Injury Law Specialists

England & Wales

Solicitors for Care & Assistance

When an injury means you cannot manage the things you used to take for granted, someone usually steps in. It might be a partner doing the cooking and cleaning, a parent helping a child, or a neighbour running errands. That help has a value, and it is recoverable as part of a personal injury claim even though no money changed hands. Our solicitors explain how care and assistance works and what evidence supports it.

We act for clients throughout England and Wales, from those who needed a few weeks of help around the home to families coping with a lifetime of care after a serious injury. In the most serious cases, this is the largest single element of the claim.

  • Free initial claim assessment
  • No Win, No Fee may be available
  • Clients throughout England & Wales
  • 30+ years' collective legal experience

Can I claim for care and assistance after an accident?

Yes, where the injury has left you needing help you would not otherwise have required. Care and assistance is a form of special damages, which means it compensates for the cost the injury has placed on you rather than for the injury itself. It can cover care already provided and care you are likely to need in future. What matters is that the help was reasonably necessary because of the injury, and that the need is supported by evidence.

This is the head of loss that families most often do not claim, and usually because they do not realise it exists. Care given by a husband, wife, partner, parent or adult child is easy to think of as just something families do. The law takes a different view. If that help was needed because of the injury, and it would otherwise have had to be paid for, it has a value that can be recovered.

It is worth being honest about the amount of help involved. People frequently under-report it, either because they feel awkward claiming for what a relative did, or because they simply did not count the hours. A realistic record is not greedy. It is what allows the claim to reflect what actually happened, and insurers expect to see it set out properly.

Key takeaways

  • Care and assistance is special damages, compensating for the help the injury has made necessary rather than for the injury itself.
  • Care provided by family members can be claimed even where no money changed hands, valued at what a professional carer would have charged.
  • It covers a wide range of help, from personal care and household tasks to driving, gardening and childcare.
  • Future care is often the largest element of a serious injury claim and is calculated from expert evidence on what is reasonably required.
  • The team has 30+ years' collective legal experience in personal injury work across England and Wales.
  • Legal services are provided by MB Solicitors, trading name of MB Legal Solicitors Ltd, regulated by the SRA under SRA ID 8000764.

What counts as care and assistance

The help that can be claimed is broader than personal care. Anything you can no longer do for yourself, or can only do with difficulty or pain, is worth looking at.

Personal care

Help with washing, dressing, bathing and personal tasks that you previously managed yourself without thinking about it.

Household tasks

Cooking, cleaning, laundry, ironing, shopping and general housework that you can no longer manage, or can only manage in stages.

Gardening and DIY

Outdoor jobs and repairs that the injury has made impossible, including the cost of paying someone else to do them.

Care of children

The additional help needed where a parent cannot care for their children as before, or where a seriously injured child needs more care than is usual.

Driving and errands

Lifts to appointments, school runs and errands where you can no longer drive or use public transport confidently.

Support and supervision

The presence and support a person needs where the injury means they cannot safely be left alone, or need prompting and encouragement.

One point that matters here. You do not need to have paid anyone. Where the help came from a family member, the claim reflects the value of what they did, assessed against what a professional carer would have charged. The fact that the care was given out of love rather than for money does not reduce what it is worth.

How care needs are assessed and proved

The evidence in a care claim works differently from most other heads of loss. Because the claim reflects the value of help rather than money you paid out, receipts are not the key document. What matters is a clear picture of what you cannot do, and of the help that was needed as a result.

That picture usually starts with a care expert. They assess your abilities, consider what help is reasonably necessary, and set out the care package in hours per week. Their report is what the value of the claim is calculated from. In serious cases the care expert may also consider how your needs are likely to change over time, which feeds directly into the claim for future care.

Alongside the expert evidence, a record kept by the person providing the care is enormously useful. A simple diary of what was done each day, how long it took and when it stopped being needed is far more persuasive than an estimate made a year later. It does not need to be elaborate. A few lines a day is enough.

Where care is expected to continue, the medical and care evidence needs to look forward as well. That is where future care, often the largest part of a serious injury claim, is built from. Where the injury is permanent, the calculation has to account for care over many years, which may bring in actuarial evidence on life expectancy. You can read more about how these longer term losses fit together in our page on serious injury solicitors.

Evidence that helps

  • The care expert's assessment
  • A diary kept by the carer
  • Medical evidence on what you cannot do
  • A note of when care started and ended
  • The hours of help provided each week
  • Invoices where paid care was used
  • Evidence of future care needs
  • Details of any care benefits received

Where care and assistance sits in the wider claim

Care and assistance forms part of the financial side of a claim, alongside lost earnings, treatment costs, equipment and travel. It is dealt with separately from the award for the injury itself.

General damages

The award for the injury itself and the effect on your life, known as pain, suffering and loss of amenity. Our page on pain, suffering and loss of amenity explains how that part is assessed.

