Tuesday 26 July 2011

no win no fee personal injury claims

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No Win No Fee accident claims from UK Personal Injury Solicitors
Personal injury accident claims advice
General information about claiming is available on this site but if you would like to speak to someone about an actual claim please click on the navigational links to find solicitors in your area. The solicitors featured offer no win no fee agreements with a wide range of experience in all case types. There is no obligation to use the services of any solicitor should you call them to ask questions.
Call now on 0800 567 7133 or Claim Online!
No Win No Fee compensation claims
Making a personal injury claim in the UK should always involve no fees to the person who has received the accident injury as all legal costs should be paid by the third party should the compensation claim be successful. In the event that your accident injury claim is un-successful most injury solicitors will have already agreed to a no win no fee arrangement with the personal accident victim they are representing - whether this is through a legal insurance policy depends on the injury lawyers own standards of practice. Not all accident claims can have this no fees arrangement, but these tend to include only personal injuries that have occurred from medical negligence as the compensation claims process in these types of injury accidents is lengthy and sometimes speculative. The same applies to criminal injury claims and Scottish claims. Most personal accidents that occur in Scotland are also subject to injury solicitor fees but these are generally only if the claim is successful. Always check and get written confirmation from the injury lawyer you have chosen to help you with your accidents claim.
Making an accident compensation claim
Personal injury compensation is not a lottery win, an injury claim should only be made where accident injuries have occurred that have caused you pain and suffering and/or financial loss. Accidents compensation will not be paid out for near misses (e.g. prescribed the wrong drugs by GP but pharmacist noticed) or a personal injury that does not really affect your life (e.g. a cut on your hand that heals quickly and without fuss). Just because you have been injured does not mean you will definitely get accident compensations no matter how good your injury lawyer might be. Remember, for an injuries claim to be successful you will need evidence from an injury specialist such as a doctor for your personal injury solicitor to even begin the accident compensation process. Injuries compensation amounts are based on the actual suffering felt, not on how much money the opposition has or what the court considers a fitting punishment (unlike injury compensation in the US) and is generally calculated by an injuries specialist.
Engaging a personal injury solicitor
Every injury solicitor should offer you a no win, no fee arrangement where you are not charged whether the injury claims are successful or not. Not every situation is the same but the injuries lawyer that you speak to will discuss all the options regarding your compensation claims with no obligation on your part. The injury specialists we advertise on this site are generally long term established actual legal firms, many of whom are the leaders in their field.*

Hand Injury Claims

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Hand injuries are very common, accounting for around 10% of all visits to accident and emergency departments in the UK.

Although a hand injury may sound like a minor complaint, the movement and sensitivity of our hands are so vital to our everyday life that hand injuries can be some of the most debilitating injuries of all.

Treating a Hand Injury

Due to the intricate nature of the human hand, which allows us such complex movement and high sensitivity, it is vital that hand injuries be treated quickly by a medical professional.

Hand injuries affecting nerves, tendons, ligaments or blood vessels have the potential to lead to permanent damage or disability if they are not treated properly.

Nerve damage to the hand, for example, can lead to a condition called Vibration White Finger, a common complaint for people claiming compensation following injuries at work.

Hand Injuries at Work

Many people suffer hand injuries as a result of accidents at work. Unguarded machines at work are often the cause of nasty hand injuries.

Because employers have a duty to keep dangerous machinery and blades properly guarded, the employer rarely has a defence to hand injury claims.

Hands and fingers can also be injured in crushing accidents, in heavy closing doors, in lifting accidents or when moving heavy objects.

Significant disability can be caused by hand injuries, and urgent medical attention should always be given to deep cuts to the hand, where nerves and tendons may be damaged or severed, requiring emergency surgery.

Fractures of the bones in the hand are quite common in falls, where someone puts a hand out when falling.

Any significant hand injury needs expert medical attention, and valuing the right amount of compensation for a hand injury claim is very much a job for a specialist independent solicitor.

Claim Online

Contact National Accident Helpline™ online or by phone for urgent help in getting legal advice and making a hand injury claim.

Upper Body Injury Claims

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There are many different kinds of upper body injuries and compensation amounts vary massively, depending on the part of the body that is injured and the severity of the injury sustained. If you have injured a part of your upper body through an accident which was someone else’s fault, you could be entitled to claim compensation on a no win no fee basis.

The pages in this section are designed to give you an idea as to whether you could be eligible to claim compensation for your upper body injury. Click on the page below which is relevant to you for more information.

If your injury is not listed, please don’t worry, it is still likely that we can deal with your claim - so give our friendly team a call for a no-obligation chat - they can give you more information regarding your claim. Alternatively, fill in the call back request on the right and one of our specialist advisors will give you a call to talk you through your claim.

Back Injury Compensation
Hand Injury Claims
Neck Injury Compensation
Head and Brain Injuries
Arm Injury Claims
Eye Injury Compensation


For rough guidelines on typical compensation amounts for different kinds of upper body injury, visit our compensation calculator. This will show you approximately how much compensation you may be entitled to if you make a compensation claim for your injury.

Remember, National Accident Helpline guarantee 100% compensation on a no win no fee basis, which means, win or lose, you will not have to pay any fee’s. It’s that simple.

PTSD Claims

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People all over the world experience traumatic events every day which are out of their control. These frightening and overwhelming incidents can include car crashes, assaults, accidents and witnessing accidents or horrifying scenes.

Most of the time, people involved in traumatic incidents will experience a certain amount of shock, but they will not be permanently psychologically affected. A certain number of those involved, though, will experience a severe and ongoing emotional reaction to the event. This reaction was previously recognised in soldiers returning from the battlefield and called ‘shell shock’.

Post traumatic stress disorder

These days, the condition which used to be known as ‘shell shock’ is known as ‘post traumatic stress disorder’ or ‘PTSD’. Experts now agree that the condition affects many people who have been exposed to traumatic situations, on and off the battlefield.

More recently, PTSD has been diagnosed in people who have experienced continual overbearing stress as opposed to one isolated event, such as working in a highly stressful environment, and some of these sufferers have made successful claims for PTSD compensation.

