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insurance claim/Pi/physio - no idea.


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Hi all, hoping this is the right place to post and that someone can assist. I have also posted in the insurance forum! I was involved in a RTA just under 4 weeks ago. :mad:

 

The driver reversed into the side of my car, she admitted liability and my car is in the garage as we speak (damages of £1000 although i fail to see how, yes there was panel damage but £1000!! i am not sure) The car was reversing so only going 7/10 mph or so its only cosmetic.

 

Anyway, i have a question. I did suffer injury - GP says soft tissue damage. I am as bad today as i was the day after the incident. On friday my GP said physiotherapy/chiropractor (sp) would be a good idea but NHS waiting list is long. He said to call the insurance company as the other woman had admitted liability

 

Now, i do not believe in claiming for whiplash etc as although i have suffered pain i have been lucky enough not to have suffered any loss of earnings - i am a stay at home mum, and we go a replacement car whilst ours is being fixed so oh can get to work and back etc so we are happy.

 

i called my insurance co today to tell them what GP said and they said someone would call back - this company urwin mitchell? or something like that have called saying my ins co asked them to do so. I went through all thats happened etc and they said 'they will take on my case' i said i didnt want 'a case' i just wanted physio as per my GP and new car seat as per the local councils road safety team. (The local road safety team have also suggested i purchase a new car seat for my child as you should buy a new one if your vehicle is involved in any accident)

 

But this irwin mitchel company are saying i need to put in a pi claim to get this?

 

Surley this isnt right? I called my insurance co back and i got the 'you have been injured and are entitled to claim compensation for the injuries as you are still suffering 4 weeks later' cr*p..well, yes i am but as i have suffered no loss of earnings i do not want a PI claim, just for physio and car seat to be paid for.

 

What do i do? i have the 3rd parties details do i ring her and ask her to pay for the physio and new car seat? or do i approach her insurance company?

 

I am being made to feel i am being unreasonable for not wanting to claim for personal injury - is this really the culture we live in? or have i got the wrong end of the stick here?

 

Thanks for any replies

Edited by confused??
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You may have got the wrong end of the stick... very slightly.

 

Your GP is saying (as you will know) that NHS waiting lists are very long and it would be quicker to get physio privately... however, someone has to pick up the bill for this.

 

That person would be the party that crashed into you.

 

The only other way would be for you to pay... but this would be unfair surely - it was not your fault you need physio?

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thanks for the response. Yes, i kinda follow what you are saying, and i agree. I need physio and the 3rd party should pay - but the way it has been put to meby this urwin mitchell (or whoever they are lol!) is i need to file a claim for injury and seek compensation, as part of that the physio and car seat will be paid. The company that called me are quoting 'average payouts of £1700 with around 6 months lead time for payment as teh 3rd party have already admitted liability' but i dont want £1700, i just want the cost of the physio and new car seat

 

So, really what i want to ask is 'can i just claim for physio and a new car seat, but not claim for the injury itself for distress and suffering (or however they term it)?

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Im not sure what the price is for the medical treatment you require.

 

You would probably have to enter into further talks with Urwin Mitchell and/or your insurance Co. They should be able to give you a breakdown of what they would be claiming for you.

 

You should make it clear to them that you do not wish to claim for pain and suffering - i would imagine that if you did not suffer this, it would be hard for them to claim this (since there would be no evidence!)

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Hi thanks! thats makes it clearer.

 

I did/am suffering 4 weeks on, but as i havent had 'loss of earnings' i dont want to claim, i am really against the whole claims culture. If i had expereinced loss in wages etc i would consider it but i didnt so i just want to re-coup actual costs ie car seat and car seat.

 

Thanks a lot! I did have the feeling i was being pressured into 'all or nothing' with them but i will make my intentions clear

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