Medical Report Sent
What does this mean?
We have sent the medical report as approved by you to the other party’s insurers.
What happens next?
The following is a summary of the steps that can now take place depending on the response we receive from the insurers:-
1. If liability is admitted the insurers must make a reasonable offer to settle your claim within 21 days of them receiving the report from us. Once we receive the offer we will contact you to give you advice about it. The following are the most common situations:-
(a) If the offer proves to be reasonable and you instruct us to accept it then the claim should be capable of being concluded subject to agreement being reached on any other elements of your claim (e.g loss of earnings, clothing, vehicle damage etc).
(b) If the offer proves to be unreasonable and you instruct us to reject it then we can either return to the insurers with a counter offer or we can commence court proceedings on your behalf.
(c) If the insurers do not respond at all within 21 days we can commence court proceedings on your behalf without giving any further warnings to the insurers.
(d) If further medical evidence is required (for instance due to uncertainty over your recovery period) then a settlement of your claim would generally be inadvisable at this stage and the insurers would be unlikely to make an offer of settlement. However, if the insurers do make an offer despite the inconclusive medical evidence we will give you advice about the offer and the risks associated with an early settlement.
2. If liability is disputed we will be able to commence court proceedings on your behalf subject to the overriding requirement that there is a reasonable prospect of your claim being successful.
3. If a further medical report is required we will make sure that the arrangements are made for you to attend a re-examination at the appropriate time as recommended by the medical expert.
