How Do Multiple Injury Claims Work?

If you are injured in an accident you did not cause, you might already know that you could claim compensation through a personal injury claim. However, what do you do if you sustain multiple injuries? This is an important consideration because, once you have settled a claim, you cannot request further compensation later on. Therefore, it’s vital that all injuries are fully assessed before you submit your claim. In this article, we’ll explain the process for making multiple injury claims. Furthermore, we will show you when you could be entitled to compensation, how to prove your claim and what level of compensation could be paid.

multiple injury claims

Multiple injury claims guide

Can You Make A Personal Injury Claim For Multiple Injuries?

To help you start the claims process, we offer a free assessment of your case. During the telephone call, we’ll explain your options and give free legal advice. Where it appears that your case has strong grounds, we could connect you with one of our personal injury solicitors. Importantly, they’ll work on a No Win No Fee basis for any claim they take on.

To begin the claims process straight away, please call our advisors on 0800 073 8801. Alternatively, please continue reading to find out more.

Select A Section

  1. A Guide On Multiple Injury Claims
  2. What Are Multiple Injury Claims?
  3. How Does The Law Define Multiple Injury Claims?
  4. Types Of Multiple Injury Claim
  5. Work-Related Multiple Injury Claims
  6. Multiple Injury Claims After A Road Traffic Accident
  7. How Could You Be Affected?
  8. How Will Your Payout Be Calculated?
  9. Calculating Payouts For Multiple Injury Claims
  10. How Do I Request An Interim Payment?
  11. What Other Damages Could You Claim?
  12. Making A Multiple Injury Claim With A No Win No Fee Solicitor
  13. Why Choose Us For A Multiple Injury Claim?
  14. Contact A Solicitor
  15. Learn More
  16. Multiple Injury Statistics
  17. Frequently Asked Questions About Multiple Injury Claims

A Guide On Multiple Injury Claims

In our experience, many road traffic accidents, accidents at work and accidents in public places will result in multiple injuries. If the accident was not your fault, you could claim compensation for any pain, suffering and financial losses the injuries cause.

The claims process can be tricky and can require medical evidence. For that reason, our advice is to let a solicitor help with multiple injury claims. Using their experience, they should consider all aspects of your suffering to try and ensure you receive a fair amount of compensation.

We’ll provide more detail on the types of injuries you could claim for as we continue through this guide.

Evidence To Support A Multiple Injuries Claim

As part of a multiple injuries claim, you will need to demonstrate what happened, that the other party was at fault and what injuries you sustained. That’s why gathering evidence is important. What will be available will vary from case to case but evidence that you could use includes:

  • A picture of the accident scene can be vital evidence. Ideally, you should try to take one as soon as possible, where it is safe to do so, and before anything has been moved.
  • Accident reports. Businesses and employers are obliged to record any accident that’s reported to them. You should request a copy of the report as it makes denying that the accident took place very difficult.
  • Medical records. It is important to get your injuries treated. By doing so, the chances of them healing correctly will improve. At a later date, you could ask for a copy of your medical records to help prove the extent of your injuries.
  • Witness details. Where the defendant disagrees with your version of events, witness statements could be used. Therefore, where possible, write down details of anybody who saw what happened.
  • CCTV / Camera footage. If your accident was captured on camera, you’re within your rights to request a copy. Therefore, try to secure any CCTV or dashcam footage before it is wiped.

Time Limits For Multiple Injury Claims

Before we move on, it’s important to point out that there is generally a 3-year time limit for claims. This will usually start from the date of your accident. However, where your injuries aren’t diagnosed until later on, the limitation period could begin from your date of knowledge that negligence at least contributed to the injuries.

The time limit doesn’t apply to injury claims involving children until they reach their eighteenth birthday. When they turn eighteen, they have three years to claim. A litigation friend can claim for them at any time before their eighteenth birthday.

In regards to those who lack the mental capacity to claim, a litigation friend could also claim on their behalf. However, if the person regains mental capacity, they would have three years to claim from the date of their recovery.

What Are Multiple Injury Claims?

Multiple injury claims might be required if you’re injured in an accident that was caused by somebody else’s negligence. All injuries must be included in a single claim and that includes injuries that might present in the future.