PTSD symptoms

Symptoms of post traumatic stress disorder can include flashbacks, nightmares, difficulty sleeping, muscle tension and total avoidance of the source of the trauma. They can also include feelings of grief, guilt, anger, depression and extreme anxiety.

Symptoms of PTSD tend to be very invasive and can cause problems with all areas of a person’s life including work, family and friendships. Symptoms can appear at any time over the weeks or months following the traumatic event, although they normally appear within around six months.

Some professions are more likely to be exposed to the potential causes of PTSD. Military, ambulance workers and members of the fire brigade and police force all have the propensity to come face to face with shocking scenes on a daily basis. These people therefore have a higher risk of suffering from post traumatic stress disorder at some point in their lives.

Treatment of PTSD

Psychotherapy: Many types of psychotherapy are commonly advocated for sufferers of PTSD. Counselling can involve education about PTSD along with careful discussion of memories and feelings about the trauma. Group psychotherapy (often considered to be the most beneficial for military personnel and veterans) and cognitive behavioural therapy (CBT) are also commonly used to treat PTSD sufferers.

Medication: A range of medications, including a variety of different anti-depressants, can be used to treat PTSD. Medicines sometimes show a benefit in reducing PTSD symptoms, although they rarely cure the condition on their own.

PTSD compensation claims

In the past, courts have been reluctant to award compensation for psychological conditions arising from traumatic experiences, such as post traumatic stress disorder. However, as awareness increases, more people are successfully claiming for this very real and potentially devastating psychiatric condition.

People unable to work due to the symptoms of post traumatic stress disorder may be able make a PTSD claim for loss of earnings. If you would like to find out whether you could make a claim for PTSD compensation, call the National Accident Helpline or claim online today.

Dog Attack Claims

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Unfortunately, dog attacks can happen and, when they do, they can cause serious injuries. Although uncommon, dogs are known to attack humans and can be a threat to the general public.

According to NHS statistics, the number of people being treated for dog bites and other injuries from dog attacks in England has risen by over 40% in the last four years, to 3,800 a year. It is worrying to think that so many people are being injured each year by 'man’s best friend'.

If you are one of the unfortunate people that have been a victim of a dog bite or dog attack then you could make a claim for compensation.

A dog bite claim can be a lot easier to prove if the dog is already known to be dangerous and suitable precautions aren’t taken to keep the public safe. A dog owner could be held liable for a dog attack if the dog has a history of violence or aggressive behaviour, yet no precautions such as a muzzle or lead are used as a caution against dog bites.

The Dangerous Dogs Act

After a spate of newspaper articles in 1991 about the rise of dog attacks, the government introduced new legislation to try and protect the public from dangerous dogs, known as The Dangerous Dogs Act 1991.

Breeds targeted were Pit Bull Terriers, Japanese Tosa (also called a Japanese Mastiff or Fighting Dog), Dogo Argentino (Argentinean Mastiff) and Fila Braziliero (Brazilian Mastiff).

There are strict requirements around owning one of these dogs. They include keeping the dog on a lead and muzzled when in public and ensuring the dog is tattooed, chipped and insured and registered on the Index of Exempted Breeds.

In particular, if these dogs cause injury, dog attack compensation will be payable even if there is no history of previous signs of aggression.

You should always report a dog bite or dog attack to the police. You may be the first, or possibly one of many attack victims of that particular dog. By notifying the police you are forcing awareness of the potentially dangerous animal, ensuring appropriate safety measures can be taken to keep the public and preventing further dog attacks.

Making a Dog Bite Claim

If you are thinking of making an accident claim following a dog attack, you will need the dog owner’s details, such as name and address. If you’ve spoken to the police, you will need your police details, which can aid your case.

To make a successful dog attack claim, you will also need information about the dog, such as whether it has insurance against it (such as pet insurance or home insurance). This is important, as it will dictate whether there are means to pay the dog bite compensation, as most individuals won’t have the ability to pay personally.

If you are thinking of making a dog bite compensation claim, or just want more information about dog bite claims, call our team of dog attack claims specialists at National Accident Helpline™ now for free help and guidance, or fill out our short online claim form. We’re waiting to hear from you.

National Accident Helpline have helped thousands of people claim for many different types of personal injury

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The term ‘personal injury’ covers a broad range of injury and accident types – from whiplash sustained from a car accident, to a broken ankle from slipping on a pavement, to cerebral palsy caused through medical negligence. A personal injury can be physical or psychological, and can have long or short term effects.

You can make a personal injury claim now with our simple online claim form, or read on to find out more about personal injury compensation claims

Personal injury claims can be complicated and time-consuming, but with the help of specialist solicitors, the process can be made much more simple and quick.

The National Accident Helpline™ can put you in contact with personal injury lawyers who are trained to help with your particular personal injury claim. It won’t cost you a penny.

Benefits of Making a Personal Injury Claim

Many people find that, following an injury, they need to take time off work to recover. However, the strain of financial difficulties can means that they return to work to early, thus worsening the injury.

Making a personal injury claim can ensure that you have the time you need to fully recover, without having to worry about your finances.

Making injury claims can also be a step towards preventing the injury happening to anybody else. For example, an injury claim made following car accident on a dangerous blind corner may result in the highways agency erecting mirrors to make the corner safer for other drivers, thus reducing the chance of the accident happening in the future.

In fact, many people who make a personal injury claim do so for this reason alone, regardless of the amount of compensation they may receive.

Injury Claims Advice

It’s important to have the best possible independent advice in order to assess the value and potential success of your compensation claim.

We can advise you on how much compensation you are eligible for and how long the personal injury claims process will take.

Our personal injury solicitors will decide whether a no win no fee agreement is suitable for your claim and do their best to make sure you receive 100% of the compensation you are entitled to.

Making a Personal Injury Claim

Personal injury claims can be varied depending on your injury - from injuries sustained at work, on the road or in the street. Follow the links on the left to find out how the National Accident Helpline™ can help with your personal injury claim at no cost today.

