I need treatment for the injuries I suffered in the accident. What should I do?
Your first port of call should be your own doctor. If your doctor is recommending that you have treatment, you should let us know.
For example, if you have suffered a whiplash type injury and liability is not in dispute you will normally be able to have physiotherapy treatment privately rather than having to wait on the NHS. Many insurers will be pleased to refer you on to a private healthcare provider to provide this treatment at their expense. If you prefer to use a particular physiotherapist recommended to you, you are free to do so. You should make sure that you keep receipts. If liability is admitted and you needed treatment for your injuries then provided the cost is reasonable there should be little difficulty recovering the cost of treatment. Speak to the person handling your case if you would like to discuss any of these issues.
X-Rays & Scans
As well as treatment, there are some cases where X-rays, scans or other tests need to be done. We cannot tell you if you need these, and your first port of call should always be your doctor. However, you should always tell us if you have been told that you need any tests like this done. Although it is not always possible, there are occasions when we can arrange for scans and X-rays to be done with the cost claimed later from the other party. It is worth discussing these points with us to see if there is anything we can do to help.
In more serious injuries for example where your ability to return to work is at risk and cases of utmost severity such as spinal cord injuries and serious head injuries, the other party may be willing to appoint an independent company jointly with us to assess your rehabilitation needs. This is known as an Immediate Needs Assessment and is undertaken under the Rehabilitation Code. A Case Manager may be appointed to oversee your case. Practical help, advice and assistance beyond that available on the NHS or from the local authority may be available. In many cases, working with the insurers to assess your needs enables clients to receive help far beyond compensation.
Finally, please bear in mind that if medical treatment is recommended to you, questions will be asked if you opt not to have that treatment. In some cases there will be no criticism of a claimant who does not have treatment. For example the treatment may be invasive, like surgery; carry some risk itself or be far from guaranteed to be successful. At the other end of the scale, a person who was recommended to have physiotherapy treatment a few months after a whiplash injury can expect to be asked to explain why he did not have that treatment if he still has whiplash symptoms two years later.