£300,000 Compensation Payout For A Sternum Fracture – Case Study

By Joanne Jeffries. Last Updated 24th June 2022. Welcome to this case study with information on personal injury claims payouts for a fractured sternum. In it, we look at questions such as ‘How much is a broken sternum worth’ and ‘What is a fractured sternum worth in a personal injury claim if I need surgery?’ We offer guidance on what could happen after a sternum fracture, and explain what compensation for a fractured sternum could include as well as providing details of the case study. Plus, we give guidance on why you should not rely on  the average payout for a broken sternum pain and suffering. We show you how fractured sternum car accident compensation could differ significantly between cases.

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.

Broken Sternum Case Study

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Sternum fracture compensation

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.

Compensation for a fractured sternum – where could it come from?

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 compeFnsation 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.

Helping Victims Of A Fractured Sternum Get Compensation For Uninsured Driver Accidents

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 the 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.

Proving your injuries in a broken sternum claim

The sternum is also known as the breastbone and it is the bone down the centre 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 most insurers want to get claims settled without their own legal costs spiralling but this case was more complex and required a judge’s 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:

If you’re still not sure if you are 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 the likely outcome of your case.

FAQ on What Is A Fractured Sternum Worth?

What is a fractured sternum worth if it stops me playing sport?

If a fractured sternum caused by negligence stops you playing sport at a professional level, you could receive compensation for this. You would need to prove that someone’s breach of their duty of care towards you caused the injury. If you play professionally, and you lose out on income, both while you recover and afterwards, you could include loss of income within your claim.

Even if you don’t play sports professionally, the loss of ability to enjoy playing could be considered loss of amenity. You could also receive a payout for this. If you would like to talk to us about this, please don’t hesitate to get in touch.

How much is a broken sternum worth?

This depends on the level of injury and the way it was sustained. For personal injury claims, your injuries may often be calculated using medical reports and a publication of guideline compensation amounts from the Judicial College. However, other types of claims may be valued differently.

For instance, if you make a criminal injury claim through the Criminal Injuries Compensation Authority you would be compensated according to the tariff of injuries set out in the Criminal Injuries Compensation Scheme 2012.

What is a fractured sternum worth if I did it myself?

If you caused the accident and no one else was to blame, you would not usually be compensated for it. To make a successful personal injury claim for a broken sternum, someone else would have to be held liable.

If you were partly to blame, but someone else could also be held liable, you could receive a reduced amount of compensation in some cases.

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.

General damages – What is a fractured sternum worth?

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.

Special damages – How much is a broken sternum worth?

These relate to the compensation you could receive for any costs and losses you encountered due to your injuries. Special damages 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.

What is a fractured sternum worth? Could a solicitor help me get more?

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.

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What is a fractured sternum worth in a personal injury claim?

If you’re wondering how much compensation for a fractured sternum you could receive, the following factors may be taken into account. These are what could be considered when calculating a settlement:

  • How severe the initial injury was
  • Whether you needed surgery
  • What the long term effects of the injury are
  • Whether you’ve lost income because of the injury
  • Any financial costs that were caused by the injury
  • Whether they’ve had an effect on your ability to enjoy life as usual

Could I claim compensation for a fractured sternum at work?

Unfortunately, workplace accidents do happen. The HSE has reported the top causes of injury for 2020-21 and the most common cause was a slip, trip or fall. This could lead to such an injury. You can see other causes of injury at work below. 

what is a fractured sternum worth in a personal injury claim [h2/h3] - update comp table section sternum fracture compensation for a fractured sternum

If you could prove that your employer breached their duty of care towards your health and safety at work, and your sternum fracture resulted from their negligence, you could be eligible for compensation. 

What is a fractured sternum worth in a personal injury claim if it happened in an assault?

If you’re considering claiming for a sternum fracture that resulted from a violent assault, and you were the innocent victim, the compensation you receive could differ from what you’d get in a traditional personal injury claim. Your claim could be made through the Criminal Injuries Compensation Authority and you could receive an amount from their set tariff. Please call us to discuss this type of claim.

Who could claim fractured sternum car accident compensation?

If you suffer injuries in a road traffic accident that was caused by someone else’s negligence, you could claim fractured sternum car accident compensation, if this injury resulted from the car accident. You would need to prove that another road user breached their duty of care towards you, causing the injury. You could make a claim for a broken sternum as a driver, passenger, pedestrian or another road user. If you would like our assistance with claiming fractured sternum car accident compensation, we would be happy to assist you.

What else could I claim for aside from broken sternum pain and suffering?

Compensation for the pain and suffering due to a broken sternum you have experienced would be awarded under the head of claim known as general damages. You could also claim for special damages, however. These could include loss of income caused by your injuries, as well as medical and travel costs. Further to this, you could claim for the psychological damage caused by your injury. 

Why shouldn’t I rely on the average payout for a broken sternum when assessing my own claim?

Each claim is different, so the average payout for a broken sternum would likely not give you much of an idea of your own compensation. All the facts and circumstances of your case would be assessed when negotiating a settlement for you. If you’d like a rough idea of how much compensation your claim could be worth, please call our team. We would be happy to give you more information on what could be included within your payout. 

You could also look at the table below, which gives rough guidelines from the Judicial College. These guidelines set out bracket compensation amounts for different injuries.

We have used figures from the edition published in April 2022 to create the table below. Please only use these as a guide because your actual settlement will vary.

Type of injurySeverityGuideline Bracket
Chest injury(a)£100,670 to £150,110
Chest injury(b)£65,740 to £100,670
Chest injury(c)£31,310 to £54,830
Chest injury(d)£12,590 to £17,960
Chest injury(e)£5,320 to £12,590
Chest injury(f)£2,190 to £5,320
Chest injury(g)Up to £3,950
Pain disorder(other than CRPS) Severe£42,130 to £62,990
Pain disorder(other than CRPS) Moderate£21,070 to £38,490


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. We could answer your questions about ‘What is a fractured sternum worth? ‘ and help you with your claim.