pathetic whip lash claims

[J4CKO]

Rawwr said:

J4CKO said:

I can see why it happens, people are skint in a lot of cases and they get a chance to have a few quid, tax free to spend on something nice they couldn't ordinarily afford, it takes some serious strength of character and principles to say no to the repeated offers, I think some just say yes to stop the bloody phone calls. They know they can by and large get away with it and in terms of morals and principles, when you see what the great British public are prepared to do for money, getting a few quid for a fictitious neck injury is pretty low down the list behind benefit cheat, mugging, fraud, scams and selling bricks in Xbox boxes.

If it makes you feel any better; I was knocked off my bike at the start of July. No broken bones but quite badly bruised and battered right shoulder and left knee. It feels a lot better now but I've been told I'll probably feel little aches for years to come, if not the rest of my life. I was plagued by nowinnofee companies for weeks after the accident and said no to all of them. I'll live and no amount of money is going to make the accident any better.

I agree that money wont help with healing or turn back time but the legislation and processes are there to recompense people who have been injured, which you clearly were, quite badly. I appreciate that you stood by your principals, but to be honest I don't think anyone would have objected at you being compensated for what sounds like some pretty bad injuries and ongoing pain, assuming of course that, as it sounds in your post that it wasn't your fault.

Its the fat heffer in an old Corsa which is hit by a feather that claims ten grand for injuries that were quite obviously non existent that annoys people, or those that cause accidents on purpose.

[Dave_]

Whiplash is nothing compared to the fees for "like for like" courtesy cars.

Hire companys are making an absolute killing renting out cars sometimes at £300+ PER DAY.

[Bennet]

richatnort said:

So when i come to renew next year a claim that could of cost maybe 3-5K it will most be like 10-20k because of the whiplash claims. I just wish the insurance would fight it a bit more.

Does the size of a claim made against you actually affect how much it drives up your premium?? That's not something I've ever heard before.

[Agent Orange]

Dave_ said:

Whiplash is nothing compared to the fees for "like for like" courtesy cars.

Hire companys are making an absolute killing renting out cars sometimes at £300+ PER DAY.

OP if you're quick you can deflect the threads abuse for your accident towards Turva as he's obviously the main reason all premiums are high.

Tuvra said:

Annoys me that I had to fight for two days to get what I was due (decent courtesy car) and yet these bds are still trying to drive up the claim with bullst compensation claims

Set the thread wolves on him...

[herewego]

wolves_wanderer said:

Tuvra said:

Annoys me that I had to fight for two days to get what I was due (decent courtesy car) and yet these bds are still trying to drive up the claim with bullst compensation claims

That is a big pile of irony. You had to "fight" for what you were "entitled to" ie a fancy/sporty car when any car would do, and moan about people driving up the cost of insurance?! Incredible.

Bizarrely I don't think he was being ironic. I read the other day that the government are proposing to limit courtesy car charges. Quite right too IMO.

Edited by herewego on Wednesday 20th August 10:56

[McSam]

Bennet said:

richatnort said:

So when i come to renew next year a claim that could of cost maybe 3-5K it will most be like 10-20k because of the whiplash claims. I just wish the insurance would fight it a bit more.

Does the size of a claim made against you actually affect how much it drives up your premium?? That's not something I've ever heard before.

Yes, it does. Had there been no spurious injury claims involved in my accident, the £1500 payout would have raised my premiums by £200 less than the £11,500 that was actually defrauded from my insurance company.

As with anything insurance-related, you can have a play on comparison sites. Put an accident down on your record, first at £500 then at £10k and see the effects.

[Birdster]

Uncle John said:

This happened to my wife a few years back.

Lights went green, car in front puled away then put on the brakes, wife pulls away and hits car at less than 10mph, tennis ball sized dent in our front bumper, no obvious damage to the rear of the stheap Passat.

Wife checks all ok, lo and behold kids in the back are holding their necks in pain, the female of the spawn is ranting and holding her neck.

Cops and ambulance called, wife breathalysed, my kids now upset ,ridiculous scenes.

Turns out she even claimed for damage to clothing!!! WTF!! This only happens if you are cut out of bloodied clothes.....

Now doubt the scum enjoyed their fourth trip to Disneyland on the proceeds.

The whole thing was a scam.

And the reason why I now have a dash cam.

