Is there a minimum speed for a whiplash claim?
Discussion
Find out where the tosser lives and put his head through a few windows just to "make sure" it's genuine whiplash. 
This kind of thing is what undermines the genuine cases. My fiancée was driving my old car when a luton van rolled onto it on a roundabout. THAT is how you get whiplash, not via a f
king parking scrape. 
This kind of thing is what undermines the genuine cases. My fiancée was driving my old car when a luton van rolled onto it on a roundabout. THAT is how you get whiplash, not via a f
king parking scrape. 750turbo said:
Because some people know the difference between right and wrong, irrespective of who is paying.
This really is a piss boiler and the sooner it is clamped down, and the scumbag ambulance chasers sorted out the better.
Not a personal dig lookingforajob, just my gut feeling, which is "normally" fairly sound.
I can't disagree with anything you are saying - it's all sound. But ultimately I think there are bigger things to worry about in the world. This is a motoring forum so it's fair game to talk about motoring issues - but it seems like rather than "speed matters" it should be "insurance matters". This really is a piss boiler and the sooner it is clamped down, and the scumbag ambulance chasers sorted out the better.
Not a personal dig lookingforajob, just my gut feeling, which is "normally" fairly sound.
I'd rather get upset about things I can actually change, and things which will make a massive difference to the world if I can. Saving the average person 50p on insurance doesn't cut it for me.
lookingforajob said:
Why do you care?
If an insurance claim if for £200 or £200k your insurance increases by the same amount, and you lose the same amount of NCB.
In an ideal world people wouldn't pull scams and everyone would be slightly better off. But it's not an ideal world and it's not ever going to be. Getting upset about this isn't going to do anything positive. The only people who should really get upset are insurance companies, and they have plenty of power behind them to change things if they really really wanted too.
Every insurer ive ever used weights premium on the value of a claim. If an insurance claim if for £200 or £200k your insurance increases by the same amount, and you lose the same amount of NCB.
In an ideal world people wouldn't pull scams and everyone would be slightly better off. But it's not an ideal world and it's not ever going to be. Getting upset about this isn't going to do anything positive. The only people who should really get upset are insurance companies, and they have plenty of power behind them to change things if they really really wanted too.
eltax91 said:
Hi guys
'Er indoors had a little bump in her QQ. She was at the filling station and was dealing with a screaming nipper and inadvertently let the car roll backwards and into the modeo which had arrived at the pump behind.
She said it was a minor tap and that she has caused no damage to either vehicle, apart from a very small crack in the front bumper of the mondeo. She estimates the speed to be less than walking pace, says she was rolling for less than 6 feet. It's not a steep forecourt, just has an incline on it
The problem is, the old boy driving was quite calm, but his son jumped out of the car holding his neck and shouting/ swearing at my wife and baby. Also levelled at her she was a terrible mother as he wouldn't ever crash with his kids in the car. He then started kicking at the bumper trying to suggest it was severely damaged and phoned his body shop friend to say it needed and entire new front end. My wife took picture of the damage, it looks like nothing.
Anyway, what I wanted to know was, is there any way this chancer will be able to claim whiplash? Of course it would push the claim value up so I'm sure that won't help her premiums.
Surely at such a low speed the insurers will rebuke any claim?!
Reading this post has given me whiplash, lol.'Er indoors had a little bump in her QQ. She was at the filling station and was dealing with a screaming nipper and inadvertently let the car roll backwards and into the modeo which had arrived at the pump behind.
She said it was a minor tap and that she has caused no damage to either vehicle, apart from a very small crack in the front bumper of the mondeo. She estimates the speed to be less than walking pace, says she was rolling for less than 6 feet. It's not a steep forecourt, just has an incline on it
The problem is, the old boy driving was quite calm, but his son jumped out of the car holding his neck and shouting/ swearing at my wife and baby. Also levelled at her she was a terrible mother as he wouldn't ever crash with his kids in the car. He then started kicking at the bumper trying to suggest it was severely damaged and phoned his body shop friend to say it needed and entire new front end. My wife took picture of the damage, it looks like nothing.
Anyway, what I wanted to know was, is there any way this chancer will be able to claim whiplash? Of course it would push the claim value up so I'm sure that won't help her premiums.
Surely at such a low speed the insurers will rebuke any claim?!
Sounds shaken up. There may be a counterclaim for verbal assualt and psychological injury?
Hi
Thanks for the replies. No chance of making any silly claims about who hit who. She has paid the excess and admitted liability already.
To the person who asked why I care? 2 reasons.
Firstly the principle of the matter and secondly I was under the impression that they ask if parties were injured and what the value of the claim was. I assumed this then gets pushed into the random number generator and an increased premium would be kicked out for a 8k claim vs say a 1k claim?? Wrong?
Thanks for the replies. No chance of making any silly claims about who hit who. She has paid the excess and admitted liability already.
To the person who asked why I care? 2 reasons.
