Accident claim? - long post

cyclonebri1

Have you got a home insurance policy in your or your families name?

They are normally sold alongside home and contents policies under the term "family legal protection". They normally cover all the family registered at your address.

They cover all sorts of issues, legal disputes, work related issues and compensation claims. Check if you have this and even if you don't, at less than £20 per year could be good for the future. :money:

superpup

I only have contents insurance, I don't think I have any added extras with it. Sounds like it might be a good idea to look at it for the future. It sounds relatively inexpensive for the piece of mind.

thanks

Gordon861

The first question has to be 'How good a friend is the driver?'.

Also are you after compensation or cover for the medical bills?

You will probably find that due to leaving it a year before trying to get full movement back you may never get it. It's a shame you hadn't seen a sports physio earlier, hospitals and GPs always tell you to rest and don't move it, a sports physio will tell you to try and keep the joints flexible. Any injury that has been able to heal up without being put under strain for the last year is going to hurt as you try and get full movement back.

superpup

Gordon861 wrote: »

The first question has to be 'How good a friend is the driver?'.

The driver is a good friend and he gave me his insurance details at the time of the accident in case I wanted to claim.

Also are you after compensation or cover for the medical bills?

I hadn't really thought any further than not being out of pocket to be honest.

You will probably find that due to leaving it a year before trying to get full movement back you may never get it. It's a shame you hadn't seen a sports physio earlier, hospitals and GPs always tell you to rest and don't move it, a sports physio will tell you to try and keep the joints flexible. Any injury that has been able to heal up without being put under strain for the last year is going to hurt as you try and get full movement back.

This is worrying. The physio did give me stretches to do which I did keep up for well over a month after seeing her but it didn't seem to be improving it any further and as it wasn't affecting anything I did massively, I suppose I just stopped. Maybe I should have kept them going for longer.

thanks Gordon

RedBern

don't get downhearted about this. Make a list of what you're not happy with - lifting above a certain height, etc. Go back to your GP and ask for a referral for physio, or to a consultant that could do a review and find out what the problem is, and whether it is a 'matter of time' job or whether you need further investigation/treatment. Contact the insurers, sit back, and wait and see what happens.

superpup

RedBern wrote: »

don't get downhearted about this. Make a list of what you're not happy with - lifting above a certain height, etc. Go back to your GP and ask for a referral for physio, or to a consultant that could do a review and find out what the problem is, and whether it is a 'matter of time' job or whether you need further investigation/treatment. Contact the insurers, sit back, and wait and see what happens.

Thanks RedBern, I'm just kicking myself now for not doing something about it sooner but I just tend to get on with stuff.

I have made an appointment with my doctor for next week and I've emailed a local solicitor to see whether they think it's worth me starting a claim.

Quentin

Gordon861 wrote: »

The first question has to be 'How good a friend is the driver?'

Why?

Makes no difference what the relationship is to the driver - it's the driver's insurance company that will be dealing with this (it should be all part of the original claim from the incident).

Gordon861

The relationship with the driver may mean you don't want to hit their premiums with a potentially large injury claim, they may offer to cover the medical costs themselves to avoid the future insurance costs. Also you don't want a friend to get suprised by a sudden injury claim out of the blue, but that's not important because they gave the details incase she wanted to claim. It's worth letting him know asap though as he should inform his insurance company that a claim may be made, you might not even need to through a solicitor to deal with the claim (but I doubt it).

I would keep up the stretches they won't do you any harm, but I would also try and see a proper physio asap. A GP referrel will probably take 2-3 months though.

cyclonebri1

Quentin wrote: »

Why?

Makes no difference what the relationship is to the driver - it's the driver's insurance company that will be dealing with this (it should be all part of the original claim from the incident).

Quentin, good point and one I was going to make before I read yours.

It's not a personnel thing, and any friend who knows you've suffered as a result of their fault, assuming it was that, will have no problem with you claiming. Thats what insurance is for, to indemnify the user against .........., you get my point I'm sure?

superpup

I will speak to him before the event if I do decide to proceed with a claim. I don't think he's still with the same insurer as he was without a policy for a while as his car was a write off and it was some time before he replaced it as I don't think he was fully comp.

He's certainly not in a position to cover any costs himself as he's been out of work for a while and only just back in another job and I wouldn't ask him anyway as I don't hold him responsible. It was just one of those things.