If you are making a claim for compensation and have been told you will need to have a medical report, it is understandable that you might be anxious about what this involves.
Please note the following information relates to personal injury and road traffic accident claims only. Speak to our legal team on for more information.
For any no-win no-fee compensation claim, you will need to have a medical report to determine the extent of the injuries suffered and the likely recovery time. This is so your solicitor can properly value your claim and make sure you receive the maximum compensation possible.
If you have been told you need a medical report then it is likely that you will have lots of questions. You may be wondering what details will be included in the medical report. You might want to know who will see the medical report. Or, you might not be sure on why you even need a medical report in the first place.
At Bott and Co we will arrange the medical report on your behalf with an independent medical expert and all you will need to do is go along to the appointment. It will be arranged at a convenient location as near to your home as possible and the doctor will be very familiar with the process as they are used to doing these kinds of reports.
What is a medical report?
A medical report is an official document written by a medical professional following a medical examination.
More focussed than a general overview of your health, a medical report obtained as part of a personal injury compensation claim looks specifically at the injuries you sustained or any pre-existing conditions you had which have been worsened directly as a result of the accident in question.
The medical report may also detail how long your symptoms lasted, or are expected to last if they are still on-going, and the extent to which the medical professional believes the injuries you sustained in your accident will affect your daily life going forward. They may consider whether you will be able to continue working as you did before the accident and if you still able to carry out daily tasks like you could before you were injured.
Is it normal for my solicitor to ask me to attend an appointment for a medical report?
Absolutely! If you are making a personal injury claim, it is perfectly normal for your solicitor to ask you to attend a medical appointment in order to obtain a medical report. While this may seem like a daunting prospect, the whole process is very simple and nothing to worry about.
Following your appointment, the medical professional that examined you will produce a medical report detailing the injuries you sustained in relation to the accident for which you are claiming. This report will be used by your solicitor to support your claim for compensation and ensure that you get the best possible offer from the third party and the maximum possible money that you are entitled to.
Why do I need a medical report?
The amount of compensation that we can obtain for you for your injuries is calculated according to their severity, how long they lasted and the way in which they have impacted your life. By obtaining a medical report we will have a professional assessment of your injuries which will give your solicitor a more thorough understanding of your case. This in turn will allow us to recover the appropriate amount of compensation for you.
If you have a holiday sickness claim with us then you will always need a medical report as it’s not possible for us to agree a settlement with the tour operator without one. Medical reports on holiday claims also help prevent fraudulent claims from being made.
What is a pre-med offer?
Sometimes insurers try to make a pre-med offer (that is an offer of compensation before your injuries have been assessed by an independent expert). They do this in the hope that they can get you to accept a lower amount than they think they would ultimately have to pay.
We regularly recover our clients many times more compensation than the insurers initially offer so it’s very important to use our experts and skilled solicitors to handle your claim rather than accept a pre-med offer from the insurer direct.
If you do accept an offer direct, this will almost always be in ‘full and final settlement’ so you will have no right to claim for those injuries in future if the pain and symptoms last longer than you thought.
In one significant case our client was offered £80,000 by the insurer and we ended up recovering £240,000 to pay for long term care and rehabilitation. On the other end of the spectrum, some of the lower value claims we see have had the insurer offer £1,000 to £2,000 and we end up recovering four or five times that much.
Starting his legal career in 1994, Tony brings a wealth of experience to our road traffic accident team. Specialising in dealing with high value cases, Tony has secured a number of settlements in excess of £1million.
He is a member of both Association of Personal Injury Lawyers (APIL) and The Chartered Institute of Legal Executives (CILEx).