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’
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.