With 17 years' experience, National Accident Helpline is the UK's leading name in accident claims

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Thinking of making an accident claim due to an injury that wasn't your fault? If so, you may be entitled to compensation, and the National Accident Helpline™ are here to guide you through the accident claims process. In the past 15 years, we’ve helped tens of thousands of people across the UK make compensation claims for their personal injuries - compensation they deserved.

Accidents can happen at any time. Many accidents occur on the road, involving cars or motorcycles, and many also occur in the workplace, as a result of inadequate training or safety equipment.

Accidents in retail premises such as slips and trips in supermarkets are also common, as are public accidents and medical negligence cases. Accident claims can be made for most non-fault accidents and compensation is rewarded depending on the claimant's injuries (both physical and psychological) and financial losses caused as a result of the injury.

Why make an accident claim?

Victims of more serious accidents regularly need time off work to recover from their personal injury, leading to financial problems such as struggling to keep up with mortgage repayments. In fact, many people return to work too early due to these problems, often making their injury worse. That is why it is important that accident victims make an accident claim and are awarded the compensation they deserve - to give them the time needed to make a full recovery.

Accident claims should be successful if it can be shown that someone has been at fault in some way - that they have failed in a duty or not taken reasonable care - and that this fault or failure caused (or partly caused) the accident. This may be quite obvious in some cases, but in others it can be quite complicated.

An example of a responsible party neglecting their duty of care would be a supermarket employee mopping a spillage on the floor but not displaying wet floor signs, resulting in a customer slipping and injuring themselves in the process. In this example, the customer would be entitled to make an accident claim as their injury could have been prevented by the supermarket.

Accident claims with National Accident Helpline™

At the National Accident Helpline™, we work with specialist personal injury lawyers across the UK so you can be confident that, should you choose to make an accident claim, you will be looked after by specialist professionals who will talk you through all aspects of making an accident claim.

Information about some of the more common types of accident compensation claims are contained within the following sections:

Injury lawyers for your accident claims

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Injury lawyers for your accident claims

Accident, injuries and falls can happen to anyone at any time. It’s your legal and civil right to make an accident claim and get your life back on track as soon as possible. When accidents happen, we can help you do just that. Accident claims are our speciality and we win the vast majority of our accident claim cases. Our in-house personal injury lawyers handle every kind of accident and injury claim on a no win, no fee basis. We’ll take expert care of everything from start to finish and give you 100% of your accident compensation.

Accident specialists
We have well over a decade of experience in accident claims. Our accident claims team works to the highest legal standards and provides a friendly and professional accident and personal injury service. We’ll make sure your accident claims are as simple, stress-free and successful as possible. It’s no accident we’re one of the UK’s leading personal injury law firms – specialising in no win no fee accident claim cases.

Accident claim? We’re here to help
Ready to make an accident and injury claim? It’s vital to choose an expert injury lawyer for your claim.

Our injury lawyers will make sure your injury and accident claims have every chance of winning the compensation you deserve – in the fastest possible time.

Our injury lawyers are experienced in a wide range of accident and injury claims. They know exactly how to win compensation no matter what your accident and injury. It starts with a call or a click. It’s that easy to get your claim moving.

Expert injury lawyers
When you need an injury lawyer, call on us and your claim will be in the right hands.

We have the know-how to take care of any kind of accident or injury claim from a road traffic accident claim to a claim about faulty goods. If you have an accident or injury claim, our injury lawyers can help you win what’s rightfully yours – and we operate on a no win no fee basis.

Arrange a home or work visit
Contact our injury lawyers today. Why delay? We can visit you in your home or at work to discuss your claim. We’ll tell you if you have a claim and we’ll take care of everything. After all, you’ve been through enough.

Paying for legal services

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No win, no fee agreements

Apart from family or criminal matters, many types of claim are suitable for a Conditional Fee Agreement, commonly known as 'no win, no fee'.

If your claim is successful

In a 'no win, no fee' agreement your solicitor will only be paid if the claim is successful. He or she will also be entitled to an extra fee (known as a success fee). Both the basic fee and this extra fee are normally paid in whole or part by the losing party.

There are other incurred costs (such as court fees or the fee for a medical report). These are normally known as disbursements. Again, the losing party should pay all or part of these costs.

You are liable to pay your solicitor for any costs that the losing party is not ordered to pay.

If your claim fails

You will not have to pay your own solicitor, but you will still probably have to pay the costs of the successful party - the other side. Also, you will have to pay any other incurred costs (such as court fees or the fee for a medical report). These are normally known as disbursements. However, your solicitor will normally be able to arrange insurance to cover this risk. This is known as 'after the event' insurance. You may have to pay the insurance premium.

For a 'no win, no fee' arrangement to be valid, the solicitor has to complete a number of formalities and give you pieces of information at various stages.

Follow these links for more information on choosing and using a solicitor.

Compensation Claim Advice

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Making a Compensation Claim after an Accident at Work

If you or anyone you know has been involved in a workplace accident and suffered a workplace injury, illness or disease, telephone us now for accurate claim advice.

Thompsons Solicitors are experts in dealing with personal injury compensation claims for people injured during the course of their employment.

Below, you will find information about the most common types of accidents at work claims we deal with together with details about how to begin your own personal injury compensation claim. If you cannot find the information you require here, telephone us on 08000 224 224 for assistance or complete one of our online personal injury compensation claim forms.

Accidents at Work for Members of the Armed Forces
Assaulted at Work
Claim Advice for Accidents in Construction
Crane Accident Compensation
Dangerous Machinery in the Workplace
Dangerous Practices and Procedures at Work
Falls from Height at Work
Farm Accident Compensation Claims
Fork Lift Truck Accident Compensation
Needlestick Injuries
Oil Rig Accident Claims
PPE - Personal Protective Equipment
Scaffolding Accidents
Workplace Manual Handling Compensation Claim
Workplace Slips and Trips

There are strict time limits in place to make any injury claim, including compensation claims for workplace accidents and workplace injuries. For further information, contact us or visit our Questions Answered page.

