Long story short - was in a road accident nearly 3 years ago to the day - i was stationary at traffic lights after coming off a motorway, someone came off the motorway and drove straight into the back of me.

Insurance company 'approved' solicitors been on the case with compensation and today i got an offer of just over a grand.

Now, i'm not saying i'm in pain each and every day - but - i do still get neck and back pain. When i went out in Porkies westy for example - my neck was painful before we even got back into the pits after a few laps - 3 years ago, fast cars didn't cause that to happen with me.

My 'injury assesment' was IMO a bit of a joke, was in there no more than 5 minutes and had words put in my mouth before i could even give answers. My injury was estimated at 8 weeks and when i asked for it to be reconsidered we couldn't get the assessor to reply...

Solicitors fees to date are around £3500 and i understand that the other party are liable for them, but i've read through the offer i got this morning and its suggesting that if i pursue any more compensation then i'm responsible for certain costs etc. etc.

Anybody rejected first offers? Is there a middle ground of reconsideration before it ends up in court?

Just trying to get a feel for things before ringing the solicitorr

 

I recieved £2200 and I am now fully recovered. First offer.

Benni.

 

speak to stu@claimscare he will know what to do....

i got a claim going thourgh at the momnet for falling down a busted man hold cover lol...been 14 months so far though...hope mine dont take 3 years lololol

 

they basicly do what the insurance company tell them if they are appointed by them

so they will leave you with the bill if you don't accept the offer for not just the other side, but your side as well in some cases

as said, speak to roosie/stu claims about what your options are, you may have signed something to say you'd abide by what they could do for you, in which case you are fucked
but a grand is not a lot in this sort of circumstance, considering i got £8500 for a broken wrist that still plays me up nearly 9 years down the line

 

Had one a few years (about 4 ) ago, damaged my back.....so I claimed and they offered me £1400.....which for a back injury that noone could tell me for certain would get better was paltry IMO........also to rub salt into the wound my fiance was sent a chq for £1400 when she hadnt even claimed ( she was passenger ) just so that she didnt claim!

Suffice to say I rejected the next three offers, had 6 monthly examinations off their medical team and got a substantially larger cheque last year once I was satisfied my injury was a) not deteriorating b) was manageble with my existing lifestyle to an extent I am happy with.

If you aren't happy dont accept.

They will bully you and tell you you will be lucky to get more and then they'll tell you that you have to go to court, and that in court you may get awarded less than the initial offer.......all designed to put you off as they have targets to meet!

Dont do anything you arent 100% happy with.

 

I got paid out on my car crash a few years ago- similar thing I suppose, but the offer was off the scale I expected so I went for the first offer.

£1000 does seem a little low for whiplash type injuries but I'd have thought £3000 was the upper limit.

Your solicitor should be able to advise the upper and lower limits for your type of injury so make your descision on what you feel your case is worth from that.

In terms of going to court, yes it gets costly and the court have different powers about where to aportion costs so it could end up screwing you, also they could award more or even less compensation.

With that one - you make your choice and take your chance.

 

I recieved £1800, 2 months ago for a whiplash I got in a car accident in August 08. Was my first offer.
Ive recovered but still sometimes feel the effects when lifting.

 

i had a car accident and was offered 1400 first time which i rejected as the report from the doctor was a joke so he re wrote it and i then got offered 1040 which i then took as i felt my solicitor was fucking useless and said if i had refused that offer it may have gone down more

 

somebody hit me up the rear about 2 years ago i got £1600 for my injuries and £1650 for the car and £1500 for wages as i was off for 3 weeks . i think they only offer £1000 upto £3000 for minor liplash and back injuries tbh , have you claimed for lose of earnings , lack of use of a car etc bang it all in , also if you work saturdays etc and you get paid overtime you can also claim that

 

sister has just got £3.5k for whiplash

 

And all the while the ambulance chasers coin it in! Our insurance goes to pay for these leeches to fight it out amongst themselves! They love you to contest it so they can send snotty letters backwards and forwards and charge three figure sums for each one.

 

I got "nudged" in the rear a few years ago. I was at the front and there was about 3 cars waiting behind me when a lorry went into the back of us. Very small scratch on the bumper but i did feel something so went to the doctors that day.
Claimed thru my work van insurance as was driving their car. Always had a bit of a back problem so when offered Chiropractor or whatever its called i went with that for 10 sessions. Really did help. Then after a few years got made a couple of offers and i accepted the 2nd offer.1st offer was about £1200 the 2nd offer which i took was £2500. Back is better tho i still wish i had those chiropractor sessions still paid for as like to carry on with them!

