yes, he was innocent in the RTA. The other party was an uninsured driver and was charged after the accident with dangerous driving. The case of the PI claim is still ongoing and very complicated - due to the lack of concrete medical evidence about his injuries. Liability still has not been settled, despite the charges against the driver and witness' statements about his driving behaviour. They haven't disputed it though so the solicitor wants to press this issue after issuing proceedings to them. Re SP: the claim is for TPI and they have not said anything about a possible overlap with any other policies he has - I know with his Payment protection policies etc they are factoring in the PI case and that will affect any decision they make. If they have not raised the issue do I need to pick it up with them? So far they only seem to querying the medical issues and have not asked anything about other policies elsewhere.

Hi all... I would really appreciate any feedback or advice you guys could possibly give on the position I am in... especially if you have dealt with Scot Prov on a claim(or can point me in the direction of others who have) background: a few years ago, my partner was involved in quite a serious RTA. In the time following his accident he has been unable to work (he was a very high-end computing professional) and is pretty much housebound. He has all the typical symptoms of a moderate brain injury, and has limited mobility - ie can shuffle a few yards. His problems haven't changed (in fact have gotten worse) over the past few yrs. Despite this nothing 'concrete' has been found on all the numerous tests, scans etc run on him and the docs still cannot determine what is wrong. Privately they have all told me it is unlikely that he will get back to who he was pre-acc. There is a Personal injury case still going on and other income protection policies he had (none of which have made any progress to date) but I would like to ask advice for just one of them (as it is just too much to cover here) - a critical illness and permenant disability policy with ScotProv. This is potentially a high payout for them over £100k of cover - so I appreciate it will be very big task. Scottish Provident: We filed a claim with them over a year ago as we were unsure as to the extent of his symptoms and how long they would last - and whether they would apply for a 'permenant disability'. According to the small print this seems to mean he will be unable to perform the role he did before - as I said, his drs have told me this is highly unlikely. To date, they have requested and received all his medical/hospital notes and no decision has yet been made. they are now passing it on to an 'independent medical team'. I imagine this means an independent medical exam and so on. I am worried what this really means as in the past (with other policies) I have found that an 'independent' exam is just a way of seeing how they can label the claimant fraudulent. I am feeling really disillusioned with the whole debacle - I thought the point of cover was to protect you if you were unable to look after yourself due to illness/disabilty etc. Instead it seems that we are caught in a game with insurers trying to find a way to wriggle out of paying! I'd like to hear from anyone who has gone through claims with them, and what you have experienced. I really want to know what I need to do to bring this matter to a close - asap. thanks!