Personal injury solicitors
Court-ready schedules of loss for complex multi-track claims, catastrophic injuries, and clinical negligence actions.
For legal firmsForensic financial quantum
Independent forensic accounting experts for personal injury and negligence quantum.
Personal Injury Accountant provides independent loss quantification for personal injury, clinical negligence, and fatal accident proceedings. Reports are prepared in accordance with CPR Part 35 and Practice Direction 35.
CPR Part 35 compliant reporting for personal injury proceedings.
Who we serve
Insurers and indemnity providers
Objective quantum analysis and rebuttal reports to value liabilities and respond to inflated claims.
For insurersBarristers and chambers
Financial modelling, counterfactual employment analysis, and support for joint statements and cross-examination.
For counselPrivate claimants
Structured mapping of lost earnings, benefits, and pension entitlements for high-value injury claims.
For individualsWhat a quantum report measures
Every head of loss is the same comparison: the position but for the injury against the position as it is.
Head of loss
But for the injury
Loss
As it is
Earnings
But for the injuryThe career as it was heading: salary progression, promotions, overtime and bonuses.
As it isActual earnings since the injury and the residual earning capacity the medical evidence supports.
Pension
But for the injuryAccrual to the planned retirement age on the but-for salary, with employer contributions.
As it isReduced accrual, early or ill-health retirement, and contributions that stopped.
Benefits
But for the injuryCompany car, health cover, share schemes and other benefits continuing.
As it isBenefits lost, reduced or replaced at the claimant's own cost.
Business income
But for the injuryProfit share and drawings on the pre-injury trend of the business.
As it isProfits after the injury, and the cost of paying others to do the claimant's work.
Dependency
But for the injuryWhat the deceased would have contributed to the household in money and services.
As it isWhat the household is left with.
The difference is the lossQuantified year by year, net of tax, and carried forward with Ogden Table multipliers.
Services
Seven core personal injury forensic accounting services.
Complex Past & Future Loss of Earnings
Granular calculation of historical unearned income and projected future career trajectory losses, including promotions, bonuses, and benefits.
complex loss of earnings expert analysis
High-Value & Public Sector Pension Loss Quantification
Precise evaluation of pension losses within NHS, Teachers, Police, Civil Service, Armed Forces, and corporate DB/DC schemes.
specialist public sector pension loss evaluations
Self-Employed & Business Owner Loss Mapping
Quantification of loss for entrepreneurs, equity partners, sole traders, and directors where business revenue and personal remuneration intertwine.
Self-Employed & Business Owner Loss Mapping
Fatal Accident Dependency & Financial Loss
Financial dependency modelling under the Fatal Accidents Act 1976, including lost services and pension inheritance.
Fatal Accident Dependency & Financial Loss
Clinical Negligence Financial Loss Quantum
Career disruption, unearned income projections, and pension adjustments aligned with medical expert evidence.
Clinical Negligence Financial Loss Quantum
Specialised Family Dependency & Care Schedules
Dependency calculations for complex family configurations, multi-generational support, and long-term care management expenses.
Specialised Family Dependency & Care Schedules
Single Joint Expert (SJE) Appointments
Court-mandated or mutually agreed SJE instructions delivering impartial, balanced financial evaluations to resolve quantum deadlocks.
Single Joint Expert neutral quantum appointmentsWhy specialist financial quantum matters
The value is in the nuance
Medical evidence establishes capacity; translating that into a multi-decade financial projection requires forensic accounting. Simple extrapolations rarely reflect the financial reality.
Employment and pension structures are non-linear
Career trajectories, company car benefits, self-employed income, and public sector pensions (NHS, Armed Forces, Civil Service) involve complex accrual. We model the underlying structure.
Withstanding judicial scrutiny
Schedules of loss must withstand cross-examination. Calculations are granular, transparent, and anchored in applicable legal precedents and Ogden Table methodology.
Practice areas
Catastrophic & Brain Injuries
Long-term lifetime loss modelling, variable care costs inflation, and fund management calculations for severe injury claims.
Lifetime loss modelling, care cost inflation, fund administration
Clinical Negligence Claims
Career path disruption tracking, multi-decade unearned income projections, and pension adjustments aligned with medical evidence.
