Rear ended whilst stationary

[Honestherbert]

I suppose what I am saying is I am not out "for all I can get" and until I was put in the situation I too looked down on those who put in claims for PI at the drop of a hat. But this isn't drop of a hat, and my reason for asking advice is quite simply the only experiences I have had of insurance companies and claims is negative ones where they try to offer half the price on the value of a car! only to pay a reasonable amount after months of negotiating. I don't want to have this situation with both my work van AND my loss of earnings.

Edited by Honestherbert on Friday 27th March 08:35

[funkyrobot]

Honestherbert said:

I suppose what I am saying is I am not out "for all I can get" and until I was put in the situation I too looked down on those who put in claims for PI at the drop of a hat. But this isn't drop of a hat, and my reason for asking advice is quite simply the only experiences I have had of insurance companies and claims is negative ones where they try to offer half the price on the value of a car! only to pay a reasonable amount after months of negotiating. I don't want to have this situation with both my work van AND my loss of earnings.

Edited by Honestherbert on Friday 27th March 08:35

The problem with PI relates to people claiming for anything and everything. If the system was used properly (you claimed if you genuinely were injured in an accident) I don't think it would now be a taboo subject.

[wibblebrain]

Did you pay for legal expenses cover when you took out your own insurance policy? If so maybe you should speak to them for advice.

[PurpleMoonlight]

LoonR1 said:

Because they want to get him into rehab and get someone medical onto his issues as soon as possible. The sooner this happens, the quicker the OP is fixed and the less it costs them overall.

Yeah, right.

Hey OP, Have the insurer offered you any private medical care by any chance? Bet not ....

[LoonR1]

PurpleMoonlight said:

Yeah, right.

Hey OP, Have the insurer offered you any private medical care by any chance? Bet not ....

It's comments like this that make SP&L a waste of time. I can bring advice and experience to threads like this, but posters like you would rather just shout st as loudly as possible.

[LoonR1]

Honestherbert said:

Firstly, thank you all for the replies, I appreciate that this is an issue that divides peoples opinions, including my own. However I would like to make it 100% clear that I am NOT interested in shafting Admiral for the fact I have a sore back and dragging this out for an extra £500 or whatever. I would rather be better and back to work earning money again, I run my own company with only one other employee who simply cannot cover the workload on his own, I am not interested in claiming loads for "personal injury" I just want to make sure I can recover the cost for my companies loss of earnings (circa £1000 per day turnover) and my medical expenses ( currently £28.50!) which admiral have told me will come under PI.

I will be informing them when they call today that I will be making a claim, although I have no idea when that claim will be as I am still in agony and don't know when the pain and stiffness in my back and neck will subside. We were supposed to be going away this weekend with friends to Norfolk, however this will no longer be happening due to me not being very comfortable sitting in a car for 2 hours! however this is not something I feel needs to be compensated, it was a weekend break and anything could have come up to stop it, kids unwell, work etc... so I don't think I am being unreasonable, I just don't want to be feeling like this for the next however many weeks and financially out of pocket too!

You're missig the point. It's not about going back with a fixed claim figure. Let them get you into rehab for your pain now at their cost, that's all part of the claim, but means you're not out of pocket. It's also helping to mitigate the cost of the claim. If you ignore their offer and then the daily claim of £1000 keeps growing then you're not helping yourself at all.

[Sheepshanks]

LoonR1 said:

PurpleMoonlight said:

Yeah, right.

Hey OP, Have the insurer offered you any private medical care by any chance? Bet not ....

It's comments like this that make SP&L a waste of time. I can bring advice and experience to threads like this, but posters like you would rather just shout st as loudly as possible.

The problem is that saying Admiral wanting to help him sounds like complete bks.

Admiral hassling him because they hope he'll jump at a full and final settle of a couple of grand and then they can forget about it seems much more likely.

[LoonR1]

Sheepshanks said:

The problem is that saying Admiral wanting to help him sounds like complete bks.

Admiral hassling him because they hope he'll jump at a full and final settle of a couple of grand and then they can forget about it seems much more likely.

It might sound like bks but it isn't. Hence why I said I can advise. I have a group of people who deal with claims like this daily. We tend to settle 10-15% higher on these claims as we're not coughing up £600 in sols fees plus a load of spurious special damages.

[thescamper]

Admiral are wanting to mitigate their losses, OP next time they call explain whats happening to you and what your daily losses are and see what they are actually offering.

The incident to my misses had the third parties insurers (NFU)offering physio and medical care at their expense, we didn't take them up on it because due to the tardiness of their insured we had already arranged it through our insurer.

Talking to them won't jeopardise the final outcome but may get you fixed quicker.

[carinaman]

Your accident sounds nasty. I hope you get it sorted out.

[Honestherbert]

LoonR1 said:

You're missig the point. It's not about going back with a fixed claim figure. Let them get you into rehab for your pain now at their cost, that's all part of the claim, but means you're not out of pocket. It's also helping to mitigate the cost of the claim. If you ignore their offer and then the daily claim of £1000 keeps growing then you're not helping yourself at all.

Apologies, but how am I missing the point?? I haven't been offered any form of rehab? or offered anything to be honest? I appreciate your posting on this thread as you obviously do this as a profession, and am not being pedantic in any way,at least not intentionally!

[LoonR1]

If you talk to Admiral amd say you're hurting and would appreciate them helping you, then they will. It won't jeopardise your claim. Admiral know they're liable amd will do everything they can to help you recover, as it is cheaper for them in the long run, as well as being better for you.

