Injury after accident
Discussion
Hi guys!
I’m in a bit of a predicament.
I’ve had a recent car accident (lorry changed lanes into me on the M25) and a day or so after developed pain in my lumbar spine.
I spoke to my GP who pretty much said what do you expect, that the NHS wouldn’t provide treatment as it was down to the third party insurer but I could self refer for physio.
I’ve also had the usual ambulance chasers who as soon as I said I wasn’t interested in claiming compensation weren’t interested.
Is contacting the third party insurers still an option? All I really want is just someone to check it, see if physio would help and go from there. I certainly don’t want to go to someone who’s going to make things worse and prolong treatment for more costs or want to stretch the NHS any further.
Any suggestions?
Thanks
I’m in a bit of a predicament.
I’ve had a recent car accident (lorry changed lanes into me on the M25) and a day or so after developed pain in my lumbar spine.
I spoke to my GP who pretty much said what do you expect, that the NHS wouldn’t provide treatment as it was down to the third party insurer but I could self refer for physio.
I’ve also had the usual ambulance chasers who as soon as I said I wasn’t interested in claiming compensation weren’t interested.
Is contacting the third party insurers still an option? All I really want is just someone to check it, see if physio would help and go from there. I certainly don’t want to go to someone who’s going to make things worse and prolong treatment for more costs or want to stretch the NHS any further.
Any suggestions?
Thanks
nipsips said:
Hi guys!
I spoke to my GP who pretty much said what do you expect, that the NHS wouldn’t provide treatment as it was down to the third party insurer
This is nonsense. The NHS is there to treat people. That's why we pay NI. If your injury was someone else's fault, you can claim off them but you can still get treatment on the NHS.I spoke to my GP who pretty much said what do you expect, that the NHS wouldn’t provide treatment as it was down to the third party insurer
Camaro said:
Is it just me, but contact your insurance company? I would've thought this is exactly what your insurance policy covers you for if you have personal injury cover, which I think is standard on most policies.
It's just you. Your own comp policy might provide a small death benefit, £5K or so. Maybe similar for loss of limbs or sight. But it won't cover you for your own injuries.TwigtheWonderkid said:
nipsips said:
Hi guys!
I spoke to my GP who pretty much said what do you expect, that the NHS wouldn’t provide treatment as it was down to the third party insurer
This is nonsense. The NHS is there to treat people. That's why we pay NI. If your injury was someone else's fault, you can claim off them but you can still get treatment on the NHS.I spoke to my GP who pretty much said what do you expect, that the NHS wouldn’t provide treatment as it was down to the third party insurer
Then the physio and consultant spent a lot of time making strange faces while looking at my bulged disc. The original GP has not been in touch since and the last sentence I heard was 'there is nothing more we can do'
Don't know why the GP was so unhelpful. The NHS can bill insurers for costs.
https://www.gov.uk/guidance/nhs-injury-costs-recov...
That aside, if there is a chance you will need ongoing treatment and you may lose cash due to time off work etc costs can mount up. Once you are claiming for injury a lawyer may help.
No need to use a claims management company. Any lawyer that deals in personal injury claims.
But you have years to lodge a personal injury claim. First thing if you can feel something isn't right for your back is to chase GP for a scan.
However if the GP is confident it is muscular and a case for physio no harm trying that first. You are losing nothing by delaying before going legal.
Just don't accept any settlement from the other insurer in full and final settlement until you are sure your injury is not needing ongoing expensive treatment and causing ongoing loss of earnings.
https://www.gov.uk/guidance/nhs-injury-costs-recov...
That aside, if there is a chance you will need ongoing treatment and you may lose cash due to time off work etc costs can mount up. Once you are claiming for injury a lawyer may help.
No need to use a claims management company. Any lawyer that deals in personal injury claims.
But you have years to lodge a personal injury claim. First thing if you can feel something isn't right for your back is to chase GP for a scan.
