Your opinion is needed on a legal matter - warning, detailed explanation given

[Nicosia Gooner]

[Billy Goat Sverige]

[Brentwood]

[Supermac1976]

[Rich]

[Brentwood]

[Berni]

[Billy Goat Sverige]

[Nicosia Gooner]

Sorry it’s a long story but I need to explain in detail
As some of you may already know, an idiot in a big 4 wheel drive crashed in to the rear of my car while I was waiting to turn right at a junction and sent me across the road onto the pavement.
To cut a long story short, my insurance company took on the case and although he initially denied being at the scene of the accident he eventually accepted full responsibility when I provided photographic evidence with his car there and him standing next to my car.
The car was right off and I had to buy a replacement and I was happy enough with the insurance company’s contribution towards it.
However, the accident caused whiplash with the consequences of severe neck pain and side effects such as pain on leg, foot and hand and in addition terrible headaches including waking up almost every night with them and my sleep is now reduced to around 3-4 hours and at times just 2 hours.
My doctor prescribed a month’s worth of painkillers and I have also been having osteopath therapy which has helped a bit but I still have big problems. For example, last weekend a terrible sharp pain started on the top of my left leg, something I have not experienced ever before. I found it very difficult to walk and going up the stairs was not something I enjoyed. Went to the doctor again and he confirmed it is the side effect of whiplash and gave me one more month’s painkillers.
This has really affected my daily life and restricts me with many of my normal daily tasks including housework and hobbies.
I had an independent medical check-up (arranged by the other driver’s insurance company) and his report agrees with all my points above and feels that Osteopath therapy will help with both my pains and headaches
Anyway, today I have received a letter from my insurance company lawyers who offered me 2 options, the first is to demand (from the other driver’s company) an amount of 3,032 (pounds) and not accept less than 2,500 (pounds) as compensation, this will include all osteopath expenses. If I accept this option then I cannot make any future claims even if I have any more problems, regardless how severe.
The second option is to wait and see how I progress and have a second medical in a few months but this could delay any payments up to 1 year and most likely going to court. Meanwhile they haven’t paid me a penny.
Has anyone here been through a similar process and what would you recommend? My main issue is if the medical problems continue for months or even years.

[Pat Vegas]

[Nicosia Gooner]

[Classic Jorge]

Sorry Nic, had to be done.

I believe there's a thriving market for cases like yours nowadays, I'd shop your situation around a few Injurylawyers4u types and see which of them wants to take it on.

Lets be honest here, we're probably not the people to turn to in your hour of need.

[Berni]

Mind you, I'm no expert.

Sorry to hear you're in pain, though.

[Pokster]

depends if you want the grief of possible going to court

[Brentwood]

to reduce the risk of him coming up with any future claims

My dad was chuffed that my bro could finally pay off his student credit card debts. He went and bought new decks :-/

[Nicosia Gooner]

[Classic Jorge]

[Nicosia Gooner]

[IUFG]

degenerative factors.

Take the money and run.

Just don't put it in a Greek bank ;-)

[Nicosia Gooner]

and accept their offer but I am worried if the problems go and on and they have made it very clear that once I accept their offer its the end regardless of how bad the future could be.

[Brentwood]

[Pat Vegas]

[Peter]

Given your symptoms, i would be f**king angry and would probably want to squeeze them.

From a legal standpoint, i have no advice to give other than that the options you are being given appear to be *******s. They want you to just sign it off now so they dont have to do any more work.

Getbsome better advice is my advice. Sorry :-)

[IUFG]

I have a mate who sold his ambulance chasing practice.

They made all their money through sending letters back and forth.

Robbing c**ts.

[Nicosia Gooner]

something like 450 pounds / hour

[Steve Williams - gay for Mark Knopfler]

"my normal daily tasks including housework"

[:hehe:]

[Nicosia Gooner]

[IUFG]

[Nicosia Gooner]

ALL cooking, cleaning, gardening, ironing - you name it I do it!

