Compensation Claims 4 U Compensation Claims

Squeezing Compensation Out Of Lemons

Posted in Compensation Claims

If you are one of those people who always seem to get
caught out when buying a new or used vehicle then it
is a good idea to protect yourself right from the word
go.

Should you find your vehicle repeatedly throwing up
defects, large or small, it is imperative that you
note times, dates and hours wasted so that should you
press for compensation you have a full history of
events to “persuade” the dealer with.

For example, what happens if you break down on a busy
highway? Note the defect, the time, how long you had
to wait for assistance and lastly the cost and nature
of repair. It is also a good idea to note how all of
this made you feel since you could claim for distress.

Of course small defects may not be enough in some
states to warrant the “lemon” label. In other states
just one defect will be adequate. Unfortunately, state
laws differ widely on what constitutes a lemon but you
should not give up the good fight and accept shoddy
goods.

Details of all states and their criteria for classing
cars as lemons are available on the internet and it is
easy to look up any particular state.

Some companies have a “buy back” scheme for cars
classified as lemons so you should pay particular
attention to their requirements.

If all else fails then of course, once you have enough
evidence, you can follow the litigation route to try
for compensation. This can be both expensive and time
consuming.

Road Traffic Accident, Va Va Doom

Posted in Compensation Claims

A people carrier, 0 60 in 5 seconds! Actually to be exact, it takes a handful of people to complete your road traffic accident compensation in 5 steps.

Below is a brief outline of the steps carried out.

1. Claim online or call a free phone number

2. Speak to a consultant from a Law Society approved firm

3. Sign and return the paperwork sent

4. Attend a medical examination if need be

5. Sign the release of your compensation claim money

Here’s a number 6 to your road traffic accident claim so that you can spend your money.

Road Traffic Accident Claim Details

1. Claiming online is very simple if you have an email address. Fill in the blanks and submit your application.

Many firms have resorted to the Internet as its a successful medium to interact with their customers. Or if you dont have an email address you can call a free phone number and provide some basic details. Some firms dont have a free phone number so youll have to beware for who you use.

2. You will need to speak to a consultant regardless. There are reasons for this. One youll know there are real people behind the company and secondly they will know you are serious about making an accident claim. You will be asked questions about the accident, the how, when, who and where. So dont feel interrogated as theses questions are compulsory in order to purse a claim.

3. Some documentations will be sent to you, to sign and return. If there is something that you dont understand then simply ring the number attached to the form. The main outset is 100% compensation. Meaning you dont pay anything if you win or lose. After documents are signed return them in the stamped address envelope and post them.

4. In order to assess your compensation amount, you might need to attend a medical examination. This is basically where a medical consultant will assess your injuries that occurred from the accident. You may also need to travel some distance, however keep your receipt of travel and this can also be reimbursed to you.

5. Soon after you will receive some final documentations, outlining your compensation monies. Sign the documents and it wont be long before you receive a cheque at your doorstep.

6. This is the final step, where you can spend the money where ever you please. No money should be deducted and should all be placed in your hand.

It is very likely that some road traffic accident claims can be settled within 3 4 months. However in order for this to happen you need to assist the personal injury solicitor every step of the way.

So now you can see there really isnt much to it when claiming compensation for a road traffic accident.

Take the 5 steps and va va voom to the finish line.

Road Traffic Accident Compensation

Posted in Compensation Claims

Most road traffic accident compensation involves two drivers, with a driver or passenger from the one vehicle seeking compensation from the driver of the second vehicle. Based on evidence that the accident was caused through negligence. The road traffic accident compensation claim will lead to legal proceedings that will involve the driver and possibly, passengers of both vehicles claiming injury as a result of the negligent driving on one the parties behalf . Typically, legal proceedings due to poor road design, will be against a local council. This can be on the basis that they to have failed to install proper signs maintained proper design or maintain a A road, high street or motorway. A road traffic accident compensation claim may also include a product liability claim lodged toward the manufacturer of a car or car part, claiming design or manufacturing defect which lead to the accident. Also, if a car mechanic or garage left a car in an unsafe condition, liability may fall within their responsibility.

