pathetic whip lash claims
Discussion
McSam said:
Fastdruid said:
pork911 said:
Fastdruid said:
I had one some years ago, the accident was totally my fault, I failed to spot a car lost in my A-pillar blind spot at a roundabout and hit them in the side.
Admittedly it did make a mess of their car (and thankfully no passenger)
Anyway what annoyed me was the claim for whiplash backed up with a statement and "case studies" going on about how "neck injuries could be caused from rear impacts, blah, blah, blah". I hit her in the side! There was no rear impact. No airbags went off etc. It was from my point of view a very gentle crash due to the relative motion, it just spun her round.
I told the insurance company I thought it was bogus but tbh didn't push it too hard.
very gentle?Admittedly it did make a mess of their car (and thankfully no passenger)
Anyway what annoyed me was the claim for whiplash backed up with a statement and "case studies" going on about how "neck injuries could be caused from rear impacts, blah, blah, blah". I hit her in the side! There was no rear impact. No airbags went off etc. It was from my point of view a very gentle crash due to the relative motion, it just spun her round.
I told the insurance company I thought it was bogus but tbh didn't push it too hard.
I'll grant that the impact was probably slightly less severe than it looks because even modern cars are not good at dealing with side impact, but you certainly can't use the airbags not deploying to "prove" it was too gentle to injure someone!
She was totally fine at the scene btw. Obviously true whiplash can come on a day or later so it could have been true. It wasn't caused by a REAR impact as claimed though.
I meant my airbags btw not hers. It was just a Rover it probably didn't even have side airbags.
PanzerCommander said:
J4CKO said:
I wonder how banger racers go on with whiplash ?
https://www.youtube.com/watch?v=Fe_DRcUR1CM
Ok, they usually have some sort of neck guard but you see the cars get utterly annihilated and they jump out seemingly none the worse for it, then come back next week for more.
Perhaps it shows what a nation of colossal wimps we have become, I blame that bloody Underdog.
This is the crux of the matter; no win, no fee. It has always (as far as I am aware) been possible to sue for damages following a collision, same as medical negligence and all the other no win, no fee firms that have appeared in recent times. However, the rise of the risk free claim process has meant that more people are able to do it. Because of this as other posters have said it appears to be a method of getting "free money" because whiplash doesn't show on scans or x-rays it’s impossible to disprove if a doctor says "you have whiplash" and signs a form to say that.https://www.youtube.com/watch?v=Fe_DRcUR1CM
Ok, they usually have some sort of neck guard but you see the cars get utterly annihilated and they jump out seemingly none the worse for it, then come back next week for more.
Perhaps it shows what a nation of colossal wimps we have become, I blame that bloody Underdog.
pork911 said:
You didn't have to have that car but regardless that's a low daily rate so presumably not a credit hire by you or your wife?
It was a company car and I did try to refuse it to be honest. As it was our company insurance dealing with it and the third parties insurance I was told it was the norm and to take it. At the point of collecting the car the third party told the insurer that she was not at fault, but they accepted she was so I was not wanting a big bill later if they changed their minds.Once I had the car there was no urgency to repair mine which upped the bill somewhat.
Fastdruid said:
I had one some years ago, the accident was totally my fault, I failed to spot a car lost in my A-pillar blind spot at a roundabout and hit them in the side.
Admittedly it did make a mess of their car (and thankfully no passenger)
Anyway what annoyed me was the claim for whiplash backed up with a statement and "case studies" going on about how "neck injuries could be caused from rear impacts, blah, blah, blah". I hit her in the side! There was no rear impact. No airbags went off etc. It was from my point of view a very gentle crash due to the relative motion, it just spun her round.
I told the insurance company I thought it was bogus but tbh didn't push it too hard.
