THE LARGEST EXPOSURE IN MOST CLAIMS

Injury drives cost long after the vehicle is repaired.

A damaged vehicle is settled in weeks. An injury claim can stay open for years and carry many times the cost. Managing that exposure means engaging early, supporting genuine recovery, and holding a realistic view of the claim throughout its life.

Engage

Contact is made early to understand the injury and what the person needs.

Support

Appropriate rehabilitation is arranged where it will aid recovery.

Resolve

The claim is managed towards fair and timely settlement.

PEOPLE FIRST, COST FOLLOWS

Genuine injuries deserve a proper response.

Early contact is not about minimising a claim. People who receive prompt support tend to recover sooner and settle sooner, which serves the injured person and the paying party alike. Where a claim is not what it appears to be, early engagement tends to make that clearer too.

Notification

Injury is identified at first notice or when the claim is presented.

Contact

The injured party is approached promptly and appropriately.

Assessment

Injury, treatment needs and prognosis are understood.

Settlement

Damages assessed on the whiplash tariff or Judicial College Guidelines.

HANDLED WITHIN THE RULES

Compliance is not optional here.

Protocols

Claims handled via direct Portal and OIC integration with tracked statutory deadlines.

Vulnerability

Additional care taken wherever a claimant may be vulnerable.

Reserving

Realistic reserves set early and reviewed as the picture develops.

Records

Full documentation maintained throughout the life of the claim.

Control comes from engaging early, not from pushing back late.

Injury claims are tracked alongside the associated damage claim, so the full incident picture sits in one place rather than across separate systems. Seeing both halves of the same incident together is what keeps reserves realistic and stops the injury element being managed in isolation.

Faster recovery

Support arranged when it makes the most difference.

Earlier settlement

Claims resolved before costs compound.

Accurate reserving

Fewer surprises at the point of settlement.

Reduced litigation

Fewer matters escalating into proceedings.

Injury claims handled with care and control.