Please can you advise on the limitation for the amount of a personal claim for a road traffic accident.

Also the time limitation (I have been told this is 5 years - is this correct?)

I was in a road traffic accident in July 2003 in which my husband was killed and I was seriously injured.

My English Lawyers have assessed my loss of earnings as being a substantial amount but we are now being told there is a very low limit that can be claimed on the insurance of the 2 drivers involved (both have been sentanced and imprisoned).

I will lose my home if I do not receive compensation as I have been unable to work since the accident. On top of losing my husband this is unbearable.

What about moral losses? Scars, emotional damage etc.?

I am at my wits end as to how to put closure on this whole, horrible episode.

Any advice you can give would be appreciated.