Law

Why Does it Take so Long for My Motor Vehicle Claim to Settle

CAR ACCIDENTGenerally motor vehicle accident claims in Western Australia take between one to two years to settle. To a lot of people this is a very long time and that leads to the question, why does it take so long. The answer is that there is a range of factors which I will go through in this article.

At this point it is worth pointing out that while cases are often similar in nature no two cases are exactly the same so it may be that the factors that are causing delay in your personal injury case are not listed below.

Treatment

Following a motor vehicle accident, an injured person will normally attend a hospital and their General Practitioner for treatment. At this point the injured person will generally undergo scans such as MRI scans, x-rays and ultrasound. If the injury is a simple whiplash injury normally no surgery will be required, but if the accident is more serious and results in broken bones or similar then surgery may be necessary. It is normal for a General Practitioner to recommend treatment which may include:

  • Physiotherapy;
  • Hydrotherapy;
  • Chiropractic treatment (less common);
  • Acupuncture (less common)
  • Exercise rehabilitation;
  • Home exercises;
  • Specialist referral (e.g. to a pain specialist or an orthopedic surgeon)
  • Cortisone injections; and
  • Analgesic medication.

The Insurance Commission of Western Australia or your solicitor will generally write to your General Practitioner to obtain his/her views on treatment to date. If your injury persists (which many do) then it is likely that more than one of the above treatments will be attempted.

Stabilisation

Once your treating medical practitioners are of the view that medical treatment is unlikely to improve your medical condition, and you have reached a stage where it is unlikely that your condition will get much better or much worse then your condition has stabilised. This is called ‘stabilisation', it is also often called reaching ‘maximal medical improvement'.

Once you have reached stabilisation, you can generally look at settling your case, but this is often not a straight forward affair as I have explained below.

How medical evidence effects your claim

By the time an injured person reaches stabilisation or maximal medical improvement it is likely that they will have reports from more than one doctor, and those medical reports will vary. For example:

  • One doctor may be of the view that an injured person may require surgery in 10 years, while another doctor may be of the view that the injured person requires no medical treatment.
  • One doctor may be of the view that a person can return to their pre-accident role while another may be of the view that the person is unfit for work.
  • One doctor may be of the view that an injured person has achieved stabilisation or maximal medical improvement, while another doctor may not share that view and may be of the view that further treatment is indicated.

It is important to realise that not all doctors will have the same opinion regarding your case. Personal injury lawyers will usually arrange for their client to see a sympathetic doctor so as to swing the balance of medical opinion in their client's direction resulting in a larger settlement. Unfortunately these doctors are generally very popular and it can be necessary to wait a couple of months before the appointment.

Legal proceedings

Depending on the situation legal proceedings can be used as a tool to obtain a settlement in circumstances where the insurer would otherwise make no offer or would make a lower offer of settlement.

Legal proceedings are a useful mechanism for eliciting a higher settlement amount as the insurer is under pressure due to the fact that they are paying legal fees to their legal advisors, usually at a rate of over $300.00 an hour. The following factors are relevant in all litigation:

  • In the first stages of litigation legal fees are relatively modest, however as the matter proceeds towards a trial the fees escalate considerably and it is not abnormal for legal fees at as trial to be over $100,000.00 (for one party) which is well over what many personal injury claims are worth.
  • Even if a party is successful, they will not recover all of their legal fees and
  • If the insurer is successful they are often faced with a plaintiff with no assets and no money to pay back a costs award.

By: foylelegal.com

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