How Is A Personal Injury Claim Calculated? – How To Calculate Compensation Amounts For A Personal Injury?

If you’ve been involved in an accident and considered making a compensation claim, then you may have asked “How is a personal injury claim calculated?” This guide is going will answer that question and provide information on how much different types of injuries can be worth in terms of compensation payments.

Advice.co.uk offers free legal advice for anybody considering making a compensation claim and works with no win no fee solicitors to ensure clients receive the full amount of compensation they deserve.

If you’d like to begin a claim, then please call 0161 696 9685 today and speak with one of our specially trained advisors about your accident and how it was caused.

If you’d like to know more first, then please carry on reading and we’ll try to answer any questions you may have about compensation amounts and how they’re calculated.

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A Guide To How Personal Injury Claims Are Calculated

Some people worry about making compensation claims and think that that personal injury solicitors are expensive, and they could end up with a big legal bill.

Calculating personal injury compensation

Calculating personal injury compensation

Here at Advice.co.uk, we offer a no win no fee claims service meaning that there is no financial risk in making a claim through us. As well as allaying those fears, this guide is going to explain how compensation is calculated, how much compensation different injuries may be awarded, the time limits involved in making a claim, what you should do in the event of an accident and how no win no fee agreements actually work.

We offer advice on any type of accident and subsequent claim so long as the accident was caused by somebody else, whether it was an accident at work, a food poisoning accident in a restaurant, a trip and fall in a shop or any other type of accident leading to a personal injury.

We work with a panel of specialist personal injury solicitors who understand the litigation around personal injury claims fully which is very important as different types of claims have different types of regulations around them.

One of the jobs of your personal injury lawyer is presenting the evidence that backs up the claims made against the defendant in a way which ensures you receive the compensation you deserve. In the majority of cases our solicitors take on, no court action is required.

We’ll cover what evidence you can collect at the time of an accident to prepare for your own claim, if you decide to make one.

Guideline Examples Of Personal Injury Compensation Amounts

We’ll cover the different components of a compensation claim in a different section (as there are quite a few that can be used to ensure full compensation is awarded) but in this section we’ll concentrate on the General Damages part of a claim.

General damages are the part of a claim that deal with the pain and suffering caused at the time of the accident and going forwards. The table below details the types of compensation ranges awarded for different types of injury:

