EasyPeez
Veteran
- Location
- Cottingham, East Yorkshire
Isn't physio one of the things that can be a bit hard to get on the NHS?
I grasp your reluctance to make an insurance claim, and I might well feel the same way in the circumstances.
But if you are going to need a lot of out patient treatment, her insurers ought to know about it for a couple of reasons.
Firstly, they should cover any expenses.
Secondly, in the unlikely event your treatment is not as straightforward as looks likely, a claim underway now will stand you in very good stead if things don't go as well as predicted.
I see what you're saying. I think my reasons for not making a claim at this stage are:
a) I haven't actually been diagnosed with anything beyond bruising and swelling
b) I still don't know what the cost of repair to the bike will be
c) I don't know what the physio will say or how many appointments I'll need. It may be just one appointment.
d) As per some of the responses above, I can see that the accident stemmed in part from some of my actions re: choosing to filter and not cycling more slowly
I expect a report on damage to the bike within the next couple of days, and a phone-call back from the NHS about a physio appt later today. Based on the woman's response on the phone it sounds like anything upwards of £50 on bike repairs will result in me needing to make a claim. If that's the case I was going to make the claim when the report comes through in the next day or two, and mention the referral to physio at that point. My medical notes were updated this morning so there'll be evidence that I've reported my injury and sought medical attention.
If the bike report comes back as just a new mech hanger then I was planning to bill the lady for helmet and mech hanger and forget about any claim. Then if when I see the physio it turns out some longer-term treatment/multiple appts ar required, start a claim at that point.
It feels a bit weak and sketchy to me to ring an insurance company and say "I want to make a claim because I have some damage to my bike and some injury", to which I assume they would ask "What damage and what injury?" and I'd say "erm, not sure".
Am I being daft?