Insurance - will I get screwed? I imagine it's a 'yes'
Discussion
So, my girlfriend 'rolled' into someone in slow moving traffic in central London. They in turn, rolled into someone else.
other than a cracked number plate on my car there is no other damage and the car in front also had no other damage - this was agreed at the scene. The car in front of the car in front (which was packed with agro girls which scared my girlfriend off!) is claiming for £800 of damage to her bumper and, no surpises here, whiplash!!
My premium is already really high and so i'm now worried my premium is going to shoot up again to cover the damage, whiplash and no doubt a hire car.
How badly do you reckon i'm going to be screwed?
other than a cracked number plate on my car there is no other damage and the car in front also had no other damage - this was agreed at the scene. The car in front of the car in front (which was packed with agro girls which scared my girlfriend off!) is claiming for £800 of damage to her bumper and, no surpises here, whiplash!!
My premium is already really high and so i'm now worried my premium is going to shoot up again to cover the damage, whiplash and no doubt a hire car.
How badly do you reckon i'm going to be screwed?
Don't think it takes much force to cause an expensive amount of damage to modern cars (what kind of cars were they?), although £800 does seem steep considering you said "rolled". Any pics?
"Whiplash"? Well I'm sure most on here have the same opinion as me when it comes to these claims. The word "chancer" comes to mind.
"Whiplash"? Well I'm sure most on here have the same opinion as me when it comes to these claims. The word "chancer" comes to mind.
Your premium will increase for a claim, but if the accident occured as you said in your OP, you should bring to the insurer's attention the possibility of a spurious claim by the last car that was hit. I can't imagine a accident causing so little damage (going by what you wrote), causing whiplash to occupants of the third car in the chain.
Then again, I can't imagine a minor bump that caused so little damage to push one car all the way into another, but that's a different matter all together...
Then again, I can't imagine a minor bump that caused so little damage to push one car all the way into another, but that's a different matter all together...
here is the other wounder: her battery was dead on her phone so could not take a picture. She also doesn't know what type of car it was. The car she directly hit happened to be driven by a nice, sensible woman who agreed there was no damage - her car was a focus, about 10 years old I think.
Even if she had taken a picture it would not a make a difference as there is an engineers report stating the damage.
My biggest fear is the injury and hire car claim as that will make the claim triple.
Even if she had taken a picture it would not a make a difference as there is an engineers report stating the damage.
My biggest fear is the injury and hire car claim as that will make the claim triple.
Codswallop said:
Your premium will increase for a claim, but if the accident occured as you said in your OP, you should bring to the insurer's attention the possibility of a spurious claim by the last car that was hit. I can't imagine a accident causing so little damage (going by what you wrote), causing whiplash to occupants of the third car in the chain.
Then again, I can't imagine a minor bump that caused so little damage to push one car all the way into another, but that's a different matter all together...
I agree, but sadly I was not in the car! All the people involved where women hence the vague details, lack of pictures and lack of info about the other cars involved.Then again, I can't imagine a minor bump that caused so little damage to push one car all the way into another, but that's a different matter all together...
I can see how easily it happens in tight traffic though, I figured that you can easily move a car by hand when it does not have a handbrake on so if you 'nudge' the car in front and they don't have a handbrake on then they would easily roll forward.
if a claim is made off your insurance does it really matter if it was for a pound or a million pounds? all i have ever been asked is have you had any accidents or claims in last 3 years, not the value of any claims.
as soon as the claim is made your renewal will go up.
obviously i am ignoring the moral issue of fake injury claims, but i doubt it will affect your premium any more than just the damage
as soon as the claim is made your renewal will go up.
obviously i am ignoring the moral issue of fake injury claims, but i doubt it will affect your premium any more than just the damage
tsubodai said:
if a claim is made off your insurance does it really matter if it was for a pound or a million pounds? all i have ever been asked is have you had any accidents or claims in last 3 years, not the value of any claims.
as soon as the claim is made your renewal will go up.
obviously i am ignoring the moral issue of fake injury claims, but i doubt it will affect your premium any more than just the damage
I may be wrong, but I thought it did make a difference? A lot of the price comparison sites ask for the value of the claim.as soon as the claim is made your renewal will go up.
obviously i am ignoring the moral issue of fake injury claims, but i doubt it will affect your premium any more than just the damage
Finally decided to join PH after years of being a lurker!