Body PartSeverityRange of Compensation PaymentNotes
Ankle Extremely Severe£39,910 - £55,560The most serious types of ankle injury including amputation or permanent deformity
Ankle Moderate to Severe£10,960 - £39.910Includes fractures, serious and extensive surgical treatment as well as disability
Ankle MildUp to £10,960Fractures and sprains that don’t take too long to recover fully from
Arm Extremely Severe£76,650 - £239,140The most serious types of arm injury that results in amputation of one or both arms
Arm Severe£31,220 - £104,370Considerable pain and suffering and includes injuries where either one or both arms have restricted movement or permanent disability
Arm Less Severe£5,280 - £31,220An arm injury involving a substantial recovery time with limited movement in either one or both arms
Back Severe£30,910 - £128,320Upper or lower back injuries that may lead to paralysis
Back Moderate£9,970 - £30,910Back injuries in this category can include ligament or soft tissue damage, lumbar vertebrae, some constant pain and any discomfort.
Back MildUp to £9,970Back injuries that can include soft tissue injuries, a slipped disc, strains and muscle pain.
Eye Extremely Severe£43,710 - £214,210This can include loss of sight in both eyes or loss in one eye with a partial loss in the other
Eye Moderate to Severe£7,270 - £43,710This eye injury can result in the loss of a single eye or severe restricted vision
Eye Mild£1,760 - £6,960Temporary loss of vision or pain in the eye
Face Extremely Severe£14,320 - £77,580The amount of compensation awarded in this category is determined by the facial scarring and disfigurement.
Face Moderate to Severe£1,850 - £36,310A range of compensation that includes single or multiple fractures in the face (including nose)
Face Mild£1,360 - £23,980The less serious facial injuries including some trivial scarring
Finger Mild - SevereTo £29,290This range can vary a lot depending on which fingers are injured and how many are affected
Foot Extremely Severe£66,930 - £160,600The most severe injuries that can result in the loss of one or both feet
Foot Moderate to Severe£10,960 - £55,830A fracture of the foot or an injury that results in restricted movement in one or both feed
Foot MildUp to £10,960An injury to the foot which is mild an recovery within a short period
Head Extremely Severe£224,800 - £322,060Severe brain damage that leads to long term or permanent unresponsiveness
Head Moderately Severe£174,620 - £224,800A personality or mental disability caused by a head injury
Head Moderate£34,300 - £174,620Head injuries that increase the risk of epilepsy, reduce the ability to work drastically and change in personality
Knee Severe£20,880 - £76,690A major injury to the knee including serious muscle damage, soft tissue damage and some muscle wasting
Knee ModerateUp to £20,880Minor injuries to the knee such as cartilage damage, soft tissue damage and muscle damage
Leg Extremely Severe£78,100 - £224,800This is the most severe leg injuries that leads to amputation of one or both of the legs
Leg Less SevereUp to £22,130This can include simple leg breaks through to more serious breaks which don't fully recover
Shoulder Severe£10,180 - £38,280The most serious should injuries which result in pain, numbness, restricted movement or paralysis
Shoulder Moderate£6,290 - £10,180A long term injury to the shoulder area that may restrict arm movement
Shoulder MildTo £6,290An injury with moderate pain and short recovery time
Toe Mild - SevereTo £44,710The amount of compensation awarded in this category will depend on the which toes are injured and the number
Wrist Mild - Severe£2,810 - £47,720A range of injuries from simple sprains to complete loss of use of the hand or amputation
Hand Extremely Severe£11,520 - £160,600The most severe hand injuries which requires amputation of one or both hands
Hand Moderate to Severe£4,640 - £10,580Injuries to the hand including crush injuries that may result in permanent restricted use of the hand at the upper end of the compensation range.
Hand Mild£730 - £3,460Injuries that fully recover within 6 months
Neck Extremely Severe£36,240 - £118,240Sever neck injuries where movement is restricted by the injury
Neck MildUp to £ 6,290Soft tissue type injuries that could include whiplash

As you’ll see, each injury type has a range associated with it from minor to severe. Which means an injury such as a broken leg will obviously be awarded less compensation than an injury which leads to amputation of the leg.

One of the jobs your solicitor needs to do is to present evidence which proves, beyond doubt, how severe your injury was so that your award is from the right part of the relevant range.

What Is Personal Injury Compensation And Damages

Personal injury claims are made up of ‘head of loss’ which are common losses that occur in personal injury claims and are used by many solicitors and claims companies to work out how much a claim may be worth.

Commonly, there are usually 3 main types of heads of loss which are used in compensation claims which are:

  • General damages
  • Special Damages
  • Future Losses

We’ll cover these in more detail in the next section and cover the sub categories that can come under each of these losses when putting a claim forward.

Types Of Loss Or Damages You Can Claim For

As mentioned, there are different parts (heads of loss) which can be used in any personal injury claim and this is really the answer to the question “How is a personal injury claim calculated?”. There is no such thing as a personal injury calculator, so these elements are what really calculate the amount of compensation awarded.

Each claim is unique so not all elements will be used in all claims, but the main parts of a claim are:

General Damages

These are the amounts of compensation awarded for the pain and suffering caused by an accident. As you’ll have seen in the earlier table, the UK legal system has devised a range of compensation amounts for different types of injuries so your solicitor should be able to provide you with an estimate payment amount once they’ve assessed your claim with you.

You may be wondering “How do you calculate pain and suffering?” well the solicitor may use a medical professional to assess the impact the claim has had on you to determine where in the range of compensation your injuries sit.

Special Damages

Special damages are the types of costs that leave you ‘out of pocket’ following an accident and would normally need to be proven by way of receipts or credit card statements and are listed below:

Medical Expenses

If you incur any costs for treatment or prescription medicines, then you can include these in your compensation claim.

Care Costs

If you require help while you are recovering from your injury, then you could claim back the costs associated with any carer or helper providing it is directly linked to your injury. These could be costs you’ve paid out or costs incurred by the carer (such as taking time off from work or travel costs to get to you).

