embarrasing injury as a child - am I too late to make an insurance claim?

[wheredoigonow]

When I was about 11 I had an accident at a public sports centre, I was walking on a row of chairs, set up like chairs in the cinema, i.e you push on the back and they flip up. I fell, and landed astride the chair. It was AGONY?. My mum took me to hospital and I had two nights in hospital while they monitored me, my labia basically swelled up to golf ball size and went black. At the time I had no idea about sexual stuff, I remember the doctor describing it to a team of junior doctors (so embarrassing to go through having loads of people looking at my privates at that age) that I had ?smashed my clitoris? I had no idea what a clitoris was then? since then my labia are very protruding, not golf ball size but it?s pretty noticeable and I?ve always been very self conscious about it. I?ve never enjoyed sex, I can come, but it takes forever, even with toys etc. I?m certain it?s because of the accident and that I just don?t have full sense of feeling as I should have down there.

Does anyone know if I could claim on their liability insurance for this? I know there is normally a time limit but it?s only now as an adult (I?m 34 now) I?m realizing that my sex issues are most likely down to that accident. I don?t want to phone one of those numbers and have to explain it to some giggly ambulance chaser about my funny labia so hoping some fellow Mumsnetters can give me some advice!

[wheredoigonow]

Thanks for all your responses. So I?m out of time. I did suspect that was the case but it?s been great to have lots of opinions.

And no, I?m not a perv who wanted some info on fellow mumsnetters labias!

My mum wasn?t there, I was on a summer holiday swimming club and had snuk off to explore the rest of the sports centre.

[LadyMilfordHaven]

even more culpable I am afraid

[Chubfuddler]

Limitation for most types of civil claim including many types of negligence is 6 years but got personal injury it's three. The clock usually starts ticking on the date of the accident but for a child it doesn't start until their 18th birthday.

The date the clock starts ticking can be later if you dugong know or have means of knowing you had suffered injury - this is the reason many industrial disease claims are brought years and years later.

You're well out of time even if you had good grounds op.

[MidniteScribbler]

So you snuck away to an area you weren't supposed to be in, and were doing something you weren't supposed to be doing, and you think someone should pay because 23 years later your sex life is now not as great as you think it should be?

::head desk::

[nooka]

An eleven year old at a day camp should have been supervised though, so if it could be proved that there was damage, that that damage was related to the incident, that there was some degree of negligence and the OP was within the time limits then a claim could potentially be made. Children are known to do dumb things after all, and should not really be able to evade supervision and seriously harm themselves, although of course accidents do happen.

OP I would also wonder whether sexual counseling might be helpful, I can't imagine that having lots of people examining your labia in early puberty was a great experience, it wouldn't be surprising if it had had some negative effect. If you could bring yourself to ask your GP about a possible referral then it might well be worth it.