Discussion
So my wife rings me this morning and tells me she has had a prang on the way to work in her car. She has been in slow moving traffic on the motorway at about 10mph and rear ended another car. No damage to her car and the other car had two marks where her number plate screws made an indent. Details exchanged with the other girl.
So tonight she rings the other party to say she wants to pay for the damage as it was so minor rather than going through the insurance. Amazingly the other girl has already rang her insurance, put in a claim for whiplash and reckons its a grands worth of damage. She is apparently an insurance broker and said she had to go home from work early, but was well enough to drive round and get 3 quotes for the repairs. So outrageous, no wonder we pay through the nose for our policies. Whiplash my arse! There goes 9 years of no claims for a couple of number plate screws. Arghhhhhhhhhhhhhhhh. . . . . . . . .
So tonight she rings the other party to say she wants to pay for the damage as it was so minor rather than going through the insurance. Amazingly the other girl has already rang her insurance, put in a claim for whiplash and reckons its a grands worth of damage. She is apparently an insurance broker and said she had to go home from work early, but was well enough to drive round and get 3 quotes for the repairs. So outrageous, no wonder we pay through the nose for our policies. Whiplash my arse! There goes 9 years of no claims for a couple of number plate screws. Arghhhhhhhhhhhhhhhh. . . . . . . . .
Its amazing isnt it! Not going to let it annoy me though, I have vented on here and feel better for it.
I have amended my insurance renewal due this month as Jess is a named driver on it and it has gone up by £38, so not the end of the world. Far worse things going on in the world, what goes around comes around and all that.
Does make you think that we need some way of negating a whiplash claim though, eg if the impact was less than 20mph or something. Anyway, I hope the shoes she buys with her £1500 compo break or hurt her feet! that is all.
I have amended my insurance renewal due this month as Jess is a named driver on it and it has gone up by £38, so not the end of the world. Far worse things going on in the world, what goes around comes around and all that.
Does make you think that we need some way of negating a whiplash claim though, eg if the impact was less than 20mph or something. Anyway, I hope the shoes she buys with her £1500 compo break or hurt her feet! that is all.
Thejimreaper said:
Its amazing isnt it! Not going to let it annoy me though, I have vented on here and feel better for it...
...Far worse things going on in the world, what goes around comes around and all that.
Admire your calmness, you are right of course worse thing do happen but this really does stink....Far worse things going on in the world, what goes around comes around and all that.
I think Luke's idea is good. Perhaps a 'word' about fraudulent claims might help
Just googled it. Apparently there is a minimum speed limit for whiplash. 6mph.
http://www.express.co.uk/posts/view/298630/6mph-th...
http://www.express.co.uk/posts/view/298630/6mph-th...
Another mouth-breathing freeloader that we all have to pay for. Grrr!
A lad pulled across in front of me last year - his fault - and I clumped him at around 15mph. There were 3 of us in my car, who could have all claimed for whiplash - but you know what? We're all adults with a sense of fair play, and didn't. Because in a roundabout way, it would have worked it's way through the system and I would have paid a bit more in premiums for ever!
Aaaanyway - wanted to make a point about when you renew your insurance. I was caught out many years ago by an incident that I belived and fought for that was the other parties' fault. Sadly, my insurance company were useless fluffy softies devoid of a spine, and found it easier to roll over and accept the other parties' insurance companies' insistence on a 50/50 claim. I went bananas, but to no avail. 9 years no claims raped down to 2 years overnight
So I make damn sure now that every policy I get (as I'm now back up to 10 years) has PROTECTED NO CLAIMS added. It costs a minimal amount, maybe adds 20 quid - but in these litigious times when I'm driving on roads surrounded by these types - it is worth every penny.
Too late for you now - but as you build the no claims back up - GET IT PROTECTED!
A lad pulled across in front of me last year - his fault - and I clumped him at around 15mph. There were 3 of us in my car, who could have all claimed for whiplash - but you know what? We're all adults with a sense of fair play, and didn't. Because in a roundabout way, it would have worked it's way through the system and I would have paid a bit more in premiums for ever!