Unique Situations
Unique situations can often arise in a road traffic accident compensation claim which make the legal proceedings more difficult. All parties involved may be liable for potential injuries and this will be considered during the course of any legal proceeding. Various issues that can arise from the accident itself include:

Leaving the scene of an accident: Is not so uncommon in the UK where the driver who causes an accident fails to stop at the place of the accident. This will make it difficult for the injured party involved make a positive ID and therefore bring the driver to court.
Pedestrians and Road Accidents: In such situations, a member of the public can suffer serious injuries as a result of a collision with a vehicle. Often time the conduct of the pedestrian is called into question making it difficult to make a claim against the driver.
Motorbike & Car Accidents: Motorcyclists are very much at risk in regards to personal injury when involved in a road traffic accident, even in collisions which would be relatively minor had they occurred between cars. Due to the nature of some motorcyclists, it may be prove difficult to obtain a far hearing from a jury as they’re commonly deemed ‘wreckless’ road users even if the other party is clearly at fault.
Bicyclists & Car Accidents: Bicyclists are among the most vulnerable road users. They are more likely to sustain serious injury when hit by cars or other vehicles. Various hazards such as doors opening in front of them are obvious causes of collisions as well as many others. Cyclists are often caught in the drivers blind spot and they often report that they did not see the bicyclist until it was too late.
Buses & Car Accidents: Bus accidents can also be quite serious. Due to the sheer size, passengers carried, a collision with a bus will not only see other road users worst off, but unmanaged passengers can also add to the already heated mix of a road accident. Any road traffic accident compensation claim will also be taken up with the operator of the bus not just the driver.
Unsafe road conditions: Where things like road debris and poor, uneven road surfaces abound, accidents can be common place. Whether this is in the form of parts which have fallen off of vehicles, or debris that is kicked up from the roadway, it can all be used as evidence in a road traffic accident compensation claim if the driver believes this was the cause of the accident.

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If you need advice or would just like to speak to someone, please dont hesitate to give Claims Master Group a call on 08000 71 22 71.

The Personal Injury, Accident Claim, No Win No Fee, Road Traffic Accident Compensation specialists.

Road Accident Compensation

Posted in Compensation Claims

Before making a road accident compensation claim, there are special issues which may affect liability.

Council Immunity: This states that a victims injury may limit an injury victim’s ability to sue when the driver of the vehicle that causes an accident is a council employee who is working at the time of the accident, or where the accident involves a council-owned vehicle in view of a road accident compensation claim.
Owner Liability: This states that even if a vehicle is borrowed to a third party, if an accident ensues, the owner may be jointly liable for damages caused by the third parties fault.
Company / Employer Liability: This states that here an employee is driving a vehicle “on the job”, or within the course and scope of employment, the employer can be jointly liable for injuries caused by the employee’s negligent driving conduct.
Mobile Phone Usage: Mobile phone usage whilst driving is banned in the UK. Employers may want to consider the following best practice guidelines. Mobile phones should be switched to voicemail when the user is driving. Emergency calls only should be made / received when on the move
Employees should be encouraged to only make or receive calls – even with a hands-free kit when they are safely parked away from the road. Any accident caused in this way will affect any road accident compensation claim .
Insurance Cover
The insurance problems car accident victims have with insurance coverage typically fall into three categories:

Uninsured Driver – Unfortunately there are a growing number of people who are driving without any car insurance, an MOT and in some cases a driving license. In the UK, there is an organisation called the MIB (no they dont wear black suits) which stands for the Motor Insurers Bureau who deal with paying out claims against uninsured drivers. This was set up to offer victims of uninsured drivers a way to gain a Aroad accident compensation claim that could then be reclaimed from the uninsured.
Underinsured Driver – Underinsured Motorist coverage is the term used when the other vehicle’s policy limit is inadequate to pay for all your damages.
Provided you have a Standard Policy, your own insurance company may pay for damages to your vehicle caused by; any person or organization who did not have liability insurance at the time of the accident. Any person or organization who had adequate liability insurance coverage at the time of the accident, but for some reason, the company writing the insurance denies that their policy provides coverage for the loss. Any person or organization who did not carry enough insurance to pay for your damages in full. If you only have a Basic Policy, you do not have any protection if your vehicle is damaged by either an uninsured or underinsured driver.
Insurance Company Bad Faith – Anxiety and distress are natural emotions caused when an insurance company refuses to pay. In many circumstances there may be a legitimate reason for the insurer not paying, but there have also been a number of cases where the insurance companys refusal has been considered unreasonable, unfair and in ‘bad faith’. In legal terms, the insurance company has acted in breach of contract.

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If you need advice or would just like to speak to someone, please dont hesitate to give Claims Master Group a call on 08000 71 22 71.

