compensation advice

[Carol52]

i had a accident and have needed X rays mri etc . I had/ have several problems
The report from the consultant with the insurers says acceleration 3 months for one joint problem and 4 months acceleration for another.
it says regarding my wrist / hand I have to wait a further )months to see if it improves.
Now
can they settle the first problems ( 3 and 4 month) issues i have or do i need to wait 6 months before any compensation to see how my wrist etc goes on. . also does the acceleration mean not much of a offer they are saying i already have some joint issues from the scan. They also said get legal advice . Do i have too i dont really want too. any advice would be fab.

Was it a car accident, industrial accident/workplace, at home or you’re just clumsy? Where are you looking to be compensated from?

You really need to get legal advice. I’m assuming this was a car accident maybe?

No one can advise without seeing your complete medical records and all medical reports and knowing full details of the accident and certainly not on Mumsnet

it really depends on the accident. If it was a car accident then your injuries will exceed the limit for presenting it in the OIC if your wrist prognosis is longer than around 9 months so you should get a solicitor. Are your other problems actual joint issues or whiplash?

not it was a fall in a shop due to negligence. it is the companies insurance who instructed the scans etc and the consultant who gave the report

Check your home insurance for legal cover. Something I always take out now after we had an incident with a runaway trampoline in a storm.

no i haven’t got it why would i need it

It is possible and reasonable to have interim payments while a claim is ongoing to cover costs incurred as a result of the accident, things like physio, time off work unpaid, travel. It is best practice to wait until an injury is fully healed or until a doctor is able to tell with a high level of confidence what the expected outcome is going to be in terms of long term damage.

Once they pay out, you will be required to sign that you are accepting the payment as full and final completion of the claim, that even if the damage is more severe and has longer lasting consequences than expected you will have no ability to go back and ask for more, so it’s important that you have a full picture of what long term effects are likely.

The suggestion above to check for legal cover is so that you can have legal representation who are working in your best interests (not who are working for the shop) review the medical reports, review the expected impact to your future costs, earning capability, mobility etc and advise you on whether the offers made are reasonable and fair, and whether the contractual language you are asked to sign on accepting the offer is reasonable and fair.

Why would you need legal advice? For the exact situation you’re in now.

thank you that is useful.
The report shows some age related signs. But i don’t get what is means by a 3 and 4 month acceleration for my neck and wrist. does it mean I only get 3 and 4 months compensation

i meant legal advice on the insurance and yes j get for this situation.👍

For her pain and suffering and any lost income?

Lots of mumsnetters seem quite against the idea or compensation despite someone being hurt by someone else’s action.

OP - acceleration means that you’d be entitled to damages for that period i.e 4 months. It’ll be a low figure. An insurer may try and make an offer for everything now but if your solicitor may recommend holding off until you understand more about your wrist.

Oh you really should have your own solicitor. Given that there’s evidently an admission of liability, most no win no fee will take you on.

I don’t know if you thought I was asking what they wanted compensating for, what they asked was where - as in who from - as the post didn’t state what type of accident it was. It could have been a car insurance claim or something via the courts and the health and safety executive. I worked with car insurance companies for years which is why I asked. I’m all for getting these things recorded as you never know how they will affect you in a few years time as well as currently.

Don’t rely on getting an adequate offer of compensation from the store’s insurers.

You can wait and see what they initially offer but definitely get proper legal advice from a specialist injuries lawyer.

I received over €30k from a car accident even though I had no broken bones. The driver actually thought she could offer me €500 to go away and not make a claim. 😂😂

thanks for your comment the accident was last April . so how they can say 3 and 4 months when it’s been a year and i am still suffering from the pain caused after the accident

The acceleration of the pain means had the accident not happened you would have been in pain anyway (prob due to degenerative changes caused by age which would have shown on your xray etc) after that time. So within 3 months or 4 months of the accident date had the fall not happened you would still be in this level of pain.

So telling them you are still in pain in these areas won’t trigger any additional medical investigations or compensation.

If the wrist has been 100% caused by the fall then you should wait until it’s better to see if the medical report is correct. If not recovered they can arrange more treatment.

This claim is not likely to be anywhere near figures in this thread!!!!!

Are you in Ireland by any chance? (Noting you've referred to €, rather than £.) If you are, compensation levels are massively different there.

thanks for you post

any idea what the figures may be

Seriously get your one lawyer. To have already messed things up by allowing the shop company to get the medical evidence - stop acting for yourself . Find a lawyer who will accept no win no fee or use your household insurance if you have legal protection.