Thompsons Solicitors are experts in all personal injury matters. We will be able to advise you whether or not you have a valid claim for compensation. Our specialist personal injury lawyers will be happy to talk you through the process of making a claim in plain English and will be happy to answer any questions or queries you may have. If you do have a valid personal injury compensation claim and you decide to instruct Thompsons Solicitors to deal with the matter for you, we will recover our legal fees from the person responsible for your injury, ensuring that the entire procedure is cost-free for you. Telephone us now on 08000 224 224 or complete one of our online personal injury compensation claim forms.

To read a report we have published on our website outlining the outcomes of personal injury compensation claims for people who are legally represented and those who are unrepresented, visit Report produced by Frontier Economics - Critique for Thompsons Solicitors.

Workplace Accidents

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About Accidents at Work

If you are unfortunate enough to be involved in an accident at work, which was not your fault and you suffer from a workplace injury, you may be able to make a personal injury claim for compensation.

As with all accident compensation claims, you would need to prove that your injury, illness or disease was caused as a result of the negligence of another party (in this case your employer) and once you appoint a personal injury solicitor, they will assist you in compiling your evidence and presenting it to the third party insurers.

Every personal injury compensation claim is very different and while some are settled within a matter of months, others can take years. Most claims for workplace accidents and workplace injuries are settled out of Court; however, some will need to progress this far.

At Thompsons, our specialist accident at work lawyers can deal with all types of workplace accident and workplace injury claims ranging from lacerations, burns and soft tissue damage to catastrophic injuries such as brain injuries or spinal injuries and even fatal injuries.

Accident At Work Claim: How to succeed in a claim for compensation by showing your UK employer is legally responsible for your injuries

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Accident At Work Claim: How to succeed in a claim for compensation by showing your UK employer is legally responsible for your injuries
Accident at work claim: discover a simple guide to showing your employer is responsible for paying compensation following a workplace accident.
Why do you need to know how to show legal responsibility for your accident at work?
Using the law to show legal responsibility is quite involved and is best left to your personal injury solicitor, but you will find it very useful to see a brief overview of what your solicitor should take into account to determine if you have a strong case.
An overview of the law will help you look at the facts of your accident at work and give you confidence to contact a personal injury solicitor to make a claim.
Accident at work claim

How do you show an employer is responsible for your accident at work claim?
You will be pleased to know that as a matter of public policy the health and safety of workers is considered of great importance by the UK government which has in recent years been reinforced by European law.
If you have an accident at work your chances of winning a compensation claim are normally quite good as there are a number of different ways your employer can be considered legally responsible, which include:
1. Employer negligence
Your employer must show that he took all precautions to ensure your safety in doing the job in which you were injured - you must have been provided with proper training and been given the correct safety equipment. If your employer failed to do this he could be seen to be "negligent" and so legally responsible for your injuries.
2. Health and Safety Laws
There are a several laws which are in place that protect the health and safety of workers in all workplaces. For example, an employer is required to make a proper risk assessment prior to an employee doing any task:
Click accident in the workplace to see what exactly your employer should do to protect your health and safety at work.
There are many other requirements on your employer under health and safety law and unless your employer can show that he followed all of these he is likely to be responsible for your accident at work claim.
Click Health and Safety Executive to see the health and safety law that applies to all employers in the UK
3. Manual Handling Regulations
Depending on the type of task you are being asked to perform in the workplace there are often additional laws in place.
For example - if you are required to move or hold any object at work using your hands or using bodily force (in other words using your physical strength in some way) then you are doing what is known as "manual handling".
Many accidents at work are caused through "manual handling" and a law is in place known as the Manual Handling Operations Regulations 1992 setting out your employer's obligations where manual handling takes place. It is accompanied by a useful guide including the amount of weight an employee can safely handle in different positions.
Click manual handling health and safety to see a short guide to the manual handling regulations.
Another example relates to the use of dangerous chemicals in the workplace - there are laws relating to the protective safety equipment necessary to prevent a chemical injury to workers that could lead to a claim for compensation due to poisoning.
4. The employment contract
The employment contract sets out your relationship with your employer - describing if you are considered an employee or self employed, what your contractual rights are and the duties of your employer. If you employer breaks the terms of the contract he may be found contractually responsible for your injury.
In the event of an accident an employee is owed greater protection by an employer than someone who is self employed - even though your contract may state that you are self employed (a contractor) be aware that this is not final as there are other tests that may determine you are an employee for the purpose of your accident at work claim.
5. Occupier's liability
For example, if water is spilled on the workplace floor causing you to slip and injure yourself it is likely your employer will be legally responsible for leaving the floor in a dangerous state.
Sometimes an accident occurs when you are working outside of your normal workplace - an employer can still be found legally responsible in these situations so seek advice from a personal injury solicitor.
Accident At Work Claim Summary
This page has provided you with an overview of the laws in the UK used to win your accident at work compensation claim and has explained why it is important that you have a basic understanding of them.
Sometimes an employer has provided training and warned you of the risks of injury in the workplace, but despite this your own carelessness has lead to an injury occurring.
Click accident at work claim for injury to see why you can still make an accident at work claim when your own carelessness has lead to your workplace injury

