MIB Claim - offer low?

Colcut

Hi,
Small background > /showthread.php?t=3095518

So I've been offered £700 total for my 7 week whiplash injury by the M.I.B, my no win no fee lawyers have stated that the offer is too low and should be rejected, they have also stated that I should "attend a medical appointment with an independent expert"

Now the letter also states that 'if I(lawyers) lose my case in court, I would be responsible for the defendant's legal costs" further more it states that they have taken an 'after the event' policy which would cover costs at court should I fail to receive a better offer.

So questions;

If I do reject this offer, and attend the medical appointment, should the compensation increase or would a judge just reject it? estimate?

The thing I'm worried about is the medical appointment, obviously this occurred last year in June and my injury lasted 7 weeks for the most part, how are they going to test me for past injuries?

Please advise me!

adamc260

Not to be rude but be glad your getting something if the TP was untraceable ...

Colcut

I am glad - however it will not cover my future losses due to insurance premium increases.
Over the next few years this will affect my premium probably for an additional £500.
This is why I wanted at least £1200 then I'll break even.
also..
I've had to explain this to countless people who are just saying 'money grabbing scum', the injury was a massive pain in the neck for ages and everyone makes me feel like the bad guy.

adamc260

Colcut wrote: »

I am glad - however it will not cover my future losses due to insurance premium increases.
Over the next few years this will affect my premium probably for an additional £500.
This is why I wanted at least £1200 then I'll break even.
also..
I've had to explain this to countless people who are just saying 'money grabbing scum', the injury was a massive pain in the neck for ages and everyone makes me feel like the bad guy.

I'm not saying your not injured or that your a bad guy... im just saying it may be worth considering that something... even if its less than what it should be.. is better than nothing considering the circumstances. I do hope something gets sorted for you soon though. Quite frankly a 'no win no fee' lawyer is hardly helping the situation when your claiming from a fund sponsored by Insurers. All the solicitor is doing is creaming off the situation and doing very little, sending a few letters and ringing a few people and the shocking thing is they'll probably do better out of this than you

tifo

£700 for 7 weeks is a good offer.

Most people get £2500 for a 10-12 month whiplash claim (48-52 weeks) so £100 per week for you is good, considering it's MIB.

alistair.long

Hi,
I understand that what you are saying is that you have a Solicitor have not given you a medical and the MIB have given you a offer of £700.

This may be a low offer but I dont want to argue with that as I am not the judge, however it is low enough offer to prevent the solicitors from claiming costs from the MIB.

If I was you (bases that you have not had a medical) then accept the £700 offer and your solicitor can not take more then £80 for costs, doesnt matter if the claim goes longer. You may need to demand the solicitor pay you the £700 and they will get the £80 from MIB.
The reason why I say that is because you will goto a medical and the doctor will recall your medical records and base his decision on it, and give it back to your solicitor.
A LOT MORE STRESSFULL FOR £1000- £??

Scooby_Doo.

Colcut wrote: »

Hi,
Small background > /showthread.php?t=3095518

So I've been offered £700 total for my 7 week whiplash injury by the M.I.B, my no win no fee lawyers have stated that the offer is too low and should be rejected, they have also stated that I should "attend a medical appointment with an independent expert"

Now the letter also states that 'if I(lawyers) lose my case in court, I would be responsible for the defendant's legal costs" further more it states that they have taken an 'after the event' policy which would cover costs at court should I fail to receive a better offer.

So questions;

If I do reject this offer, and attend the medical appointment, should the compensation increase or would a judge just reject it? estimate?

The thing I'm worried about is the medical appointment, obviously this occurred last year in June and my injury lasted 7 weeks for the most part, how are they going to test me for past injuries?

Please advise me!

Have you recovered from your injuries or not?

If so why haven't you seen an expert yet?

To be honest your solicitor doesn't sound much cop.

adamc260

Scooby_Doo. wrote: »

Have you recovered from your injuries or not?

If so why haven't you seen an expert yet?

To be honest your solicitor doesn't sound much cop.

They sound like an ambulance chaser firm that push you towards whatever gets their costs higher (not saying this case isnt genuine btw)

hcb42

Colcut wrote: »

Over the next few years this will affect my premium probably for an additional £500.
This is why I wanted at least £1200 then I'll break even.
also..
.

not sure this is justification..

vaio

unless of course you subscribe to the old fashioned view that a not at fault driver should not be out of pocket and should, as far as is possible, be put back in the position he would have been in had the accident not happened.

OP.... I'm firmly of the opinion that, provided you mitigate and document, then increased insurance premiums as a result of a non fault accident are consequential costs that can be recovered from the third party same as car hire & loss of earnings etc.

Colcut

Scooby Doo.:
I have fully recovered from the injuries, it was a 7 week injury and after then the pain slowly reduced so I could look around/move more.
I went to AnE and they stated it was probably whiplash however I would need to see a GP, the GP then diagnosed Whiplash - in my opinion that is an 'expert'.

adamc260:
The lawyers have been useful as they manage all the sending of documents so I don't really have to do anything but I agree they aren't doing much.

alistair.long:
where are you getting this £80 from?

hcb42:
I think it is, my insurance is already sky high because I'm 20/male/student and I get judged on this hit and run scum.

vaio:
'old fashioned' view, I'm not going to argue but I don't think someone not at fault should be at a loss financially at all.


Going by this thread, then perhaps I should accept the offer and just be done with it, who knows next year it might not affect it that much...
Just enrages me that I have to pay loads because of someone else, currently I pay £1100 a year for insurance, if this hadn't happened I would be paying £800.
At least university is over, now I can switch to full time for the summer and hopefully recover the loss with overtime.