Personally with that level of contact whiplash is more than believable. Admittedly it did make a mess of their car (and thankfully no passenger)
Anyway what annoyed me was the claim for whiplash backed up with a statement and "case studies" going on about how "neck injuries could be caused from rear impacts, blah, blah, blah". I hit her in the side! There was no rear impact. No airbags went off etc. It was from my point of view a very gentle crash due to the relative motion, it just spun her round.
I told the insurance company I thought it was bogus but tbh didn't push it too hard.
The statement about rear contact a bit wrong, but I'd imagine a side impact could be worse as you have nothing to stop the body moving.
When someone rams your rear you will be jolted back into the seat.
When someone hits your side you haven't got any support.
Purity14 said:
My best one which I posted a few years ago, was a woman who knocked me off my bike, and my costs were 85 for a new wing mirror and some touch up paint, I didn't claim for injuries.
She denied liability against all evidence and it went 50/50.
Her car was a write off(my knee bent the inner wing of her car apparently) and she suffered injuries which rendered her having to be bathed by her parents as she was unable to wash herself.
There were pictures of her on her facebook; "Zorbing", scuba diving(including timestamped video), dancing on holiday in turkey, and rising rollercoasters only weeks after her accident. During which time her statement said she was immobile.
She got about 5k for injuries in the end according to her facebook, and £1500 for the car.
Ended up being £85 for me vs £6500 for her, then add the solicitor fees.
Insurance didn't pursue fraud because it wasn't in the best interests of the company.
As she had no assets, or any money to recover.
That boils my p**s! Insurance company won't pursue because she has no assets..... but they gave her the money in the first place.She denied liability against all evidence and it went 50/50.
Her car was a write off(my knee bent the inner wing of her car apparently) and she suffered injuries which rendered her having to be bathed by her parents as she was unable to wash herself.
There were pictures of her on her facebook; "Zorbing", scuba diving(including timestamped video), dancing on holiday in turkey, and rising rollercoasters only weeks after her accident. During which time her statement said she was immobile.
She got about 5k for injuries in the end according to her facebook, and £1500 for the car.
Ended up being £85 for me vs £6500 for her, then add the solicitor fees.
Insurance didn't pursue fraud because it wasn't in the best interests of the company.
As she had no assets, or any money to recover.
Edited by Purity14 on Wednesday 20th August 08:32
How about spending a few quid investigating *before* parting with the cash in the first place! And then to claim she has no assets..... no, not until the insurance company bloody gave her some!
Tuvra said:
I was in a non fault accident a few weeks back, basically I was following a lorry that came to a sudden stop, lorry then decides to put his reversing lights on, held the horn down, lorry kept coming, couldn't find reverse quick enough then and he bumped the front of the car.
I had to fight tooth and nail to get a decent courtesy car out of them (tried sending me a 1.6 LX Focus for a 2013 Focus ST3), eventually got a GT86 out of them.
To this day (5 weeks later) I am still getting letters and phone calls asking me if I had suffered any injuries, other losses etc
Annoys me that I had to fight for two days to get what I was due (decent courtesy car) and yet these b
ds are still trying to drive up the claim with bullst compensation claims 
Struggling to find sympathy for you on this one.I had to fight tooth and nail to get a decent courtesy car out of them (tried sending me a 1.6 LX Focus for a 2013 Focus ST3), eventually got a GT86 out of them.
To this day (5 weeks later) I am still getting letters and phone calls asking me if I had suffered any injuries, other losses etc
Annoys me that I had to fight for two days to get what I was due (decent courtesy car) and yet these b
ds are still trying to drive up the claim with bullst compensation claims Hardly like for like is it, you drive a 5 door hatch (which they supplied) but you fought "tooth and nail" to get a two seater coupe.
No wonder insurance prices are going up.
How about, in the event of a whiplash claim, the insurance company write to the claimant with a list of authorised [-]repairers[/] physiotherapists and tell the claimant that they should pay for treatment and then send the receipts to the insurer who will reimburse them.
