Filing a Personal Injury Claim?

Here Are Some Issues to Consider

In today’s fast paced world the probability of getting hurt in your day to day activity is higher than it was a few years ago. But the big revealing question is; who is responsible for your injuries?

Injury Claim

In a layman’s opinion you might say it is fate but is it really? Almost all accidents are caused by some oversight by a responsible party. This is what in law is called negligence and it implies someone else is responsible if you or a loved one gets hurt whether at work, on the road or anywhere else.

Under the law you deserve compensation for your injuries and in most cases this is covered by an insurance policy. For example auto insurance covers the driver and passengers hurt in an accident.

While this is the ideal situation getting compensated many a times proves to be a herculean task calling for the help of a solicitor. To make a legal claim for personal injury you need to have some insight on the whole paradigm of law even when you have a lawyer by your side.

Pertinent Issues in Making a Legal Claim

Before making a personal injury claim you need to be cognizant of the following factors:

  • First things first: Once an accident happens be it a slip and fall or an auto accident, collect some evidence or try to remember all the details. If not badly injured write down these details, take photos and contacts of any witnesses.
  • Documentation: If you are taken to hospital ensure you get all reports and keep them safely. These will come in handy once you make your compensatory claim. Other reports to keep safe include witness, proof of loss of income, medical bills, and police reports if any. In essence any written document concerning the accident is invaluable.
  • Time is of essence: When thinking of making a legal compensatory claim remember that time is of essence. There are varying statutes of limitation which refers to the time you have before filing your claim in court.
  • A solicitor as a Godsend: Take a situation where you are convalescing after an accident. A lawyer comes in handy to handle all legal claims. Even in a minor accident you might find the insurance company involved dithering on payment. This is where a lawyer comes in to save the day by aiding in negotiations and filing a suit if things do not work out.
  • Type of damages: There are two main types of damages namely special and non-economic. They cover a wide range issues from medical bills, loss of income, psychological trauma, loss of enjoyment among many others. Your lawyer will be at hand to help assess what you can win in terms of compensation.

Making a legal claim after an accident can be a challenging experience. However, with an experienced personal injury lawyer by your side you will at least get some peace of mind knowing someone has your back.


Five Questions to Ask When Looking for a New Hairdresser

Looking for a new hairdresser is not always an easy task and it can be difficult to find one that will cut and style your hair in exactly the way that you want. It may be a good idea to ask for a consultation before you commit to a particular stylist. Most hairdressers will offer these consultations free of charge and it gives you the opportunity to ask the questions that can help you decide whether this particular stylist is the one for you or not.

choosing a hairdresser

How much experience do they have?

According to Janet Nicol, of MacGregor’s L’Oreal Professional salon in Edinburgh, “While experience does not always mean that a hairdresser will be more talented, generally the longer the person has been working as a hairdresser, the better. It will be more likely that they will know how to cut the specific style that you are looking for and whether this style will actually suit you or not. They will have a wide variety of techniques that they can use to help you achieve the look that you want.”

Have they cut this particular style before?

If the hairdresser has a great deal of experience in cutting a particular style then you should expect that they will be competent enough to make a good job of your haircut. They may be able to show you examples of their previous work which can give you a good idea of what to expect from the style. Even for a stylist that has only recently qualified, if they have had experience of cutting this style during their training then they should still be able to provide you with the cut that you want.

What products will be used?

If the stylist is going to use a number of products while styling your hair, finding out exactly which ones are to be used will enable you to ensure that you have these products at home. Salons are likely to use exclusive brands that may be expensive, but this does not mean that you have to pay these prices as you are likely to be able to find similar products in your local supermarket.

How easy is the style to maintain?

Whether or not you want a style that is easy to maintain will depend on how much effort you are prepared to put into styling your hair on a daily basis. If you find that mornings are a bit of a rush then you may choose a more simple style that does not need much attention, or if you find you have the time to style your hair every day then a more complex style may not cause you too many problems.

The style you choose will also depend on how often you want to visit the stylist. If you have a shorter style then you may have to visit more often to stop the style looking untidy as it grows. This will be down to personal preference. If you are happy to make frequent visits to the salon then this type of style would suit you.

A good stylist will be able to advise you on what type of cut would suit your lifestyle best and this offers you a great opportunity to check out your new hairdressers credentials as a stylist.

Will the style suit me?

A good hairdresser will be honest about whether the style that you want would suit the shape of your face. If they do not feel that the style you have chosen would suit you then they should be able to suggest an alternative that would. They may just need to make a few adjustments to the length of the style or the way it sits around your face. It is important that this question is asked before your hair is cut as you do not want to end up with a haircut that you are not happy with. Again, this gives you the chance to see how a new stylist reacts to a question. If they reply quickly and confidently you will get a feeling that they know exactly what they are doing, which will put you at ease when deciding whether or not they are the hairdresser for you.

Letting Agents – How to Choose the Right One

Choosing a home to rent involves a lot of paperwork and decision making. One way to take the guesswork and stress out of the equation is to choose a qualified letting agent. Their job, is to not only make your move a comfortable one, but to ensure any property you rent is safe and habitable. Here’s how to choose the right one to work with.

property rental

Ease of Contact

Many people begin looking for a room, flat or house to rent by scanning the newspaper, or travelling around on foot looking for ‘To Let’ signs. Other people may randomly contact a letting agency through the telephone book, to see if they serve their geographic area.

Regardless of how you find them, ease of communication is essential for a good relationship between you and the letting agent. Do they answer or return your call promptly? Is their manner courteous and professional? Can you be shown a property before or after working hours? And most importantly can they be reached 24/7 in the event of an emergency?

According to Manjit Virdi, one of the leading letting agents in Walsall, any agent who hedges over your questions, or won’t give out their full contact information, is not one you want to deal with. Visit their office; see how professional they are in their own environment before choosing to work with anyone.

Licensed and Insured

Letting agents don’t own the properties they are showing to you, the prospective tenant. They typically work for a landlord who owns one or multiple properties. Their job is to keep properties filled with paying clients, and ensuring that deposits and rent payments reach the property owner. As your rental home will be one of your biggest expenditures, you need to make sure that you are handing your money over to someone who is trustworthy.

Two professional bodies govern the conduct of letting agents; The Association of Residential Letting Agents (ARLA) and the UK Association of Letting Agents (UKALA). These certificates should be displayed in the letting agents office, and if they are not, ask them what professional body they belong to, and whether they offer client money protection or escrow for any rental deposits. This ensures that your money won’t suddenly disappear in a puff of smoke!

Some letting agents work in an estate agents office, who deal with selling properties. Never assume, however, that just because they work with estate agents, that they are in any way covered under their insurance, check they have their own, from their own governing body.

All about fees

There are strict laws governing what fee’s a letting agent can and cannot charge you. Under law they cannot charge you a fee for showing you a property list, or charge a fee for having you register with them for current or upcoming property rentals. They also cannot charge a fee for taking you to view a property, or multiple properties for that matter.

Allowable fees from letting agents include: performing credit and employment checks; checking previous rental references; preparing and modifying rental agreements; performing inventory checks of partially or fully furnished flats or houses. Agents may also choose a fee in the event that you lose your keys.

At the end of a tenancy, a letting agent may also charge a fee to perform a final inventory check (they want to make sure you are not taking off with that comfy sofa!) and to check for any damage, before returning your deposit to you.

Like any industry, letting agents have some bad apples mixed in with the good. Doing your due diligence before hiring any letting agent; making sure they are easy to contact, they are professionally recognised licensed and insured, and checking upfront about their fee structure, will help ensure a successful relationship with your agent as you move into your new home.