Career disruption, unearned income projections, pension adjustments
Fatal Accident Actions
Statutory dependency calculations, lost services valuation, and multi-income household tracking under the Fatal Accidents Act 1976.
Dependency percentages, lost services, pension inheritance
Public Sector Employees
Deep analysis of NHS, Police, Fire, Civil Service, and Teachers' pension schemes and employment benefit structures.
NHS, Police, Fire, Civil Service, Teachers' pension schemes
Business Owners & Partners
Complex extraction of director remuneration, dividend structures, and lost corporate value for injured business owners.
Director remuneration, dividends, lost corporate value
Armed Forces Claims
AFCS regulations, core pension scheme interactions (AFPS 75, 05, 15), and specific allowance losses for service personnel.
AFCS, AFPS schemes, allowance losses
High-Net-Worth Claimants
Offshore structures, share option schemes, international tax implications, and complex investment portfolio losses.
Offshore structures, share options, international tax, investments
Industrial & Long-Term Illness
Accelerated ageing financial models, phased retirement trajectories, and historical earnings tracking for occupational claims.
Phased retirement, accelerated ageing models, historical earnings
Our process
- 01
Instruction received
Submit your instruction with medical, employment, pension, or company records via our secure intake.
- 02
Forensic analysis
Review of the counterfactual "but-for" scenario and actual career impact.
- 03
Methodological modelling
Formulation of earnings, net losses, pension variables, and Ogden Table multipliers.
- 04
Evidential delivery
A structured CPR Part 35 compliant report ready for service.
Frequently asked questions
- How is loss of earnings calculated for a self-employed claimant in a personal injury matter?
- For self-employed individuals, a forensic accountant reconstructs past loss and models future trajectory by examining historic net profit patterns, corporate tax returns (SA302), partnership accounts, and realistic growth trends. The quantification accounts for lost director salary extractions, net profit reductions within private corporate vehicles, and variable dividend streams, establishing a true baseline but-for scenario contrasted against post-accident capacity.
- What is a CPR Part 35 expert report in the context of personal injury financial quantum?
- A CPR Part 35 compliant expert accounting report is a formal, court-ready document designed to aid the judiciary on complex financial matters. In personal injury claims, it must include an unvarnished assessment of facts, detailed mathematical models, a statement of truth, reference to instructions, and full compliance with Civil Procedure Rules Part 35 and Practice Direction 35, highlighting that the expert's overriding duty remains to the court rather than the instructing legal team.
- How are the Ogden Tables applied by a forensic accountant to establish future loss?
- The Ogden Tables provide the actuarial foundation required to transform a net annual financial deficit (the multiplicand) into an accurate, court-approved lump-sum valuation (the multiplier). Forensic accountants isolate the baseline multiplier by referencing the claimant's age, gender, and the current UK statutory discount rate, before applying precise adjustments under Section A (Tables A to D) to accurately factor in employment, disability, and educational attainment variances.
- What parameters are assessed when calculating complex public sector pension loss?
- Evaluating public sector schemes (such as the NHS, Teachers, or Armed Forces pensions) requires modelling the exact loss of service accumulation, altered retirement dates, and missed career progression milestones caused by injury. Forensic accountants map these paths against the complex historical shifts from legacy Defined Benefit career-average models to contemporary career-average revalued earnings (CARE) systems, accurately incorporating adjustments for active vs. preserved status.
- What should instructing solicitors include when briefing a forensic accountant?
- A clear letter of instruction, pleadings and schedules of loss where available, primary financial records (payroll, tax returns, accounts, pension statements), medical evidence relevant to working capacity, and any opposing expert reports already served. Early disclosure of career history and retirement intentions helps avoid late assumption disputes.
Professional standards
CPR Part 35 compliance
Reports are prepared in accordance with CPR Part 35 and Practice Direction 35, with transparent methodology and a statement of truth.
Independent expert evidence
Our overriding duty is to the court. We provide impartial forensic accounting for claimant, defendant, and single joint expert appointments.
Need a financial quantum expert report?
Initial conflict checks and preliminary reviews are typically completed within 24 hours.