Firstly the principle of the matter and secondly I was under the impression that they ask if parties were injured and what the value of the claim was. I assumed this then gets pushed into the random number generator and an increased premium would be kicked out for a 8k claim vs say a 1k claim?? Wrong?
eltax91 said:
Hi
Thanks for the replies. No chance of making any silly claims about who hit who. She has paid the excess and admitted liability already.
To the person who asked why I care? 2 reasons.
Firstly the principle of the matter and secondly I was under the impression that they ask if parties were injured and what the value of the claim was. I assumed this then gets pushed into the random number generator and an increased premium would be kicked out for a 8k claim vs say a 1k claim?? Wrong?
In my experience thats not how it worked. I never knew the value of my claim, when I said this to insurers I was asked to give a best guess. I was told the amount makes no difference to the quote. Not all insurers are the same - but that was from 4 of the well known ones (I change every year to save money because I'm tight). Thanks for the replies. No chance of making any silly claims about who hit who. She has paid the excess and admitted liability already.
To the person who asked why I care? 2 reasons.
Firstly the principle of the matter and secondly I was under the impression that they ask if parties were injured and what the value of the claim was. I assumed this then gets pushed into the random number generator and an increased premium would be kicked out for a 8k claim vs say a 1k claim?? Wrong?
I'm not saying you shouldn't be annoyed. I agree it's wrong. I just don't see the value in getting upset, when it will make very little difference to you and you arn't likely to change the outcome either way.
Hope your Mrs is okay. Personally I'd be more furious at someone swearing infront my kid. I'd find it hard to keep my cool if I heard that!
I'm not upset about it. But I thought it a little far fetched to be claiming whiplash at rolling speeds.
I'm extremely angry about the way he spoke to my wife and called into question her capabilities as a mother. I'm out of the country so having her teary on the phone wasn't easy. I'm tempted to pop around and express my discontent to him in person mind.
She is fine though, she's not so powerfully built company director with 60+ staff, so she can handle herself in a verbal off with some moron.
I'm extremely angry about the way he spoke to my wife and called into question her capabilities as a mother. I'm out of the country so having her teary on the phone wasn't easy. I'm tempted to pop around and express my discontent to him in person mind.
She is fine though, she's not so powerfully built company director with 60+ staff, so she can handle herself in a verbal off with some moron.
eltax91 said:
I'm not upset about it. But I thought it a little far fetched to be claiming whiplash at rolling speeds.
I'm extremely angry about the way he spoke to my wife and called into question her capabilities as a mother. I'm out of the country so having her teary on the phone wasn't easy. I'm tempted to pop around and express my discontent to him in person mind.
She is fine though, she's not so powerfully built company director with 60+ staff, so she can handle herself in a verbal off with some moron.
In that case move on with your life. Going around there is at best going to get an apology, at worst it will get you into a fight either being hurt or possibly arrested. Let the insurance do their thing and don't worry about it. If he's a scummer he will make your life difficult, avoid contact at all costs. Just my opinion, for what it's worth. I'm extremely angry about the way he spoke to my wife and called into question her capabilities as a mother. I'm out of the country so having her teary on the phone wasn't easy. I'm tempted to pop around and express my discontent to him in person mind.
She is fine though, she's not so powerfully built company director with 60+ staff, so she can handle herself in a verbal off with some moron.
eltax91 said:
but his son jumped out of the car holding his neck and shouting/ swearing at my wife and baby.
That sounds like threatening behaviour. I'd report it to the police immediately. I'm sure your wife could be traumatised by his actions, and should really see her doctor, get some sleeping pills or tranquilizers to calm her down. Then she needs to see a solicitor about claiming for the trauma he put her thru with his aggressive behaviour Symptoms of whiplash normally take between 6-12 hours to manifest themselves. If I were you I'd carry on with life and let him sod about trying to scam money out of your insurer. Probably cause more hassle to him doing all that, in the meantime you guys just laugh him off as a buffoon, go out, have a nice dinner together and take in a movie 
.
.I know someone who 'nudged' the back of a car at very low speed in heavy traffic. The other driver later (a few days) claimed whiplash. Engineer called in and he said no damage to either vehicle. Independent doctor said no apparent injury. Insurance fought case and it went to court, the ruling was £1500 for whiplash. Nothing to pay for vehicles as no damage.
£6000 for legal fees added plus insurance company had £4000 in their costs. Total cost £11500.
Why bother if the courts do this, the legal bods got their bit? No wonder insurance is going up.
£6000 for legal fees added plus insurance company had £4000 in their costs. Total cost £11500.
Why bother if the courts do this, the legal bods got their bit? No wonder insurance is going up.
If they want to take that angle I'd just claim they drove into the back you...don't even mention it to your insurance co yet until they contact you the they won't have the CCTV either. You'll then be able to say that you hadn't planned to take it further as no damge to you and thus not reported...
Fire with fire, then it'll teach them if they're being a and swearing/shouting in front of your kid I'd love to get one over on them, morally wrong or not...feel free to post £100 cash to their address to cover a smart repair if you feel bad.
