Our client was injured in a road traffic accident after the vehicle they were travelling in was struck from behind. Whilst liability was admitted from the outset, the initial view taken by the insurer was that the injuries were relatively minor and short-lived.
The first offer made by the insurer was just £2,090, based on an assessment of around five months of symptoms and minimal treatment needs.
Although the insurer took a limited view of the claim, our client had experienced a range of symptoms following the accident, including neck, shoulder and back pain.
There were also arguments raised by the insurer that:
- The injuries resolved relatively quickly
- Some symptoms may have been linked to pre-existing issues
- There was little evidence of financial loss
These factors meant the claim required careful handling and strong supporting evidence to ensure the full impact of the injuries was properly recognised.
How we helped
We took the time to fully understand our client’s experience and gathered detailed medical evidence, including a specialist orthopaedic report. This allowed us to present a clear and balanced picture of the injuries, recovery and ongoing effects.
We challenged the insurer’s initial valuation by:
- Highlighting the extent of the symptoms and their impact on daily life
- Addressing medical issues and clarifying what was attributable to the accident
- Ensuring all relevant heads of claim, including services and treatment, were properly supported
Through careful negotiation and persistence, we demonstrated that the initial offer did not fairly reflect the claim.
Settlement
As a result of our approach, the insurer significantly increased their offer to £5,355, more than double the original proposal.
This revised settlement included compensation for injury, services, limited loss of earnings, and treatment costs.
Our client said following the accident:-
“I would like to express my sincere appreciation for the excellent service I received. The solicitor Joel Glass handled my case with professionalism, clarity and genuine care. Communication was always timely and transparent, and I felt fully supported throughout the entire process. My matter was resolved positively and effectively. I highly recommend their service to anyone seeking reliable and knowledgeable legal assistance.”
How we can help
This case highlights the importance of not accepting an early offer without proper investigation. With the right legal support and robust evidence, it is often possible to achieve a far more accurate and fairer outcome.
If you have been injured in an accident and are unsure whether an offer is fair, our experienced team at Calio is here to help. Get in touch today for clear, practical advice and support every step of the way to help you move forward.
