Am I right to Q be un­set­tled about set­tling?

‘The prob­lem is they want to pay you as lit­tle as they can get away with’

Motorcycle News (UK) - - Garage -

I had an ac­ci­dent about a month ago and the other driver’s in­sur­ers have con­tacted me and said that I don’t need a lawyer. They’ve re­paired my bike and told me that I prob­a­bly won’t need to see a med­i­cal ex­pert to get a pay-out. They seem pretty rea­son­able but my mum is telling me that I need le­gal rep­re­sen­ta­tion to stop me from be­ing had over. Jack Red­mond, Soli­hull A I would be wary of some­one when they tell you that you don’t need in­de­pen­dent ad­vice. In an ef­fort to re­duce the amount they have to pay af­ter an ac­ci­dent, in­sur­ers are try­ing to use a process called ‘Third Party Cap­ture’. They of­fer to deal with both sides’ re­pairs, pro­vide a few ses­sions of physio and then make a com­pen­sa­tion of­fer for any in­juries.

Un­for­tu­nately, their in­ter­est is di­rectly op­posed to yours be­cause they want to pay as lit­tle as they can while you want a fair set­tle­ment.

They usu­ally make of­fers very soon af­ter the ac­ci­dent when the full ex­tent of your in­juries isn’t known or, as in your case, with­out any med­i­cal ev­i­dence. If you then find out you have a more se­ri­ous in­jury then there is no sec­ond chance. The ben­e­fit of hav­ing a so­lic­i­tor is that they can fight your cor­ner on equal foot­ing with the in­sur­ance com­pany.

As a rule, peo­ple who use a so­lic­i­tor tend to get sub­stan­tially more com­pen­sa­tion than those who don’t, and the so­lic­i­tor will gen­er­ally work on a no-win, nofee ba­sis.

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