Surely that would cut out spurious claims and cost 60p (how much do stamps cost these days?) per claim.
Surely that would cut out spurious claims and cost 60p (how much do stamps cost these days?) per claim.
richatnort said:
Crash was in Sheffield on the A61 and i was in a black Civic. If anyone wants any pictures i'll pop them up.
I was honest as well and said 100% my fault which i could of said oh he slammed them on or what ever and gone 50/50. To some people they probably think oh great a crash i'll claim and put that money towards a holiday. I've got the persons number and soo tempted to ring him and have a massive go.
I'm not looking forward to the end claim. I had protected no claims but i very much doubt it'll make a difference. I'll probably be looking at a 20k claim after all this bullst whiplash
Did you consider that they may have genuine whiplash injuries and be in pain and have lost time at work because of your carelessness? Not everyone is a billy bullsI was honest as well and said 100% my fault which i could of said oh he slammed them on or what ever and gone 50/50. To some people they probably think oh great a crash i'll claim and put that money towards a holiday. I've got the persons number and soo tempted to ring him and have a massive go.
I'm not looking forward to the end claim. I had protected no claims but i very much doubt it'll make a difference. I'll probably be looking at a 20k claim after all this bulls
t whiplash tter and if you rear ended them hard enough to break the bumper of their car then it's quite feasible they have whiplash problems.Hackney said:
How about, in the event of a whiplash claim, the insurance company write to the claimant with a list of authorised [-]repairers[/] physiotherapists and tell the claimant that they should pay for treatment and then send the receipts to the insurer who will reimburse them.
Surely that would cut out spurious claims and cost 60p (how much do stamps cost these days?) per claim.
That's fine and dandy but in my case it took 13 months to sort out my not-at-fault claim. Why should I be out of pocket for 13 months before getting my money back?Surely that would cut out spurious claims and cost 60p (how much do stamps cost these days?) per claim.
J4CKO said:
I wonder how banger racers go on with whiplash ?
https://www.youtube.com/watch?v=Fe_DRcUR1CM
Ok, they usually have some sort of neck guard but you see the cars get utterly annihilated and they jump out seemingly none the worse for it, then come back next week for more.
Perhaps it shows what a nation of colossal wimps we have become, I blame that bloody Underdog.
Don't forget though that in banger racing the drivers will be ready, to some degree, for an impact. If you're sitting in traffic minding your own business and get rear-ended (oo-errr) you don't have time to brace for it. I would imagine a neck guard (and a harness) also make a massive difference.https://www.youtube.com/watch?v=Fe_DRcUR1CM
Ok, they usually have some sort of neck guard but you see the cars get utterly annihilated and they jump out seemingly none the worse for it, then come back next week for more.
Perhaps it shows what a nation of colossal wimps we have become, I blame that bloody Underdog.
MajorProblem said:
Wife rolled into someone at a T junction approx 5 mph impact, no damage except a scuff on their bumper. Being a banger Punto they said forget insurance and we'll get a new bumper off eBay, we agreed and would pay for the bumper.
After she'd been home and spoken to her mates there was a claim in for her and her family, the family that weren't even in the fking car!
I think it was £4800, we were told by insurance co.
THIS is where a dash cam comes in handy. A colleague of mine hit a car from behind at a roundabout when the car pulled away and then stopped - no excuses from him though and he accepted he was at fault. The one person in the car though suddenly became a whole family of people by the time the claim came through. His dash cam footage soon put a stop to that.After she'd been home and spoken to her mates there was a claim in for her and her family, the family that weren't even in the f
king car! I think it was £4800, we were told by insurance co.
Chlamydia said:
THIS is where a dash cam comes in handy. A colleague of mine hit a car from behind at a roundabout when the car pulled away and then stopped - no excuses from him though and he accepted he was at fault. The one person in the car though suddenly became a whole family of people by the time the claim came through. His dash cam footage soon put a stop to that.
