I agree with you whole heartedly, these adverts drive me crackers. Now I've just been through the whole compensation thing. A circuit Judge drove through a red light and hit the bus I was driving with his nice big bmw x5. The upshot for me was a spinal injury so bad that I can no longer pass the medical to keep the bus driving licence. Even so if he'd been prosecuted for careless driving I'd have been content.
But he wasn't, even though there was cctv on the street junction that showed him jumping the light, cctv in my bus that showed me letting the handbrake of and moving forward after my light turned green, witnesses from the surrounding businesses, people on my bus and a van load of police who were behind me in the traffic I still got a letter from the cps saying that due to a lack of independent evidence they would not be looking for a conviction. Yer right, nothing to do with the guy being a Judge then:evil:
So I went for the compensation. I figured if the courts weren't going to make him pay than I would make sure he felt it when he had to pay for his next car insurance.
What really gets me mad is the way the adverts make it look like everyone gets their cheque with in a couple of weeks when it's actually more like 2 or 3 years.
For the lady who had the waxing injury, I am so sorry that happened to you, but I have to tell you, whilst the law does not require a waxing qualification, insurance companies do, so if she's unqualified she's also uninsured. You could however take her through the small claims court because she does fall under the law that says she has a duty of care towards a paying customer and by causing you injury she is in breach of this.