Special damages

The award for money the injury has cost you, proved with evidence. Care and assistance sits here next to lost earnings, treatment and rehabilitation, equipment, and travel. In a serious injury it is often the largest element, because care continues for as long as the need does.

Where the injury has also affected your income, you may have a separate claim for loss of earnings compensation. For the full picture of what a claim can include, see our page on solicitors for personal injury compensation.

Care and assistance: frequently asked questions

Can I claim for care and assistance after an accident?

Yes, where the injury has left you needing help you would not otherwise have required. Care and assistance is a form of special damages, which means it compensates for the cost the injury has placed on you rather than for the injury itself. It can cover care already provided and care you are likely to need in future. What matters is that the help was reasonably necessary because of the injury, and that the need is supported by evidence.

Can I claim for care provided by my family?

Yes, and this is one of the most commonly claimed heads of loss. Where a family member has provided care, help around the house or personal assistance that you would otherwise have needed to pay a professional for, that care can be claimed even though no money changed hands. The value is usually assessed against what a professional carer would have charged for the same help, and it can cover help already given as well as help you will need going forward.

What kind of help counts as care and assistance?

It is wider than personal care alone. It can include help with washing and dressing, preparing meals, cleaning, laundry, shopping, gardening, driving to appointments, and caring for children where the injury has left you unable to manage as before. It also includes the additional care a seriously injured child may need, and the support a spouse or partner provides. Anything you can no longer do for yourself, or can only do with difficulty or pain, is worth looking at.

Do I need receipts to claim for care?

Not where the care was provided by family. Because the claim reflects the value of the help rather than money you paid out, receipts are not the evidence that matters. What matters is a clear record of what was done, by whom, and for how long, supported by the medical evidence that the help was needed. A simple diary kept by the person providing the care is often the most useful document in these claims.

What if I claimed benefits for care?

The position depends on the benefit. Some payments, such as certain care related benefits, are not deducted from this head of loss, while others are. It is important to tell your solicitor exactly what you receive, because the rules differ and getting it wrong can lead to an overstatement of the claim or an understatement of what you recover. This is a technical area where proper advice matters.

Can I claim for future care needs?

Yes, where the medical evidence supports that you will need care going forward. Future care is often the largest element of a serious injury claim, particularly where the injury is permanent. It is calculated from expert evidence setting out what care is reasonably required, how many hours per week, and for how long. Where the care is expected to continue for life, the calculation accounts for that duration and can require actuarial evidence on life expectancy.

Who assesses how much care I need?

Usually a care expert, sometimes called a care and occupational therapy expert. They assess what you can and cannot do, what help is reasonably necessary, and how that is likely to change. Their report sets out the care package in hours, which the claim is then calculated from. In serious cases the care expert may work alongside a case manager who coordinates the actual provision of care and rehabilitation.

Can I claim for the care my children needed while I recovered?

Yes, in appropriate cases. Where a parent is injured and unable to care for their children as they normally would, the additional care provided by a partner, grandparent or paid carer can form part of the claim. The same applies where a seriously injured child needs more care than a child of that age normally would. These losses are real and they are regularly claimed.

How is care and assistance valued?

It is worked out by reference to the commercial rate for the help provided, which is essentially what it would have cost to pay a professional carer to do the same work. The number of hours is established from the care evidence. For example, if a family member provided ten hours of help a week for six months, the claim reflects the cost of ten hours of care a week for that period at the appropriate rate. It is not the same as the carer's lost earnings unless those are claimed separately.

Can care and assistance be claimed under a No Win No Fee agreement?

Yes. Care and assistance is simply one element of the compensation, funded in the same way as the rest. Suitable claims may be accepted under a Conditional Fee Agreement, commonly called No Win No Fee, subject to an assessment of liability, the evidence and the prospects of success. If the claim succeeds, a success fee may be payable, and in many personal injury claims the legal cap is 25% of the relevant categories of damages including VAT.

The answers above explain the position generally. Every claim turns on its own facts, and the applicable rules are those in force at the relevant time. For advice on how long you have to bring a claim, see our page on personal injury claim time limits.

Who provides the legal services

Injury Law Specialists is a marketing and advertising platform and is not a law firm or a provider of regulated legal services. All personal injury legal advice, legal services, casework, representation, legal support, and any free initial assessment or consultation promoted or arranged through Injury Law Specialists are provided by MB Solicitors, a trading name of MB Legal Solicitors Ltd.

MB Legal Solicitors Ltd is a company registered in England and Wales under Company Number 12281731. The firm is authorised and regulated by the Solicitors Regulation Authority (SRA) under SRA ID 8000764 and is a member of The Law Society. Injury Law Specialists does not itself provide legal advice or carry out reserved legal activities. Any solicitor-client relationship arising from an enquiry will be directly between the client and MB Legal Solicitors Ltd.

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Relying on others since your accident?

Tell us what happened and a member of our team can explain whether you may have grounds to claim and how care needs are likely to be assessed in your case. The assessment is free, and there is no obligation to proceed.