the situation in this claim.
People often complain that the cost of insurance is too high but the MIB is an effective solution when you’re seeking compensation against an uninsured driver. If this scheme wasn’t in place insurance policies would be a little cheaper but if you were involved in a serious road traffic accident, then there would be no way to claim compensation for your losses.
As we’ll see later in this case study, the impact on the victim was so severe that if he couldn’t have made a claim for a compensation payout for his sternum fracture then the results on his life would’ve been devastating.
What Impact Did The Sternum Fracture Have On The Claimant?
The claimant in this case was a self-employed electrical contractor so while he was in hospital and while in recovery he was unable to work. This meant that he had little choice but to claim for a compensation payout for a sternum fracture otherwise he wouldn’t have been able to pay his essential bills like rent and bills while recovering.
The sternum is also known as the breastbone and it is the bone down the center of the chest that the ribs connect to. A compensation payout for a sternum fracture would be easier to obtain if there is evidence, such as an x-ray, of the nature of the fracture. A personal injury solicitor will usually gather evidence from any GP or surgeon involved in the assessment or treatment of a claimant.
After recovering as much as he was going to he did attempt to return to work, part-time initially, but it was a very physical role and his injuries meant he struggled with pain all of the time and it was impossible for him to carry out any heavy lifting, an essential part of his job.
Establishing Liability For The Crash And Conducting The Claim
The liability for the crash was determined by the police investigation which found the other driver was to blame. It may seem a horrible thing to have to do, i.e make a claim for compensation for a sternum fracture against somebody who has died but it is often necessary, as was the case for the claimant involved in this accident, to cover financial losses that the accident has caused.
The Motor Insurers Bureau didn’t contest the liability when the claimant’s solicitor lodged a claim, but the amount of compensation required did have to be decided by a judge in this case.
It’s quite rare, in our experience, for a personal injury claim to ever get to court as mostly insurers want to get claims settled without their own legal costs spiralling but this case was more complex and required a judges decision on the actual amount of compensation that should be awarded.
What Sternum Fracture Payout Was Offered To The Claimant?
The judge decided that there were two parts to the compensation claim for a sternum fracture to take into account. The first part was for pain and suffering which resulted in £19000, then the second part of the claim was for over £280,000 which took into account the loss of earnings and future loss of earnings because the claimant was unable to work as an electrical contractor following the accident.
Following the judge’s decision, the MIB fulfilled the compensation payout for a sternum fracture that had been sought and the client’s claim was settled in full.
We have a specialist team of no win no fee solicitors on hand who’ve got a vast knowledge of gaining insurance settlements for fractured sternum injuries and are available today to commence a claim for you.
No Win No Fee Claims For A Fractured Sternum
You may be wondering if it’s worth trying to claim a compensation payout for a sternum fracture when you consider how much a decent legal team can cost. Some solicitors charge an hourly rate, which can run into thousands of pounds, even if they don’t actually win the case and get you any compensation.
At Accident Claims UK, we believe it is only fair that you should only pay us if we win your case which is why, if we take on your compensation payout for a sternum fracture claim, we’ll do so on a no win no fee basis.
When we take your case on we won’t charge up-front fees, hourly fees or charge anything if we don’t win compensation. We offer a free consultation where you can tell us why you want to claim compensation for a sternum fracture and if we agree you should claim then we’ll offer to proceed with your case.
Speak To Accident Claims UK Today About Personal Injury Claims Payouts for a Fractured Sternum
If you are now ready to proceed and claim for a compensation payout for a sternum fracture that happened within the last 3 years (there are time limits for personal injury claims) then we are ready to take your call today.
Our specialist team can take details of your claims by:
- Telephone: 0800 073 8801
- Live Chat: Staff are waiting to chat now
- Email: firstname.lastname@example.org
- Contact Form: Click here
If you’re still not sure if your eligible to claim a compensation payout for a sternum fracture, then why not call us. It’s free and we’ve got vast experience in personal injury claims like this and we’ll let you know of the likely outcome of your case.
What damages make up personal injury claims payouts for a fractured sternum?
When you look to claim compensation for a fractured sternum, there are different types of damages you could receive.
These relate to the compensation you could receive for your pain, suffering and loss of amenity. In order to work out how much compensation could be appropriate in personal injury claims settlements in the UK, you would need to provide medical evidence of your injuries. A doctor’s report from your GP or local hospital would not be sufficient to help you with your claim. Instead, you would need to add attend an appointment with an independent medical specialist, who could then write a medical report which detailed your injuries as well as your prognosis. At your appointment, they would probably examine your injury, and may order further tests if necessary. They could also ask you questions about your injury and how it is affected you.
These relate to the compensation you could receive for any costs and losses you encountered due to your injuries. This could include a loss of earnings claim if you’ve needed to take time away from work to recover. It could also include medical expenses, travel expenses and even care costs, if you have needed care at home while recovering.
How can I maximise personal injury claims payouts for a fractured sternum?
If you would like to maximise your compensation payout, having sufficient evidence to prove your claim and any costs associated with it as well as how you’ve suffered with your injury could be vital. The stronger the evidence you have the more chance you have of getting the maximum compensation payout possible for your claim. As well as this, choosing the right personal injury solicitor to help you with your claim could significantly impact the compensation amount you’d receive. A specialist lawyer, authorised and regulated by the Solicitors Regulation Authority could have the knowledge and experience to fight for the maximum compensation payout possible for your claim.
How common are personal injury claims for a fractured sternum related to car accidents?
A fractured sternum is an injury you could receive in a number of different types of accidents. While we do not have figures for how many fractured sternums have been caused by car accidents in the UK, we can give you a little insight into how common car accident injuries could be. According to the Department for Transport, in provisional figures they have received for 2020, more than 115,000 people suffered an injury in a UK road traffic accident in 2020. This was even despite there being four month’s worth of restrictions which led to people staying at home rather than travelling to work in some cases. You can see the types of road users that were most commonly injured in the graphic below. It might surprise you to notice the difference between how many people were injured in 2019 and 2020. However, you should keep in mind that there were lockdown restrictions in place during this time.
Helpful Resources Relating To Personal Injury Claims Payouts for a Fractured Sternum
Here are a few useful articles that you can use to help decide if you’re going to proceed and claim for a compensation payout for a sternum fracture that you’ve suffered.
NHS Guide to Chest Injuries – Includes healing times and treatment plans.
Car accident claims – if you’re wondering how to start a car accident claim this page gives in-depth advice.
MIB claims – How to claim compensation with Accident Claims UK and the MIB.
Thank you for reading this case study on personal injury claims payouts for a fractured sternum. Whether you’re looking to make a fractured sternum claim for broken sternum injuries at work caused by manual handling, or for those sustained in a car accident our solicitors aren’t limited to handling just one type of claim. Please call us to start your claim today.