Areas of Practice

Personal Injury

Someone was hurt, and the question is who is answerable for it.

Where to start

Injured people, and the insurers on the other side

In short

  • For people who have been hurt, and for the insurers who defend claims. Never both sides of the same claim.
  • Duty, breach and causation: the three questions a claim turns on, asked in that order.
  • Most of the evidence exists in the days after the accident, and recorded footage can be gone within a week.

This section is for someone who has been hurt and is trying to work out whether anything can be done about it. The firm acts for injured people, and it also acts for insurers: insurance companies instruct Andreas Kleanthous to defend claims in court, and he equally acts for injured people pursuing what they are owed. We do not act on both sides of the same claim, and a conflict check is run before anything else happens.

Acting for both sides across the practice is deliberate. It means we know how a file is assessed by the people who will be assessing yours.

A claim of this kind turns on three questions, and they are asked in the same order whatever the accident was. Did somebody owe you a duty to take care? Did they fall below it? Did that failure cause the injury, rather than simply happen before it? An accident having occurred is not by itself an answer to any of them.

The answers come from evidence, and most of the evidence that decides a personal injury claim exists in the days immediately after the accident. Very little of it improves with time. Some of it, recorded footage in particular, is gone within a week because the system that holds it records over itself.

  • Accidents on construction sites and at work
  • Road traffic accidents, and dealing with the insurer on the other side
  • Accidents in shops, hotels, communal areas and other public and private places
  • Medical negligence, where the question is whether treatment fell below the standard required and whether that caused the harm
  • Injuries to visitors to Cyprus, and to people resident here who are injured abroad
  • Defending claims, and advising insurers on liability and quantum

Where a person has died as a result of an accident, different questions arise about who may bring a claim and what such a claim covers. Those questions are not dealt with on these pages. Write to us instead.

What to send us in a first enquiry

The facts first: the date the accident happened, three or four sentences on what happened, and the name of the employer, occupier or driver, so we can run a conflict check. Tell us the date first, because it decides how much time there is.

Once we confirm we can act: any document you already hold, such as an accident or police report, a photograph, and the first medical note or discharge letter. If you do not have any of that, say so.

By what happened

If you were injured and someone else was at fault, send us the date, the place and any report at office@kleanthousplatis.com, or the enquiry form. We reply within one business day.

What a claim has to establish

Fault, cause and consequence

The three are separate. A claim can fail on any one of them while the other two are plain.

Fault

The wrong itself is negligence, an actionable civil wrong under section 51 of the Civil Wrongs Law, Cap. 148, which describes it as doing an act which in the circumstances a reasonable prudent person would not do, or failing to do an act which such a person would do, and the failure to use the skill or take the care that person would use. Two further sections of the same Law decide what a claim is worth once fault is established. Under section 57, where a person suffers damage partly through their own fault and partly through the fault of another, the claim is not defeated: the damages are reduced to the extent the court thinks just, having regard to that person's share in the responsibility. And under section 65, in computing damages no account is taken of any sum paid or payable under a contract of insurance in respect of the wrong, nor of any sum paid or payable by the Social Insurance Fund as a benefit or allowance in consequence of the same circumstances: receiving sickness benefit or an insurance payment while you recover does not come off the claim.

One further section is worth knowing because it is a complete answer rather than a reduction. Section 59 makes it a defence that the claimant knew and appreciated, or must be taken to have known and appreciated, the state of affairs causing the damage and voluntarily exposed themselves or their property to it. Two provisos limit it. It does not apply where the wrong consisted of the failure to perform a duty imposed on the defendant by any enactment, which covers a great many workplace and building cases. And a child who has not completed their twelfth year is not to be regarded as capable of knowing or appreciating such a state of affairs, or of voluntarily exposing themselves or their property to it, so the defence is not open against a younger child at all.

The question is not whether an accident happened but whether the person you are blaming fell below the standard of care the law required of them in that situation. Who that person is differs completely between a building site, a road and an operating theatre, which is why each of the pages above answers it separately.

