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Optimal Claim reviews the BlackVUE...
The BlackVUE DR650GW-2CH vehicle camera is the second device of its type which we have tested so far. Followers of our blog will know that we believe vehicle cameras can improve road safety not only for users, but also others. What is more, vehicle cameras can help us (or the others after sharing our recording) in resolving  blame for an accident, something which in case of any...

Motorcycle collisions
Motorcycle collisions Like all other road users, motorcycle riders owe the same duty of care as other users of the highway. However, save from cyclists, motorcyclists are unique in not being cocooned within a vehicle and are therefore uniquely vulnerable on the open road. Our experience is that motorcyclists tend to be very cautious drivers. Pity about those around them. There are however...

Child seats - the Law
Child seats – the Law Generally speaking the law is clear – all persons, including children travelling in a motor vehicle should be properly restrained. The penalty for failing to do so is that the driver faces a fine of up to £500.00. Children must normally use a child car seat until they are 12 years old or 135cm tall (whichever comes first). After reaching this stage an...

Injury Claims involving Children
Accidents happen and if accidents happen then sometimes children will be involved. A person is classified as a child in the UK if they are below the age of 18. Once they attain that milestone then they are assumed to have full legal capacity. Before the age of 18 a child has no legal capacity. In terms of accident claims this means that the child (or minor as they are sometimes called)...

Accidents with Untraced and Uninsured...
It’s a sad fact that not everyone is honest. There are according to the Motor Insurers Bureau (MIB) an estimated 1 million motorists in the UK driving around without insurance cover for their car. Moreover, when you have an accident on occasion the other party doesn’t stop or after stopping will provide false details. Having the misfortune of an accident with an untraced or uninsured...

It wasn’t my fault
How do you establish who is to blame following a road traffic accident? The immediate aftermath of an accident, particularly when you have been injured causes an extreme of stress and emotional upset. In such moments of tension you might not be thinking clearly and as a consequence do not gather evidence that will assist your claim later on should the other driver deny blame. Where there...

Low velocity (LVI), Delta-v and...
As the 10th anniversary of the landmark decision in the case of Armstrong –v- First York (2005 EWCA Civ 277) approaches, what now for causation, Delta-V & LVI? Armstrong –v- First York was a ground breaking case about low velocity impact and causation.  Joe Armstrong and his partner Nicola Connor were driver and passenger respectively in a Ford Fiesta motor car. They...

Getting stopped by the police
In the UK, the police can stop any vehicle for any reason.  It is an offence to fail to stop. You must therefore stop if asked to do so. After you have been pulled over by the police, they can ask to see your drivers licence, insurance certificate and MOT certificate. Computer data bases can immediately identify uninsured vehicles and vehicles without a valid MOT certificate. If you...

Drink driving and compensation claims
Drink driving is illegal in the UK. If you have an accident when drink driving, then the fact you were over the prescribed drink drive limit does not invalidate any claim you may have against the “at fault” driver and a claim can still be made. However, if you were the passenger in a vehicle that was driven by a drunk driver who was at fault, then the position is not as clear cut....

Mission Christmas
Here at Optimal Claim we are supporting 97.4 Rock FM’s Mission Christmas appeal to bring a happy Christmas to disadvantaged children. The appeal is seeking new and unwrapped gifts for children up to age 18. We are a registered collection point. If you wish to make a gift donation, please bring it along to our offices at:- Optimal Claim 340 Blackpool Road Preston PR2 3AA...

A Half Century of Criminal Injuries...
2014 hails as the 50th anniversary of the introduction of a scheme to provide compensation for the innocent victims of violent crime. This will be either the victim themselves, or their family where the crime resulted in a fatal injury. Up until 1996 the scheme was administered in such a way as to compensate victims on the same basis as any other claim for injury compensation. Since then the...

Review of the WinyCam V300 AHD in car...
  Here at Optimal Claim, in a first for the company, we were asked to road test the WinyCam V300 AHD in car recorder. In car recorders can be useful in establishing the facts surrounding the circumstances of a road traffic accident. This is particularly important for obtaining accident compensation in UK since blame is not always admitted following an accident and proving the other...

Payment Protection Insurance (PPI). ...
 More often than not, the first question a prospective client asks us is “what is Payment Protection Insurance (commonly called PPI) ?” Quickly thereafter a second question – “Do I have this?” In a sentence, PPI is an insurance policy that is intended to cover loan or financial repayments if you are unable to do so.  The policy might not be called PPI,...

The Equality Act 2010, Equal Pay and...
 It has been widely reported in recent weeks that a certain supermarket chain has been inundated with claims, numbering many thousands for equal pay based upon a comparison of work done by shop floor workers (who are mainly women) with warehouse workers (who are mainly men).    In the UK it has long been the law that an employer cannot discriminate between male and female staff...

New hope for victims of paralysis
A new medical technique pioneered through a joint venture between scientists in the UK and Polish surgeons that allowed a paralysed man to walk again has been hailed as “more impressive than man walking on the moon.” 40 year old Darek Fidyka was paralysed from the chest down following an assault in 2010. The injuries which saw his spinal cord severed were until now believed to be...

Worth claiming ?
According to the 2014 report from the Association of British Insurers (ABI), of the 26.4m households in Britain 19.6m have motor insurance cover. The average spend per household on compulsory motor insurance in 2013, the last year for which data is available was £680.00. Insurers are paying out at a rate of £17.1m per day on claims made against these policies with the average injury...

One in five accidents occur when...
  Figures released by Road Safety UK show that one in five accidents occur when people are driving for work. As a result of these findings, businesses are being encouraged to take action after it was revealed that people are more likely to be involved in a road accident as the result of a business driver, as opposed to a drink driver. The statistics covered a period from 2008-2012 and...


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