Work Accident Compensation

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What You Need To Make A Work Injury Claim
In order to make a claim for an accident at work, you will need evidence which proves that your injuries have been caused by negligence or working practice in the workplace. This evidence could take the following forms:
Witnesses
Employers logs
Previous similar work accidents
Ambulance attendance at the scene
An accident book
Doctors notes
There are many others forms the evidence could take, often dependent upon the nature of your workplace.
It will then be up to yourself and the expert injury solicitor working on your behalf to prove that the injuries were the result of negligence on the part of your employer. It has to be borne in mind when making a claim such as this that you will be giving evidence against your employer.
Many people will feel uncomfortable doing this but always remember the following:
-- You are not alone. An expert solicitor will be on hand to guide you every step of the way.
-- Employers are insured against any losses incurred as a result of your claim - you won't be taking any money direct from your boss.
-- Employers may actually welcome one or two cases which help them to strengthen health and safety standards, thus avoiding larger lawsuits in the future.
-- Strictly enforced laws mean that employers unwilling to compensate for workplace injuries or to adapt their practices will face far stiffer penalties.
You may still feel worried about making a claim against your boss, despite the legislation in place to protect employees who do so, in which case it will be valuable and reassuring to discuss the details of your case and any possible ramifications with a solicitor before embarking upon any action.
Call us for free on 0800 567 7133 or fill in the no obligation form at the top of the page and we'll put you in touch with an expert who can talk you through your claim.
There are some injuries which crop up on a regular basis as a result of workplace accidents. These include back injuries, hernias and hand injuries. In the case of common injuries such as these, the claim may be easier to settle as the levels of compensation are already well known. Work injury claims are often complicated by the nature of the workplace itself, and for more detail on the issues involved see our site dedicated to employer liability and work injury claims in detail. It should be borne in mind that the prohibitive cost to employers of workplace injuries means that they often go to great lengths in order to prevent accidents.
Why Make A Work Injury Claim?
The idea that employees can claim for accidental injuries incurred in the workplace is a relatively new concept. In years gone by, employees would probably be remonstrated for their carelessness and the issue of health and safety swept under the carpet. The growth in workers' rights over the decades, and an increasing focus on issues of health and safety have led to a boom in the levels of compensation claimed however. To some this is seen as a bad thing, with the resultant higher insurance costs for employers and the pressure to ensure that every part of the working environment is as safe as it possibly can be. It should be remembered, of course, that the money is not being taken directly from the employer themselves, but from the insurance purchased for precisely this reason.
Nor is workplace compensation a 'punitive' system - your boss isn't being punished for your injuries, you are being compensated to a level which is reasonable when taking into account your pain, inconvenience, trauma, lost wages etc. Only a bad employer would have any objection to ensuring the well-being of a worker injured in the line of duty, and if workplace compensation helps to bring about an end to the days when workers were seen as expendable, then this is surely a good thing.

Workplace Accidents

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Thompsons Solicitors are experts in dealing with personal injury compensation claims for people injured during the course of their employment.

To the left side of this page, you will find links to information about the most common types of accidents at work claims we deal with together with details about how to begin your own personal injury compensation claim. If you cannot find the information you require here, telephone us on 08000 224 224 for assistance or complete one of our online personal injury compensation claim forms.

Injuries caused by accidents at work can happen in many different circumstances and vary greatly in severity from minor lacerations and broken bones to severe burns, amputations and sometimes sadly, fatalities.

When making a personal injury claim for compensation after an accident at work, it is important to choose an experienced solicitor as experience really can make a difference to the success or failure of your claim and also to the amount of compensation recovered.

At Thompsons Solicitors, we have over 85 years experience of dealing with personal injury compensation claims and we have teams of specialist lawyers and solicitors based regionally around the UK who have an in-depth knowledge of the workplace regulations.

Our specialist personal injury lawyers will be happy to talk you through the process of making a claim in plain English and will be happy to answer any questions or queries you may have. If you do have a valid personal injury compensation claim and you decide to instruct Thompsons Solicitors to deal with the matter for you, we will recover our legal fees from the person responsible for your injury, ensuring that the entire procedure is cost-free for you.

Please read the extracts from letters of thanks we have received from our clients who we have helped with accident at work personal injury claims.

There are strict time limits in place to make any personal injury claim. For further information, contact us or visit our Questions Answered page.

ACCIDENT AT WORK UK PERSONAL INJURY CLAIMS AT SIMPSONS SOLICITORS

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Have you suffered an accident at work? You could be entitled to damages through a personal injury claim!

Why suffer from an accident at work or any other type of accident, when we can make the work accident claims process simple and easy for you at no cost to yourself!
NO WIN - NO FEE! Click here for cost free advice about your accident claim

Simpson Solicitors are one of the UK's leading work accident specialist law firms and personal injury claims expert solicitors regulated by the Solicitors Regulation Authority for your peace of mind.

Our nationwide solicitor claims service provides initial free advice regarding the potential success of your accident or injury claim, and a supportive simple, fast and efficient personal injury claims service through to settlement of damages and compensation.

Our specialist work accident claims service is available to residents of England and Wales who have suffered personal injuries due to an accident at work or other negligent cause, such as a road traffic accident or injury in the street during the past three years.

To learn more about our solicitor services please visit personal injury claims services

Our service to you

• We are commited to maximising the accident compensation due to you through the courts or settlement, for personal injury sustained through accidents at work.


• You receive a 100% compensation - you do not share your damages received.


Nationwide Service (excluding Scotland)

• No win - No fee! - cost funding arrangement


• Expert Personal Injury and Accident Solicitors who deal exclusively on a daily basis with claims for work accidents

WORK ACCIDENT ENQUIRY - FOR FREE ADVICE


CLAIM COMPENSATION FOR AN ACCIDENT AT WORK

For more information about work accidents and accidents in the workplace click here

Car Accident Whiplash Claims

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One of the most common injuries resulting from a motor accident is whiplash. It happens faster and easier than you’d believe often leaving the accident victim with bone and soft-tissue injuries and the whiplash-associated disorders of headaches, muscular tension and painful, restricted neck movement, requiring medical and physiotherapy treatment and making it necessary to seek whiplash compensation.

Chronic whiplash, also known as late whiplash syndrome, may include *1cranial nerve or brainstem disturbance, cervical spine osteoarthritis, anxiety, blurred vision, disturbed sleep, fatigue and more. Often it is difficult to perform many basic tasks or to return to work, adding financial stress or hardship.

If you have a whiplash injury from a motor vehicle accident, do not delay in seeking legal advice.

Do not assume you will be fairly compensated for the pain, medical expenses and disruption to your life, and often to your family as well – disruption that may have cost, or lost, you thousands of dollars.

Insurance companies sometimes try to minimise motor vehicle accident compensation payouts so you need to know where you stand and whether you have a valid case for a whiplash compensation claim. We can arrange for a expert in whiplash compensation and motor vehicle accident injuries to offer advice FREE OF CHARGE.

Simply click here and a member of our team will answer you as soon as possible.