The Personal Injury, Accident Claim, No Win No Fee, Road Accident Compensation specialists.

Product Liability and Personal Injury Compensation Claims in the UK

Posted in Compensation Claims

Product Liability and Personal Injury Compensation Claims in the UK

Product Liability and Personal Injury Compensation Claims in the UK

There are strict laws in the UK governing the manufacture and sale of products. If a manufacturer sell a product that is defective and the defects cause injury, loss or damage then that manufacturer is liable to pay compensation.
Fortunately, suing a manufacturer for compensation in a product liability case is easier than you think.

Products Liability is generally considered a strict liability offence. Strict liability wrongs do not depend on the degree of carefulness by the defendant. Translated to products liability terms, a defendant is liable when it is shown that the product is defective. It is irrelevant whether the manufacturer or supplier exercised great care; if there is a defect in the product that causes harm, he or she will be liable for it.

PRODUCT LIABILITY – FAULTY GOODS

These are cases arising out of a situation where products are defective and cause injury as a result of the defect. If you have been injured as a result of purchasing a standard consumer product which is defective, then you may be able to claim compensation from the manufacturer/supplier as well as individuals/companies through whom the goods may have passed.

Defective household products can result in serious injuries, or even death. Defective household products that injure consumers may result in a product liability claim.

One of the most common terms to arise in product liability litigation is defect. In the eyes of the law this term has a broader meaning than one might expect. The law considers any product which is unreasonably dangerous for its intended use to be defective. In considering this definition, it is important to remember that the term unreasonably dangerous is crucial to the meaning of the term defective. Thus, a product may be inherently dangerous but have such utility that the danger is one which would not be considered unreasonable.

Manufacturers are almost always covered by insurance and claims for damages usually fall into four categories:-

Defective Design
means that an item is inherently dangerous because of inadequate design.

Defective Manufacture
generally occurs because of a quality control failure ensuring that the item does not achieve the required specification.

Defective Warnings
do not accurately reflect the dangers associated with the item or adequate warnings may have been minimized by the salesman.

Negligent Surveillance
occurs when a manufacturer does not properly warn consumers about an items subsequently discovered lack of safety.

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If you need advice or would just like to speak to someone, please dont hesitate to give Claims Master Group a call on 08000 71 22 71.

The Personal Injury, Accident Claim, No Win No Fee, Product Liability specialists.

Pet Insurance & Public Liability Are You Safe From

Posted in Compensation Claims

Pet Insurance & Public Liability Are You Safe From A Personal Injury Compensation Claim?

Are you one of the million of Britons famous the world over for being a pet owner and lover? If so, do you have pet insurance? If not, you may well want to read on if you want to save yourself millions of pounds.

Lets look at two, not uncommon, scenarios that may happen to a pet owner in the UK:

Scenario 1:

You own a dog. The dog is out in the garden. The post comes to the house to deliver a letter. In the course of delivering the letter your dog bites the postman.

Scenario 2:

You own a horse. The horse is grazing in the field. The horse is startled, jumps the hedge and crashes into an oncoming car.

Do you know what would happen in both of these scenarios? Well, if you dont already know, as you may recall from the recent famous case involving Princess Anne, in Scenario 1 you could be liable to pay damages under the Dangerous Dogs Act. Less well known, in Scenario 2 you could be liable to pay damages under a recent House of Lords interpretation to the Animal Act 1971. Either way, youre paying.

How can you limit the liability youll suffer if either of these unfortunate events where to occur? Without some form of pet insurance policy you could not. As such, if you have a pet and want to save yourself from the prospect of having to pay out a potentially large amount of money in compensation damages to a third party now is the time that you should be considering getting pet insurance.

Although pet insurance is unlikely to cover you for the full costs you that you may need to pay to both defend your self against a claim and also pay compensation if you lose, as there is likely to be a minimum excess payment and maximum cap payment, for a reasonable annual premium payment you can arrange to have cover that would pay a large portion of this amount.

At the end of the day, however, having pet insurance is like having any other type if insurance. Would you go out n the roads and drive your car without insuring yourself against an accident? Would you leave all your valuables at home without having any home contents insurance? Do you want to take the chance that you could be used for million in personal injury compensation without having paid a minimal amount in pet insurance?

Personal Injury Lawyer – Surefire Way To Success

Posted in Compensation Claims

Regardless of any or all precautions you take, an accident can happen to just about anyone, even to an injury lawyer. People neither choose to have an accident nor decide when and where it should occur.

