1. Dabeet drove his car negligently. Owing to the fact he was texting whilst driving, he hit Caliana (aged 45) who was driving the car in front. Caliana was not wearing seatbelt at the time.

As a result of the crash, Caliana sustains deep lacerations to her face and severe injuries to her spine; these injuries were more severe than they otherwise would have been if she had worn her seatbelt.

Before the accident, Caliana worked as a marine biologist and was a keen swimmer. Due to her injuries, Caliana has severe mobility issues and permanent scarring to her face; she is afraid of leaving the house on account of her facial scars. Caliana will have to undergo a number of painful operations for her injuries; she has opted to receive private medical care in relation to these operations.

Caliana is now unable to care for her young daughter, and will be unable to work again in any capacity. Caliana's husband, Fadhl, has given up his job as a solicitor in order to care for his wife.

Before the accident, Caliana had a personal accident insurance policy (which she had paid for), which has paid out a large sum of money on account of her injuries.

On the basis of the above facts, explain and apply the principles that will be used to calculate the compensation payable by Dabeet.