Worried about making a claim against a loved one? Here’s what you need to know

If you’ve been injured because of a friend or family member’s negligence, the idea of making a claim against them can feel deeply uncomfortable. I completely understand – this is a common concern many people share when we first meet, but let me reassure you.

In my 15 years as a specialist brain injury solicitor I’ve helped countless people in these situations, but please know bringing a claim in these circumstances is not as personal or as difficult as it might seem.

Let’s explore this in more detail.

Are you really claiming against a loved one?

Two scenarios often come up when people make a claim linked to someone they know:

• Car accidents involving a friend or family member who was at fault;
• Workplace accidents where the company is owned by someone you know.

In both cases, clients often say “I don’t want to ruin their lives”, or “They can’t afford to pay compensation, so what’s the point?”.

Here’s the important thing to know: it’s not your loved one who will pay the compensation or legal costs, or handle the legal process – it’s their insurer.

How does it work?

When someone drives a car or runs a business, they are legally required to have insurance. If you bring a claim, it is the insurance company that will step in to handle the case, pay the compensation and cover legal costs. Your loved one won’t have to pay anything out of their own pocket or be involved in the legal work. The process is managed by professionals – solicitors and insurers – so the burden doesn’t fall on them.

Why is it important to make a claim?

Compensation isn’t about blame; it’s about helping you to rebuild your life.

If your injury has had a serious impact – affecting your ability to work, your physical or mental health, or your day-to-day activities – compensation could cover things like:

• Medical treatment and rehabilitation;
• Specialist equipment or home adaptations, or even a new home;
• Lost income if you’re unable to work;
• Help at home, or with personal care, now and in the future.

There are strict time limits for making a claim, so don’t let concerns about awkwardness or guilt hold you back. It’s crucial to seek expert legal advice as soon as possible from a specialist personal injury lawyer. Your loved one will understand this is about your recovery and future wellbeing.

A final word

Suffering a serious injury can be life-changing, but you don’t have to face the challenges alone. Understanding how claims work can help ease your concerns and allow you to make the best decision to piece your life back together.

If you’re unsure about your situation, speak to one of our specialist solicitors. We’re here to guide you through the process with sensitivity, professionalism, and the reassurance you need. Remember, this is about ensuring you have the support and resources to move forward after a difficult time.