[Pokster]

[Berni]

get easily without the insurance company having to incur any further legal costs on your behalf.

That's just my opinion, though. I don't trust insurance companies one little bit.

[Pat Vegas]

You should also be compensated for stress and and the time you have lost by being injured. not just for bills.

Plus the other driver is already been shown to be dishonest.

Tell them you have been enjoying your retirement you love keeping active (which is true) and now you are scared and depressed.

I'd say at least 10 grand.

[:hehe:]

[:hehe:]

[IUFG]

[Nicosia Gooner]

[:hehe:]

:hehe:

[Pat Vegas]

so they will do whatever it takes to avoid paying money at all costs.

The fact a 'no claims bonus' exists is a joke.

[IUFG]

[Sir Charlie of Nicholas]

It was an accident. Why must that always equate to money?

[Pat Vegas]

like Ricosia Gooner.

[Luis Anaconda]

Nic still wears shorts

[:hehe:]

[Pat Vegas]

:driving:

No wonder the bloke drove right into him.

[Nicosia Gooner]

or messing about with some car instruments

[Luis Anaconda]

[Sir Charlie of Nicholas]

We're all capable of making a mistake.

[:hehe:]

[Brentwood]

http://i.ytimg.com/vi/3VqmWGzK7UM/hqdefault.jpg

[Brentwood]

[Classic Jorge]

[Nicosia Gooner]

[Sir Charlie of Nicholas]

All made up nonsense.

[Pat Vegas]

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[Brentwood]

[Nicosia Gooner]

insurance company and settle it between us

This is the person who then denied being at the scene of the accident and only accepted liability when photographic evidence was presented

[Sir Charlie of Nicholas]

It makes no sense at all to own up to being present at an RTA if you're pissed. No sense whatsoever.

[Pat Vegas]

[:hehe:]

[:hehe:]

Get outta here

[Nicosia Gooner]

[Steve Williams - gay for Mark Knopfler]

Or simply a fantasist.

One can understand a person in various professions sitting at their desk idling the day away, bit of work, bit of internet.

But a GP?

Dr Rich is ready for you now sir.
No I'm not, we're discussing the Greek bailout and the fundamentals of FFP.

[Sir Charlie of Nicholas]

yourself as the sole arbiter of right and wrong.

I shall continue to stand for the underdog in the face of your shameless bullying.

[Brentwood]

his key objectives and strategies

[Nicosia Gooner]

[Steve Williams - gay for Mark Knopfler]

I have doubts.

[Luis Anaconda]

[Peter]

And everyone is trying to stiff him into accepting a couple of lousy grand.

I didnt say it was about money, i simply asked if it was.

[Sir Charlie of Nicholas]

What happened to British justice?

[Luis Anaconda]

[Nicosia Gooner]

[Nicosia Gooner]

[Sir Charlie of Nicholas]

God knows Chris+ could do without another court action.

[Mc Gooner]

[Supermac1976]

[Peter]

You voted for it :-)

All i told nic to do was get better advice.

[Peter]

Its only a battle between insurance companies.

[Nicosia Gooner]

[Grinner]

and kept a daily pain diary where you recorded all of your pain and doctor visits. This is what you use to convince them to compensate you fairly for your pain and suffering.

Do not trust your own insurance company. They just want it done quickly so that they can get their own costs back from the other insurers.

Find out what the time limit is on making claims and then advise the other insurers that you are still being treated and can't know your final costs yet. You should ask for three times your expenses in cases like this. One for your actual cost, one for future costs, and one for pain and suffering.

It was over a year since my accident and I still haven't settled yet. I'm probably taking them to small claims court since it's easy and inexpensive and the threat normally makes them pay what you are asking. Never take their first offer...it's always really low to test your *******s.

[Nicosia Gooner]

once again and good luck with your claim

[The Tony]

Don't do a deal on this......