*1 Whiplash associated disorders: a comprehensive review, Centre for Automotive Safety Research, University of Adelaide, Australia (April 2006) http://casr.adelaide.edu.au/reports/CASR016.pdf

Saturday 23 July 2011

Insurance

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awyers.Com > Understand Your Legal Issue > Insurance

Insurance


Insurance transfers and allocates risks from the person taking the policy or "the insured" to the insurance company or "insurer." An insurance policy is a special agreement between the insurer and the insured. To be enforceable, the insurance policy must meet all of the usual requirements of a contract and, in addition, the insured must have an "insurable interest" in the subject matter being insured, such as property, life, and health. Businesses usually carry basic property insurance and commercial liability policies. But they may also carry fidelity insurance, business interruption insurance, and directors and officer's liability insurance. Please read on to find an insurance attorney, insurance lawyer, or to learn more about insurance law.
Find an Insurance attorney in your area.

Green Car Insurance

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Green car insurance is a subject that is cropping up more regularly than ever in the UK.

As concerns over global warming continue to grow, companies in all sectors of business are looking at how they can reduce the damage they cause the environment.

The car insurance market is no exception; but is green car insurance a good idea?

This type of policy works by providing funds to environmental projects that offset the carbon emissions you produce when driving. At first glance taking out a green motor insurance policy seems to be an interesting proposition and will certainly appeal to the environmentally conscious.

As the wave of environmental anxiety continues to wash over the world a new range of green car insurance companies have sprung up offering motorists the opportunity to play their part in helping remedy the situation. Let’s take a look at some of them.

Green Car Insurance Companies

eGreen Insurance – when you take out a green car insurance policy with egreeninsurance they will take £25 from your premium and buy half an acre of rainforest. This prevents the land from being destroyed and helps combat climate change by offsetting the CO2 emissions produced by your car.

The Green Car Insurance Company – this environmentally friendly insurer runs a programme to offset 100% of your car’s carbon emissions with projects that include planting new forests in Scotland.

ibuyeco – their 100% carbon neutral insurance works with environmentally friendly projects to save 1kg of emissions for every 1kg of CO2 produced by your vehicle. To achieve this they work with renewable energy and landfill projects all over the world.

More Th>n – a slightly different take on green car insurance. The More Th>n Green Wheels policy helps its customers to develop a greener driving style. As a policy holder you are given access to information on your braking and accelerating rates, the number of short journeies made and more to help you become more environmentally aware when driving.

So if you are considering taking out a green car insurance policy there are certainly several options to choose from. However, we still need to answer the question of whether or not it’s a good idea.

The main plus point of green cover is clear, help combat global warming by offsetting your carbon emissions. In isolation this sounds great but there are several other factors to consider.

The most important factor is whether or not your policy offers the level of protection you need and for many people cost is a very close second.

In order for a green car insurance policy to be a viable option it has to meet these two main criteria; provide you with the right level of cover at an affordable price.

If green car insurance appeals to you it is well worth comparing the policies and premiums available against those of the more traditional insurers. While it’s great to help the environment it is still essential to get quality cover at a competitive price.

A final point to remember is that a green car insurance policy isn’t the only way motorists can help the environment. If you find cheaper cover while switching to a new insurance provider you could always consider donating the money saved directly to programmes designed to combat the effects of carbon emissions

California Workmans Comp Insurance Rates

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California workmans comp insurance is for males and girls who get injured on the work. Some points which are integrated to medical expenses, funds for rehabilitation if vital, and even recovery. Some compensation insurance even has an choice for death advantages.

Professional medical insurance comes using the task exactly where as with workers compensation you must inquire it. California worker compensation insurance is well necessary for almost any sort of small business.

California workmans comp insurance is dealt with by non-public insurance corporations. Company are permitted to self-insure if they can demonstrate adequate financial solvency to regulatory agencies. In California, the State Compensation Insurance Fund also delivers this insurance. This is often a state-operated insurance company that delivers insurance on a nonprofit foundation and acts since the “insurer of last resort” for high-risk companies. Every single of those entities controls workers’ compensation statements filed by its policyholders.

California workmans comp insurance claims are dealt with similarly to wellness insurance claims. The insurance company or self-insuring organization dealing with the claim approves or denies certain requirements of care and sets limits on advantages. For the reason that insurance companies handle the claims procedure, they decide on the medical providers for injured personnel. Even for those who opt for the physician, the insurance company nonetheless controls the payments and dictates the phrases of appropriate treatment.

California Workmans Comp Insurance Disability Benefits
California Workmans Comp Insurance disability benefits are categorized into short-term disability, long term complete disability and long term partial disability. Short-term and long term complete disability advantages cover two-thirds of an employee’s wages up to a highest rates of $728 for every week, as of June 2010. Completely disabled workers can obtain this advantage for lifestyle.

The California workmans comp insurance with long term partial disabilities are eligible for scaled-down highest positive aspects and can receive payments according to the Permanent Disability Rating Routine approved through the state.

LIFE INSURANCE PREMIUMS

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n the past, people had no other choice but to agree with the terms set by the insurance companies. However, because the premiums in the past were so inflexible, people simply let go of the insurance plan they’ve already paid for.
Well, these are history because nowadays, life insurance premiums are more flexible, and people have different choices to choose from.
Today, life insurance premiums can be paid monthly, quarterly, bi-annually, and annually. Annual premiums offer the consumer a lot of savings. The total amount is a lot smaller but the money you have to pay one time is quite bigger.
Monthly and quarterly life insurance premiums do not require you to pay a big amount at the instant but these are more expensive and the ROI is smaller than annual or bi-annual life insurance premiums. Nevertheless, life insurance premiums provide ultimate choices for any individual to secure his/her future

2010 Lamborghini Gallardo LP550-2 Debuts Under $400,000 In Australia

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With only 20 units earmarked for Australia, the LP550-2 will be special enough on its own.

“The release of the Gallardo LP550-2 signals new and exciting times for Lamborghini. In Australia, the vehicle will retail for $399,000 making it an extremely competitive addition to the market,” Lamborghini Australia's Managing Director Andrew Smith said.

“It presents an excellent opportunity for buyers and with only 20 units allocated to Australia we expect them to go very quickly.”


