Personal Injury Claim

tasticz

Should you accept a offer made by third party insurers without medical report

Third party insurers have replied to our lawyers saying they make an offer of £XXX - nearly 1k condition is doesn't go to medical and accepts to settle in full...

Can someone tell what complication this might have the lawyers acting for us have just said either she goes to medical and they can advise us further once they get the medical report or she accepts the offer and its the end of it.

thanks

Quentin

The "complication" if she accepts the offer is that if her condition gets worse then she cannot go back for more.

InsideInsurance

If its under £1,000 then its also excludes any legal fees being payable and so she'd need to check with her solicitors what the consequences of this is.

What are her solicitors advising her to do?

Has she recovered or does she still have residual effects?

chanz4

Is it whip cash , or real .

Mrs_Optimist

A word of warning - a colleague's husband has just settled a claim at £115,000 - he was originally offered £1000 by the insurers without medical evidence. He thankfully had the sense to get Solicitors advice rather than trusting the insurer (after all they are hardly likely to be impartial are they). This was an accident at work which has resulted in surgery and restricted employment in the future. My advice would always be to seek proper medical evidence via a report. The only one with anything to gain is the insurers - they wont give a jot if the injury turns out to be worse than first thought as the payment is always made in full and final settlement.

tasticz

Quentin wrote: »

The "complication" if she accepts the offer is that if her condition gets worse then she cannot go back for more.

InsideInsurance wrote: »

If its under £1,000 then its also excludes any legal fees being payable and so she'd need to check with her solicitors what the consequences of this is.

What are her solicitors advising her to do?

Has she recovered or does she still have residual effects?

Spoke to lawyers again turns out they offered £1000 bang on and not close to £1k as i said above. The lawyers were now kind of saying its better to go get medical report as it would give them the true image of what happened etc. its still ongoing

chanz4 wrote: »

Is it whip cash , or real .

:eek: pls

Mrs_Optimist wrote: »

A word of warning - a colleague's husband has just settled a claim at £115,000 - he was originally offered £1000 by the insurers without medical evidence. He thankfully had the sense to get Solicitors advice rather than trusting the insurer (after all they are hardly likely to be impartial are they). This was an accident at work which has resulted in surgery and restricted employment in the future. My advice would always be to seek proper medical evidence via a report. The only one with anything to gain is the insurers - they wont give a jot if the injury turns out to be worse than first thought as the payment is always made in full and final settlement.

Thanks for this it'd strike me that there is no loss in getting a medical report as it seems third party insurers just want it closed for as cheaply as possible

rs65

tasticz wrote: »

Thanks for this it'd strike me that there is no loss in getting a medical report as it seems third party insurers just want it closed for as cheaply as possible

Its possible that a medical report could reduce the offer, but at £1k, I don't think that's a real concern unless the report shows no injury.