However if the GP is confident it is muscular and a case for physio no harm trying that first. You are losing nothing by delaying before going legal.
Just don't accept any settlement from the other insurer in full and final settlement until you are sure your injury is not needing ongoing expensive treatment and causing ongoing loss of earnings.
GP should be putting you through the NHS system or referring you privately.
The NHS can and do charge insurers for at fault treatment.
Cars I were in were rear ended twice in 3 weeks,(phones, eh?) I was a bit sore after the first but didn’t seek attention, after the second I was crocked, needed the GP to refer me, the insurer then wanted me attend their Dr. Was attended to privately at their cost.
The NHS can and do charge insurers for at fault treatment.
Cars I were in were rear ended twice in 3 weeks,(phones, eh?) I was a bit sore after the first but didn’t seek attention, after the second I was crocked, needed the GP to refer me, the insurer then wanted me attend their Dr. Was attended to privately at their cost.
Someone ran into my pickup about a year ago and left me with whiplash.
His insurance company was very good, especially when they realised I wasn't after a quick payout.
They gave me sufficient to repair my truck and paid for physio sessions with a local sports injury specialist, she was excellent.
It was only a 15-20 mph impact but the towbar on my truck exacerbated my injury considerably.
As I work outside and need to be mobile it took about four months to sort satisfactorily.
Aside from the cracked rib and fractured sternum which apparently is typical with this sort of injury, it hurt.
Hope you get sorted ok.
His insurance company was very good, especially when they realised I wasn't after a quick payout.
They gave me sufficient to repair my truck and paid for physio sessions with a local sports injury specialist, she was excellent.
It was only a 15-20 mph impact but the towbar on my truck exacerbated my injury considerably.
As I work outside and need to be mobile it took about four months to sort satisfactorily.
Aside from the cracked rib and fractured sternum which apparently is typical with this sort of injury, it hurt.
Hope you get sorted ok.
nipsips said:
It’s a fleet vehicle so unfortunately all handled by AMC’s, who then pass you over to solicitors…
I thought the same but because it wasn’t my fault they won’t get involved. The only other option is getting my employer involved but I’d rather not.
Why don't you want to get your employer involved? Surely they know about the accident, so there's nothing to lose on that front. In addition, your employer is likely to need to carry out an occupational health check, if you were driving on business, which is likely to be much speedier than anything on the NHS. I'm surprised something like that hasn't already been done. I thought the same but because it wasn’t my fault they won’t get involved. The only other option is getting my employer involved but I’d rather not.
In addition, what's going to happen if you end up with back pain in six months' time linked to this incident? Reporting it at such a late stage isn't going to go down as well as doing it early.
Missy Charm said:
nipsips said:
It’s a fleet vehicle so unfortunately all handled by AMC’s, who then pass you over to solicitors…
I thought the same but because it wasn’t my fault they won’t get involved. The only other option is getting my employer involved but I’d rather not.
Why don't you want to get your employer involved? Surely they know about the accident, so there's nothing to lose on that front. In addition, your employer is likely to need to carry out an occupational health check, if you were driving on business, which is likely to be much speedier than anything on the NHS. I'm surprised something like that hasn't already been done. I thought the same but because it wasn’t my fault they won’t get involved. The only other option is getting my employer involved but I’d rather not.
In addition, what's going to happen if you end up with back pain in six months' time linked to this incident? Reporting it at such a late stage isn't going to go down as well as doing it early.
Otherwise they are breaching their duty of care to you under H&S law.
PistonTim said:
Missy Charm said:
nipsips said:
It’s a fleet vehicle so unfortunately all handled by AMC’s, who then pass you over to solicitors…
I thought the same but because it wasn’t my fault they won’t get involved. The only other option is getting my employer involved but I’d rather not.
Why don't you want to get your employer involved? Surely they know about the accident, so there's nothing to lose on that front. In addition, your employer is likely to need to carry out an occupational health check, if you were driving on business, which is likely to be much speedier than anything on the NHS. I'm surprised something like that hasn't already been done. I thought the same but because it wasn’t my fault they won’t get involved. The only other option is getting my employer involved but I’d rather not.
