Whiplash claim

catford

In october last year a lorry ran into the back of my car at a roundabout. The collision wrecked the tailgate and smashed the rear screen etc.
Details were exchanged and I phoned the owners who were prepared to pay for the damage without going through their insurers. They did, and sent me a cheque for an agreed amount.I was happy as the low value car would have been a write off.
After the accident I had neck and shoulder pain for a few days but didn't bother the doctors. Since then however, I have had increasing pins and needles in my arms and legs during the day, and it even wakes me up at nights.
Is it to late to lodge a claim for damages and do I need a solicitor?

BertTheRaccoon

yes, seek advice from a solicitor before going any further

InsideInsurance

catford wrote: »

Is it to late to lodge a claim for damages and do I need a solicitor?

You have 3 years from the date of knowing and so easily within the time limits.

Most would use a solicitor, especially if the other party is intending to settle privately

chanz4

doubt they will settle private for pi

spacey2012

You have not thought to seek a medical examination for the cause of these pins and Needles, but would rather just claim compensation.
Hmm not sure that adds up and no doubt the insurance company wont neither.

rs65

BertTheRaccoon wrote: »

yes, seek advice from a solicitor before going any further

I would seek advice from a doctor first.

chanz4

arms and legs could be the cold weather in your joints

weejonnie

I think a lot will depend on how the note enclosing the settlement cheque was couched. If it said "In full and final settlement of all claims arising out of....." then it will be much harder to obtain an additional settlement.

But you will lose nothing in trying.

LisaLou1982

Do you experience pain alongside the pins and needles? Is it there all the time or does it come and go?

Have you seen your doctor? Are you taking any medication? Ask for a referral to the pain clinic

InsideInsurance

chanz4 wrote: »

doubt they will settle private for pi

Its a lorry so potentially a fleet policy in which case (a) they may want to settle privately for a low value PI to avoid premium loadings and (b) if its a large company may well be a captured insurer or fully fronted etc so all goes to the company until it hits the excess layers anyway

forgotmyname

Have you informed your insurance of this incident? If you claiming from their insurance you will need to.

Before you get a letter from them saying they maybe charging you more or cancelling your policy for a failure to disclose important facts.

Accidents, Incidents even where no claim has been made.