Personal Injury Claims Care

Who We Are

Personal Injury Claims Care is a national claims management service operated by DM Claims Limited, authorised and regulated by the Financial Conduct Authority (FCA). We help injured people across England, Scotland, and Wales access expert legal representation quickly, simply, and affordably.

We are not a law firm. We act as a specialist introducer, connecting claimants who have been injured through no fault of their own with a panel of highly experienced personal injury solicitors regulated by the Solicitors Regulation Authority (SRA). Our panel includes solicitors who specialise in complex areas of personal injury law, from catastrophic injury and medical negligence to road traffic accidents and workplace claims.

Since our founding, we have handled over 4,000 personal injury claim enquiries. Every person who contacts us receives free guidance, honest advice about the merits of their case, and if they choose to proceed, a seamless introduction to the right specialist for their specific circumstances.

What is a Personal Injury Claim?

A personal injury claim is a legal process through which a person who has been injured physically or psychologically due to another party's negligence seeks financial compensation from the party responsible. The injured person is known as the claimant. The party whose negligence caused the injury is known as the defendant.

For a personal injury claim to succeed in the UK, three legal elements must be established:

1. First, the defendant must have owed the claimant a duty of care.
2. Second, the defendant must have breached that duty through negligent behaviour or a failure to act.
3. Third, that breach must have directly caused the claimant's injury or loss, a principle known as causation.

If all three elements are present, the claimant is entitled to seek compensation.

Personal injury law in England and Wales is primarily governed by common law principles of tort, supplemented by legislation including the Occupiers Liability Act 1957, the Health and Safety at Work etc. Act 1974, and the Road Traffic Act 1988.

Compensation is assessed by reference to the Judicial College Guidelines, which set out compensation brackets for different types and severities of injury, and by the specific financial losses the claimant has suffered as a direct result of their injuries.

Personal injury claims can arise from an enormous range of circumstances, from a road traffic accident or a slip on a wet supermarket floor to a surgical error or an industrial disease caused by decades of exposure to harmful substances in the workplace. Whatever the cause of your injury, if another party's negligence was responsible, you have the right to seek compensation.

Types of Personal Injury Claims We Handle

Our panel of SRA-regulated personal injury solicitors handles a full range of accident and injury claims. Each claim type below links to a dedicated guide where you can learn more about your specific circumstances.

Accident at Work Claims

Every employer in the UK has a legal duty under the Health and Safety at Work etc. Act 1974 to provide a safe working environment. If your employer breached that duty and you were injured as a result, you could be entitled to bring an accident at work claim.

Common workplace injuries include:

• Manual handling injuries
• Falls from height
• Machinery accidents
• Repetitive strain injuries
• Industrial diseases
• Factory accidents.

Making a claim will not cost you your job. Employers are legally required to hold employers' liability insurance, meaning your compensation is paid by the insurer, not your employer directly.

Road Traffic Accident Claims

If you were injured as a driver, passenger, motorcyclist, cyclist, or pedestrian due to another driver's negligence, you may be entitled to compensation.

Road traffic accident claims cover a wide range of injuries, including whiplash, back and neck injuries, soft tissue damage, head injuries, and psychological trauma such as post-traumatic stress disorder. Our panel solicitors deal directly with the defendant's insurer on your behalf.

Slip, Trip and Fall Claims

Property owners, businesses, and local councils have a duty under the Occupiers' Liability Act 1957 to keep their premises and public spaces reasonably safe.

If you slipped, tripped, or fell due to a wet floor, uneven paving, a pothole, or poorly maintained premises and suffered an injury, you may have a valid personal injury claim. This includes claims against local councils for negligently maintained footpaths, roads, and public parks.

Accident in a Public Place Claims

Injuries sustained in shops, restaurants, leisure centres, car parks, and other public spaces due to the negligence of the occupier or owner can give rise to public liability claims. Our panel solicitors are experienced in gathering CCTV evidence, obtaining incident reports, and building strong public liability cases against both private businesses and public authorities.

