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Jester666
7 posts
13 months
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Ok. I have read all the posts and what some of you fail to se is that if you are in an accident that was not your fault, you are injured and you have "Pain and Suffering" why should you just put up with it..... The other thing is that if you are involved in an accident one of the first things most people do is call you own insurance company. They will then ask you about the accident and will want to know if 1) you are injured 2) your car is drivable 30 you need an replacement car 4) you need your car mending. If you answer yes to any of the above, YOUR insurace company will sell your details to one each of the 4 companies taking about £500 per referal. So, you have been in an accident, not your fault, your insurance company will ot have to fork out for anything and they have just made £2,000 profit. Not many people know this and the Insurace companies keep it very hush hush.
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WillBrumBrum
581 posts
67 months
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I agree with the insurance companies. I know two people who got their £2k for claiming for this and then spent it on new Mac laptops with the whole Adobe suite. They were encouraged to claim for it though by their insurance companies claiming against the other person's insurance though - so in a way, the insurance companies are their own worst enemies.
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Mark-C
1,714 posts
74 months
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Jester666 said: Ok. I have read all the posts and what some of you fail to se is that if you are in an accident that was not your fault, you are injured and you have "Pain and Suffering" why should you just put up with it..... The other thing is that if you are involved in an accident one of the first things most people do is call you own insurance company. They will then ask you about the accident and will want to know if 1) you are injured 2) your car is drivable 30 you need an replacement car 4) you need your car mending. If you answer yes to any of the above, YOUR insurace company will sell your details to one each of the 4 companies taking about £500 per referal. So, you have been in an accident, not your fault, your insurance company will ot have to fork out for anything and they have just made £2,000 profit. Not many people know this and the Insurace companies keep it very hush hush. Welcome to PH ... how about some source material to back up the above?
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robinessex
736 posts
50 months
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Maybe the courts could settle this. Make sure that any compensation is exactly that. The real cost of an injuries subsequent expenses. I don't see how £5000 awarded for a minor neck injury actually makes it any less painful.
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School boy
891 posts
80 months
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Crow555 said: I don't think 90210 is a factual programme. Ok Finland where a 19 year old had his escort cosworth featured in performance ford and they commented that they have cheap insurance.
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carmental
42 posts
20 months
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People who claim whiplash are, quite simply, w  kers.
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montyvr6
84 posts
53 months
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HonestIago said: montyvr6 said: I once had quotes from the same insurer where the quote for a declared 600 bhp Skyline was £25 more expensive than their quote for an Audi 1.9 diesel estate. Drove me mad trying to work out how they had calculated it. Audi was worth 1/3 of the Skyline too! For real?!  Yeah for real. i was told that they were a specialist insurer so could get a very cheap price for Skyline but as they were specialists they didn't have competitive quotes for regular cars!
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Hudson
1,255 posts
56 months
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I rolled into someone at walking pace ages ago, and while the guy was fine, said he was OK and happily drove off, he later tragically developed £800's worth of whiplash which i get to lump on my insurance for the next 3 years.
All i can assume is that a new neck costs £800 and the figure was not in anyway way pulled out of someone's arse
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hman
4,810 posts
63 months
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School boy said: Ok Finland where a 19 year old had his escort cosworth featured in performance ford and they commented that they have cheap insurance. Is it finland/scandanavia where car purchsee prices are amzingly high in the first place though? Anyway I thought all finnish people were born rally drivers anyway!
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triathlondaz
3 posts
38 months
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So all these people are getting paid out for bogus claims without any problem, but I was knocked off my bike in November last year and 7 months down the line my bike is still in 2 pieces and after some hard work with the physio i've got full movement in my shoulder but the drivers insurance company (Swift - or not so swift) still won't admit liability despite the driver being prosecuted for dangerous driving. What a joke!
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M666 EVO
854 posts
31 months
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Hudson said: I rolled into someone at walking pace ages ago, and while the guy was fine, said he was OK and happily drove off, he later tragically developed £800's worth of whiplash which i get to lump on my insurance for the next 3 years.
All i can assume is that a new neck costs £800 and the figure was not in anyway way pulled out of someone's arse Simple, you had his address? Go round one night and actualy break it for him... On a serious note, when exchanging details, surely a witness can verify that both parties are OK or does this whiplash (actually) come on later?
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Hip
4 posts
15 months
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School boy said: Crow555 said: I don't think 90210 is a factual programme. Ok Finland where a 19 year old had his escort cosworth featured in performance ford and they commented that they have cheap insurance. Do you know the details about their policy though? For all you know it could be a cherished car policy with a 1,000 mile limit a year to only be used on weekends.
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enroz
98 posts
34 months
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May i just point out the other little monster that is making your policies expensive, hire car charges after a claim.
Some companies can and will charge over £100 a day whilst the clients vehicle is being repaired. The repairs can be go on for a very long time, weeks can some times turn into months.
All the while the client in the hire car is happy that they are mobile, blissfully unaware they they are racking up a massive bill, which would then need to be paid by the third party insurer.
I know of one case where the guy reversed into another vehicle causing no more than a couple of hundred pounds of damage at the most, even at approved garage costs.
