Personal Injury & Quantum Damages Expert Witness
Loss of earnings, pension loss, Ogden Tables, and fatal accident dependency for PI solicitors
Personal injury quantum experts - typically forensic accountants with APIL First Tier accreditation, ACA or FCA qualifications, and Fellow of the Expert Witness Institute membership - quantify the financial losses flowing from injury. This includes past and future loss of earnings on a net basis, pension loss using Ogden Tables, future care costs capitalised with the prescribed discount rate, and other special damages presented in a Schedule of Loss compliant with CPR Part 35.
Future loss of earnings is calculated using the multiplier/multiplicand method under the Ogden Tables, with adjustments for Smith v Manchester handicap awards, partial return to work, and retirement contingencies. Fatal accident claims under the Fatal Accidents Act 1976 require dependency calculations for spouses, children, and qualifying co-habitees, with multipliers applied from the date of death. Periodical payments orders may be modelled alongside lump sum awards where long-term care or earnings uncertainty warrants index-linked annual payments.
Solicitors instructing PI quantum experts should provide pre-accident financial records, medical reports on prognosis and employability, and pension scheme documentation early in the litigation. Early instruction allows robust Schedules of Loss to be exchanged before trial, supports Part 36 strategy, and ensures assumptions on life expectancy, discount rate, and contingencies are agreed or clearly disputed before joint expert meetings.
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Frequently Asked Questions
What does a personal injury quantum expert witness do?
A PI quantum expert witness - usually a forensic accountant - calculates the financial losses suffered by the claimant as a result of their injury. This covers past and future loss of earnings, pension loss, care costs, and other special damages, using the Ogden Tables and the prescribed discount rate to capitalise future losses.
What are the Ogden Tables and how are they used?
The Ogden Tables are actuarial tables published by the Government Actuary's Department, used to calculate the lump sum value of future losses in personal injury and fatal accident claims. They apply a multiplier (based on life expectancy and discount rate) to the annual multiplicand (the annual loss figure) to produce a present value for future pecuniary losses.
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