This makes the process more complicated. Medical evidence is needed to substantiate each injury. This may require evidence from medical professionals with different fields of expertise.

It’s important your claim is fully investigated. That’s because, if you settle your claim too early, you won’t be able to request compensation for any pain that occurs later on.

For example, if your hand is crushed in an accident at work, as well as your initial injuries, you might suffer from osteoarthritis in the future. Similarly, if you are seriously injured in a cycling accident, you may suffer from anxiety, distress or even Post-Traumatic Stress Disorder (PTSD) in the future.

As you can see, there is a lot to think about when making multiple injury claims. If you’d like free legal advice on your options, please call today.

How Does The Law Define Multiple Injury Claims?

In law, there is no definition for multiple injury claims. Our experience would suggest they are defined as claims involving:

  • Injuries or illnesses affecting more than one part of the body.
  • The injury and the scarring that is left.
  • Psychological suffering on top of any physical injuries.

If you’d like to check whether your case involves multiple injuries, please call our advisors today.

Types Of Multiple Injury Claim

In the next couple of sections, we’ll look at some more common accidents that could lead to multiple injury claims. Before we do, let’s look at some of the more common injuries that the claims could include:

Work-Related Multiple Injury Claims

You could be entitled to compensation if you’ve suffered multiple injuries in a workplace accident. If you can show the accident was caused by your employer’s negligence, you could have grounds to proceed.

Some examples include workplace accidents caused by:

  • Inadequate safety training.
  • Faulty, unmaintained or damaged machinery.
  • A lack of proper, necessary personal protective equipment.
  • An unsafe working environment.
  • Fatigue (caused by your employer making you work too many hours without breaks).

Your employer is not allowed to sack you, demote you or discipline you for making an honest claim against them. Therefore, don’t be worried about claiming for multiple injuries at work. Our advisors will talk you through the claims process when you call.

Multiple Injury Claims After A Road Traffic Accident

Road traffic accidents (RTAs) are perhaps one of the most common ways of sustaining multiple injuries. Again, if the accident in which you were injured was caused by somebody else, you may have the grounds to take action.

Accidents involving cars aren’t uncommon. However, multiple injuries can be more likely if you’ve been knocked off a bike or motorbike. The same is true for accidents involving pedestrians.

Pedestrians, cyclists, motorcyclists and horse riders are the most vulnerable road users. It can be difficult to claim if you’ve been injured due to a cyclist, pedestrian or horse rider’s negligence on the road due to the likelihood of a lack of insurance.

However, if you were injured because of a motorist or motorcyclist’s negligence, you could find it easier to claim. It is a legal requirement for them to carry insurance.

If you or a loved one have been injured in an RTA and sustained multiple injuries, why not call to have your claim assessed for free?

How Could You Be Affected?

The impact of sustaining multiple injuries can be significant and affect a number of aspects of your life. They include:

  • After suffering multiple injuries, you might lose income because you need a long time off work to recover. In more serious cases, you might need to change jobs or you might not be able to work again.
  • Social and family life. Severe injuries can have a significant effect on your social life. Aside from that, you may need to be cared for temporarily. In more serious cases, your partner might be required to stop working to care for you permanently.
  • Mental suffering. When you’re unable to enjoy the same things you used to do prior to your accident, you might find it hard to cope. This could result in distress, anxiety or depression.

All of these will be taken into account by one of our solicitors if your claim is taken on. If you’d like our advisors to review your case, for free, please call today.

How Will Your Payout Be Calculated?

As you will be claiming for multiple injuries, you’ll need to provide evidence of:

  • Each injury you have sustained.
  • How it has affected you.
  • Whether it will continue to cause problems in the future.

This can be a complex task and that’s why solicitors will use medical experts to evaluate your injuries. When claiming for multiple injuries, multiple medical specialists may be required. For example, an orthopaedic specialist might be required to assess any bone fractures caused by a car crash but a psychiatrist may be required to review any ongoing mental harm.

Once everything has been assessed, your solicitor will compile your case and calculate how much compensation you’ll request.

Calculating Payouts For Multiple Injury Claims

We are now going to spend a little time looking at the potential value of your injuries. This part of a claim is called general damages. It aims to cover any pain, suffering or loss of amenity.

