Accident - insurance advice sought

[wackydo]

My son had an accident a week or so ago on his motorbike, the other party's insurance co has accepted full fault so are sorting out a hire bike and a valuation (its probably a write-off). The car pulled across a junction in front of him and he ended up T-boning the front wing.

I'm trying to understand the issue regarding him still being slightly injured from the accident. He's still limping a little and has pains in his leg. But as he is back in work, and had paid sick leave for when he wasn't, he isn't financially suffering from his injuries, so seemingly there is no compensation for the pain and for the inconvenience of not being able to do as much as normal.

I'm not looking for the crazy compensation culture stuff you see on the TV adverts, but just something in the way of easing the slight depression he has over injuries, and not being able to get out and do all he usually does.

Any thoughts??

TIA

[Mr Wong]

yes...

tell him to recover and stop looking for compensation

[Stu R]

if he's depressed tell him to go and see a doctor.

[Gorvid]

I think his return to work has probably negated any compensation..

[wackydo]

Mr Wong said:

yes...

tell him to recover and stop looking for compensation

It's not like I was thinking of even a thousand pounds !!

I appreciate this is an emotive topic these days, and of course it is difficult to quantify inconvenience and pain.

He's trying to recover as fast as he can. It's not his fault that his body can't repair itself overnight.

[Mad Moggie2]

wackydo said:

Mr Wong said:

yes...

tell him to recover and stop looking for compensation

It's not like I was thinking of even a thousand pounds !!

I appreciate this is an emotive topic these days, and of course it is difficult to quantify inconvenience and pain.

He's trying to recover as fast as he can. It's not his fault that his body can't repair itself overnight.

Even though he's back at work - and thus not suffering loss of earnings - he's still limping and in some pain from what you say.

Right then.

1. Go to GP or A&E. One or the other will arrange an X-ray/full check to check no underlying damage and whether or not this is due to the accident or perhaps sciatica which would not necessarily be the result of this incident.


2. Explain to doctor that this was result of motorbike incident and they will - might require a nominal fee for GP - refundable if you have a claim - write up report as to extent of this injury even though it's not cost time off work to date. This gives your son something to work on - if he considers his pain warrants a small pay -out.

3. Keep a record of each twinge and how much pain - even with pain killer. Also keep a record of any time off taken due to this pain.

[anonymous-user]

Whipcash , The biggest growing phenomenom(?) in the uk eh!

[Hooli]

i hope the 3rd party insurance is paying for a new lid & riding gear too, that should cheer him up.

[Santa Claws]

Gorvid said:

I think his return to work has probably negated any compensation..

Yeah.

He should suck it up and get on with it - like everyone else does.

Whipcash, I like that.

[Jonny_uk]

I had the same thing happen two weeks ago, van out of side road t-boned me. Bang 6 weeks in cast with broken fibula!

The only way i can see me getting any thing for my boots, lid, trousers is through a accident claim.

The insurance want me to pay my excess before they begin looking into getting my bike fixed. Only thing is i want to make sure i get the money back, anyone got any advice?

Forgot to add driver of van left seen without stopping, i have 4 witness's saying i was riding perfectly fine. Driver says he never saw me and didnt realise he had hit me. No one at the scene got his number but police did some detective work (through some details i and witness's gave them) and got him that afternoon.

I just don know which route to go down! I can fix the bike myself for £150-200 but the exces i need to pay is £400

Edited by Jonny_uk on Sunday 2nd September 13:19

[TheCarpetCleaner]

Mr Wong said:

yes...

tell him to recover and stop looking for compensation

I hate to do this

I really really hate to do this and it hurts me so much to write the following statement

"I agree with Mr Wong on this one"

There I have done it!

I feel strongly on this as I have had an accident before where I have had limping and slight pain or whatever afterwards, and the accidents have not been my fault, where I simply brushed myself off and carried on (was hit by a car that came round a blind 30mph corner at well over a ton, police even after furiously braking he still hit me on my bicycle at 30-40MPH knocking me off! )

Fair play if you cant work or you are incapacitated and need to recover loss of earnings - for example if I couldnt do a days work because I had had a minor incident and it needed sorting, I would be claiming for that days work and nothing more.

Accidents happen, no reason for cash to be thrown at everything...

