The Personal Injury Blog

Pre-medical offers – What are they and should you accept them?

It is all too common for insurers to make pre-medical offers to injured people soon after their accidents. Whilst this may seem tempting for clients, generally, we would never advise acceptance of these offers.

What is a Pre-medical offer?

Pre-medical offers are offers of settlement from insurers made without seeing any medical evidence which would enable us to value a claim. Accepting a pre-medical offer is usually very risky and if you do so you could be severely under-settling your claim.

If an insurer makes an offer to you directly, you should consult an experienced injury lawyer straight away as you may recovery much more than the offer. A recent case highlights the huge difference between some insurers’ offers and the true value of a case.

Should I accept?

This week, I settled a case for a woman who had fallen over as a result of a defect in the pavement and injured her shoulder . Liability was admitted at the outset and the Defendant’s insurer quickly put forward a pre-medical offer in the sum of £1,800.00. The Claimant was very tempted to take this offer but followed our advice and refused it.

We later obtained a medical report which confirmed that the injury to the Claimant’s shoulder was more serious than originally thought as she had suffered a tear of her rotator cuff muscle. After providing our client with physiotherapy (paid for by the opponent’s insurers) which helped her make a full recovery, we secured a settlement in the sum of £14,000.00, some £12,200 more than the pre-medical offer!

Whilst pre-medical offers are very tempting, we always advise clients that without medical evidence it is extremely difficult to accurately value a claim. If our client had accepted the pre-medical offer, she would not have been able to undergo privately-funded rehabilitation and would have severely under-settled her claim.

Our advice is always to think very carefully before accepting any offer from an insurer and always seek advice from an experienced personal injury solicitor.

Should you have been involved in an accident and suffered injury, please do not hesitate to contact us on 0114 218 4000 or email initial free consultation.


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