downfader
extimus uero philosophus
- Location
- 'ampsheeeer
That makes sense. Sound advice, come back fitter and stronger when you've healed fully.
Rider down............me unfortunately.
- Thread starter jdtate101
- Start date
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That makes sense. Sound advice, come back fitter and stronger when you've healed fully.
OP
OP
jdtate101
Ex-Fatman
- Location
- Boring Birmingham
Been a while since the accident, but today was the first major hurdle cleared. The other party's insurer has agreed to cover all material costs submitted without any haggling and has sent a cheque in the post. At least my material costs are now covered which is a MAJOR weight off my mind. They have also offered a paltry sum for the injury side, which I rejected, so will have to have an interview with an independent doctor to assess the level of the claim. This could take up to another 6 months to settle, but I'm not in a hurry.
fossyant
Ride It Like You Stole It!
- Location
- South Manchester
Glad you are on the mend. Don't hold your breath for the injury side. 3.5 years it took for me.
Melonfish
Evil Genius in training.
- Location
- Warrington, UK
i was a passenger in a car that was rear ended stopping at a roundabout and i've been waiting for over a year now. my claim is completely without doubt they just draw it out to justify costs methinks.
hope they bump your injury money up! good news on the costs tho!
hope they bump your injury money up! good news on the costs tho!
And yet......
Sister-in-law. She's sat at a junction, with a taxi in front. Momentary lapse of concentration and the car rolls forward. Impact of whatever momentum a car can gain, rolling over 1'-18"
At the time, no plod, no damage to car, no damage to driver or passenger.
Within 24 hours there's damage to all 3.
Insurance company tells her they believe that there was no damage. But it's cheaper to pay out than to dispute it.
less than 2 months later, including various offer refusals by the passenger. it's all sorted and the insurer is down £8,000
Sister-in-law. She's sat at a junction, with a taxi in front. Momentary lapse of concentration and the car rolls forward. Impact of whatever momentum a car can gain, rolling over 1'-18"
At the time, no plod, no damage to car, no damage to driver or passenger.
Within 24 hours there's damage to all 3.
Insurance company tells her they believe that there was no damage. But it's cheaper to pay out than to dispute it.
less than 2 months later, including various offer refusals by the passenger. it's all sorted and the insurer is down £8,000
OP
OP
jdtate101
Ex-Fatman
- Location
- Boring Birmingham
They have offered £1500 for a quick settlement. My solicitor has hinted that he thinks this is all I can expect, yet my brother gets £5K for whiplash last year when someone rear ended his car? Given the fact that I'm now pretty much fully healed without any discomfort when I ride or run, I'm tempted to just take the offer and close the book on this chapter. My main concern was to get my material costs covered, which they have been. What do others think, is this offer realistic or just a joke (I have no real frame of reference as I've never made a claim before)?
Suppose there's no harm in rejecting that and see what they come back with? I am not an expert though, so you probably shouldn't listen to me.
400bhp
Guru
As far as I can see you are holding out because of what you might get based on your brothers payout. This tells me you are not holding out because you have suffered financially/mentally more than £1500.
Morally you should accept.
fossyant
Ride It Like You Stole It!
- Location
- South Manchester
Whiplash is £1500 with healing in a few months. You might get a little for the cuts and abrasions.
How it works is the main injury gets the full amount according to the JSB guidelines, then secondary maybe gets half the value of its guide rate, third one a quarter.
My main one was my shoulder, then came the back problems for 18 months, then the myofacial pain in my muscles. Shoulder got full whack, but the others came to about half the main injury. I could have held out for care and assistance additions, but to be frank, I'm more or less ok now, not 100 percent, but the stress of the claim process can be hard work, so I settled. Huge relief. I can go and fall off my bike now without worrying about the claim.
How it works is the main injury gets the full amount according to the JSB guidelines, then secondary maybe gets half the value of its guide rate, third one a quarter.
My main one was my shoulder, then came the back problems for 18 months, then the myofacial pain in my muscles. Shoulder got full whack, but the others came to about half the main injury. I could have held out for care and assistance additions, but to be frank, I'm more or less ok now, not 100 percent, but the stress of the claim process can be hard work, so I settled. Huge relief. I can go and fall off my bike now without worrying about the claim.
OP
OP
jdtate101
Ex-Fatman
- Location
- Boring Birmingham
I have decided to settle for the amount offered. As I had no frame of reference (and my solicitor kept saying they couldn't tell me if it was an acceptable amount..legally) I had no way of knowing if it was good or bad, but having spoken to another friend on the phone, who also happens to be a personal injury solicitor, he said this was about average in this sort of case, so I have decided to just end it as quickly as possible and move on and draw a line under it all.
Crankarm
Guru
- Location
- Nr Cambridge
I was going to say reject it as it is the first offer? I would except their 3rd or 4th offer which is what I did when I was knocked down the first time. The final offer, the 4th, that I accepted was a massive increase on their first offer which was frankly derisory and I believe was made by the other's insurer to test what sort of claimant you were whether you would roll over or be a tougheee holding out for the full amount. You only get one bite of the cherry so to speak. Your solicitor's negotiating skills are key at this stage.
simon.r
Person
- Location
- Nottingham
I settled for £1300 (+ material costs) after being knocked off a while ago. Obviously no two injuries are the same, but without reading the whole thread again it sounds like mine were of the same sort of magnitude as yours - visit to A and E, on crutches for a week or two, very painful for a few days, quite painful for a few weeks (subcutaneous hemotoma and road rash / bruising), prescribed strong co-codamol, but no (apparent) lasting injuries.
OP
OP
jdtate101
Ex-Fatman
- Location
- Boring Birmingham
That's about the size of it.