Travel Costs

You are also entitled to claim back any travel costs associated with your injury and recovery. This could be travelling to and from appointments or it could include the costs involved with alternative travel arrangements that you need to make because you’re unable to drive yourself. You can also include car parking costs in these types of claims.

Loss of Earnings

If you have to take time off from work and your employer doesn’t pay full sick pay, then you can claim back the difference. If you need to change jobs because your injury prevents you from completing tasks that you previously were able to make, or you have to stop working altogether because of a severe injury, then you could also make a claim for future loss of earnings which, depending on your skills and age, could lead to a large amount of compensation.

Choosing the right personal injury solicitor is important as it’s essential they understand how the claim has impacted you fully and that they include all heads of loss in the initial claim, as once the claim is settled, they can’t go back and ask for any more. This is why Advice.co.uk uses a panel of solicitors with up to 30 years’ experience in personal injury claims.

How Much Can I Claim For A Head Injury?

Head injuries of any time can be very worrying and lead to very serious injuries and brain damage. There is actually no limit on compensation for brain damage as it is assessed and depends on the seriousness of the damage.

With minor injuries (with no brain damage at all) claims can range from around £1,760 to £10,180 but major injures to the head (and can include brain damage) can be upwards of £174,620

How Much Can I Claim For A Psychological Injury?

Psychological injuries can be difficult to assess but once a medical professional has determined the extent of any mental harm caused the compensation ranges can be applied. For a temporary psychological injury (that will resolve back to normal quickly) the range can be between £1,220 and £4,670. More severe and probably permanent mental and psychological injuries can be awarded in the region of £92,240.

How Much Can I Claim For An Upper Body Injury

An upper body injury that is deemed minor can be awarded in the region of a few hundred pounds to several thousand pounds. The more serious injuries such as the loss of both arms can see compensation of £250,000+. The upper body region of the body can include the shoulders and neck area.

How Much Can I Claim For A Lower Body Injury

The lower body includes hips, legs, knees, feet, ankles and pelvis and any injury to these can be claimed for. Again, depending on the severity of the injury the amount of compensation will change.

In terms of a minor injury with a high likelihood of complete recovery the range can be between a few hundred pounds and £10,000. With injuries that include loss of use, permanent disability or high amounts of constant pain, for example the loss of both legs, the payment amount could reach £220,000+.

How Much Can I Claim For A Back Injury

Depending on the type of injury, the pain caused and the impact of the injury (such as restricted movement or paralysis) the compensation range for back injuries can be in the range of a few hundred pounds to £128,320.

Back injuries can be very complex and require specialist medical assessment to determine how severe the accident is, which is why our solicitors employ medical assessors and experts who can determine the impact of such injuries.

How Much Can I Claim For An Arm, Hand, Or Finger Injury

This type of injury can result in very minor injuries or very serious complaints that can alter the claimant’s life permanently, especially if their dominant hand is severely injured.

The less serious injuries in this category can pay out between a few hundred pounds and £5,000 but the more serious that include loss of use, long term disability and amputation could reach £250,000+.

What Is The Purpose Of A Compensation Claim?

The proper purpose of compensation for personal injury claims isn’t simply to be given a load of cash, it is actually defined as the amount of money required to put the claimant back (or as near as possible) to the condition they were in prior to the accident.

The compensation is actually paid out to compensate for the pain and suffering but also to compensate for any costs caused by the accident and to aid the recovery of the condition or to make changes to ensure recovery is easier going forward.

You may have seen negative reports online or in the press about personal injury claims but as you can see, if a claim is honest and necessary, it can actually help an injured person massively in their recovery.

How Long Do I Have To Claim Compensation?

The personal injury claim time limits in the UK vary depending on the type of accident you’ve been involved in or where it happened.

To help, we’ve provided the table below which outlines the time limits involved with different scenarios.

Type Of InuryTime Limit for This Type of Claim
Accident at work3 years
Road traffic accident3 Years
Clinical Negligence3 Years
Criminal injury2 years after the criminal act happened

It’s important that you contact us as soon as possible after your accident so that the solicitors we use have as much time as possible to prepare a claim. They need to work with witnesses, legal experts and medical experts when making a claim, all of which takes time.

