PI claim

Thanks for your reply, yhea i know he's not a lawyer as such but i figure everyone has to get experience from somewhere, and so far its gone okay got that first offer (hence why its low, but im not desperate for the cash so im not gonna rush this) only a few days after i sent in the paperwork and he's been in regular contact with updates so im happy so far with him Glad to hear ive made the right decision i was just worried that with things clearing up slowly eg my neck that they might think recovery is sooner and lessen the compensation, ive also been getting shooting pains down my left hand, which has started to happen recently, same side as my bad shoulder so would really feel better getting assessed properly. I know someone who broke a rib among other things he got offered 2k took it and is still suffering 3 years later so im not making that mistake!

luaive wrote:

Also why would i be offered the compensation before having a medical?

Insurance companies will work on the basis that if they make an early offer before the medical reports have been done and the claimant accepts, they will probably have saved a packet as it will have been severely undervalued.

When an insurance company is notified of a claim, they will put aside an amount of money that they think is appropriate for that claim based on the injuries reported.

If they can settle under the amount put to one side, then the claims handlers will get a big pat on the back and possibly a bonus, if it goes over, then they have to start explaining why.

So, by making you an offer, (which some people would have accepted) they are hoping that if you accept then they have made a massive saving.

However, once you have had the independent medical examination, I am pretty confident that the next offer will be substantially more than what they have currently offered.