Insurance Claims-
Modern medicine is expensive… according to a recent Guardian article  the United States spends 18% of GDP on healthcare while Canada spends 11% and the UK spends 10%. These expenses make litigation more likely as individuals have difficulty affording care. Some experts find the prevalence of the so-called ‘compensation culture’ distasteful – with some health workers and teachers even claiming that it makes their job more difficult to do. But you are unlikely to find much support for that view from the millions of people who have found themselves injured at some point in their lives. Those who are against injury compensation say that the industry is rife with phony claims, ambulance chasing solicitors and that our modern world is now filled with employees ready to litigate. This intent to sensationalise is based on picking a few cases and publicising them as the rule, as opposed to the exception.
So what is the truth?
The British justice system exists so that citizens of the country are treated and dealt with in a reasonable and fair manner. This means that if somebody is injured due to the negligence of another they are entitled to compensation.
Lawsuits
Incidents that cause injury happen so frequently – think trips, falls, car accidents and industrial accidents – that a whole industry has grown to help the public deal with the legalities of claiming compensation. Personal injury lawyers, who often work on a ‘no win no fee claims’ basis, are there to help where the cost of making a claim would otherwise stop somebody from doing so or substantially reduce their Savings.
Without help, the cost of making a claim against another individual, insurance company or organisation can often run to thousands of pounds. Simply instigating proceedings and taking somebody to court can be very expensive. Then there is the time that the case can take. Recently, a man from Derbyshire was awarded £5,000 compensation when his employers exposed him to chemicals which led to him developing a skin condition. The whole case took three years to be resolved and during that time a lawyer working on a  ‘no win no fee’ basis would be funding the litigation from his own pocket.
The  ‘No Win No Fee’ Process
As noted earlier, personal injury lawyers tend to specialise in ‘no win no fee’ claims which means that the entire cost of proceedings is covered by them should you lose, or paid by the other side if you win. While this means that more people than ever are now making compensation claims, it also means that more people than ever are receiving the justice that otherwise would have been refused them and the risk is borne by the lawyer should he accept a case without merit.
See Also:
Health Insurance Information and Procedures
Check Out Four Ways to Save on Health Insurance
Choosing a Family Health Insurance Plan