Cause

The failure has to have caused the injury rather than merely preceded it. This is where claims are most often lost, and it is decided on medical evidence rather than on the account of the accident.

Consequence

The injury has to be capable of being valued. In practice that means the medical position has to be understood well enough to say whether the injury is resolving or permanent, together with the documented financial effect. A claim valued before the medical position is settled is valued on incomplete information.

The firm's own guide, Personal Injury Claims in Cyprus: Liability, Evidence and Damages, sets out how these three are approached and what the heads of loss usually examined are.

Time limits

A claim for damages for personal injury must generally be brought within three years under the Limitation of Actions Law 66(I)/2012. Ordinary contract claims have six years under section 7(1), so this period is half as long. Section 27Α of the same Law suspends the limitation period for negligence and breach of statutory duty for thirty nine months from the day the 2021 amending law came into force, so the three years is not by itself the answer to whether a claim is in time.

Two provisions of that Law matter more than the bare period, and neither is widely known. Under section 6(2) the three years run from the day the cause of action was complete, or from the day the injured person came to know of the injury where that was later. And under section 6(3) the court has a discretion, in a claim for bodily injury or death, to decide that the limitation provisions do not apply at all, weighing the reasons for the delay, how long the injured person was unable to deal with the case, the effort made to obtain the necessary material, the defendant's response to that effort, and what the delay has done to the evidence. That discretion is bounded: it cannot be exercised more than two years after the period expired. It is a reason to ask rather than to assume the door has closed, and not a second chance to rely on.

Time usually runs from the date of the injury. There are exceptions, and different rules can apply where the injured person was a child at the time or where the damage became apparent only later. Whether any of them applies to you is a question to put to a lawyer while there is still time to act on the answer, not once the period has run.

Because the period is short and the evidence perishes quickly, delay costs more here than in almost any other civil claim.

How a matter runs

From first contact to implementation

Every matter is different, but the route is broadly the same. Knowing it in advance makes the cost and the timetable easier to judge.

01

First contact and conflict check

02

The date of the accident, a short account of it, and whatever documents and medical records already exist

03

Engagement and fee agreement in writing before any work begins

04

Assessment of liability, of the limitation position, and of what still has to be established

05

Medical evidence, then negotiation with the other side or its insurer

06

Proceedings and trial where a settlement is not the right outcome, then implementation of the agreed terms

Questions we are asked

How long do I have to bring a claim?

Personal injury claims must generally be brought within three years under section 6(2) of the Limitation of Actions Law 66(I)/2012, running from the day the cause of action was complete or from the day the injured person came to know of the injury where that was later. That is half the period allowed for ordinary contract claims, which is why the date of the accident is the first thing we ask for. Where the three years have passed, section 6(3) gives the court a discretion to disapply the limitation provisions in a claim for injury or death, and it cannot be exercised more than two years after the period expired. If three years is close, or has passed, say so before anything else. Section 27Α of the same Law suspends the limitation period for negligence and breach of statutory duty for thirty nine months from the day the 2021 amending law came into force, so the three years is not by itself the answer to whether a claim is in time.

The accident was partly my own fault. Is there any point?

Usually there is. Where an injured person contributed to their own injury, the ordinary approach is that the claim is not defeated but the award is reduced to reflect that share of responsibility. How a court would apportion it in a particular case is a matter for evidence, and nobody can tell you the proportion at the first meeting.

Should I accept what the insurer has offered?

Not before the medical position is understood. An early offer is made at the point when least is known about the injury, which is precisely when settling is least advisable. It is not evidence of what the claim is worth. Take advice on it before you sign anything, including anything described as a receipt or a discharge. Those documents are contracts. A receipt, a discharge and a settlement agreement bind you once they satisfy section 10 of the Contract Law, Cap. 149, and they are set aside only on the grounds that Law itself provides: coercion under section 15, undue influence under section 16, fraud under section 17, misrepresentation under section 18, and common mistake as to a material fact under section 21. That the sum was low is not by itself one of them, although section 25(3) allows the court to take the inadequacy of consideration into account in deciding whether consent was freely given.

