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Title: My claim is going nowhere!

Date: 11 March 2015

Insurance claim is going nowhere!

Whilst driving to work in the morning 2 weeks ago, a car hit me from the rear. He said he could not stop due to ice on the road. I didn’t think I was injured at the time but my back has been getting progressively worse and is giving me real pain. It keeps me awake at night, I can't stand straight and am relying on strong pain killers.

Bizarrely I received a call to my mobile from a claims firm and I completed their papers they emailed to me but we are now 10 days on yet nothing’s happening. I really need to see someone for my back pain.

When can I get treatment and how should I do it?

C-M, London

It is often the case that whiplash symptoms (which sounds like your issue but don’t rely on my layman’s diagnosis!) to develop 1 to 3 days after the accident. In terms of liability the other driver should have been able to stop (or he should have been driving more slowly) and therefore liability should be clear cut - that is it is his fault.

It is unacceptable that you have not heard anything from your legal representative for 10 days, especially in these days of e-mail. Early intervention by way of physiotherapy can do wonders for whiplash injuries and you should be seen as soon as possible. A law firm can arrange this at no cost to you and yours should have done so, in addition to having lodged the claim against the other driver.

You can always switch law firms (at no cost to you) and get a more pro-active one rather than the "claims management companies" that advertise on TV. You will be able to claim for your financial losses (including private medical treatment) in addition to claiming damages for your injuries. You will have no problem finding a firm which will act for you on a no-win, no-fee basis and you are still within the cooling off period for cancelling instructions to the other firm (14 days for remote contract signing).

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