If you’re unsure where your accident fits into these time limits, please call us today for free legal advice on your situation and so we can assess if your claim can still be made.

How Do I Make A Personal Injury Claim?

To begin your claim, you simply need to pick up the phone and give Advice.co.uk a call but there are a number of things you can do at the time of your accident to make claiming compensation easier and much more likely to be successful:

  • First and foremost, you should contact a doctor or visit a hospital so that you receive treatment for your injuries. At the same time, medical records will be created by the doctor that assess the extent of your injury and detail your treatment as well. These records can then be used by us and our solicitors as a basis for your compensation claim, without them claiming compensation is very difficult.
  • Another big step to take is to photograph the scene of the accident while everything is still in situ. If you go back later, the scene may have been cleared up and the root cause of the accident removed or repaired so it’s vital to try and record the scene of the accident as soon as possible. If the accident involves vehicles, then you could ask other drivers for dashcam evidence if any of their vehicles are fitted with the devices.
  • Ask witnesses to write a statement about what they saw at the time the accident happened. If they’re independent witnesses then make sure you get their contact details as well such as name, email address and telephone number.
  • If you’re in a public place like a shop, restaurant, supermarket or gym then ensure you report the accident to staff and ask that they provide you with a copy of the report from their accident report book. The same is true if your accident happens in your work place.

Remember that there are time limits to make any personal injury claims, which we covered earlier in this guide, so ensure you give your solicitor as much information as possible within plenty of time.

No Win No Fee Personal Injury Claims

No win no fee compensation claims actually enable a lot of people to make a claim who otherwise may not have done because you never actually have to send your solicitor payment.

The system starts with a no win no fee agreement where the solicitor will outline the work they will do and agree a fixed percentage of your compensation that they will keep if they win the case to cover their services.

Then, if they do go on to win the case, they will retain their agreed fee and then send the rest of the compensation directly to you. If they lose, you don’t have to pay them anything at all for their service.

The alternative to no win no fee agreements mean that you pay the solicitor an hourly rate for their service. This type of service does mean that you keep 100% of the compensation but the risk is that if they lose the case, you still have to pay their fees.

At Advice.co.uk we only work with a panel of specialist personal injury solicitors who offer no win no fee agreements on all of the cases they take on.

How We Can Help You

If you decide to use Advice.co.uk to deal with your claim, then you can be assured you’ll be dealing with a friendly team of specially trained advisors who all want to ensure you get the best possible payment for your injuries.

We are able to offer free legal advice prior to and during your case and ensure that you remain fully up to date throughout the case.

When you are ready to claim, we’ll follow this process:

Step One: Get in touch with our team via email, phone or our live chat.Step Two: We’ll assess your claim with you.Step Three: When you’re ready, we’ll commence your claim for you.

Contact Us Now

Now that you’ve learned how personal injury claims are calculated, you know that we work with no win no fee solicitors and we can help with accidents that have happened anywhere within the UK, we hope you’re ready to contact us at Advice.co.uk to begin your own claim. If so, you can contact us by:

  • Telephone: Call us today on 0161 696 9685 and speak with one of our advisers who can answer any queries you may have.
  • Email: Send a message to claims@advice.co.uk – include brief details of your accident and we’ll get back to you at a convenient time.
  • Online: Use this online form to submit your details and we’ll get back to you.

When you get in touch, we’ll listen to the details of your accident, your injuries and how they have impacted upon you. Then we’ll offer you an honest assessment of whether we think you have a good chance of claiming compensation for your injuries. If so, we’ll begin your claim by connecting you with a no win no fee solicitor to take your case forward.

More Information

Hopefully you now understand how a personal injury claim is calculated and have decided whether to make your own claim or not. For your information, here are some more useful articles and guides which may be relevant:

How to Make a Personal Injury Claim – Now you have read our advice on how to calculate compensation, this guide explains how to make your personal injury claim.

Head Injuries and Concussion – A guide, from the NHS, regarding the symptoms and types of head injuries that can occur.

Broken Bones – Another guide by the NHS, but this one is about broken and fractured bones including the types of breaks that can occur.

Health and Safety Executive – The organisation that governs health and safety at work with specific regulations and guides for employers to ensure the safety of their employees.