An accident is both a painful and an expensive experience the injury makes you suffer and the medical treatment costs quite a bit. A personal injury claim is a way to compensate many of your losses and its importance should not be understated. You can’t turn back the time but you can minimise the bad consequences of your injury.

Let’s Ask An Injury Lawyer

How can you handle a compensation claim if you are injured and the bureaucratic procedures are not considerate about your condition? A surefire solution is to ask a personal injury lawyer.

Their job is to make an injury claim in your name, and a case to win your accident compensation. They are professional and experienced and what is most important you don’t pay anything for their services, regardless of your claims final result.

The injury lawyer’s service is based on a ‘No Win No Fee’ method. Which means if you lose your accident claim, the lawyer is responsible for such loss, i.e. you dont pay them a penny. After all, why should you, if their job is to win your claim and don’t?

If your injury compensation claim succeeds, the lawyer recovers all their fees or bills (payments, costs of injury assessment, medical examinations, court fees, etc.) from the losing side or their insurance company and you should get 100% of your injury compensation.

It’s a very fair deal that the injury lawyer takes all the risk, so for you its safe and stress-free solution it reassures you that the lawyer will do their best to win, as at the end of the day they want to get paid as well.

Choose Wisely!

You have a free right to decide if you want to make use of personal injury lawyer and it should be fully respected. Companies harassing and hassling injured people, asking them for their money, are no more than a relict of the shameful history.

If you feel that you need advice or help, you look for it, not otherwise. If you need an accident lawyers service, you call for it. If you have any questions and you are not sure about anything, look for a free assessment, without strings attached.

Why A Personal Injury Lawyer’s Service Is So Important?

Of course, you could try to handle your injury claim all by yourself, but let’s think about it for a moment. How solid is your knowledge of the laws concerning accidents and accident claims?

Do you know how to make all the necessary preparations?

Do you know how to avoid all the legal tricks, so you don’t fail because of some small detail?

And finally, can you do all of it and not forget anything as for being in an injured state, poor health and the case becomes personal and emotional?

If your answer for any of the questions above is ‘no’, then here’s another one: is there any reason to reject the services of experienced, professional personal injury lawyer if it improves your situation and costs you nothing?

An injury lawyer is there for you! They have all the necessary knowledge and skill to handle your compensation claim. The accident injury is a problem itself and it can be just a tip of the iceberg, but it doesn’t mean that you have to sink into trouble a compensation claim can help you financially and an injury lawyer will do that for you.

Personal Injury – Accident Types

Posted in Compensation Claims

Personal Injury – Accident Types

RTA – Road Traffic Accidents

Accidents at Work

Accidents in a Public Place

Slips, Trips or Falls

Product Liability – Faulty Goods

General Accident

Road Traffic Accidents
…account for a large proportion of all accidents and personal injury compensation claims in the UK and drivers of vehicles are required to have some level of insurance cover. These being: Fully Comprehensive, Third Party Fire and Theft or Third Party only. These policies provide protection for anyone (including members of the same family) who may be involved in an accident, who suffer personal injury as a result of the driver’s negligence and may need to place a personal injury compensation claim whether or not the driver’s negligence has led to a police prosecution. If it is discovered that a negligent driver had inadequate or no insurance at the time of the accident, you may still be able to bring a personal injury compensation claim for through the MIB (Motor Insurers Bureau).

Road Traffic Accidents – DRIVER
A driver can make a personal injury compensation claims for loss and injuries if someone else was to blame for the accident. This is most often another driver although under some circumstances the accident may have been caused by the negligent actions of another party. For example if the roads were not gritted such that they remained icy and in a hazardous condition, a personal injury compensation claims may be filed against the party responsible for maintaining the roads. If the accident involved a pedestrian or cyclist who were later shown to be at fault, a personal injury compensation claim could still made even though the offending party may not posses adequate or any insurance cover. However, in these circumstances we may advise that it is not worth bringing such personal injury compensation claim.

Road Traffic Accidents – PASSENGER
A passenger involved in an accident in almost all circumstances can bring a successful personal injury compensation claims for damages where they have suffered injuries. Passengers are generally regarded as blameless casualties who have suffered as a result of someone else’s negligence. However, failure to comply with the law relating to the wearing of seat belts may affect the level of damages obtained in any award.