And were the other party charged with fraud?He asks, depressingly knowing the answer damn well already..
mp3manager said:
Hackney said:
How about, in the event of a whiplash claim, the insurance company write to the claimant with a list of authorised [-]repairers[/] physiotherapists and tell the claimant that they should pay for treatment and then send the receipts to the insurer who will reimburse them.
Surely that would cut out spurious claims and cost 60p (how much do stamps cost these days?) per claim.
That's fine and dandy but in my case it took 13 months to sort out my not-at-fault claim. Why should I be out of pocket for 13 months before getting my money back?Surely that would cut out spurious claims and cost 60p (how much do stamps cost these days?) per claim.
Honest answer, the system would be quicker. So you wouldn't be waiting for 13 months in the first place.
Symptoms come on, you apply (online), book appointment straight away. Pay. Why would there be a delay?
The point is to make sure the cash from the insurer goes to treatment rather than to Disneyland, so when you've paid for treatment with the approved physio etc you're automatically not profiting, so you'd get reimbursed straight away. The insurer could even issue a voucher at the point of applying rather than operate in cash.
Frankly I can't see why this wouldn't work.
Nezquick said:
J4CKO said:
I wonder how banger racers go on with whiplash ?
https://www.youtube.com/watch?v=Fe_DRcUR1CM
Ok, they usually have some sort of neck guard but you see the cars get utterly annihilated and they jump out seemingly none the worse for it, then come back next week for more.
Perhaps it shows what a nation of colossal wimps we have become, I blame that bloody Underdog.
Don't forget though that in banger racing the drivers will be ready, to some degree, for an impact. If you're sitting in traffic minding your own business and get rear-ended (oo-errr) you don't have time to brace for it. I would imagine a neck guard (and a harness) also make a massive difference.https://www.youtube.com/watch?v=Fe_DRcUR1CM
Ok, they usually have some sort of neck guard but you see the cars get utterly annihilated and they jump out seemingly none the worse for it, then come back next week for more.
Perhaps it shows what a nation of colossal wimps we have become, I blame that bloody Underdog.
Chlamydia said:
MajorProblem said:
Wife rolled into someone at a T junction approx 5 mph impact, no damage except a scuff on their bumper. Being a banger Punto they said forget insurance and we'll get a new bumper off eBay, we agreed and would pay for the bumper.
After she'd been home and spoken to her mates there was a claim in for her and her family, the family that weren't even in the fking car!
I think it was £4800, we were told by insurance co.
THIS is where a dash cam comes in handy. A colleague of mine hit a car from behind at a roundabout when the car pulled away and then stopped - no excuses from him though and he accepted he was at fault. The one person in the car though suddenly became a whole family of people by the time the claim came through. His dash cam footage soon put a stop to that.After she'd been home and spoken to her mates there was a claim in for her and her family, the family that weren't even in the f
king car! I think it was £4800, we were told by insurance co.
The Surveyor said:
Back in the real world, people have accidents and people make excuses.
The point the OP was trying to make here I think, is that insurance industry is turning a blind eye to fraud. These days, the no-win-no-fee brigade are tolerated too much by the insurance industry and instead of throwing out all but the genuine whip-lash claims, they just pay-up.
Yes, it's picked up by the OP's insurance but that isn't the point. Just think how much cheaper our insurance would be if these speculative claims were thrown out!
Back in the real world, even if our premiums have gone up 20% due to whiplash claims, the other 80% is due to the people having the accident in the first place. Think how much cheaper our insurance would be if people didn't drive into the back of people!The point the OP was trying to make here I think, is that insurance industry is turning a blind eye to fraud. These days, the no-win-no-fee brigade are tolerated too much by the insurance industry and instead of throwing out all but the genuine whip-lash claims, they just pay-up.
Yes, it's picked up by the OP's insurance but that isn't the point. Just think how much cheaper our insurance would be if these speculative claims were thrown out!
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