Car accident

Bossyboots

I must admit to being very confused now. Everything said here is correct and it does seem to defy logic to pay for the repairs when there is no need to. Paying the excess on the credit card seems the simplest solution.

Wig, Becles will also be missing out on the guarantee that comes with insurer approved repairs as well what you have pointed out do you think?

I agree that there is clearly a personal injury claim here as well which the assistance company should be able to put into action. The value of such a claim will be diminished though by continuing to undertake the activities mentioned. Not only that, but the injury should be checked out. I have been quite shocked at how my whiplash has developed and the assortment of symptoms it has caused.

Wig

I guess it is easier to have a problem repair remedied if it was an insurance arranged repair. If you have a repair done arranged by yourself, you will still have statutory rights. It just might be harder if the garage does not agree about your problem with the repair.

And if when picking up the car after repair if you are not happy with it you must not sign to say you are satisfied, again this would go smoother if the customer was the insurance company rather than just yourself acting alone.

Re: the injury the, assistance company should have arranged an appointment with a private doctor by now, or reccommended a visit to the hospital or GP.

Needs must I suppose, but carrying on lifting is not going to help the claim. and they needn't find out anyway. (actually there is a school of thought that the only way to repair a back injury is to work through it not rest it.)

Bossyboots

Wig wrote:

I guess it is easier to have a problem repair remedied if it was an insurance arranged repair. If you have a repair done arranged by yourself, you will still have statutory rights. It just might be harder if the garage does not agree about your problem with the repair.

And if when picking up the car after repair if you are not happy with it you must not sign to say you are satisfied, again this would go smoother if the customer was the insurance company rather than just yourself acting alone.

Re: the injury the, assistance company should have arranged an appointment with a private doctor by now, or reccommended a visit to the hospital or GP.

Needs must I suppose, but carrying on lifting is not going to help the claim. and they needn't find out anyway. (actually there is a school of thought that the only way to repair a back injury is to work through it not rest it.)

Not sure when you heard the school of thought but I was told the opposite. This week is the first time my house has had a proper clean for four months!!! What I was told was not to lift anything or do anything that put a strain on my back, but not to be immobile. At one stage I was having my back manipulated at physio every week because I tried to do too much. I learnt my lesson the week it went into spasm and since then have built back up gradually to my normal activities (still not there yet though). I was given exercises to do for my back, but lifting was a definite no, no.

I am still waiting for an appointment for a medical assessment but my GP and physio have recorded my injuries.

Becles

I have some physio and accupuncture on my back. At the moment I'm on twice weekly sessions as it's so painful. This is private treatment as my GP refused to refer me until after Christmas, and then I'd be at the mercy of NHS waiting lists.

He said not to do too much and not to do any lifting. However this week, I'm supposed to be building promotional stands in supermarkets and filling them with packs of beer. I'm a single mother, so cannot afford not to work as we'd have no money coming in (I'm not entitled to SSP), but I'm also scared of causing more damage to my back. So far I've managed to get store staff to help me though, so it's not as bad as doing the whole job by myself.

Bossyboots

Becles wrote:

I have some physio and accupuncture on my back. At the moment I'm on twice weekly sessions as it's so painful. This is private treatment as my GP refused to refer me until after Christmas, and then I'd be at the mercy of NHS waiting lists.

He said not to do too much and not to do any lifting. However this week, I'm supposed to be building promotional stands in supermarkets and filling them with packs of beer. I'm a single mother, so cannot afford not to work as we'd have no money coming in (I'm not entitled to SSP), but I'm also scared of causing more damage to my back. So far I've managed to get store staff to help me though, so it's not as bad as doing the whole job by myself.

My GP offered to refer me after a week and insisted on doing so after the second week when things had not improved.

The physio department at our local hospital give priority to accident patients on the basis that if they start treatment within six weeks of the accident then the recovery time is shorter.

You can claim the costs of the physio, the travel to and from sessions and loss of earnings from the insurers of the other driver.

bbruce

Becles,
My comments were not meant to be kind or rude (which they might be bordering on) but to shake you into reality.
You've been thanked far more times than me so you must have given lots of good advice to others.
My point is you'd be well advised to take the advice already given by the many contributors here - its excellent - I can't add to it.
By capitulating, you're letting those !!!!!! farmers put one over on you and will be hundreds (maybe thousands) of pounds out of pocket. Think how many days would you have to build promotional stands in supermarkets with a bad back and fill them with packs of beer to line their pockets which are probably far fuller than yours?
Being self-employed, I've tried to work with a bad back so I know what you're going through. I've also been rear - ended and had to go through hoops to get justice.
Being a Taurean, I'm supposed to be stubborn and would get vicarious pleasure if you got your just desserts.