Accidents can happen to anyone, but for those with pre-existing health conditions or previous injuries, the impact can be particularly severe. If you’ve been involved in an accident that has aggravated a pre-existing condition, you might wonder if you’re still eligible to claim compensation.
Car accidents commonly lead to the worsening of pre-existing injuries because the impact can affect much of the body. The same can be true with an accident at work or a fall in a public place. The worsening of health issues can have a big consequence on day-to-day life. It can affect someone’s ability to work, earn money and look after themselves or their family properly.
But can you still hold the 3rd party liable even though you already had problems? Here we look at personal injury claims with a pre-existing condition – whether you can claim for a condition or injury that has been made worse. And how it can affect the settlement value of your personal injury compensation.
Understanding Pre-Existing Conditions in Personal Injury Claims
What is a Pre-Existing Condition?
A pre-existing condition is any health issue or injury that existed before the accident in question. This could include:
- Chronic illnesses (e.g., arthritis, diabetes)
- Previous injuries (e.g., old back injuries)
- Degenerative conditions (e.g., osteoporosis)
- Mental health issues (e.g., depression, anxiety)
The ‘Eggshell Skull’ Rule
In personal injury law, there’s a principle known as the ‘eggshell skull’ (also known as the ‘thin skull’) rule. This states that a defendant must take their victim as they find them. In other words, if someone with a pre-existing condition is more severely affected by an accident, the defendant is still liable for the full extent of the injuries, even if they’re more severe than they would be in a person without the pre-existing condition.
How Pre-Existing Conditions Affect Your Claim
You Can Still Claim Compensation
Having a pre-existing condition doesn’t prevent you from making a claim. You’re entitled to compensation for:
- New injuries caused by the accident
- Exacerbation or aggravation of your pre-existing condition
- Acceleration of symptoms you would have experienced anyway
Whether you are claiming for new or pre-existing injuries, the most important element of the claim remains the same: you must be able to demonstrate that someone else is liable for your accident and should have avoided it happening in the first place.
If you can prove liability, you can claim compensation for new and old injuries. Importantly, by making a claim, you may access further medical care that could well help you to recover more quickly.
Remember, if your situation has been worsened in an accident that was not your fault, you have every right to seek compensation for the distress, pain and effect that the outcome has on your life. This would also include mental health as well as physical conditions.
Impact on Compensation Amount
While you can still claim, your pre-existing condition may affect the amount of compensation you receive. The key is determining:
- Your condition before the accident
- How the accident has changed your condition
- What your condition would have been like without the accident
The Importance of Medical Evidence
Medical evidence is crucial in claims involving pre-existing conditions. You’ll need:
- Medical records from before the accident
- Expert medical opinions on how the accident has affected your condition
- Prognosis for your future health
What if an accident has only affected your pre-existing condition?
If your accident only affected your pre-existing condition, you can still make a claim. For example, if a chronic disease has become harder to live with since your accident, you have a right to compensation. It depends what impact it has had on your life. To make a strong case, your solicitor should look at the following:
- The cause of your condition
- Whether it has been worsened by your accident
- The level of increased pain and discomfort
- How your condition impacts your life
- Whether you’ve lost earnings because of the accident
- The financial cost of further treatment
The claims process is the same for new and pre-existing injuries. Our solicitor will get your authority to access medical records and then instruct experts to assess you. They will write a medical report evaluating the impact of the accident.
How Your Medical Records Can Affect Your Claim
Medical reports form the basis for your solicitor (and the insurers defending the claim) to discuss what level of compensation you should receive. However, evaluating the amount of compensation due can be a little more complex when claiming for a worsened pre-existing health condition or injury.
When a medical expert conducts a detailed examination, they may well find that the injured claimant has a pre-existing condition that would, in due course, have become an issue anyway. Therefore it is not possible to state that the long term implications of injury were caused by the accident. Of course, such an outcome from a medical is often unwelcome.
In these cases, experts are saying that the accident has simply caused an earlier onset of symptoms. Because of this, a claim can be made for the exacerbation of symptoms. However, the claimant cannot hold the defendant responsible for them in full.
Having said that, it’s not always the case that you would get a lower settlement than someone suffering a fresh injury. Indeed, it could be more, it all depends on the medical evidence available.
Types of Pre-Existing Conditions and Their Impact
Degenerative Conditions
For degenerative conditions like arthritis or spinal issues:
- You may be able to claim if the accident accelerated the onset of symptoms
- Compensation might be reduced to account for the natural progression of the condition
Previous Injuries
If you’ve re-injured a previously healed injury:
- You can claim for the new injury and any additional complications
- The compensation may be affected if you were more susceptible to injury
Mental Health Conditions
For pre-existing mental health issues:
- You can claim if the accident worsened your condition
- You may also claim for new mental health issues caused by the accident
Proving Your Claim with a Pre-Existing Condition
Be Honest About Your Medical History
- Disclose all pre-existing conditions to your solicitor
- Failure to disclose can severely damage your claim
Gather Comprehensive Medical Evidence
- Obtain all relevant medical records
- Attend all medical examinations arranged by your solicitor
Keep Detailed Records
- Document how the accident has affected your daily life
- Note any new symptoms or worsening of existing conditions
Challenges in Pre-Existing Condition Claims
Causation Issues
It can be challenging to prove that the accident, rather than the natural progression of your condition, caused your current symptoms.
Valuation Complexities
Determining the value of your claim can be more complex when pre-existing conditions are involved.
Insurance Company Tactics
Insurers may try to attribute all your symptoms to your pre-existing condition to reduce their liability.
How Direct2Compensation’s Solicitors Can Help
Our experienced personal injury solicitors can:
- Help gather and interpret medical evidence
- Argue effectively for the impact of the accident on your condition
- Navigate complex legal and medical issues
- Ensure you receive fair compensation
While having a pre-existing condition can complicate a personal injury claim, it doesn’t prevent you from seeking compensation. With proper medical evidence and expert legal representation, you can pursue a claim that fairly accounts for how the accident has affected your health and life. Remember, you have the right to compensation for any worsening of your condition caused by someone else’s negligence.
People living with pre-existing conditions often feel reluctant to claim due to being embarrassed. They may like to live life privately and do their best to hide their health problems from the outside world. Many feel (wrongly) that they may lose their job if their disability is discovered. They learn to work through it and manage their health issues. However, when the situation is worsened by an accident, it can become more difficult to hide the problem.
We’re used to handling these delicate issues. We work closely with claimants to give them the confidence to pursue their legal right to compensation.
It’s usually really quick for us to find out if you have a valid claim, just call us on 01225 430285, or we can call you back. We’ll listen to how your pre-existing condition was affected and advise you as to whether or not you have grounds to pursue a claim on a no win no fee basis.
If your symptoms haven’t worsened, it may be challenging to claim compensation. However, if the accident has prolonged your recovery, you might still have a case.
You can still claim. The ‘eggshell skull’ rule applies even if neither you nor the defendant knew about your condition.
The standard three-year limitation period applies, starting from the date of the accident or when you became aware that your condition worsened due to the accident.
Yes, your medical history relevant to the claim will be disclosed. However, this information is protected by confidentiality rules.
Yes, you can claim for the exacerbation of your condition, even if it had been in remission.
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