Not being awkward and I am sympathetic as I've had the false claim against me as mentioned above, but all a dash cam would have show in that situation was that your wife drove into the back of the car.

I appreciate that we all pull away as the car in front does and do not expect them to anchor up, especially in rush hour, but I can't see the insurance company going for it. The car in front will claim the the child was sick in the back of the car etc. Anything to justify having to stop.

[clonmult]

Dave_ said:

Whiplash is nothing compared to the fees for "like for like" courtesy cars.

Hire companys are making an absolute killing renting out cars sometimes at £300+ PER DAY.

Mate had someone reverse into the side of his car; they were both with what was effectively the same insurance company (or at least the same parent company). Pretty clear as to who was at fault, and that wasn't ever questioned.

However while his car was in for work, he had an Alfa Brera as a hire car (and it was a damn fine looking car). Which was costing a little more than £300 per day. The hire company was another arm of the insurance company.

Arguments continued for about 6 months between the insurance companies and the hire company over the cost of the hire car. They were arguing with themselves over the charges that they levied to themselves.

[Uncle John]

Birdster said:

Uncle John said:

This happened to my wife a few years back.

Lights went green, car in front puled away then put on the brakes, wife pulls away and hits car at less than 10mph, tennis ball sized dent in our front bumper, no obvious damage to the rear of the stheap Passat.

Wife checks all ok, lo and behold kids in the back are holding their necks in pain, the female of the spawn is ranting and holding her neck.

Cops and ambulance called, wife breathalysed, my kids now upset ,ridiculous scenes.

Turns out she even claimed for damage to clothing!!! WTF!! This only happens if you are cut out of bloodied clothes.....

Now doubt the scum enjoyed their fourth trip to Disneyland on the proceeds.

The whole thing was a scam.

And the reason why I now have a dash cam.

Not being awkward and I am sympathetic as I've had the false claim against me as mentioned above, but all a dash cam would have show in that situation was that your wife drove into the back of the car.

I appreciate that we all pull away as the car in front does and do not expect them to anchor up, especially in rush hour, but I can't see the insurance company going for it. The car in front will claim the the child was sick in the back of the car etc. Anything to justify having to stop.

Fair point, but would show the actions/intentions of the other driver and the speed of impact.

[Birdster]

Uncle John said:

Birdster said:

Uncle John said:

This happened to my wife a few years back.

Lights went green, car in front puled away then put on the brakes, wife pulls away and hits car at less than 10mph, tennis ball sized dent in our front bumper, no obvious damage to the rear of the stheap Passat.

Wife checks all ok, lo and behold kids in the back are holding their necks in pain, the female of the spawn is ranting and holding her neck.

Cops and ambulance called, wife breathalysed, my kids now upset ,ridiculous scenes.

Turns out she even claimed for damage to clothing!!! WTF!! This only happens if you are cut out of bloodied clothes.....

Now doubt the scum enjoyed their fourth trip to Disneyland on the proceeds.

The whole thing was a scam.

And the reason why I now have a dash cam.

Not being awkward and I am sympathetic as I've had the false claim against me as mentioned above, but all a dash cam would have show in that situation was that your wife drove into the back of the car.

I appreciate that we all pull away as the car in front does and do not expect them to anchor up, especially in rush hour, but I can't see the insurance company going for it. The car in front will claim the the child was sick in the back of the car etc. Anything to justify having to stop.

Fair point, but would show the actions/intentions of the other driver and the speed of impact.

It would, but from chatting to the assessor who visited me he just said. "You're a nice chap, I'm happy for you to appear in court and I'm confident that you'll represent yourself well. However be warned that most likely the insurance company will pay out as it's quicker and a settlement fee is a guaranteed fee rather than more if they lose."

In my opinion I am insured purely so that I am covered legally.It is a cost of motoring and the insurance companies never lose. Pay out rather than fight, have less fees, then charge the customer for loss of no claims, accident on their record etc. Insurance company never loses.

[spaximus]

My neighbour is a fraud investigator with large insurance company. They have to play the numbers game due to the insane charges they get against then by the no win no fee boy's. It gauls him but he told me of a case where they had settled on £30k damages against a claim for £250k. The solicitor charges etc were already £175k so faced with court action and the possibility they might lose they cut and ran.
He was convinced it was a scam but they had to make a commercial decision. It is not the claim it is the costs that are responsible for the rise in claims.
I would cap the fees at 20% of the amount paid out to the "victim" I would bet the whole rotten system would stop for all but the genuine ones.

