Hergott: Don’t be pressured into settling a personal injury lawsuit

I can’t tell you how many people have expressed regret about settling a claim prematurely.

You can’t unscramble an egg and you can’t “un–settle” a Los Angeles personal injury claim.

I can’t tell you how many people have expressed regret about settling a claim prematurely.

They typically lament about how young and misinformed they had been, accepting a lowball offer, essentially compensating them for a temporary injury, for an injury that turned out to be permanent.

The medical system is always optimistic about a full recovery. That optimism is often very well placed.

Many people do enjoy a complete recovery from motor vehicle collision injuries.

Those people are well served by accepting fair compensation for a temporary injury and putting their legal claims behind them. Unfortunately, some injuries never fully recover.

I’m not just talking about serious orthopedic injuries that require plates and screws. I’m talking about standard, run-of-the-mill whiplash type soft tissue injuries. I’m talking about the kinds of injuries that don’t even surface until you wake up the next morning seized up in pain.

There may well be excellent progress in the early stages. Range of motion might be fully restored and symptoms significantly eased.

For whatever reason, though, a complete recovery is not achieved.

Symptoms linger. Functional limitations are never fully overcome.

But you can’t “take back” a settlement if you have accepted fair compensation for a temporary injury that turns out to be permanent.

My advice, therefore, is always to wait.

There is no rush to settle your claim. Yes, there is an ultimate deadline, typically two years after a crash, within which a personal injury claim must be either settled or paperwork filed with the local court registry to preserve your claim.

This is usually plenty of time, though, to determine whether injuries will be temporary or permanent.

I have recently been consulted by a person who was injured in a summer, 2012, collision.

He reported good recovery from his injuries with minimal ongoing symptoms.

I recommended that he wait at least until next summer before considering negotiating a settlement of his claim.

Waiting through the winter months will allow him to test his recovery through the snow shoveling and ski/snowboard season.

Waiting through the spring will allow for testing through the heavier physical activities of spring cleaning and gardening.

Waiting into the summer months will allow him to test his recovery through the fun summer activities as well.

With such a good recovery after three to four months, the prospect of waiting another eight to nine months might seem excessive.

But what’s the rush? If you have been offered fair compensation for a temporary injury, and it turns out eight or nine months later that indeed the injury 100 per cent completely resolved, then you can pull the trigger on the settlement at that time.

On the other hand, if it turns out that your injury does not fully resolve, and that you are left with a permanent injury, then fair compensation is likely multiple times the amount you have been offered for a temporary injury.

You will be able to insist on that much higher fair compensation, commensurate with the much more significant impact that a permanent injury will have on you over the course of your lifetime.

And don’t worry about the insurance company giving you a deadline to accept whatever low-ball offer they have put on the table—it’s a negotiation tactic as old as the hills that I confidently advise you to ignore.

Just Posted

Big Brother holds casting call in Kelowna

Hopefuls can audition Oct. 18

UBCO earn two golf All-Canadians

Kelowna - Samantha Copeland and Rebecca Reitsma earned national recognition

Second advance poll in West Kelowna

Oct. 16 marks the second advance poll which closes at 8 p.m.

Kelowna skeet shooter wins two world titles

Bob LaRue also stands alone as only certified Level 3 skeet shooting instructor outside U.S.

Kelowna mayoral candidates square off

Missing the LIVE Kelowna mayoral debate watch now

Boeser tallies in OT as Canucks beat Penguins 3-2

Vancouver wins without star rookie Pettersson

Mayor of Kamloops says ‘history has been made’ with vote on B.C.’s lone pot shop

The store to be run by the province in B.C.’s Interior is opening Wednesday as pot sales become legal across Canada

New bus route to ‘replace’ Greyhound along Trans-Canada Highway

Rider Express Transportation says they will soon begin a bus service from Winnipeg to Vancouver

U.S. pot firm urges Trump to deny Canadian producers ‘competitive advantage’

The challenge for U.S. firms lies in the fact that while recreational cannabis is legal in nine states and medicinal pot in 22 others, it remains illegal under federal law

Government says imprisoned Canadian terror suspects must face consequences

Public Safety Minister Ralph Goodale showed little sympathy Tuesday for such individuals who now want to return to Canada

How rules for inmate segregation in Canada will change under Bill C-83

Federal government proposing changes to rules around inmates in federal correctional institutions

UPDATE: B.C. man who swam naked with sharks arrested

David Weaver, of Nelson, will face mischief and assault charges

Canada Post union issues strike notice; rotating strikes could begin Monday

Union says rotating strikes will begin if agreements aren’t reached with bargaining units

Most Read