In addition, what's going to happen if you end up with back pain in six months' time linked to this incident? Reporting it at such a late stage isn't going to go down as well as doing it early.
Otherwise they are breaching their duty of care to you under H&S law.
Thanks for the replies guys.
Had a catch up call with the boss yesterday to see how I was getting on with the driving and mentioned it, he is going to sort something out for me.
In regards to the other points -
Yes it was a business vehicle (although my own company vehicle) and was being driven for business hence a full accident report has been submitted just in case.
My GP are a nightmare, the dragon on reception is who I spoke to and told me that the NHS wasn’t there for that, I’m sure if I complained or pushed it I’d get seen. I could also self refer for physio but I’d rather check if it was actually needed before I did this.
Lastly I don’t think I’ll be claiming anything, at the end of the day accidents happen - as long as it clears up nicely and I can get it treated I don’t see the point in pushing the cost of an accident even higher. I’m still working and haven’t really changed habits other than having to get out of the car more often on long distance, ibuprofen when it gets painful, being careful with how i bend etc.
Had a catch up call with the boss yesterday to see how I was getting on with the driving and mentioned it, he is going to sort something out for me.
In regards to the other points -
Yes it was a business vehicle (although my own company vehicle) and was being driven for business hence a full accident report has been submitted just in case.
My GP are a nightmare, the dragon on reception is who I spoke to and told me that the NHS wasn’t there for that, I’m sure if I complained or pushed it I’d get seen. I could also self refer for physio but I’d rather check if it was actually needed before I did this.
Lastly I don’t think I’ll be claiming anything, at the end of the day accidents happen - as long as it clears up nicely and I can get it treated I don’t see the point in pushing the cost of an accident even higher. I’m still working and haven’t really changed habits other than having to get out of the car more often on long distance, ibuprofen when it gets painful, being careful with how i bend etc.
nipsips said:
Thanks for the replies guys.
Had a catch up call with the boss yesterday to see how I was getting on with the driving and mentioned it, he is going to sort something out for me.
In regards to the other points -
Yes it was a business vehicle (although my own company vehicle) and was being driven for business hence a full accident report has been submitted just in case.
My GP are a nightmare, the dragon on reception is who I spoke to and told me that the NHS wasn’t there for that, I’m sure if I complained or pushed it I’d get seen. I could also self refer for physio but I’d rather check if it was actually needed before I did this.
Lastly I don’t think I’ll be claiming anything, at the end of the day accidents happen - as long as it clears up nicely and I can get it treated I don’t see the point in pushing the cost of an accident even higher. I’m still working and haven’t really changed habits other than having to get out of the car more often on long distance, ibuprofen when it gets painful, being careful with how i bend etc.
When you’re saying oh it’s not that bad, I don’t want compensation, I’ll manage, the GP reception and insurance company are listening to that and acting appropriately TBH.Had a catch up call with the boss yesterday to see how I was getting on with the driving and mentioned it, he is going to sort something out for me.
In regards to the other points -
Yes it was a business vehicle (although my own company vehicle) and was being driven for business hence a full accident report has been submitted just in case.
My GP are a nightmare, the dragon on reception is who I spoke to and told me that the NHS wasn’t there for that, I’m sure if I complained or pushed it I’d get seen. I could also self refer for physio but I’d rather check if it was actually needed before I did this.
Lastly I don’t think I’ll be claiming anything, at the end of the day accidents happen - as long as it clears up nicely and I can get it treated I don’t see the point in pushing the cost of an accident even higher. I’m still working and haven’t really changed habits other than having to get out of the car more often on long distance, ibuprofen when it gets painful, being careful with how i bend etc.
Don’t know what else you’re expecting.
Alternatively you could actually tell people firmly you’re in pain and want some bloody treatment.
