A Guide to Cut Finger at Work Claims

Introduction to Cut Finger at Work Claims

While initiating cut finger at work claims may seem like a trivial use of both time and resources, this only emphasises how wide-ranging work injury compensation claims can be. In this article, the example of a cut finger will be used in order to analyse how a claim for an injury in the workplace is put together, and the challenges which can arise as a result.

Workplace injuries can vary considerably, and if you believe you have grounds for compensation due to an injury in the workplace, you are advised to contact a personal injury solicitor at the earliest opportunity for an individual assessment of your claim.

Making a Report of your Work Injury

Before initiating cut finger at work claims, your immediate priority should be your health – not reporting your injury. Even if you believe your cut finger injury is not serious, medical attention should always be sought as soon as possible. If you are seeking compensation for your work injury, negligence and an injury must have occurred. Evidence of your injury will come from medical records after you seek medical attention from a doctor, and these records will act as confirmation that an injury has occurred in order to support a claim for an injury at work

After you have received medical attention, a report should be made in your employer’s “Accident Report Book”. This will be your written description of the manner in which your finger was injured and as a permanent report it can effectively be used as evidence to support your work injury compensation claim. It is not necessary to bestow blame upon any party in your description, though you are advised to hold on to a copy of what you have reported.

If you are missing from work for more than seven days as a result of your injury, it is necessary for your employer to report this fact to the HSE. Even if a successful compensation claim is not assured following a health and safety examination from the HSE, their report could potentially assist your claim.

How to Qualify for Work Injury Compensation

Cut finger at work claims – as with any other personal injury claims – must have a negligent party who is responsible for your injury, who in this case will be your employer. While many employers may be genuinely distressed when an employee is injured at work due to their carelessness, it is their responsibility to maintain a safe workplace environment. Should they fail in this responsibility of care which results in your injury, you are eligible to claim work injury compensation.

Your employer may have been negligent in various ways, whether due to insufficient understanding or insufficient resources in order to comply with health and safety regulations. However there can be no short cuts when dealing with risk assessment, training, the availability of adequate and safe equipment to work with and constant supervision.

If a compromise in health and safety regulations resulted in your cut finger injury – even if a representative of your employer or a fellow employee was directly at fault for your injury – your employer will be held liable for your claim for an injury at work.

Making Cut Finger at Work Claims Against your Employer

When initiating cut finger at work claims against your employer, you may be wary of the manner in which a claim could potentially have an effect upon your working future. The law is adamant that no action should be taken against an employee who had a legitimate claim for compensation and, as previously mentioned, an employer may be genuinely distressed if their negligence was responsible for an injury.

Additionally, work injury compensation settlements will be paid by your employer’s insurers – very often before court action is initiated. Because of this, the possibility of having to provide evidence against your employer in court is slim. Some potential claimants may still be wary of the manner in which a claim for an injury at work could have an effect upon their working environment. If you are concerned about this you are advised to consult a work injury compensation solicitor at the earliest opportunity.

Amounts of Compensation for a Claim for an Injury at Work

Even if the injuries sustained in two separate cut finger at work claims are identical, the compensation rewarded will not be. There are four main variables your solicitor must consider when preparing your work injury claim, meaning the compensation rewarded can vary greatly in individual cases. The factors taken into account will be:-

Compensation for Pain and Discomfort Caused

Your claim for an injury at work will be designated a financial sum based on the intensity of the injury and its seriousness. This figure will be altered in accordance to your age, gender and health prior to the accident. For instance – a young healthy female will be entitled to more cut finger compensation than an older male who is a long-term smoker.

Compensation for Damage Caused Emotionally

Some work injury compensation claims may not factor in emotional trauma damages, while other claims are based on this alone. In certain scenarios, a cut finger injury can be acquired in traumatic circumstances which result in a psychological injury. A claimant can seek emotional trauma compensation for a cut finger at work once their psychological injury has been verified by a psychologist.

Compensation for Amenity Lost

Any decline which has occurred regarding the quality of your lifestyle may also receive compensation in a claim for an injury at work. If an active person can no longer partake in the pastimes they once enjoyed or if a parent can no longer tend to their children, they may be able to claim compensation. The personal circumstances of a claimant should always be factored in by a solicitor regardless of whether the loss of amenity is temporary or permanent.

Compensation for Special Damages

The special damages aspect of work injury compensation allows a claimant to reclaim any financial expenses which have been incurred as a direct result of their injury, so that their financial situation will be as though the cut finger accident had never happened. These special damages generally factor in the costs of acquiring medical treatment as well as compensation for income lost while unable to work. It can also include the cost of alternative transport if you are unable to drive.

Your compensation for a work injury can include other factors which may increase or decrease the amount of compensation to which you may be eligible, and which your solicitor can describe to you in detail during your consultation.

Unsolicited Offers of Compensation

Once your cut finger at work claims have had a compensation value assigned, you will be ready for the circumstance in which the insurance company of your employer will directly approach you with an offer of compensation. The insurers will be aware of your injury and possible compensation claim after having been alerted by your employer following your report in their “Accident Report Book”. Reporting to their insurance company is generally a condition of your employer’s insurance policy.

You should be wary of the insurance company engaging in “third party capture”, which involves offering a victim a much lower offer of compensation to which they should be entitled, in return for settling their claim immediately. They may argue that a quick settlement will save upon costs and therefore allow more money for your compensation. However there is a strong possibility that the insurance company has not carried out a complete assessment of your injury, and therefore the risk of being inadequately compensated is high. You are advised to refer the compensation offer to your solicitor should you receive one.

Further Information on Cut Finger at Work Claims

Being aware of the compensation to which you are entitled for your cut finger at work claims is important before accepting an inadequate compensation offer. There are various other reasons for speaking with a personal injury solicitor as soon as possible after sustaining an injury in the workplace which was due to the negligence of your employer.

A major factor is with the collection of evidence to support your claim and acquiring witness statements from your co-workers. Evidence may disappear over time and memories become increasingly unreliable, so you are therefore advised to consult with a solicitor once you have been treated for your injuries.

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