The Gallardo LP550-2 Valentino Balboni Edition.
Like the Balboni, the LP550-2 ditches the all-wheel-drive system that separates the other more-expensive Lamborghinis, cutting weight down to just 1380kg. By comparison, the LP560-4 weighs in at 1569kg.

The LP550-2 is available in 10 colours, and lands in Lamborghini showrooms this month. It is priced at $399,000 (plus on-road costs), which puts it at about $80,000 less than the Balboni version


1Share
Get the best price on a new Lamborghini Gallardo

Starting at just $399,000, Lamborghini Australia has announced its most affordable model yet, in the form of the rear-wheel-drive 'entry level' Gallardo LP550-2.

Based on the limited-edition LP550-2 Valentino Balboni - created to honour the Italian supercarmaker's legendary test driver - the LP550-2 boasts the same 550hp (405kW) 5.2 litre V10 as its very special sibling.

Insurance Law

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Insurance Law is a complex area which requires a good understanding of tort and contract before addressing the precise legislative environment which governs this industry. The Insurance Agents and Brokers Act, the Insurance Contracts Act and the Financial Services Reform Act impact heavily in this area.

Lawyers are often instructed to assist with a wide range of matters including policy drafting, policy revision, advice on policy wordings, acting on a wide range of claims, negotiating settlements or litigating matters. Where claims have not been properly assessed and quantified we rely upon LAC Loss Adjusters to do this.

We are available to assist with the following:

Agency and Broker Agreements
All Property claims
Aviation
Building Warranty
Business Interruption
Claims Management
Claims Resolution
Class/Representative Actions
Contractors All Risks
Directors’and Officers’Liability
Engineering
FSRA Compliance
Financial Claims (Burglary, Theft, Loss of Rent, Advance Profits)
Marine/P&I claims
Negligence Cases
Personal Accident and Sickness/Disability
Policy Drafting and Interpretation
Product Guarantee
Product Recall
Professional Indemnity
Public and Products’ Liability
Recoveries
Risk Management Strategies
Insurance - Disputed/Denied Claims

One of the most problematical areas in Insurance Law is the area of Disputed/Denied Insurance claims. Although there are a number of mechanisms to deal with contentious insurance claims many of them still end up either in a tribunal or court. We have appeared in the CTTT in New South Wales; VCAT in Victoria and the Local, District Court and Supreme Courts in NSW and the Magistrates, County and Supreme Courts in Victoria. We have acted in contentious matters where claims have been disputes, denied or are allegedly fraudulent. We have provided advice and acted for clients on contract works, engineering, legal liability, marine and all material damage or property classes of insurance. Whether claims are property or liability considerable expertise must be brought to bear to successfully resolve them. Property claims are the most frequent and may be categorised as follows:

Building and Building Warranty
Commercial
Corporate
Business Interruption
Domestic
Motor
Travel
The majority of our work in this field is advising clients on the operation of insurance policies and how the best outcome can be achieved. Whether a matter involves aviation claims, broker agreements, business interruption, property claims, financial claims, insurance fraud, insurance litigation, negligence cases, policy drafting, professional negligence, recoveries, risk management or statutory interpretation of various acts which operate in the insurance field, do not hesitate to contact LAC Lawyers for proper advice.

Insurance Claims

Although we get involved in a wide range of insurance matters one of the most frequent areas in which we are retained involves insurance claims. Interestingly we are approached by clients to represent them on both life and general insurance matters. All too often insurers refuse to pay claims based on the misapplication of the facts and material presented to them. Unfortunately they are often missing vital information because they are relying upon either investigators or loss adjusters who lack the requisite skill and experience to obtain all relevant facts allowing them to be put before the insurer. Alternatively the quality of claims staff is so poor or they have been given little opportunity to acquire the necessary skills to undertake their work properly. Irrespective the outcome is the same, the claim slows down and finally it is refused.

This problem is far more prevalent with general rather than with life insurance due to the frequency of claims made. Although many insurers have made substantial attempts to overcome this problem there are still some who frequently deny claims on an extremely tenuous basis. Unfortunately most solicitors have little knowledge of property damage claims and the methods adopted to secure information provided to insurers. Without this knowledge it makes it extremely difficult to properly advise clients whether insurer or insured. All insurance claims rely upon the validity of facts applied so that the policy can be properly applied to ascertain whether the claim fits within the terms and conditions of the policy. It does not matter whether you are dealing with domestic or commercial claims, irrespective of their size the same principles apply. The only real difference between the two categories is that the numbers are larger with commercial claims with consequential losses sometimes being covered by business interruption insurance.

For fire and general claims, irrespective whether domestic or commercial, problems are often encountered with the quantification of the loss. That is, in principle the insurer accepts that a genuine claim has been lodged but it is the assessment of quantum and the adjustment of it which causes the problems. They can start with simple problems of valuation through to large commercial losses irrespective of the type of entity involved where there has been substantial damage to a wide range of property and it has not been effectively dealt with. One of the major areas of concern for insurers and therefore insured's is the treatment of smoke-damaged plant and equipment. The question becomes – can it be effectively cleaned and or repaired such that the performance characteristics of it are not impaired. Of course the insurer will argue that it has been whereas the insured may not. A problematic area is encountered when dealing with repairers such as lift companies who always seem to take the view that nothing can be cleaned or repaired and therefore replacement is the only option available. Sometimes claims will be encountered where plant and equipment has been written off in the books of account of the relevant entity and it has been assessed as having no value including residual value. Irrespective how the problem arises it will always get back to what is the appropriate indemnity value which will cost you real money if you do not satisfy yourself as to what your legal entitlements are.

Most practitioners are unaware that there is a difference between personal sickness and accident policies and disability ones. The former is a general insurance product, the latter a life insurance one. Recently there has been an increase in the number of these claims which have been referred to our office. Normally they relate to the time at which the insurer was notified and whether or not the disability amounted to a pre-existing condition. These cases normally involve some complicated medical condition such as cancer, epilepsy or even Alzheimer's disease. Many of these claims are made under some form of group, life or disability scheme, which often causes problems for the insurer. Of particular importance here is the onset of the condition and just because an insurer refers an insured for medical assessment that does not always mean the matter is final because we have seen cases in which the medical assessment has failed to detect the condition at an early stage although there were symptoms present.



