Damages and scheme benefits
A damages claim and benefits available under an insurance or statutory scheme are not the same thing. Eligibility, categories and assessment rules differ. Ask which pathway is being considered.
Document the impact
Relevant information may include treatment expenses, income changes, assistance needed at home and effects on day-to-day life. Keep accurate records rather than estimating from someone else’s experience.
Past and future needs
Future costs or support needs may require professional evidence. Assumptions about permanent impairment, future earnings or care are not a substitute for assessment.
Avoid generic payout estimates
Online averages cannot predict an individual result. Limits, deductions, liability issues and the applicable law can affect what is recoverable. Ask for an explanation tied to your facts.
Financial loss and other harm
Economic loss can refer to financial effects such as treatment expenses and lost income. Non-economic loss can concern other harm, such as pain and suffering, where the law allows recovery. Thresholds, limits and exclusions vary; these categories do not mean every loss is recoverable.