You act for insurers as well. Is that a conflict?

Not in your matter. The prohibition on the same advocate supporting parties with conflicting interests belongs to the professional and ethical rules governing practice, and the Advocates Law, Cap. 2, names it expressly in section 14N(1), which requires compliance with the provisions concerning, among other things, "the prohibition on the same advocate supporting parties who have conflicting interests". We do not act on both sides of the same or a related claim, and a conflict check is run before anything else happens. Acting for both sides across the practice, in separate and unrelated matters, is deliberate: it means we know how a file is assessed by the people who will be assessing yours.

I have not seen a doctor yet. Does that matter?

Yes, and more than most people expect. A gap between the accident and the first medical attendance is the point most often taken against an injured person, because it invites the argument that the injury came from something else. The first medical record made after an accident does work that no later report can do.

What heads of loss does a claim actually cover?

The heads usually in issue are set out in the firm's guide to compensation heads: pain and suffering, loss of earnings already suffered and in the future, loss of earning capacity, medical, hospital and rehabilitation costs, and other documented expenses. Special damages have to be pleaded specifically and proved strictly. What the claim is worth turns on the medical evidence and the documented loss, not on the kind of accident.

I receive sick pay or an insurance payment. Does it come off the claim?

No. Under section 65 of the Civil Wrongs Law, Cap. 148, in computing damages no account is taken of any sum paid or payable under a contract of insurance in respect of the wrong, nor of any sum paid or payable by the Social Insurance Fund as a benefit or allowance in consequence of the same circumstances. Receiving a benefit while you recover does not reduce the claim, and it is not a reason to delay taking advice.

The injured person is a child. Is anything different?

Ask about the limitation position and about who brings the claim before you do anything else, and take neither for granted. One rule is worth knowing: under the second proviso to section 59 of Cap. 148, a child who has not completed their twelfth year is not to be regarded as capable of knowing or appreciating a dangerous state of affairs, or of voluntarily exposing themselves to it, so the defence of voluntary assumption of risk is not open against a younger child at all. Collect the same evidence as in any other claim: photographs, the record of the incident and the medical notes.

The accident was fatal. What happens then?

It becomes a different claim, brought by the dependants. Under section 58 of Cap. 148, where a person is killed by a civil wrong that would have entitled them to sue had they lived, the person who would have been liable remains liable notwithstanding the death, and the action is brought for the benefit of the deceased's dependants. Section 58(3) defines who those are, regardless of age: the spouse, any parent or other ascendant, any person the deceased treated as a parent, and any child or other descendant. The period runs from the death rather than from the accident, and families are frequently told otherwise. Contact us directly with the dates and the documents you have.

Injury claims, by what happened and what follows

Every page we hold on personal injury in Cyprus, grouped by the kind of accident and by the stage the claim has reached.

Written on this subject5

By what happened5

All of the firm's writing is on the writing index. This section sits within Litigation & Arbitration. Related practice area: Construction. Στα ελληνικά.

Who leads this work

Between them the partners bring more than 40 years of practice in Cyprus. Every matter is run by one of them.

Andreas Kleanthous, advocate and partner at Kleanthous & Platis LLC

Andreas Kleanthous

Partner

Litigation, personal injury and insurance claims, debt recovery, administrative law, real estate, wills and probate.

Klitos Platis, advocate and partner at Kleanthous & Platis LLC

Klitos Platis

Partner

Litigation, corporate and commercial matters, property and construction, including pleadings, interim applications and trial preparation.

Discuss your matter

Tell us what happened, and when

The date of the accident, where it happened, and what injuries you have. If you have the police report, the accident book entry or the first medical note, say so and we will tell you which of them we need. We reply within one business day.

Contested work does not carry one honest figure, so it is priced by stage and each step is quoted before it is begun. A successful claimant generally recovers a contribution towards costs from the other side. How we charge.

Discuss your matter