No-Fault Accident & Injury - Make a Claim Through My Own Insurer?

Jambo27

Hello everyone.

To update you, my insurer said I could use their recomended NoWin Solicitor, without it being a claim. The suggested Carpenters who have very bad ratings and completely messed up the form base on what I said on the phone, so never signed a contrarct with them.

Have so far spoken to 3 local NoWin Solicitor firms who are established and reputable, but none want to take me on.

I have just paid to see my original chiroprator which is already making a difference so, luckilly it doesn't look to be too bad so am going to use Offical MIB Minor Injury claim website https://www.officialinjuryclaim.org.uk/.


Does anyone have experience with filling on the officialinjuryclaim.org.uk form, because it's asking for total losses and fees, but I'm note sure what to put in as I'm still having treatment.

All help is gratefully welcomed.

born_again

Jambo27 said:

Brie said:

You don't say what you are employed or not but assuming you are employed you might be penalised for not being at work if you have a lot of medical appointments, in which case making a claim would be crucial. 

On the other hand if you are on benefits take care about payouts in case you get something that takes you over the allowed limits for any means tested benefits.  In this case having interim payments may work better.  So saying "I will accept this payment but consider it only a portion of what I'm due while you sort out the rest" might mean you get a couple of £K which won't take you over the limit, you can make sure you pay some bills and when you get the balance you will be able to tuck that away without penalty.   Just a thought...

Benefits and payout a concideration thanks.

Not working at the moment. Got made redundent 8 months ago, plus the pain/spazaming from my back was intense. Have spent a lot of time seeing private physical therpists and made big recoveries since then, but this accident has made it feel intense again.

Like Car_54 mentioned earlier, the insurance referred them to a lawyer, rather than doing anything themselves. and have just read other stories of this scenario.

PIP is not means tested. 

Nasqueron

Apropos of nothing, it's worth noting chiropracting is quack pseudoscience  

https://quackwatch.org/chiropractic/general/

https://en.wikipedia.org/wiki/Chiropractic_controversy_and_criticism

The American Medical Association said that, "It is the position of the medical profession that chiropractic is an unscientific cult whose practitioners lack the necessary training and background to diagnose and treat human disease. Chiropractic constitutes a hazard to rational health care in the United States because of its substandard and unscientific education of its practitioners and their rigid adherence to an irrational, unscientific approach to disease causation."

Car_54

Nasqueron said:

Apropos of nothing, it's worth noting chiropracting is quack pseudoscience  

https://quackwatch.org/chiropractic/general/

https://en.wikipedia.org/wiki/Chiropractic_controversy_and_criticism

The American Medical Association said that, "It is the position of the medical profession that chiropractic is an unscientific cult whose practitioners lack the necessary training and background to diagnose and treat human disease. Chiropractic constitutes a hazard to rational health care in the United States because of its substandard and unscientific education of its practitioners and their rigid adherence to an irrational, unscientific approach to disease causation."

Indeed. I would highly recommend a book called “Suckers” by Rose Shapiro which  examines chiropractic and other “alternative” medical approaches in great detail.

FWIW a relative had a sore neck manipulated by a chiropractor, and suffered a brain haemorrhage shortly afterwards.

Jambo27

For those using the word Quackery, the best thing I have ever done for my health and only way I made progress was to almost abandon the NHS and the medical system behind approx 10 years ago because of their Fake & False information. Since then my mental problems, my gut problems, bowel problems & physical problems, which I was lead to beleive I just have to live with are so so much better/non-existant anymore.

I realised ho much I was being lied to and told rubish like "you'll have to lean to live with it", "there is no cure", "we don't know what's wrong with you" (after years of tests and inspections while being nothing more than being more messed up by their drug prescribing addiction.

Yes there's nonsense pople & techniques/theraputics inside and outside of medical system, but the system it'self is full of restrictive thinking, restictive knowledge & real hatred towards people who get results who but do not use "approved" theraputics.

DullGreyGuy

Jambo27 said:

For those using the word Quackery, the best thing I have ever done for my health and only way I made progress was to almost abandon the NHS and the medical system behind approx 10 years ago because of their Fake & False information. Since then my mental problems, my gut problems, bowel problems & physical problems, which I was lead to beleive I just have to live with are so so much better/non-existant anymore.

I realised ho much I was being lied to and told rubish like "you'll have to lean to live with it", "there is no cure", "we don't know what's wrong with you" (after years of tests and inspections while being nothing more than being more messed up by their drug prescribing addiction.

Yes there's nonsense pople & techniques/theraputics inside and outside of medical system, but the system it'self is full of restrictive thinking, restictive knowledge & real hatred towards people who get results who but do not use "approved" theraputics.

Depends what they say and their basis... if they say eat this root and it'll help you, dunno why but it does and many medical professionals will be concerned about eating a random thing but will accept it could potentially help. Now say that water has memory and so if you dilute a poison 1 billion times the water can remember it was there so cure you of a condition that has similar characteristics as the poison then doctors, who are in theory scientists, will laugh at the idea water has memory of what it once disolved but still can accept the placebo effect