Advice on car accident over 1yr ago still suffering

Bantex_2

The payment you took probably excluded any future claims.

vaio

Lum wrote: »

........If that insurance settlement was worded as "full and final", you're probably screwed, unfortunately. .....

Bantex wrote: »

The payment you took probably excluded any future claims.

Except that the OP says......

mickyp1504 wrote: »

........Last November 2013 the insurance settled and payed me £3850 for the injury this was before the second scan at end of November but also added that if anything happened in future or I didn't recover by the 18 months since accident i could ask them to re look at this offer. .......

which to me indicates that it is an interim payment and that's certainly what I would expect a solicitor to argue if the insurer says otherwise.

Further (and from memory) I'm pretty sure the ABI has a rule that unrepresented claimants dealing direct with insurers can't be brushed off with the "full & final" wording if the insurer offers a too early settlement, something to do with treating punters fairly I suppose

OP....As above, get a solicitor