Stop thinking of a claim as a one off lump sum and instead think of it as an ongoing support mechanism to help you recover. Any "compensation" is paid at the end of that chain of events, but support and them carrying the financial burden happens all the way through this process.

[Honestherbert]

PurpleMoonlight said:

Yeah, right.

Hey OP, Have the insurer offered you any private medical care by any chance? Bet not ....

No, not at all, they just keep ringing and asking if I intend to put in a claim for personal injury, and when I have said that I don't know yet as it is too soon, ring back the next morning to ask the same question. I did ask if I could claim back my costs for the diazepam and codiene but the girl said she had to put me on hold to speak to her supervisor, she came back saying they certainly would, but would like to pay in one lump sum all at once, not for each and every time I have an expense which is fair enough.

[Sheepshanks]

Honestherbert said:

.....but would like to pay in one lump sum all at once, not for each and every time I have an expense which is fair enough.

How odd that that's completely the opposite of what LoonR1 said...

[LoonR1]

Sheepshanks said:

How odd that that's completely the opposite of what LoonR1 said...

Hmmmm. We'll see what they say to the question of rehab. They don't want to be raising cheques for £20. They'd rather pay for 10 physio sessions in one hit and so on

[DAN TEMPLE]

Mmh, in my experience the insurance company has been reasonable in settling if the car has been written off. The PI claim should be just for that a PI. Codeine and Diazepam seem hard core from the start. Diazepam has a half life clinically of around 20 mins, so would suggest something longer acting if it is bad. Also unless you have a contraindication I would ask the GP for something different to Codeine, it's excellent for chronic pain but a non steroidal is probably for acute issues. Should be better data on insurance company performance on claims, that's what counts. Now some entrepreneurs amongst you should set up a website that reveals how much a particular company pays out, at least then we the general public can see whether we are likely to get market value for our pride and joy if the worst happens.

[LoonR1]

DAN TEMPLE said:

Mmh, in my experience the insurance company has been reasonable in settling if the car has been written off. The PI claim should be just for that a PI. Codeine and Diazepam seem hard core from the start. Diazepam has a half life clinically of around 20 mins, so would suggest something longer acting if it is bad. Also unless you have a contraindication I would ask the GP for something different to Codeine, it's excellent for chronic pain but a non steroidal is probably for acute issues. Should be better data on insurance company performance on claims, that's what counts. Now some entrepreneurs amongst you should set up a website that reveals how much a particular company pays out, at least then we the general public can see whether we are likely to get market value for our pride and joy if the worst happens.

Eh? How's the amount paid out going to help you? It'll be an aggregated figure at best, as any granular data would be potentially sharing sensitive data both commercially and possibly a risk to DPA if an individual or their (former) assets could be identified via it.

Edited by LoonR1 on Saturday 28th March 08:27

[Don]

Honestherbert said:

Firstly, thank you all for the replies, I appreciate that this is an issue that divides peoples opinions, including my own. However I would like to make it 100% clear that I am NOT interested in shafting Admiral for the fact I have a sore back and dragging this out for an extra £500 or whatever. I would rather be better and back to work earning money again, I run my own company with only one other employee who simply cannot cover the workload on his own, I am not interested in claiming loads for "personal injury" I just want to make sure I can recover the cost for my companies loss of earnings (circa £1000 per day turnover) and my medical expenses ( currently £28.50!) which admiral have told me will come under PI.

I will be informing them when they call today that I will be making a claim, although I have no idea when that claim will be as I am still in agony and don't know when the pain and stiffness in my back and neck will subside. We were supposed to be going away this weekend with friends to Norfolk, however this will no longer be happening due to me not being very comfortable sitting in a car for 2 hours! however this is not something I feel needs to be compensated, it was a weekend break and anything could have come up to stop it, kids unwell, work etc... so I don't think I am being unreasonable, I just don't want to be feeling like this for the next however many weeks and financially out of pocket too!

I feel for you. When I got hit by a car (I was on my bike at the time) I got thrown in the air and knocked for six. Years later I still suffer back and neck pain that will never, ever be fixed.

Didn't claim a bean off the bloke. Couldn't be sure if it was my or his fault. Too shocked to remember.

In your case there's no doubt where the blame lies. I would make sure that you do not lose out financially, if you can.

[Honestherbert]

DAN TEMPLE said:

Mmh, in my experience the insurance company has been reasonable in settling if the car has been written off. The PI claim should be just for that a PI. Codeine and Diazepam seem hard core from the start. Diazepam has a half life clinically of around 20 mins, so would suggest something longer acting if it is bad. Also unless you have a contraindication I would ask the GP for something different to Codeine, it's excellent for chronic pain but a non steroidal is probably for acute issues. Should be better data on insurance company performance on claims, that's what counts. Now some entrepreneurs amongst you should set up a website that reveals how much a particular company pays out, at least then we the general public can see whether we are likely to get market value for our pride and joy if the worst happens.

I don't yet know if my van will be written off, I have heard nothing in regards to the assessors decision since they took it. I did receive a text message to say it had arrived at the bodyshop later that afternoon though. I highly suspect it will be written off as it was a £3.5k van and I'm sure the labour rates and use of new genuine parts will deem it financially uneconomical to repair.

[Paul Dishman]

DAN TEMPLE said:

Codeine and Diazepam seem hard core from the start. Diazepam has a half life clinically of around 20 mins, so would suggest something longer acting if it is bad. Also unless you have a contraindication I would ask the GP for something different to Codeine, it's excellent for chronic pain but a non steroidal is probably for acute issues.

Where did you get that information from, and what are your qualifications for giving advice?