Whiplash Claim Offer - what should I do next? Help please?!!

Lolashowgirl81

Hello, I am hoping there is somebody on here that works for Liverpool Victoria Insurance, or any insurance company really that could give me some advice.

I had a motor accident in Feb 2007 when somebody drove into the back of me....I was initially ok and got out of the car to inspect the damage and decided to call the police to ensure everything was ok, by the time they arrived I started feeling the effects of the crash but got into the back of a police car in order to give all my details. When I had finished I had stiffened so much that I couldnt get out of the car and an ambulance was called.

I was triple immobilised and taken off to hospital, it took them hours to get me from the scene of the crash, and they called clinical ops to request authorisation to remove the roof of the police car but were refused as it was likely to be straitforward whiplash rather than anything more serious thankfully.

On the way to the hospital I slipped on the spinal board and thought my neck was going to snap so they pulled over and re-aligned me (or whatever the term is) and off I went to A&E for neck X-Rays. Anyway, thankfully everything was clear and I was sent home with a bunch of painkillers and bed rest for the rest of the day but to try and keep moving to stop the back and neck stiffening.

Anyway, over the next few weeks I went through all the usual whiplash symptoms and finally returned to work after 6 weeks sickness! I had 8 physiotherapy treatments and was told I could expect to make a full recovery within 6-9 months from the date of my medical examination which was end of March 2007.

Now, the bit I need help with......Liverpool Victoria have sent through an initial offer of £2700 for my injury, including £300 gym fees I paid during the time of recovery......I also have a claim in for lost earnings which comes to approx £400-£500!!

My solicitor has said they estimated my injury to be worth £1850-£2150 so it's over that estimate already.

Should I accept this initial offer, or should I persist and go for more? I know of friends and colleagues that have claimed for whiplash after taking themselves off the hospital or doctor the following day and having 3-4 days off work and they have received £2000 - £2500.

I think the offer is reasonable for injuries that I sustained although I would be a bit happier if it was more in the region of £3000.............but I think the trauma of the whole trip to hospital has to be worth a bit more?

Is this a minimum offer that they hope I accept straight away, and if I hang on for more am I likely to get it or should I take the offer and enjoy a nice holiday out of it and pay off some debts?

Also? How long would a second offer take to come through?

Any advice you have to give would be a great help!!

oldwiring

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scheming_gypsy

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