Now correct me if I'm wrong but if you were car 1, in front = car 2 and in front of car 2 is car 3, then it's car 2's fault for not having enough distance/having brakes/handbrake on that he/she went into car 3?
Might be way off here but I'm almost 90% sure I was told this during my driving test 10 odd years back
Or am I wrong?
Now correct me if I'm wrong but if you were car 1, in front = car 2 and in front of car 2 is car 3, then it's car 2's fault for not having enough distance/having brakes/handbrake on that he/she went into car 3?
Might be way off here but I'm almost 90% sure I was told this during my driving test 10 odd years back
Or am I wrong?
Some really bad thinking on this thread, op I can guarantee that you will get f
ked over for around 1500 on each individual, 800 for the bumper and 1w000 for the hire car and possibly 2000 in other fees for solicitors. I took about half an inch of a q7 paintwork, didn't even go past the primer with the owner outside the car in petrol station with cctv yet he claimed for whiplash and a new front end. Total claim about 8k, insurance company didn't want to know
ked over for around 1500 on each individual, 800 for the bumper and 1w000 for the hire car and possibly 2000 in other fees for solicitors. I took about half an inch of a q7 paintwork, didn't even go past the primer with the owner outside the car in petrol station with cctv yet he claimed for whiplash and a new front end. Total claim about 8k, insurance company didn't want to know Funk said:
Yes, I thought that too. The car in front of the car in front should claim off the middle car.
Generally they need to establish how many impacts the person in the front car felt.There would likely be split liability for the front car shared across the insurers of the middle car and the rear car.
aj84 said:
Finally decided to join PH after years of being a lurker!
Now correct me if I'm wrong but if you were car 1, in front = car 2 and in front of car 2 is car 3, then it's car 2's fault for not having enough distance/having brakes/handbrake on that he/she went into car 3?
Might be way off here but I'm almost 90% sure I was told this during my driving test 10 odd years back
Or am I wrong?
Isn't this utter bNow correct me if I'm wrong but if you were car 1, in front = car 2 and in front of car 2 is car 3, then it's car 2's fault for not having enough distance/having brakes/handbrake on that he/she went into car 3?
Might be way off here but I'm almost 90% sure I was told this during my driving test 10 odd years back
Or am I wrong?
ks? Acceptable distance is visible tarmac, so a few feet. If someone hits you from behind, it won't take much to send you into the person in front. I only thought the middle person got screwed over if the person who hit them claimed they hit them because they hit the car in front first.Either way, another case of some absolute scum bag thieving tossers that insurance companies really do need to start clamping down on.
I guess it's out of my hands now - I can scream 'they are chancers' down the line for hours but it won't make a difference.
My insurer is Bell by the way.
Usually insurers will do anything to bot have to pay out so maybe, just maybe they will fight my corner.
Interesting point though about it perhaps being the middle cars fault as well seeing as they can't have had their handbrake on.
My insurer is Bell by the way.
Usually insurers will do anything to bot have to pay out so maybe, just maybe they will fight my corner.
Interesting point though about it perhaps being the middle cars fault as well seeing as they can't have had their handbrake on.
Art0ir said:
Easier to pay out for whiplash than counter it in court.. that's how they look at it.
If my moral standards weren't so high I'd suggest a "passenger" in your girlfriend's car putting a claim for a whiplash to cover your increased premium. But that would be theft and theft is wrong.
no passengers! and I wouldn't have done this anyway as it only adds to the overall problem with this industry.If my moral standards weren't so high I'd suggest a "passenger" in your girlfriend's car putting a claim for a whiplash to cover your increased premium. But that would be theft and theft is wrong.
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