{"id":11352,"date":"2012-12-06T10:45:20","date_gmt":"2012-12-06T09:45:20","guid":{"rendered":"http:\/\/www.theinjurylawyers.co.uk\/injury-lawyers-blog\/?p=11352"},"modified":"2012-12-06T10:45:20","modified_gmt":"2012-12-06T09:45:20","slug":"pre-medical-offer-season","status":"publish","type":"post","link":"https:\/\/www.theinjurylawyers.co.uk\/injury-lawyers-blog\/2012\/12\/06\/pre-medical-offer-season\/","title":{"rendered":"Pre Medical Offer Season"},"content":{"rendered":"

\"beware\u2018Tis the season to be jolly<\/strong>‘! With less than 3 weeks until Christmas, the decs are up and the presents are (probably) bought and we are all feeling a little cash strapped<\/strong> for the rest of the festive season. This is the perfect opportunity for insurance companies to save themselves a great deal of money; at your expense<\/strong>!<\/p>\n

Here at The Injury Lawyers<\/a>, we call it Pre Medical Offer Season<\/em><\/strong>. Basically, as the insurers know we are all in need of a little extra cash over the festive period, they go mad for making pre medical offers<\/em><\/strong> to people in the hope to settle the claim for a potentially low sum by feeding on the need people have for more money during the Christmas period. They do it when you have a lawyer, or even without.<\/p>\n

You will be offered something like \u00a31,000 to settle the claim now<\/em><\/strong>. They\u2019ll promise you a cheque within days, and hopefully it can clear before it\u2019s too late to hit the shops for Christmas or the January sales. It\u2019s extremely tempting to anyone. The trade off though is that you may be under settling your claim<\/em><\/strong>. The only way we can properly value your claim for compensation<\/a> is with proper solid medical evidence. If you don\u2019t have medical evidence, no one can properly value your claim<\/em><\/strong>. A pre medical offer is an offer to settle the claim in full and final in the absence of medical evidence. So it\u2019s a literal shot in the dark so to speak.
\n<\/p>\n

A lot of people fall foul of this technique at any time, but in the run up to Christmas, a grand in your hand is just way too tempting than having to wait a few months to properly settle the claim. But, like I say the trade off is that you are likely going to get less money by accepting a pre medical offer<\/em><\/strong>. The insurers know this; and especially know this in the run up to Christmas.<\/p>\n

Here\u2019s an example: John Smith is offered \u00a31,000 by the insurers directly for his whiplash claim<\/a>. Its 3 weeks until Christmas \u2013 he has seen a nice necklace for Mrs. Smith, his eldest son wants a new mountain bike, and his daughter is crazy for fashion toys and accessories. \u00a31,000 would so easily cover all of those wonderful things<\/em><\/strong> he can buy for his family, and have more than enough left over to go upmarket on the Christmas turkey.<\/p>\n

Fast-forward to January \u2013 John has a happy family, and the Christmas period is over. But he is still in pain. <\/em><\/strong><\/p>\n

Fast forward to March \u2013 John is still in pain and his work is now been effected<\/em><\/strong>. He can\u2019t put the hours in due to the pain from the whiplash injury<\/a> that\u2019s ongoing and he has sacrificed a lot of overtime as a result<\/em><\/strong>. He is on a waiting list of 12 weeks for physiotherapy<\/em><\/strong> from the NHS.<\/p>\n

His injury is now costing him serious money.<\/em><\/strong><\/p>\n

Fast forward to July \u2013 6 months on, and John is still suffering. The physio helped but he was discharged after 8 weeks as there was nothing more the NHS could do for him. He still gets pains that slow him down at work, and going to the gym has been a problem ever since. He still can\u2019t do the overtime<\/em><\/strong> at work and his performance is being reviewed as he isn\u2019t as fast as he used to be.<\/p>\n

Let\u2019s say John is paid \u00a3200 in overtime a month. 6 months without overtime has now cost him \u00a31,200<\/em><\/strong>. So he has actually LOST money by settling the claim directly for \u00a31,000<\/em><\/strong> prematurely without medical evidence. Had he have made a proper claim, he would have got \u00a31,000 for just a 4 \u2013 6 week injury. For an injury lasting 6 months, his payout would have increased to reflect this<\/em><\/strong>. He could have made a claim for lost earnings due to the overtime being sacrificed and claimed back the full \u00a31,200 he had lost as a result.<\/p>\n

In fact, John\u2019s claim, with medical evidence and a proper lawyer, would probably have settled in the region of around \u00a32,000 – \u00a33,000 at least<\/em><\/strong>. He could have had 3 times more compensation<\/em><\/strong> had he have waited and done things the proper way. That would have paid for a nice holiday abroad; never mind a few extra Christmas gifts! On top of that, he could have got private physiotherapy as part of the case and enjoyed much better treatment.<\/p>\n

All he had to do was wait…<\/em><\/strong><\/p>\n

So you could end up losing thousands of pounds by under settling your claim in Pre Medical Offer Season<\/em><\/strong>, and you could end up suffering for longer without private medical care. The insurers have saved themselves thousands of pounds in compensation and lawyers fees \u2013 so you can see they weren\u2019t offering you a grand in your hand for your benefit! It\u2019s for theirs!<\/p>\n

There are of course those who may try and be tactical about this. Perhaps try and barter for more, or ring an injury lawyer to ask if their offer is any good. All we can say is that without proper medical evidence and a good lawyer to represent you for your claim, you are in danger of losing potentially thousands of pounds. Ultimately you could end up suffering for years and have all sorts of problems<\/em><\/strong> for the rest of your life; you just never know. Settling pre medical is playing with fire because you can never guarantee what is going to happen in the future. You could sit there and say \u201cwell I\u2019m sure that won\u2019t happen to me\u201d \u2013 but how do you know? I\u2019m sure most people who are seriously injured never that it would happen to them.<\/p>\n

The choice is yours.<\/span><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

\u2018Tis the season to be jolly‘! With less than 3 weeks until Christmas, the decs are up and the presents are (probably) bought and we are all feeling a little cash strapped for the rest of the festive season. This is the perfect opportunity for insurance companies to save themselves a great deal of money; … Continue reading Pre Medical Offer Season<\/span><\/a><\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23],"tags":[],"class_list":["post-11352","post","type-post","status-publish","format-standard","hentry","category-compensation-advice"],"yoast_head":"\nPre Medical Offer Season<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.theinjurylawyers.co.uk\/injury-lawyers-blog\/2012\/12\/06\/pre-medical-offer-season\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pre Medical Offer Season\" \/>\n<meta property=\"og:description\" content=\"\u2018Tis the season to be jolly‘! 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