Fiona was crossing the road at a marked pedestrian crossing in Limerick on an ordinary Tuesday afternoon when a car ran a red light and struck her. The impact was sudden and shocking. She fell hard, and the pain in her leg was immediate and severe. Paramedics arrived within minutes, and she was taken to hospital where X-rays confirmed a fractured ankle. The injuries were significant enough to require surgery and months of rehabilitation.
Beyond the broken bone, Fiona also suffered scarring from the impact—visible marks that affected how she felt about herself. She missed work while she recovered, struggled with physiotherapy, and worried about whether her ankle would ever feel normal again. The medical costs started adding up: hospital bills, ongoing treatment, physio sessions, and specialist appointments. She knew she hadn't caused the accident and felt that whoever was responsible should help cover what it had cost her.
Fiona decided to pursue a personal injury claim. Her legal representative gathered evidence from the accident scene, witness statements, hospital records, and expert medical opinions about her injuries and future care needs. The other driver's insurance company eventually accepted liability. Rather than go to court, they reached a settlement that covered Fiona's past medical expenses, lost wages, pain and suffering—and importantly, it also included a sum to cover future medical costs related to her ankle and the scarring. This gave her peace of mind knowing that if she needed additional treatment down the line, the money would be there.