Can I reject a settlement offer and make a claim for a spinal injury in an accident in a supermarket? I was offered compensation for a ruptured disc by your supermarketâ€™s insurance company, although the settlement barely covers lost earnings.
You are under no obligation to accept a settlement from an insurance company, and are entitled to reject the offer and make a claim for a spinal injury in an accident in a supermarket if you do not feel that the insurance company is offering you an appropriate level of damages.
Claim for a spinal injury accident in a supermarket
It is not unusual for insurance companies to attempt to settle claims for serious injuries by contacting an accident victim directly with an offer of compensation. While the promise of quick payment may be welcomed if financial difficulties are being experienced due to a serious spinal injury, it is rarely wise for the victim to accept the offer and certainly not without first having the settlement independently assessed by a personal injury solicitor.
An insurance company may appear to be acting with your best interests at heart, but the reality is that compensation for a spinal injury in a supermarket is usually only offered to save the insurance company money. By making an offer the insurer can avoid the cost of defending a claim and being ordered to pay considerable damages to the victim by the courts.
Without knowing the severity of your injury, the expected healing time and if any permanent damage has been caused it is not possible to tell you how much compensation you would be entitled to receive if you proceed with a legal claim for a spinal injury in an accident in a supermarket.
However, if the offer you have received only covers loss of earnings it would appear that the insurance company is attempting to undersettle your case. It is highly probable that you would be able to recover a substantially higher level of compensation if you reject the offer and make a spinal injury compensation claim.
Loss of earnings can be recovered by making a claim for special damages, along with costs of surgical treatment, physiotherapy or chiropractic treatment costs, as well as other expenses incurred due to the injury or accident. You can claim compensation for a spinal injury in a supermarket to recoup the cost of receiving assistance with child care, obtain reimbursement for additional transport charges and for the cost of replacing any property damaged in the accident.
Special damages only cover financial losses due to an injury to the spine in an accident in a supermarket. You will no doubt have suffered considerably because of your injury, and have experienced considerable pain. It is only fair that you should receive recompense for this suffering in addition to the considerable loss of amenity (quality of life) that is caused by a ruptured disc. These aspects of your injury to the spine in an accident in a supermarket must be factored into the compensation amounts claimed, in addition to financial losses. All of these aspects of a spinal injury compensation claim are covered under general damages, which are claimed in addition to recouping costs and expenses incurred due to an accident.
For an accurate assessment of your full entitlement to compensation it is advisable to speak with a personal injury solicitor about your case. When you have found out how much compensation you can claim, you can then make an informed decision about whether or not to accept the offer you have received.