Fatal Accident Claims

Under the Fatal Accidents Act 1976 and the Law Reform (Miscellaneous Provisions) Act 1934, the family members and financial dependants of a person who has died as a result of another party's negligence may bring a fatal accident claim.

Compensation can include bereavement damages, loss of financial dependency, funeral costs, and the value of the deceased's services to the family. Our panel solicitors approach these profoundly difficult cases with the care and sensitivity they require.

How Are Personal Injury Claims Calculated?

The value of a personal injury claim is calculated by your solicitor with reference to two distinct heads of damages: general damages and special damages. Understanding both helps you appreciate the full scope of what you may be entitled to claim.

General Damages

General damages compensate you for the pain, suffering, and loss of amenity (PSLA) caused by your injuries.

This head of claim covers both physical injuries, such as fractures, soft tissue damage, whiplash, scarring, and head injuries and psychological injuries, including anxiety, depression, and post-traumatic stress disorder arising from the accident.

The value of general damages is assessed by reference to the Judicial College Guidelines, a publication used by solicitors, barristers, and courts to determine appropriate compensation brackets for specific injury types and severities.

An independent medical expert will examine you and produce a medico-legal report that forms the primary basis for valuing this part of your claim.

Special Damages

Special damages compensate you for the specific, quantifiable financial losses you have incurred as a direct result of your injuries.

Unlike general damages, special damages must be evidenced with documentation such as receipts, invoices, payslips, and medical records. Common heads of special damages in personal injury claims include:

• Loss of earnings for time off work due to your injuries
• Future loss of earning capacity if your injuries affect your ability to work long-term
• The cost of past and future medical treatment
• Rehabilitation and physiotherapy costs
• Prescription and medication costs
• Travel expenses to medical appointments
• The cost of care provided at home, and
• The cost of adaptations to your home or vehicle made necessary by your injuries.

Your solicitor will work to ensure that every head of both general and special damages is fully identified, evidenced, and claimed, so that you receive the maximum compensation your case supports.

How Does No Win No Fee Work?

All of the personal injury solicitors on our panel operate on a conditional fee agreement (CFA), the formal legal term for a No Win No Fee arrangement. This means you will never be asked to pay any upfront legal fees, and if your claim is unsuccessful, you will not owe your solicitor anything for their time or work.

If your claim succeeds, your solicitor's fee takes the form of a success fee, which is deducted from your compensation award. The success fee is capped at 25% of the damages recovered for pain, suffering, and loss of earnings, ensuring you always retain the majority of your award.

No Win No Fee personal injury claims ensure that access to justice is not dependent on financial means. You should never allow concerns about legal costs to prevent you from pursuing compensation you are legally entitled to.

How The Personal Injury Claims Process Works

The personal injury claims process can seem daunting, but our team is here to make every step as clear and straightforward as possible. Here is what you can expect from start to finish.

1. Free case assessment: Contact us by phone on 0330 0433679, through our online claim form, or by requesting a callback. Our specialist advisors will listen to the details of your accident, assess whether you have a valid personal injury claim, and give you honest, obligation-free advice on your legal options.
2. Instructing your solicitor: If your claim has merit, we will introduce you to the most appropriate specialist solicitor from our panel. Your solicitor will take a full statement, explain the claims process, and set out the terms of your conditional fee agreement clearly before any work begins.
3. Gathering evidence: Your solicitor will collect all evidence needed to build and value your claim. This includes accident reports, witness statements, CCTV footage, medical records, employment records, and a report from an independent medical expert who will assess the nature and extent of your injuries.
4. Notifying the defendant:  Your solicitor will formally notify the at-fault party or their insurer of your claim, following the appropriate pre-action protocol, for example, the Pre-Action Protocol for Personal Injury Claims or the Pre-Action Protocol for Low Value Personal Injury Claims in Road Traffic Accidents.
5. Negotiation and settlement: The large majority of personal injury claims are settled out of court. Your solicitor will negotiate with the defendant's insurer to secure the maximum possible compensation award. No settlement offer will be accepted without your informed consent.
6. Receiving your compensation:  Once your claim is settled or judgment is entered in your favour, your compensation is paid. Your solicitor will provide a clear financial statement showing your gross award, the success fee deduction, any disbursements, and the net amount paid to you.

