As a waiter scalded by a hot drink I wanted to make a compensation claim but was unexpectedly approached by an insurance company with a direct offer of compensation. Should I accept?
In this scenario you are best advised to have the offer of compensation assessed by an independent personal injury solicitor to determine whether it is appropriate, as it may be in your best interests to reject the offer and to pursue a higher amount of waiter scalded by hot drink compensation.
It is important to be aware that insurance companies do not usually offer the full entitlement of compensation in a claim for a scalding directly to the burn victim. In return for the quick compensation settlement, the claimant usually must accept a lower amount than they would receive if they pursued the claim further. It is also unlikely that the insurance company will be aware of the full extent of your injury, as the insurer cannot access your medical records. The costs of treatment and other expenses you have incurred are also unlikely to be known and will not have been factored into the settlement offered to you as a waiter scalded by a hot drink.
Please be aware that once you accept a direct offer of compensation you cannot go back and seek more money if complications arise from your injury at a later date. Therefore it is important that you speak with a personal injury solicitor first to ensure you are aware of the potential value of your claim for a scalding.
Your solicitor will be able to advise whether it is in your best interests to accept or reject the direct offer of compensation for a burn injury. You should also note that speaking with a personal injury solicitor does not mean you will be obliged to pursue a compensation claim for a waiter scalded by a hot drink and you can still accept the insurance companies direct offer if you wish, however you should only make that decision once you are aware of the potential value of your claim to ensure that you can make an informed decision.