[Piglet]

Great responses

So the kid is injured because someone pulled out on him, he manages to go to work even though he's in pain and most of you think he's a scrounger...

As someone said above he needs to get his injuries assessed properly - did he go to A&E at the time? He then needs to record what's going on.

It's not unusual to find that what appears to be a slight injury in the beginning turns into something that has much longer lasting consequences in that situation your record of what went on is important.

If he gets over it fine in a couple of weeks then great, but if not you're covered. As said, his kit will form part of an uninsured loss claim anyway.

Does he have Legal Expenses cover? He should contact the provider and they'll talk him through what he needs to do.

[Jonny_uk]

My tuppence is why should i suffer from someone else's driving?

[TheCarpetCleaner]

Jonny_uk said:

My tuppence is why should i suffer from someone else's driving?

You shouldnt, not at all.

You should be compensated for what you lose out on (time off work, any therapy etc).

Mates girlfriend was a passenger in a car when it crashed, minor dink in the grand scheme of things and she got slight whiplash which in her own words "Made her neck ache for a couple of days"

Then she managed to get compensation of a few £K for "Stress related illness following the accident" -so stressful she was out at the pub the day it cashed going out on the piss with her mates

Bet people would not be so bothered trying to claim if all compensation, after proven compensation for loss of earnings and forced time off, had to go toward services rather than raw cash - for example if you suffer from "stress" following the accident, you get a counciller or a psychiatrist paid for directly.

Fair game for ACTUAL loss but some of these claims take the fking piss...

[Piglet]

TheCarpetCleaner said:

Jonny_uk said:

My tuppence is why should i suffer from someone else's driving?

You shouldnt, not at all.

You should be compensated for what you lose out on (time off work, any therapy etc).

Mates girlfriend was a passenger in a car when it crashed, minor dink in the grand scheme of things and she got slight whiplash which in her own words "Made her neck ache for a couple of days"

Then she managed to get compensation of a few £K for "Stress related illness following the accident" -so stressful she was out at the pub the day it cashed going out on the piss with her mates

Bet people would not be so bothered trying to claim if all compensation, after proven compensation for loss of earnings and forced time off, had to go toward services rather than raw cash - for example if you suffer from "stress" following the accident, you get a counciller or a psychiatrist paid for directly.

Fair game for ACTUAL loss but some of these claims take the fking piss...

Your mate's girlfriend defrauded the insurers - that doesn't mean someone who genuinely suffers an injury shouldn't be compensated for the pain that they suffer.

Not just for the time off work but for the days that they are in pain and unable to live their life as they would have done were it not for the negligence of the other driver.

[TheCarpetCleaner]

Piglet said:

TheCarpetCleaner said:

Jonny_uk said:

My tuppence is why should i suffer from someone else's driving?

You shouldnt, not at all.

You should be compensated for what you lose out on (time off work, any therapy etc).

Mates girlfriend was a passenger in a car when it crashed, minor dink in the grand scheme of things and she got slight whiplash which in her own words "Made her neck ache for a couple of days"

Then she managed to get compensation of a few £K for "Stress related illness following the accident" -so stressful she was out at the pub the day it cashed going out on the piss with her mates

Bet people would not be so bothered trying to claim if all compensation, after proven compensation for loss of earnings and forced time off, had to go toward services rather than raw cash - for example if you suffer from "stress" following the accident, you get a counciller or a psychiatrist paid for directly.

Fair game for ACTUAL loss but some of these claims take the fking piss...

Your mate's girlfriend defrauded the insurers - that doesn't mean someone who genuinely suffers an injury shouldn't be compensated for the pain that they suffer.

Not just for the time off work but for the days that they are in pain and unable to live their life as they would have done were it not for the negligence of the other driver.

Yep fine agreed - so how does a (for example) £5,000 payout direct to them in one lump sum cover the days that they are in pain? Surely they should submit a report or a form every week or some such system and get paid for the verified time they are not able to do the things they need to do? Maybe that lump sum is genuinely not enough so this would benefit those who have complications later as well.

I cannot understand why everyone on a motoring related forum is so cool about all this - the money comes from OUR INSURANCE PAYMENTS!! If this was more regulated and designed to weed out the fakers insurance costs would go down and we would all benefit. Right now its whoever has the balls to make the biggest claim wins.