 

I got rear ended hard enough to write off all 3 cars involved and refused to claim as it would only put everyones elses insurance premiums up, people should think of that before wanting to claim IMO the money isn't enough to change the way the injury affects you does it?
serious injuries and like paralyasis is different before you all shout at me!

steve

 

I used to cycle about 100miles a week before my accident, altho now there are minimal signs of the injury and i'm 'recovered' my back is sore after a few miles in the saddle, and nil chance of riding every day......that is a massive change in my lifestyle and I cant do anything like the mileage anymore and MTBing is my proper love.

Apparently thats only worth a few grand

 

well said steve.i have been run in to before and didnt even think of claiming as there was nothing wrong with me.the other guy was giving it"oh my necks so sore"

 

I never claimed because I wanted the money, I was genuinly hurt and couldnt work due to my job involving lifting!

 

I had a bike accident - broken wrist in 2 places, screw in it and stuff.

First offer 10K, rejected it. Took a while but finally settled on a lot lot more

I'd reject the offer of 1K mate. Especially as yoy still feel pain to this day.

 

yeh mate,fair do's,not gettin at you just sayin in general know loads of people claiming now when there aint othing wrong with them.

 

Understand you, plenty of people claiming there injured when there ok!
I blame it on the Dr who make it brief and do not examine people properly if they are really injured or putting it on, but they do not care as long as there getting payed.
Its a shame the ones that do get genuinely hurt get put in the same catergory.

 

Common sense seems to have deserted this country, everyone is out for what they can scam or get on the sly ...

I think people make FAR too much of minor accidents, I can understand the need for compensation in major cases, but the average shunt just does not do that much damage IMHO, and I have been a passenger a few times after being smacked into at various speeds.

The only people winning out of this are the Soliciters, insurance is going up and speed limits are coming down because of this

 

i agree,i got hit up the arse years ago and never bothered,i had a sore neck for a few days and job was a goodun after that,whiplash claims (unless really bad) are a load of bollocks.

 

What pisses me off is the way the ambulance chasers seek out people and try and make them claim, all the while under the pretense that it's helping them, 'the poor victim', when in reality it's just to line their pockets!

I was in a relatively minor accident in a mate's car. He claimed, and I got phonecall after phonecall from some greedy leech trying to persuade me to claim. They even told me that if I didn't claim my mate wouldn't get a penny!!

If you're hurt to the extent that it genuinely affects your life, then go grab your payout - But if you're a freeloader just looking to make some dollar, then don't ever complain that you're insurance is too much - It's too much because of people like you.

Soapbox dismounted!

 

I claimed after being a passenger in a car crash, whip lash, laceration to my right ear and walking troubles for 2 months, my back and knee's still give me trouble 6 years on.

Refused the first offer of £8k as i was told by my sister who worked in claims that it is worth £10k, settled just short of that.

 

Never accept the first offer as there is ALWAYS more money in the pot !!!

Advice i was given was as above

Never accept the first offer
consider the second offer
Never refuse the 3rd offer


I personally was involved in a RTA when my workmate lost control of our 7 tonner truck and put us down an embankment on our roof and i was smacked accross the head with a poorly fitted full size fire exstinguisher (sp) and now have a nice scar on my forehead on the hairline

Used teh company union to seek compo and revieved my first offer of £700 to which my solicitor 'advised' NO CHANCE lol

Second offer came in at £1000 and solicitor again 'advised' that theres more in the pot so i left him to it lol

Third offer was £3000 and solicitor said that they are in the bracket for payout and asked me what i wanted to do lol, I said well i assume we better not take the piss so to speak and accept it.......He said tell you what ill contact them NOW and see if i can push again if thats ok he said LOL, All i said was dont blow it and then they tell me to fuckoff and go to court which is what you dont really want lol,

He squeezed again and phoned me back a few hours later and got me up to £4000 FINAL OFFER

Accepted the offer in December 08 adn recieved the chq in Jan 09

 

i know that i ddin't claim for my big accident, but i know it was life thretening enough to have put me in a morgue

don't know the in's and out's of it, but, at the time, it was a HUGE ammount of money to get when i was only 17

given the choice, i'd rather have had my life than the money

broke my wrist and was out of action for 3 months unable to drive then another 4 months before i was ok again, plus the long term damage i got £8500 for

and the other one was a rear end shunt where i got the total ammount of £1200 for injury and the car

compare that to my dad who, many moons ago, lost the tip of his little finger and got paid 32 weeks worth of sick to recover and £4500 and it's a bit of pot luck what you can claim for and what you get

 

People that claim for minor accidents through work or whatever may as well wear a badge saying 'I am lower class'.

