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  • Claim Journey
  • Serious Injury
  • INK

The timeline presents all the major milestones in your claims journey, keeping you up to date on your claim and any actions you may need to complete.

Blurred motorcyclist riding in the rain

Your claim journey

Skip ahead in the timeline to understand upcoming stages or what may be expected of you at the current stage of the claim.

Your claim is registered

Once we have gone through our initial assessment call with you and collected all the relevant information, then your claim is registered with our specialist bike team. Depending on your injuries, we may instruct our rehabilitation provider to contact you and arrange an initial assessment.

Once we have gone through our initial assessment call with you and collected all the relevant information, then your claim is registered with our specialist bike team. Depending on your injuries, we may instruct our rehabilitation provider to contact you and arrange an initial assessment.

As the legal partner of your motor insurer, we are representing you in relation to your bike accident personal injury claim. Should any other organisations attempt to contact you about your claim, please refer them back to us.

Financial losses you incur as the result of your injury can be included as part of your settlement. It is important at this stage to keep receipts and document damaged items – you can upload this evidence directly to your INK account.

We also recommend taking photos of any visible injuries or where there is damage to the vehicle involved in the accident or any safety equipment you were wearing.

Waiting for a liability decision

Having notified the other sides representative of your claim, at this stage we are now waiting for them to admit or deny responsibility.

Having notified the other sides representative of your claim, at this stage we are now waiting for them to admit or deny responsibility. This waiting period can last up to three weeks, as the third party’s representative company legally have 15 working days to come back to us with an initial response. For more complex cases, like an accident with a foreign vehicle or a hit and run driver, these timeframes may differ.

No further actions are required from you while awaiting a liability decision.

Medical appointment

An assessment with an independent medical expert is an important step in every personal injury claim, allowing us to evaluate the extent of your injuries and provide evidence which will be used to establish your level of compensation.

An assessment with an independent medical expert is an important step in every personal injury claim, allowing us to evaluate the extent of your injuries and provide evidence which will be used to establish your level of compensation.

For most injuries the assessments can be as short as 10 mins but, for more complex injuries, your appointment may take longer, and you may be asked to attend more than one session.

Your assessment can take place face-to-face or remotely, depending on your preference. You must attend your medical assessment in order for your personal injury claim to progress.

Medical report

After you attend a medical assessment the expert will prepare their report that will be used to help value your claim.

After you attend a medical assessment the expert will prepare their report that will be used to help value your claim. It is normal to be referred first to a GP but, for more complex injuries, they may make recommendations for you to be assessed further by a specialist.

You will receive a copy of the report which you will need to review and approve. When you receive a medical report to approve you must read the report carefully to check for any missing or incorrect information. It’s important the report accurately reflects your injuries.

Injury valuation

After reviewing the medical report, along with the information you have provided regarding your financial losses, we can now provide a provisional valuation for your claim.

After reviewing the medical report, along with the information you have provided regarding your financial losses, we can now provide a provisional valuation for your claim. This may be subject to change in line with your recovery period or if further medical evidence is obtained.

Your recovery

Depending on the nature of your injuries you may require further treatments or therapies provided by our specialist rehab experts or via your own arrangements with NHS or private clinics.

Depending on the nature of your injuries you may require further treatments or therapies provided by our specialist rehab experts or via your own arrangements with NHS or private clinics. It’s important to submit any receipts or invoices from any private treatment you receive so we can look to recover these as part of your settlement.

Preparing submission

Preparation to submit all aspects of your case to the other side includes documenting your losses, medical evidence and our proposed offer for settlement based on your injury valuation.

Preparation to submit all aspects of your case to the other side includes documenting your losses, medical evidence and our proposed offer for settlement based on your injury valuation.

Please submit any remaining losses as this is the last opportunity to add these before we submit your claim. Any losses added once your claim has been submitted cannot be included in any settlement offer.

One of our file handlers will call you before we submit your claim to go through some important information with you.

Claim submitted

Having submitted the claim, the other side then has 15 working days to come back to us with their response. No further actions are required from you while we await a response.

Having submitted the claim, the other side then has 15 working days to come back to us with their response. No further actions are required from you while we await a response.

Settlement negotiations

In some cases, the initial offer of compensation we have made is disputed. If so, further negotiations take place that may involve a series of offers between ourselves and those responsible.

In some cases, the initial offer of compensation we have made is disputed. If so, further negotiations take place that may involve a series of offers between ourselves and those responsible.

If you have granted us authority to negotiate on your behalf in line with your injury valuation we will continue to negotiate with the other side. When an appropriate settlement has been reached, we will contact you.

If you have not granted this authority, we will contact you with details of any offers we receive from the other side, so we can take your instructions on how you would like us to proceed.

 

Court proceedings

The majority of personal injury claims do not go to a final hearing with a settlement being agreed without the need to go to court.

The majority of personal injury claims do not go to a final hearing with a settlement being agreed without the need to go to court. Where court proceedings are necessary this is usually on the basis that liability has been disputed or we have been unable to agree an appropriate settlement for your injuries.

However, if you are representing a minor (aged under 18) you will be required to attend an infant approval hearing. If you are required to attend a hearing, you will be supported with legal representation throughout the process.

During this time, we will update you with progress on your claim and we may need you to review and sign certain documents.

Settlement agreed

Through negotiations or through a court decision at this stage we will have reached an agreed settlement.

Through negotiations or through a court decision at this stage we will have reached an agreed settlement. We will send a breakdown of your settlement as well as outline any costs that are to be deducted.

We then have to wait for the other sides representative to release payment which can take 4-5 weeks depending on the representative. These timeframes can differ in more complex claims, like those dealing with a foreign insurance company. There is nothing more for you to do at this stage however, it is a good time to ensure that we have your up to date bank details.

Payment issued

When payment has been received from the other sides representatives there may be fees or disbursements that need deducting.

When payment has been received from the other sides representatives there may be fees or disbursements that need deducting. Throughout your claim we will have discussed if this applies to you as you may be covered by motor legal protection in your insurance policy.

Depending on if you choose BACs payment or cheque your payment may take up to 7 working days to clear through the banks.

Help & Advice

Whether you’re a customer, acting on a customer’s behalf, or just wanting to find out more - check out Minster Law's help and advice. Our frequently asked questions, claims journey, and glossary will get you started.