What is the Time Limit for Making a Personal Injury Claim?

The time limit for personal injury claims in England and Wales is set by the Limitation Act 1980. In most cases, you must issue court proceedings within three years of the date of the accident that caused your injury. If you fail to issue proceedings within this period, your claim will become statute-barred, and you will lose your right to compensation permanently.

There are important exceptions to the standard three-year rule that every claimant should be aware of. Where the injured person was under the age of 18 at the time of the accident, the three-year limitation period does not begin until their 18th birthday. This means a young person injured as a child has until their 21st birthday to issue proceedings. In the interim, a parent or legal guardian may act as a litigation friend to bring the claim on the child's behalf at any time.

Where a person lacks the mental capacity to manage their own legal affairs either as a result of the accident itself or a pre-existing condition, the limitation period is suspended indefinitely until they recover capacity. A litigation friend may act on their behalf at any time during this period. Any compensation awarded to a person who lacks capacity is held securely in a Court of Protection fund.

For claims involving industrial diseases or conditions where the connection between the illness and a negligent cause was not immediately apparent — such as asbestos-related diseases or hearing loss from industrial noise exposure — the three-year period runs from the claimant's date of knowledge: the date on which they first became aware, or ought reasonably to have become aware, that their condition was caused by another party's negligence.

We strongly recommend seeking legal advice as soon as possible after an accident, regardless of how much time remains. Evidence deteriorates, witnesses become harder to trace, and CCTV footage is routinely overwritten within days or weeks of an incident. Acting promptly always strengthens a claim.

Why Choose Personal Injury Claims Care?

FCA-authorised and regulated

Personal Injury Claims Care is a trading name of DM Claims Limited, authorised and regulated by the Financial Conduct Authority (FCA). Our service operates under strict FCA conduct rules designed to protect consumers, giving you confidence that you are working with a legitimate, accountable organisation.

Access to a specialist panel of solicitors

Our panel is made up of highly experienced personal injury solicitors regulated by the Solicitors Regulation Authority (SRA), some of whom specialise in the most complex areas of personal injury law, including catastrophic injury, medical negligence, industrial disease, and fatal accidents. We match each claimant with the solicitor best suited to their specific type of claim.

Over 4,000 claim enquiries handled

Since our founding, we have helped scores of people across the country take the first steps towards securing the compensation they deserve. Our track record reflects our commitment to matching claimants with the right legal expertise and ensuring every case is treated with the care and attention it deserves.

Nationwide coverage

We provide personal injury claims support across the whole of England, Scotland, and Wales. Regardless of where your accident occurred or where you are based, our panel of solicitors can represent you.

Kept informed at every stage

Clear, consistent communication is central to our service. Your solicitor will update you at every significant stage of your claim, explain your options in plain English, and ensure that no decision is made without your knowledge and consent.

Available 24 hours a day

Our helpline is open around the clock, every day of the year. Call us free on 0330 0433679 at any time, including immediately following an accident.

Start Your Personal Injury Claim Today

If you or a loved one has been injured through no fault of your own, you could be entitled to compensation for your pain, suffering, and financial losses. Personal Injury Claims Care is here to help you secure the justice you deserve on a No Win No Fee basis, with no upfront costs and no financial risk to you.

To get started, call our free 24-hour helpline on 0330 0433679, complete our online claim form, or request a callback at a time that suits you. Our specialist advisors will assess your case for free, with no obligation to proceed. We will guide you through every step of the personal injury claims process in plain English, from your first contact with us to the moment your compensation is paid.