Road Traffic Accidents – CYCLIST
If a cyclist is involved in an accident where a third party is at fault, a personal injury compensation claims may be brought against the offending third party. In addition to obtaining compensation for your injuries, you may also be able to recover losses in respect of damage to your bicycle and clothing as well as loss of earnings by starting a personal injury compensation claim.

Road Traffic Accidents – PEDESTRIANS
A pedestrian may be able to recover compensation through a personal injury compensation claim for their injuries if they can show that their injuries were caused entirely or to some degree by a third party. If as a pedestrian involved in an accident you are held partly to blame, you may still be entitled so some level of compensation. The Claims Master Group will be happy to advise you on any personal injury compensation claim.

Road Traffic Accidents – INVOLVING ANIMALS
Regrettably, animals that stray onto the road can cause accidents. Owners of livestock such as cattle or horses are duty bound to the safety of road users by maintaining adequate levels of security in respect of their livestock. If it can be shown that the owner of an animal involved in an accident neglected their duty to maintain a safe environment for road users, a personal injury compensation claims for damages may be brought against them.

ACCIDENT IN THE WORKPLACE
If you are involved in an accident at work, it will be necessary for you to show that your injuries were caused by the negligence of your employer before pursuing a personal injury compensation claim. Your employer is also responsible for the actions of work colleagues who cause accidents involving injury. Please remember that you have an obligation to make your employer aware of any accidents, which occur whilst at work. This information should be properly recorded in the Accident Book. Please note, your employer cannot terminate your employment if you make a personal injury compensation claims. If you are in any doubt or concerned over this, we recommend that you consult us immediately.

DISEASES AT WORK
The working environment can affect people such that they suffer diseases as a result. Although these diseases may not be evident immediately symptoms may develop much later. Although in general terms a personal injury compensation claims has to be issued within three years from the date of the cause of injury or illness, this time limit may be lengthened if you were not aware of the cause of your symptoms until some time later.If you suspect that your symptoms are related to work place injury, please consult us as soon as possible.

MACHINERY AT WORK
There are many factors that contribute to accidents involving machinery in the work place which can lead to a legitimate personal injury compensation claim. For example poorly maintained equipment, or badly trained staff can. However your accident occurred, please consult us and will be happy to advise you.

LIFTING AT WORK
If you suffer any injury as a result of lifting whilst at work, it may be that this was caused by your employer’s failure to provide adequate training or proper manual handling equipment. Your employer has an obligation to ensure that the work place is safe and free from hazards. Unfortunately many times this is in dispute, however if you decide to file a personal injury compensation claim then you should seek expert advice.
SLIPS & FALLS AT WORK
If you were not responsible for injuries suffered as a result of a slip or fall at work, it may be that your accident was caused by your employer’s failure to comply with current safety standards in respect of hazards in the work place. If this is the case you can make a personal injury compensation claims Your employer has an obligation to ensure that the work place is safe and free from hazards.

PUBLIC PLACE
Land and / or property owners have an obligation to ensure the safety of all visitors. In most cases insurance cover will be in place to ensure that an injured party will be able to make a personal injury compensation claim in the event of injury occurring.

SLIPS, TRIPS & FALLS
If your accident was caused by a defect on a path or pavement, for example an obstacle or pothole you may be able to bring a personal injury compensation claim against those responsible for maintaining the path or pavement.
Although slips and falls can often be the cause of some of the most painful injuries, if you were to some degree responsible for causing your injuries, it is unlikely that you will be able to make a personal injury compensation claim.

SHOPS, STORES & RESTAURANTS
Store owners and managers have an obligation to ensure that their premises are free from slipping hazards. If a floor is wet whether from a recent spillage or cleaning routine, signs must be erected to alert customers and visitors to the hazard. If you have suffered an accident due in your local supermarket or shopping centre then you may be entitle to make a personal injury compensation claim

PRODUCT LIABILITY – FAULTY GOODS
These are cases arising out of a situation where products are defective and cause injury as a result of the defect. If you have been injured as a result of purchasing a standard consumer product which is defective, then you may be able to make a personal injury compensation claim from the manufacturer/supplier as well as individuals/companies through whom the goods may have passed.

OTHER ACCIDENTS
This category will include cases not listed above. For example sports injury cases, where an injury occurs ‘on the field of play’ due to the reckless actions of an opponent, or the failure of an official to apply the rules of the game in the way in which they should be applied. We will advise on any concerns or queries you have in regards to putting forward a personal injury compensation claim

If you need advice or would just like to speak to someone, please dont hesitate to give Claims Master Group a call on 08000 71 22 71.