When solicitors provide compensation estimates, they’ll often use figures from the Judicial College Guidelines. These guidelines contain a list of various injuries and their respective potential compensation amounts.

Therefore, we’ve used those same amounts in the compensation table that follows.

Type Of ClaimSeverity LevelCompensation RangeAdditional Details
ElbowSevere (a)£36,770 to £51,460Includes any elbow injury that is severely disabling.
BackMinor (i)£7,410 to £11,730This category is for soft tissue damage where recovery takes around 2 - 5 years without surgery.
WristLong but complete recovery (d)Rarely exceed £9,620Fractures of the wrist that require longer than usual to heal but don't cause lasting damage.
WristComplete loss of function (a)£44,690 to £56,180Includes wrist injuries that lead to a complete loss of function.
HandSerious (e)£27,220 to £58,100Covers injuries that are likely to reduce function to around 50%.
AnkleSevere (b)£29,380 to £46,980Includes injuries where pins and plates secure broken bones or extensive treatment is needed.
ArmSimple (d)£6,190 to £18,020Covers fractures of the forearm that are straightforward.
KneeModerate (i)£13,920 to £24,580An example here is a torn meniscus injury causing wasting or weakness.
Psychiatric DamageModerate (c)£5,500 to £17,900There will have been quite a large impact but the claimant will be showing good signs of recovery and receive a good prognosis.
PSTD Severe (a)£56,180 to £94,470This will involve permanent PTSD symptoms and affect all aspects of the claimant's life.

You’ll notice that settlement amounts relate to the severity of your injuries. That means you’ll need an independent medical assessment during your claim. These appointments can be booked locally and are nothing to worry about.

During the appointment, a medical expert will discuss your injuries with you before examining them. They might also read through your medical notes. Once the meeting has concluded, they’ll prepare a report. This will explain your injuries and prognosis.

The aim of the report is to:

  1. Prove the severity of your injuries.
  2. Evidence that the accident worsened or caused your injuries.

Your solicitor would use the report to help them when valuing your injury.

How Do I Request An Interim Payment?

It is sometimes possible to get part of your compensation paid before your personal injury claim has been finalised. This is called an interim payment. It can only be made after the defendant has admitted liability.

They might be needed for various reasons. They include covering proven reduction in earnings. Also, you could claim the cost of paying for treatment.

An interim payment may be possible if the defendant has agreed that they were responsible for your accident but the settlement value of your claim is yet to be agreed upon. In this situation, your solicitor could ask for the interim payment to be made.

What Other Damages Could You Claim?

As we’ve shown, it is important that multiple injury claims are prepared correctly before they’re sent to the defendant. As well as claiming for the physical and psychological suffering caused by your injuries, you’ll need to consider any financial impact too. This can be done through a special damages claim. Here you could include any costs, expenses or monetary losses caused by your injuries.

Importantly, special damages are not fines or penalties. You cannot benefit from them and you will only get back any costs you’ve incurred. What can be claimed varies from case to case but could include:

  • Medical expenses. This might include any prescription fees or the cost of physiotherapy treatment that the NHS couldn’t cover.
  • Care costs. Getting help during your recovery might make things a bit easier. Therefore, you could claim back any associated costs even if your care was provided free by a family member.
  • Home alterations. For injuries that lead to long-term disabilities, changing your home could make it easier to cope. For example, you could claim back the cost of installing handrails in your bathroom to allow you to shower independently.
  • Travel and accommodation costs. Trips to the hospital, for example, can be expensive. If you incur parking, fuel or public transport costs because of your injuries, they could be added to your claim.
  • Loss of earnings. If you or your partner have lost any income as a result of your injuries, they could be claimed back. Usually, this will constitute the difference between your normal income and statutory sick pay (if you were paid statutory sick pay).
  • Future loss of earnings. Where your injuries have an adverse impact on your ability to work, any earnings reduction in the future could be factored into your claim.

Making A Multiple Injury Claim With A No Win No Fee Solicitor

Many people worry about solicitors’ costs when taking legal action. It can be enough to stop them from claiming. However, if your case is taken on by one of our solicitors, they’ll provide a No Win No Fee service. That means you don’t need to pay any solicitor’s fees unless you are compensated.