Aaaanyway - wanted to make a point about when you renew your insurance. I was caught out many years ago by an incident that I belived and fought for that was the other parties' fault. Sadly, my insurance company were useless fluffy softies devoid of a spine, and found it easier to roll over and accept the other parties' insurance companies' insistence on a 50/50 claim. I went bananas, but to no avail. 9 years no claims raped down to 2 years overnight
So I make damn sure now that every policy I get (as I'm now back up to 10 years) has PROTECTED NO CLAIMS added. It costs a minimal amount, maybe adds 20 quid - but in these litigious times when I'm driving on roads surrounded by these types - it is worth every penny.
Too late for you now - but as you build the no claims back up - GET IT PROTECTED!
Give her a call and tell her that you and your OH think she's a f
king lowlife. It won't change things but it might give her food for thought.
I had the same a few years ago with a local lad who claimed all sorts of things like he had to go off sick with a severe neck injury (it was a supermarket nudge at 5mph). Of course when I appeared on his doorstep a few days later, he answered the door in shorts and flipflops holding a rugby ball with which it appeared he'd been playing rugby with a few mates in his garden. Seemingly no ill effects at all. I told him what I thought of him and left him standing there crimson with embarrassment, needless to say I still had to take the hit on insurance.
king lowlife. It won't change things but it might give her food for thought.I had the same a few years ago with a local lad who claimed all sorts of things like he had to go off sick with a severe neck injury (it was a supermarket nudge at 5mph). Of course when I appeared on his doorstep a few days later, he answered the door in shorts and flipflops holding a rugby ball with which it appeared he'd been playing rugby with a few mates in his garden. Seemingly no ill effects at all. I told him what I thought of him and left him standing there crimson with embarrassment, needless to say I still had to take the hit on insurance.
You have my sympathy to Jim, I invested in a Roadhawk black box camera several years ago for the Door mobile and installed one In Lawrence's car last year purely to protect one's self from these low life's.
You never know though, she might just get hounded with minor traffic violations & routine stops for a while!
You never know though, she might just get hounded with minor traffic violations & routine stops for a while!
Thejimreaper said:
No way to prove speed though I guess without witnesses. I think it should be decided based on damage/intrusion, but what do I know!
take her to court- let her prove the whiplash beyond reasonable doubt, given the other evidence of the impact (the 2 car's micro damage - have you photos, even video, of relevant areas of the cars and any of the claimant walking around normally post-crash?).Even with non protected NCB, the insurance company just wind it back a year per hit for the first 1 or 2 or something similar don't they? You might still officially have 8yNCB. Sounds odd by definition but ask. Best of luck Jim!
Thanks for the advice chaps. Some good news, jess did have protected no claims so should be ok from that point of view. I would love to ring her up and say all of the above plus some other bits, but I think I would end up getting very annoyed!
Dave the black box sounds ideal, I may get a go pro for mine and just leave it running whenever I am out and about.
Dave the black box sounds ideal, I may get a go pro for mine and just leave it running whenever I am out and about.
The problems it isn't ppl pushing for whip lash claims its the insurance companies then self. If u a accident and go through insurance company you will soon get some1 calling about claiming for whip lash. The insurance companies are trying to get as much as they can from each other. They will even do it if you are both with same Insurance company. The whole system is wrong and very twisted.
jdearden said:
The problems it isn't ppl pushing for whip lash claims its the insurance companies then self. If u a accident and go through insurance company you will soon get some1 calling about claiming for whip lash. The insurance companies are trying to get as much as they can from each other. They will even do it if you are both with same Insurance company. The whole system is wrong and very twisted.
I was going to post exactly that, wait a week or 2 and you will have loads of phone calls that could last up to 12 months after.I had similar a few years ago, little nudge 100% my fault.firstly I asked her if she was ok, which she was . Once I got round to ringing my insurance I made a point of telling them that it was very minor damage to her vehicle and she had no injuries so don't let her play the whiplash claim, to which they made a note of. I didn't loose any Ncb either which was good
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