 

Yep.

When i was at Uni i worked in Tesco, whilst i was there, some daft, no ambition, checkout worker in her mid 40's, "slipped on a grape" in the warehouse. 2 honest members of staff lost their jobs over it and she reportedly got £19,000 out of it, aswell as 7months off work and walked straight back into he job when she was "well" again.

Fucking joke.

 

Dont want to have the argument again but thats the biggest load of bollox!
Right obviously you dont know how it all works, 90% Insurance companys now REGARDLESS send claim forms for Personal Injury even if they said they wasnt hurt so why would they do that if its just going to higher premiums.
if you honestly think insurance is going to down if less claims was made then .

My insurance goes down every year also.
And about you getting hassled by someone when you was in a accident, well thats fairly unheard of in this area how the hell would they get your details anyway?

 

You can always make them an offer?

say you will settle out of court for £xxx amount and see what happens, worth a go, it worked for me

 

Most of that is gibberish so I've no idea what you're saying.

I've asked you this before, and you side step it every time - Where does the money come from to pay your wages, the solicitor's wages, and the payout?

And tell me why insurance premiums are so high in N.Ireland?

They got my details from my mate, the driver. I was a witness. I would have thought you'd know how it works by now.

 

shame there aren't more like you, makes my blood boil reading all the leechers stories on this topic, completely typical of the way the UK works though I suppose.

 

im signed off work just now because a young lass ploughed into the back of us 2 wks ago on the way home from work,it was pissing with rain and she wasnt paying attention and admitted she was speeding,we were stationary and she hit us at 50 mph,now twice at a@e as the first doc said i had only pulled a couple of muscles,went back 3 days ltr as couldnt sleep as was in agony and turns out ive torn all the tendons and streched all the nerves in my shoulder,3 diffrent pain killers ltr and im starting to get used to sleeping on my back and hoping to get back too work next week,light duties only im told,not easy when your a storeman.....
up to noe im roughly £800 out of pocket with 3 kids and bills to pay. so what do i do,well im sorry but im going to claim,at the end of the day i did nothing wrong.just wrong place wrong time,my mate has been paid out for the car as it was his car and they gave him £700 as he had a sore neck but ive heard nothing form them but his insurance company hav offered me £50k of legal cover and they will deal with it all and offered me physiotherapy,they hav also told me it will be atleast 6 wks b4 i start to feel better but will probably b bothered with it for life and im only 32.

so what would you's do if you were in my position guys and girls?????

 

xr2john - easy. dont make the claim, dont feed your family, loose your house live in pain and discomft. to save our insurance premium going up.

 

Why would northern ireland be any different to england?
Our money comes from the solicitors and no it dont come from the policy holder as there not allowed to by law claim that money back from insurance. the solicitors obviously get there money from the 3rd party insurance company.

Your not allowed to be a witness if you was a passenger as its "conflict of interest"
My company is Regulated by the "ministry of justice" so were not allowed to bend any rules not all companys are Governed by them only selected few as there are strict guidlines you have to pass which my company follows.

 

hmmm

 

Just remember if you claim your classed as "lower Class"

 

Hi mate on a serious note sorry to hear about what happend.
Goto a Personal Injury Specialist in Scotland (as we cant take this on due to different country) and let them advise you from there

 

thanks stu.
i just got forms through from a place in glasgow that my mates insurance company must have instructed to sort it out for me,but im not going too hold my breath as i know it will take forever to sort out.just need to get back to work so i can start earning again as the mortgage wont pay itself unfortunatly

 

So you don't know about the claims culture over there and how much their insurance costs? Ok, so some of their absurd premiums are because there's not the same level of competition, a high level of uninsured drivers and the 'troubles' - But they also have a very high level of personal injury payouts and a huge claim culture (with lawyers creaming off 40% of the claim in many cases) which drives their premiums up massively. And that's exactly what you and your kind are doing.

Stu, read what you've just written. If your money comes from the solicitors, and the solicitor's money comes from the insurance company... where does the insurance companies money come from? A magic fucking money tree??

The police and insurance company wanted my details as I was involved in the accident. I had to give a statement to both. While I do have a conflict of interest and couldn't be used as an official witness, I was still a witness to the events.

Yeah politicians had guidelines too, but it doesn't stop them from being morally reprehensible either.

 

if there is a chance of getting some wedge out of it for a problem that wasnt your fault then go for it.