We normally forget our own role when we submit any kind of claim. I have seen people just relying on the reps of insurance companies and ultimately get very less payment. At times their payment is delayed for many days. Conditions for personal injury claim are not that difficult to be met. There are guide lines which if followed can greatly help. These are must visit doctor and get a medical certificate for your injury. If you can not follow the claim then get your self a solicitor who can deal with the insurance company rep and complete your documents. Most importantly meet the dead line for submission of claim.