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The crazy complexities of dealing with an accident

If you've ever been involved in a road accident, then you will know that the suffering doesn't end once you've left hospital, been patched up and reached the safety of home.

Because it's then that you have to start dealing with the aftermath. The paperwork, the phone calls and of course the dreaded people from insurance and their lawyers.

There are lots of important decisions to make, and correspondence to deal with just when you barely feel like you can manage to understand daytime TV. But letting it slide can damage your chances of compensation, delay a final settlement and even lead to you being blamed for an accident that may not have been your fault.

Known faults in the system

It isn't as if the faults of the system are unknown. A claim from a road accident takes an average two years to settle, according to the Association of British Insurers. If your compensation case is related to an accident at work, it takes nearer three years.

"For many thousands of people who have experienced accident or injuries through no fault of their own...the system is failing," said the Citizens Advice Bureau, for a recent cross-industry report on the personal injury system.

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