However, because the vehicle that was hit had 3 passengers in, there was claims for whiplash and back injuries for all 4 of them. This alone would come to over £30k, but the hire charges came back a few months later for over £50K!!! Apparently there was a delay in getting his vehicle repaired and it was deemed unroad worthy by the garage that eventually repaired it for £550!
Investigations are ongoing, but how the hell did it ever get to that in the first place?
You have to love accident 'management' companies.
HULK SAD
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Hip
4 posts
15 months
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M666 EVO said: Simple, you had his address? Go round one night and actualy break it for him...
On a serious note, when exchanging details, surely a witness can verify that both parties are OK or does this whiplash (actually) come on later? Witnesses are great until it comes to court. Then they very rarely make a difference as most refuse to turn up or meet with a Claims Assessor. That's my views anyway as a broker. Whiplash doesn't show signs for the first day or so, then comes on.
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LewisR
489 posts
84 months
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I think that insurers are to blaim too. Last year, a car drove into me at quite a low speed, say 6mph or so, nothing serious. My car needed a new bumper and for that to be sprayed up & fitted. The amount of phone calls I had and texts asking if I had been injured in that and would I like to make a claim and that I could get thousands for whiplash. Now, if one had been a bit hard up, it would have been all too easy to feign injury and pocket a few thousand, knowing that it would be spread out amongst the other punters. Being the honest(!) chap that I am, I insisted that I was fine. I was even given the opprotunity to change my mind at a later date!
That said, back in 1990, I genuinly DID have whiplash and it sodding well hurt after about 2 days or so. I got about £1500 then and that was before the "Been hurt in an accident? Not your fault?" ads!
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piquet
417 posts
126 months
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sorry i see it all the time at work, people in A&E just there to be "checked out", they know there's nothing wrong, they even change their symptoms when you question them and point out the pain is in the wrong place. They come to A&E because they know it's cheaper then going to a private doc as they can get their records for £28 which in most cases will be enough to get a payout. they also know the pay out increases if they can swing an x-ray. The following day we all see their mates who strangely were now also in the car and have exactly the same symptoms.
The medical profession doesn't help if you do medical legal work you are paid by the insurer which is normally the claimer, unless you claim they have the symptoms and it's all due to the crash, the work very rapidly dries up. It makes it hard to say, i think this is being faked.
The insurers sell on your details, they like this culture, they win on the referral fees and since they make a percentage the higher everyones premium, the more money they make.
I have been phoned twice by the referral muppets, once asked why i didn't go to A&E as "you might have broken your neck and need checking out". The other after damaging the elise after hitting a fox, who wanted to sue the other party, when i explained i didn't think they'd survived, they suggested we could sue the estate of the other party...
We do see some genuine whiplash, it's actually pretty easy to spot. You want to get rid of it, get the insurance company to pay the medical profession to record in the notes every time they;re suspicious that the symptoms do not fit the history.
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suffolk009
726 posts
34 months
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"Whiplash claims are costing the average motorist £90 per year in insurance premiums, according to the Association of British Insurers (ABI), contributing to a near doubling in the cost of car insurance"
Unless I'm misreading that, that implies the average car insurance premium is £180 per annum. That can't be true.
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Chriz
14 posts
80 months
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I had a moron run into me a few years ago; he decided to rewrite the facts and as I had legal cover, I was refereed to a firm of solicitors to sort it for me. The solicitor sent me several pages showing exactly what whiplash is, where & when the pain occurs and how much the settlements tended to be. I had not requested this information and I did not have whiplash.
A day or so later a woman from the solicitors' office called me and tried to get me to say that I had whiplash symptoms! When I did not play the game, the solicitor tried to get out of representing me.
There are the culprits but how can this be dealt with? In the USA there are Class Actions that can be brought against such practices when enough people object but there are no such laws in the UK.
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Roadster25
159 posts
31 months
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I have a work colleague who took a few weeks off and claimed or whiplash last year after being rear-ended. Oddly his car didn't need any repairs...
I agree that part of the fault lies with ambulance chasers. I am still be phoned and texted reguarly by firms promising me compensation for my injuries from an accident in 2010. They don't seem to be too deterred by the fact that the "accident" was a Transit driving into my car in Sainsbury's car park, while I was shopping.
Mind you, people can always say no to them.
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mickydoo
279 posts
15 months
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Chriz said: I had a moron run into me a few years ago; he decided to rewrite the facts and as I had legal cover, I was refereed to a firm of solicitors to sort it for me. The solicitor sent me several pages showing exactly what whiplash is, where & when the pain occurs and how much the settlements tended to be. I had not requested this information and I did not have whiplash.
A day or so later a woman from the solicitors' office called me and tried to get me to say that I had whiplash symptoms! When I did not play the game, the solicitor tried to get out of representing me.
There are the culprits but how can this be dealt with? In the USA there are Class Actions that can be brought against such practices when enough people object but there are no such laws in the UK. There is an ombudsman to deal with complaints about lawyers & legal services. Also there is the Law Society, representing solicitors, but which has a members code of conduct I believe. http://www.legalombudsman.org.uk/http://www.lawsociety.org.uk/home.law
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