The Personal Injury, Accident Claim, No Win No Fee, Road Traffic Accident specialists.

Motor Insurers Bureau Compensation Claims

Posted in Compensation Claims

It’s a fairly common practice, claiming compensation from the another drivers insurance company in the event of a road traffic incident. However, if the driver whom you had the accident with had left the scene and subsequently cannot be trace – then what? Also, what can you do if the other driver doesn’t have insurance?
Well thankfully, you may still be able to make a claim compensation from the UK Motor Insurers Bureau.

Claims going through theUK Motor Insurers Bureau is similar to making a normal claim. Your case will be reviewed by the ruling judge and a decision is then made in regards to liability and how much compensation you should be awarded which will be paid by the UK Motor Insurers Bureau.

MIB was established in 1946 as a private company limited by guarantee for the purpose of entering into Agreements with the Government to compensate the victims of negligent uninsured and untraced motorists. Every insurer underwriting compulsory motor insurance is obliged, by virtue of the Road Traffic Act 1988, to be a member of MIB and to contribute to its funding

The MIB can give compensation to someone who is involved in a motor accident caused by an uninsured driver or untraced driver. If the driver was uninsured, the MIB can pay compensation for personal injury or death and/or damage to property. If the driver has not been traced, the MIB will consider claims for damage to personal property providing the vehicle can be identified.

Normally, the UK Motor Insurers Bureau will make a payment for both your vehicle and any personal injury suffered by yourself. This may also cover loss of earnings and medical expenses, pain, distress and suffering – all covered by the UK Motor Insurers Bureau

At Claims Master Group claiming from the UK Motor Insurers Bureau is handled by our team of legal professionals. We work on a no win no fee basis, so the solicitor who will be working with the UK Motor Insurers Bureau to award your compensation is free of charge to your mind. If you need advice or would just like to speak to someone, please dont hesitate to give Claims Master Group a call on 08000 71 22 71.

The Personal Injury, Accident Claim, No Win No Fee, Motor Insurers Bureau specialists.

Get Covered By Workers Compensation Insurance

Posted in Compensation Claims

Workers compensation insurance, commonly called workers or workmens comp, is a form of insurance designed to provide compensation to workers who have been injured while on the job.

While the details can vary significantly from one plan to the next, insurance plans in this category typically provide for some form of wage replacement, payment and/or reimbursement of medical costs, compensation for economic losses, possibly damages for pain and suffering, and settlements to the insureds dependents in the case of a fatal work-related accident.

Given this broad range of covered areas essentially combining the key features of disability insurance, health insurance, and life insurance, among others workers comp is certainly one of the more critical forms of insurance an individual can obtain. By knowing all you can about workers comp you can ensure that if an accident happens on the job you are covered. If you are not you could find yourself and your family in trouble down the road. We all need money to pay the rent and buy food and getting compensation for an injury at work can help you to pay for these necessities.

Workers comp insurance is typically associated historically with labor or professional unions, and is often the result of coordinated campaigns to obtain the coverage for the union members. Proponents of workers comp cite improved working conditions, economic support for employees, and the safety net provided by the insurance, as key benefits of workers comp. Critics of this type of insurance cite increased costs to employers and potential infringement on workers rights to seek recompense on their own. Another concern that is frequently raised is the possibility of American companies moving parts of their operations or even their entire companies to areas with looser workers comp law. In the United States, however, workers comp laws are nearly universal, and almost all employers must carry the insurance in some form for their employees.

The body of laws governing workers comp insurance has become extremely complex and varies from state to state. For example, in many states it is illegal to terminate an employee for filing a claim or for reporting an injury incurred at the workplace. This isnt illegal in all states, however. And while most states dont allow employers to deny employment based on previous workers comp claims, employers are able to check a commercially maintained database of claims, a system that could potentially be abused by unethical employers.

Because abuse of the system has occurred on the part of employees as well, stiff fines and other legal penalties are in place for persons who file false claims for workers compensation benefits. While stories of supposedly injured employees engaging in physically demanding activities are commonplace, little hard data exists to indicate what percentage, if any, of the claims filed every year are actually fraudulent.

Vigorous investigation by employers, including tactics such as secretly video taping claimants engaged in physical activity, have also undoubtedly helped reduce the number of false claims. Certainly the vast majority of claims filed are the result of legitimate, unavoidable work-place injuries.

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