You have back pain, that's what physios deal with. The self referral system is in place so you don't waste a GP appointment trying to get to the service you need.My daughter was in a crash 4 weeks after she passed her test.
Another girl of similar age drove into the side of her car on a right angle bend because she was mutli-tasking via Vodafone while driving, and we all know women cannot do two things at once, especially if one of them is texting, map reading or parking.
Daughter got taken to A&E with her right shoulder dislocated.
Cutting a long story short, all seemed moderately ok after a few months, though the shoulder did pop of out of joint a few more times. All her treatments were on the NHS, it was me who lost endless working hours waiting in A&E with her.
The third party insurers contacted her after a few months and suggested settlement for her pain and suffering at £7 grand, and she grabbed it gleefully.
17 years later she has finally just about stopped dislocating. Her actual pain and suffering, working time lost and my working time lost, is about 20 times what they compensated.
So:
1. Your have the right to be treated on the NHS
2. Never settle a claim with the third party until you are 2000% certain the problems are completely cleared up. Injuries have a nasty habit of never really healing fully.
Another girl of similar age drove into the side of her car on a right angle bend because she was mutli-tasking via Vodafone while driving, and we all know women cannot do two things at once, especially if one of them is texting, map reading or parking.
Daughter got taken to A&E with her right shoulder dislocated.
Cutting a long story short, all seemed moderately ok after a few months, though the shoulder did pop of out of joint a few more times. All her treatments were on the NHS, it was me who lost endless working hours waiting in A&E with her.
The third party insurers contacted her after a few months and suggested settlement for her pain and suffering at £7 grand, and she grabbed it gleefully.
17 years later she has finally just about stopped dislocating. Her actual pain and suffering, working time lost and my working time lost, is about 20 times what they compensated.
So:
1. Your have the right to be treated on the NHS
2. Never settle a claim with the third party until you are 2000% certain the problems are completely cleared up. Injuries have a nasty habit of never really healing fully.
nipsips said:
Thanks for the replies guys.
Had a catch up call with the boss yesterday to see how I was getting on with the driving and mentioned it, he is going to sort something out for me.
In regards to the other points -
Yes it was a business vehicle (although my own company vehicle) and was being driven for business hence a full accident report has been submitted just in case.
My GP are a nightmare, the dragon on reception is who I spoke to and told me that the NHS wasn’t there for that, I’m sure if I complained or pushed it I’d get seen. I could also self refer for physio but I’d rather check if it was actually needed before I did this.
Lastly I don’t think I’ll be claiming anything, at the end of the day accidents happen - as long as it clears up nicely and I can get it treated I don’t see the point in pushing the cost of an accident even higher. I’m still working and haven’t really changed habits other than having to get out of the car more often on long distance, ibuprofen when it gets painful, being careful with how i bend etc.
I think you really need to make sure that you get appropriate medical attention to assess your injuries, and the prognosis of how they may affect you in future before you make decisions about whether you will make a claim or not. Had a catch up call with the boss yesterday to see how I was getting on with the driving and mentioned it, he is going to sort something out for me.
In regards to the other points -
Yes it was a business vehicle (although my own company vehicle) and was being driven for business hence a full accident report has been submitted just in case.
My GP are a nightmare, the dragon on reception is who I spoke to and told me that the NHS wasn’t there for that, I’m sure if I complained or pushed it I’d get seen. I could also self refer for physio but I’d rather check if it was actually needed before I did this.
Lastly I don’t think I’ll be claiming anything, at the end of the day accidents happen - as long as it clears up nicely and I can get it treated I don’t see the point in pushing the cost of an accident even higher. I’m still working and haven’t really changed habits other than having to get out of the car more often on long distance, ibuprofen when it gets painful, being careful with how i bend etc.
No-one, and I mean absolutely no-one, will be thanking you in 5/10/20 years time for not adding to the cost of the accident while you're still suffering pain and discomfort.
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