Structuring tool, not legal advice. Ratio helps you prepare — your notes stay private and a solicitor gives the advice.
Workplace, road, or public-space injury. We structure your medical record, how the injury links to what caused it, and the three-year deadline — so a solicitor can take on the claim without re-interviewing you.
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Free and confidential. No legal knowledge needed.
The most common injury issues people bring to Ratio.
Composite cases drawn from common injury matters. Names changed; facts representative.
Hit while stationary at traffic lights. Soft-tissue injury and two weeks off work; insurer disputed severity.
OutcomeMedical notes, dashcam stills, wage slips and a day-by-day pain diary assembled into a PI pre-action letter.
Slipped on untreated external stairs at a supermarket; fractured wrist. No hazard signage, no grit.
OutcomeCCTV request letter drafted alongside incident report and hospital notes for an occupiers’-liability claim.
Pallet collapsed due to untrained forklift operator. Six weeks off with a herniated disc.
OutcomeRIDDOR report, training records and witness statements structured into a negligence-ready bundle.
1–2 hours at first appointment
15 minutes of preparation
The statutes, limitation periods, evidence, and pathway you need to know.
3-year limitation period
RTA liability and insurance
Workplace injury insurance
Duty of care on premises
Obtain medical records and independent medical report
Formal notification to defendant per Pre-Action Protocol
Defendant investigates and responds
Attempt settlement based on medical evidence and liability
File court claim if no settlement reached
Case heard if no settlement at any stage
Knowing the common defences lets you collect the right evidence early.
Defendant may argue the claimant's own actions contributed to the injury
How to answerEvidence of safety measures taken, witness statements about the incident
PI claims must be brought within 3 years of the date of knowledge
How to answerMedical records showing when the injury or its cause was first known
Defendant may argue they had no legal obligation to the claimant
How to answerEvidence of the relationship and circumstances creating a duty (employer, occupier, road user)
Talk to The Usher, or jump straight into structured intake.
Ratio asks plain-language questions in the right order. At the end you get a matter file with your facts, parties, timeline, evidence, and the legal framework — ready to take to a solicitor. It is not legal advice.
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Free and confidential. No legal knowledge needed.
Not necessarily, but the framing matters. Ratio helps you organise what was said so it can be contextualised later by a solicitor.
Under Limitation Act 1980 s.14, it’s when you knew (or reasonably should have known) the injury was significant and attributable to the defendant’s act. Ratio walks you through it.
Yes, where medically diagnosed. PTSD, anxiety disorders, and adjustment disorders are recognised. Medical evidence is decisive.
Usually — but a success fee and an After-the-Event (ATE) insurance premium normally come out of your damages. Ratio’s matter file lets you compare Conditional Fee Agreement (CFA) offers cleanly.
For road traffic accidents, the Motor Insurers’ Bureau covers uninsured and untraced drivers. For other injuries, we help you identify the correct defendant (employer, occupier, manufacturer).
Free to begin. No account required. Most clients complete their file in about 14 minutes.
Or pick one:
Free and confidential. No legal knowledge needed.
Safeguarding support is built in — if something urgent comes up we flag free help (Shelter, Samaritans, 999) before anything else.