Can anyone advise me on this as I can't find any info through Google that is relevant to my particular circumstances. In March 2011 I was T-Boned by a car who did a u-turn from being parked on the side of the road. I claimed on their insurance for the bike and got it fixed up. Health wise I had a sore left shoulder and my physio diagnosed a mild AC tear. About a month later my right hand shoulder had the same pain and I started treatment for it at physio. Since then the pain got worse and worse. After about 6 months I eventually got scans and was diagnosed with torn labrum on my right shoulder, most likely from a dislocated shoulder. I've never dislocated my shoulder and the pain only started after the accident. Now, since that diagnosis it continued to get worse until I ended up having surgery in April. Now I'm on the mend but adding up the costs, I have paid out about $8000 in physio, scans, doctors and surgery. I'm self employed so have had to take time off too. At the time of the accident I looked into making a CTP claim against the driver, but it involved so much paperwork I gave up, thinking it wasn't worth it. Hindsight is a great thing So, the question is can I go back to the insurance company and make a claim for medical costs resulting from the accident. My physio and surgeon would back the claim and my medical records all list the accident and dates when I reported the pain.