[tbc]

My father was hit at 50mph about three months ago by a woman going over a red light.

She currently has a claim in for whiplash even though it was here fault and she crashed into my fathers car.

That and the fact she was walking about after the accident right as reign.

No doubt she'll get a £2k payoff

[MajorProblem]

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.

[2pintsoflager]

I was involved in walking pace crunch. Totally my fault. First bump of any sort in 30 plus yrs of driving. I pulled out of junction assuming that the car in front , that had just pulled out , would go onwards as the road was clear. No , they stopped in the middle of the road/junction to let their two children out for school. I cant have travelled more than 6 feet. Checked everyone fine. My boys and their girls ran off to school. Exchanged details.... 6 weeks later, my insurance company called. Apparently the crashees were claiming that all 7 people in the car were claiming whiplash. And how were me and my passengers. I said that we were all fine , as we had hardly been moving (T4 campers don't accelerate that quick), and that the other party were either breaking the law or not being truthful , as they were driving an Avensis hatchback.
I have not heard any more.
Can't think why......

[Morningside]

I Hit someone up the back at less than 15mph. My fault. The guy jumps out and starts looking under his car to see what damage had been done. Sod all on his but totally ripped ours to bits.
Asked if I was going to go via insurance as his was not damaged and I just pointed to ours saying that it had headlight/cracked bumper damage.

Next thing he is claiming whiplash. Odd after spending all that time with a torch under his car.

Anyhow I thought the idea of head restraints were to STOP whiplash?

[Pet Troll]

One of my cars was bumped into whilst parked, I was sitting in the pub and could see it out of the window and a van just bumped it whilst parking, cracking the bumper.

I told insurance co and stated that no one was in the car so no injuries. They sent me a letter saying "We are pleased to hear you were not injured in the collision, if any injuries should arise as a result of the accident then please get in touch" I wasn't even in the car ffs!

As a side note the van driver denied it and despite me having a witness I never got my bumper repaired, the insurance company said they had no choice but to accept the van drivers word that he didn't hit me.
(too slow an impact to damage the vans towbar, my bumper wouldn't have cracked if it wasn't a notoriously flimsy one (406 coupe))

[Vaud]

Morningside said:

Next thing he is claiming whiplash. Odd after spending all that time with a torch under his car.

Anyhow I thought the idea of head restraints were to STOP whiplash?

It can genuinely come on days after an incident.

Any no, reduce, not eliminate. It is the forward motion of the head in a crash that can do damage as well as the backward.

[Otispunkmeyer]

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 bds are still trying to drive up the claim with bullst compensation claims

To be honest you are not much better than the whiplash lot.

Ok you probably feel a bit hard done by having to step down to a boggo focus, but come on. Its a temporary chariot and it'll get you about whilst yours is repaired. Why do you need to bump up everyones premiums by getting the insurance co to fork out for something flashier? Same with people who have Astons and Porsches and then demand something similar as a courtesy... fking hell what mentality! My OH's dad has it right, his S-Class went into the shop for repairs after a prang, they gave him a tatty old A-class... he was perfectly happy with that for 3 weeks despite being a massive step down.

[vinnie01]

ive had a whiplash claim against me was at a blind junction (giveway)however due to roadside furniture i had tobe over the giveway line. I was stationary handbrake on and was hit by a van doing 45-50 in a 20 zone. because he never hit the brakes there were no skidmarks. My insurance found me at fault (failing to giveway) and the driver and his brother managed to get a solicitors letter tome the very next day from the accident the accident was a sunday. 2 spurious claims for whiplash as a result of hitting a stationary car

[myvision]

Otispunkmeyer said:

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 bds are still trying to drive up the claim with bullst compensation claims

To be honest you are not much better than the whiplash lot.

Ok you probably feel a bit hard done by having to step down to a boggo focus, but come on. Its a temporary chariot and it'll get you about whilst yours is repaired. Why do you need to bump up everyones premiums by getting the insurance co to fork out for something flashier? Same with people who have Astons and Porsches and then demand something similar as a courtesy... fking hell what mentality! My OH's dad has it right, his S-Class went into the shop for repairs after a prang, they gave him a tatty old A-class... he was perfectly happy with that for 3 weeks despite being a massive step down.

But why should he have to drive a lesser model for something that is completely not his fault? He should be put into the same spec.