Our personnel have a long association with the insurance industry and we always strive for fairness and equity on our clients’ behalf. We give clear, concise advice on success prospects. We focus on achieving early resolution of disputes and where this is not possible litigation may be the only means left open to our clients.

In some cases alternative claims management strategies need to be considered which may assist to reduce cost whilst producing the proper outcome. All client instructions are welcome.

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Friday 22 July 2011

Back Garden Gold Panning

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FAQ

What is back garden gold panning?

It's exactly what it says on tin, panning for gold in your back garden. Using material ('pay dirt' or 'panning concentrates') obtained from someone dredging and prospecting at a gold rich location and a gold pan you can search for gold in the comfort of your own home or garden. All you need is a gold pan, pay dirt and a big bowl of water to wash your pay dirt in the pan, separating out the lighter material and hopefully leaving behind the heavier gold.

Why do it?

Well, some people do it for fun, some parents buy panning concentrates for their kids as an interesting and educational activity, but back garden gold panning is also the best way for anyone new to panning to learn a thing or two about the basics before going into the field and trying gold panning for real.

Where can I buy gold pans?

A lot of the larger metal detector dealers in the UK stock the the Garrett gold pans and panning kits which are excellent value for money (the kit in particular, as it includes a book, a suction bottle and several pans etc. and should be available for a little less than £30) most of the larger dealers also sell via mail order, so you can buy over the phone, or in some cases, via the net.

Why buy gold panning concentrates?

Because you are pretty much guaranteed to find some gold in them, even though the amount is likely to be tiny. Before heading out into the field you need to be sure that you have developed a technique that works or you could be in for a very frustrating time. Many sellers of panning concentrates seed the bags of pay dirt with extra small amounts of gold, this makes the panning concentrates an even better training tool because they may add small flakes or nuggets as well as dust.

Where Can I buy Panning Concentrates?

eBay is a good source of panning concentrates, go to www.ebay.co.uk and search for 'gold panning concentrates' or 'gold panning dirt,' remember to search worldwide as most sellers of pay dirt are based in the US or Canada. Pay particular attention to postage and packing costs, getting the panning concentrates shipped to you can be an expensive business.

Gold Prospecting and Panning In The UK

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Almost all gold panning in the UK takes place in North Wales and Scotland.
If you want to take up panning and you live in the south east of England (for example), you will need to have a lot of free time and be prepared to do a lot of driving or, alternatively, take up back garden gold panning, it's less travel, less hassle and will give you a greater chance of actually finding some gold.
We should also be clear on one thing from the beginning; gold panning in the UK will not make you rich, if you are having to travel any great distance to get to areas that are worth panning you will not even cover your expenses, unless you are exceptionally lucky - and I mean a lottery jackpot level of lucky.
Most people who pan in this country do it for the love of the outdoors and the thrill of the hunt, very few (if any) do it for the money.

Gold Mines in Wales

The Clogau Gold Mine (sometimes known as the Clogau St David's Mine) was once the largest and richest mine of all the gold mines in the Dolgellau gold mining area. It is situated in Bontddu, near Barmouth, in Gwynedd, north-west Wales.

After producing copper and a little lead for quite a number of years, the mine developed into gold production in the 1862 'rush' and continued as a major operator until 1911 during which 165,031 tons of gold ore was mined resulting in 78,507 troy ounces (2,442 kg) of gold. It worked the St David's lode of Clogau mountain alongside the co-owned Vigra Mine. Since 1911 the mine has been re-opened several times for smaller scale operations. It last closed in 1998, but has been held by a local exploration company since 1999.

When in production the mine used a two-foot gauge railway.

Gwynfynydd Gold Mine at Dolgellau, Gwynedd, Wales, was discovered in 1860. It was active until 1998 and has produced 45,000+ troy ounces of Welsh gold since 1884. The mine, when open, was open to the public and provided guided tours which included the opportunity to pan for gold.

The mine closed because of Health and Safety issues and because of changing pollution control legislation which would have made the owners liable for the quality of the mine discharge into the River Mawddach had the mine remained open.

Gold Mines In Scotland

In 1984 a gold bearing quartz vein was discovered by the Irish firm Ennex International on the lower south eastern slopes of Beinn Chùirn just above Cononish Farm at Eas Anie. The company spent over £250,000 doing test drillings and were hopeful that the mine would be very productive. The gold, which is the most important deposit found in Scotland so far, occurs as minute particles inside Pyrite and Galena which in turn occur in the quartz vein. Despite claims that there are up to a million tonnes of ore present on the site which could produce five tonnes of gold and about 25 tonnes of silver, the location was only developed briefly as a mine in the 1990s.

In 1994, The Caledonian Mining Company acquired the mine with the intention of putting it into production, however the falling price of gold meant that such a small mine was uneconomic at the time. Higher gold prices in 2007 have led to renewed activity with Scotgold Resources purchasing the mine and applying to extend the lease and start mining again within two years, for a period of eight years. Permission to mine is yet to be granted by the Crown Estate who owns the rights to all gold in the UK and by the Loch Lomond and the Trossachs National Park.

Permission

Before panning anywhere you need to make sure you have the permission of the landowner (preferably in writing), but be careful, it is the owner of the riverbank whose permission you need, not the owner of the surrounding arable or pasture land. The mineral rights to the area may even belong to someone completely different to the landowner, so you really do need to take care.

Environmental Issues and Impact

Another area with many pitfalls. You need to ensure that your gold panning activities won't have an adverse effect on the local environment or you could find yourself being prosecuted Environment Agency, if you have any doubts or questions about an area you wish to pan contact them and ask them where you stand.

Calling All Gold Panners!

Are you a goldpanner in the UK? Do you you have a story to tell or do you want to share your experiences? email us we would love to hear from you!

UK Gold Panning Links

The Scottish Goldprospectors
Kit Andrews' Gold Prospecting blog, Kit is a UK based prospector with 30 years experience.

Other sources of precious metals in the UK

Silver has also been mined commercially in the UK, one mine on the island of Sark produced more than 25,000 ounces of silver:

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