How the Claims Portal Works

25th June 2015

What is the Claims Portal?

The Claims Portal is the default method of dealing with personal injury claims that fall within the guideline amounts of between £1,000 and £25,000, in the UK.

The Claims Portal acts as a go-between for claimants and defendants, making it straightforward to pursue a road traffic accident or personal injury claims.

For free legal advice call our Personal Injury Solicitors on 0330 606 9587 or contact us online and we will help you.

3 Stages in the Claims Portal Process

The 3 stages are Investigation, Negotiation and Litigation.

  • Stage 1 – Investigation
    Your Solicitor/Lawyer will send a Claim Notification Form (CNF) to the defendant, which must be acknowledged within 1 working day. The defendant then has 21 days to respond to the claim, which is designated as a PL or Public Liability claim. The defendant then has 40 days to respond to the claim, which is designated as a PL or Public Liability claim. Once this stage has been completed the claim will only stay in the portal system if the defendant has admitted liability in full.
  • Stage 2 – Negotiation
    You will need to submit any medical evidence to support your injury claim. You will also need to state how much you are prepared to accept as recompense to settle the claim. All parties then have a further 35 days to negotiate and come to an agreement.
  • Stage 3 – Litigation
    If there has been no agreement at the end of Stage 2 then the defendant pays their final offer to the claimant. It is then up to the claimant to pursue the matter further through Court proceedings to obtain a higher amount.

Benefits of the Claims Portal

Keeps Costs Down

After the justice reforms initiated by Lord Woolf in 1999 and subsequent revisions to the legal system, it has become increasingly expensive to pursue small claims, especially car accident claims and road traffic accident claims for injury or damage to a vehicle.

However, if a claim stays within the portal process it is likely to be significantly cheaper in legal costs than those that fall outside the system. It is important to know that there are strict deadlines in place for each stage of the process, and if you breach any of these deadlines then the claim is rejected from the portal and your legal costs to continue with the case could soar.

Speeds Up the Process

Before the Claims Portal was introduced, pursuing road traffic accident (RTA) claims could take months, if not years. By ensuring that small to medium-sized claims all go through the same system and eliminating a huge amount of red tape that previously clogged things up horribly, the process has now been speeded up significantly. In effect, it can take as little as just under four months from start to finish, rather than the previous average of around 12 months.

If you’ve been a victim of a road traffic accident, claims that take years to resolve can have a huge financial impact on your life. By cutting that time down to weeks, even if it is to get an initial ‘interim’ compensation settlement before pursuing a higher claim through the Courts, you remove a huge amount of financial concern from the equation. This allows you to focus on recovering from your injuries, rather than worrying about your bank balance.

Decisions are reached quickly, and because the Portal is electronic, the transfer of information between parties is carried out in a secure and efficient way. So no more waiting for weeks for a letter from your Solicitor that tells you they’ve sent you a letter…

Stops Stonewalling

Such a clear-cut system stops a party from ‘stonewalling’ or dragging out the litigation for months and months. Insurers have to respond to claims within a 15-day period, for example.

Reduces ATE Insurance Costs

After the Event insurance can be very expensive (especially if your income has been affected by a road traffic accident). Premiums have dropped, however, since the Portal was introduced from a typical cost of £400 per case down to under £100 per case.

How Do I Get Started?

Call our team of Personal Injury Solicitors and Litigation Lawyers for free legal advice and to find out if you have a solid basis to pursue a claim.

If your claim is worth over £1,000 and under £25,000, once instructed to represent you, your Personal Injury Solicitor/Lawyer will complete a Claim Notification Form, which is sent electronically to the defendant’s insurance company. The defendant will also get a paper copy of this sent directly to their home address.

Important Note: A key fact to know is that the Solicitor must state whether the claimant was wearing a seat belt at the time of the accident.

Once that Claim Notification Form is sent, the process is initiated and Stage 1 of the Claims Portal process begins.

For free legal advice call our Personal Injury Solicitors on 0330 606 9590 or contact us online and we'll call you.

With a No Win No Fee agreement from Co-op Legal Services all your legal fees are covered, win or lose.

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