Fire with fire, then it'll teach them if they're being a
and swearing/shouting in front of your kid I'd love to get one over on them, morally wrong or not...feel free to post £100 cash to their address to cover a smart repair if you feel bad.lookingforajob said:
eltax91 said:
Hi
Thanks for the replies. No chance of making any silly claims about who hit who. She has paid the excess and admitted liability already.
To the person who asked why I care? 2 reasons.
Firstly the principle of the matter and secondly I was under the impression that they ask if parties were injured and what the value of the claim was. I assumed this then gets pushed into the random number generator and an increased premium would be kicked out for a 8k claim vs say a 1k claim?? Wrong?
In my experience thats not how it worked. I never knew the value of my claim, when I said this to insurers I was asked to give a best guess. I was told the amount makes no difference to the quote. Not all insurers are the same - but that was from 4 of the well known ones (I change every year to save money because I'm tight). Thanks for the replies. No chance of making any silly claims about who hit who. She has paid the excess and admitted liability already.
To the person who asked why I care? 2 reasons.
Firstly the principle of the matter and secondly I was under the impression that they ask if parties were injured and what the value of the claim was. I assumed this then gets pushed into the random number generator and an increased premium would be kicked out for a 8k claim vs say a 1k claim?? Wrong?
I'm not saying you shouldn't be annoyed. I agree it's wrong. I just don't see the value in getting upset, when it will make very little difference to you and you arn't likely to change the outcome either way.
Hope your Mrs is okay. Personally I'd be more furious at someone swearing infront my kid. I'd find it hard to keep my cool if I heard that!
Getting upset helps nobody and doesn't make a difference to the cool little payday these boys are looking forward to thanks to your wife.
It isn't fair. It isn't honest. They will win. I got screwed out of over £2000 because I naively assumed honesty from an establishment. One of those situations where it would've cost me more to get a solicitor litigating on my behalf than the whole claim was worth even if found in my favor, but enough for the other party to start court proceedings against me and send bailiffs.
I had appealed with evidence to every free avenue open to me but the other party was very cunning in that they simply lied to the officials and rulings always went in their favor.
Having had whiplash, I didn't feel the effects for about an hour apart from a dead arm caused by my seat bolster. I got out of my vehicle fine and helped the lady that hit me out of her car as she was covered in airbag dust and trying to restart her vehicle... I call BS on his whiplash claim and if it was my wife and child he was screaming at I would be paying him a visit, followed by him apologising to my wife on my mobile...
rongagin said:
I know someone who 'nudged' the back of a car at very low speed in heavy traffic. The other driver later (a few days) claimed whiplash. Engineer called in and he said no damage to either vehicle. Independent doctor said no apparent injury. Insurance fought case and it went to court, the ruling was £1500 for whiplash. Nothing to pay for vehicles as no damage.
£6000 for legal fees added plus insurance company had £4000 in their costs. Total cost £11500.
Why bother if the courts do this, the legal bods got their bit? No wonder insurance is going up.
It's cheaper to pay out than to litigate in the vast majority of cases. The insurers' overriding responsibility is to minimise their outgoings, not to consider the insured and what outcome they want.£6000 for legal fees added plus insurance company had £4000 in their costs. Total cost £11500.
Why bother if the courts do this, the legal bods got their bit? No wonder insurance is going up.
£10k over the original (I assume?) £1500 claim is going some though (and sadly I don't doubt it)!!
(or 
)Good to see a couple of keyboard warriors in this thread, and a troll
(not you, rongagin ).Is there a minimum speed for whiplash claims? I'd suggest zero mph, just to cover all those whose cars get damaged while parked and the owners/insured drivers are away from them (in bed, sat down watching the TV etc), who then get offered free money regularly for several years because of "the injuries you received in that accident you had"...
lemonslap said:
Having had whiplash, I didn't feel the effects for about an hour apart from a dead arm caused by my seat bolster. I got out of my vehicle fine and helped the lady that hit me out of her car as she was covered in airbag dust and trying to restart her vehicle... I call BS on his whiplash claim and if it was my wife and child he was screaming at I would be paying him a visit, followed by him apologising to my wife on my mobile...
+1I was rearended on the motorway whilst stationary, I felt fine for a few hours and then gradually got to the point about 6 hours later where I couldn't look up/down/left/right.
No chance of this lad actually having whiplash symptoms immediately after a small bump.
I was under the impression the impact speed had to be greater than 5/6mph for any whiplash claims now?
Just to add to the above, had a low impact bump recently (was rear ended at traffic lights) and despite head bouncing forwards and backwards, my neck didn't hurt at the time. Mostly pain was to elbow of right arm which was holding the wheel. Neck felt a bit stiff approx 1-2 hours later, but vanished after that with no lasting effects.
Just to add to the above, had a low impact bump recently (was rear ended at traffic lights) and despite head bouncing forwards and backwards, my neck didn't hurt at the time. Mostly pain was to elbow of right arm which was holding the wheel. Neck felt a bit stiff approx 1-2 hours later, but vanished after that with no lasting effects.
Edited by CallorFold on Monday 28th July 13:45
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