Details of when you’ll need to pay for your solicitor’s work will be included in your Conditional Fee Agreement (CFA). (This is another term for No Win No Fee agreement.)

The CFA will be sent to you if a solicitor agrees to work for you on a No Win No Fee basis. Within the CFA, there is a section on success fees. This is a fixed percentage that will be deducted from any compensation you receive. Legally, success fees are limited to a small percentage to prevent overcharging.

You won’t need to pay any solicitor fees if the case is lost.

Our advisors can check whether you could use a No Win No Fee solicitor after reviewing your case. Therefore, why not contact us today?

Why Choose Us For A Multiple Injury Claim?

Our accident claims solicitors have been helping with compensation claims for years. They provide a No Win No Fee service for every claim they work on.

We aim to deal with things as efficiently as possible. Therefore, we don’t ask you to waste time with face to face appointments. Instead, everything is dealt with online, via email and over the phone.

During the claims process, your solicitor will update you regularly. Furthermore, you’ll have access to them if you have any questions. Your solicitor will do everything for you and try to secure the maximum level of compensation available for your claim. Want to know more? If so, why not contact us today?

Contact A Solicitor

We hope that we’ve clearly explained the process used for multiple injury claims. If you are now thinking of taking action, you can contact us by:

  • Speaking to our advisors on 0800 073 8801 for help with your claim.
  • Using live chat to explain your claim to an online specialist.
  • Completing our enquiry form so we can call you back.
  • Sending an email to office@accidentclaims.co.uk to let us know why you’d like to claim.

Please feel free to contact us at any time. Our claims line operates 24 hours a day, 7 days a week.

Learn More

We have linked to some more resources and guides here to help you further.

Broken Bone Advice – Provides advice on what to do if you suspect you’ve broken a bone (NHS).

Anxiety UK – This UK charity could help if you’re suffering with psychological harm because of your accident.

Occupational Safety – Information about staying safe at work.

Public Place Accidents – Details about when you could claim if you’ve been injured in a public location.

Split Liability Claims – Information on claiming for injuries in an accident that you were partially responsible for.

Wrongful Death Claims – Details about claiming if a loved one has been fatally injured because of someone else’s negligence.

Multiple Injury Statistics

Unfortunately, there is no up to date UK-wide database of accidents involving multiple injuries. However, we can draw on information from the Health and Safety Executive (HSE) here. The HSE is a government agency that encourages, regulates and enforces workplace health and safety in Great Britain.

In the period 2019/20, statistics showed that the most common causes of non-fatal injuries to employees by accident kind (as reported by employers) were:

  • Slips, trips and falls on the same level: 29%
  • Lifting, carrying or handling: 19%
  • Being struck by moving objects: 11%
  • Violent acts: 9%
  • Falling from height: 8%

Frequently Asked Questions About Multiple Injury Claims

How are multiple injury claims calculated?

Personal injury claims compensation is generally based on the severity of your injuries. Therefore, medical evidence is required to set out the extent of each injury. This can come in the form of medical records relating to your treatment. Additionally, an independent medical expert will assess your injuries as part of the claims process.

Financial losses caused by the injury could also be added to the compensation calculation.

What is an interim payment?

After liability for the accident has been established as falling with the other side, there may be more time required to make a settlement. Therefore, until this happens, the claim won’t be settled and you won’t be paid. However, if you might benefit from an interim payment to cover the cost of private medical treatment, for instance, your solicitor could request one.

How long will a claim take?

As a result of various factors, the time it takes for multiple injury claims to settle will vary. If the defendant in the claim admits liability for your accident straight away, the claim could be finalised within around 9 months. However, where more work is required to prove liability or the extent of your injuries, the claim could take longer.

How long after being injured could I claim?

Personal injury claims have a general 3-year time limit. Therefore, if your injuries are apparent immediately, the time limit will begin from the date of the accident. However, if your symptoms don’t present immediately, the limitation period will begin from the ‘date of knowledge’ that negligence at least contributed to the injury.

Thanks for visiting today to read our guide on multiple injury claims.

Guide by BH

Edited by RV