Friend had an Accident, Insurance won’t Pay

[PurpleMoonlight]

JZZ30 said:

CJG98 said:

So after going through everything with her today we are a bit further forwards. It looks like the pre accident market value of the car is actually less than the excess (£750). The car was a £650 13 year old Punto.

Next mis-selling scandal!

I was thinking the policy may have been mis-sold, but it is not uncommon these days for FC to be cheaper than TPF&T.

[stevensdrs]

Genuine whiplash injury is common among drivers who have been rear ended. Years ago you would just take pain killers and bear with it till it went away. Now with widespread knowledge that you can claim against the insurance of the driver who ran into you and the proliferation of ambulance chasing lawyers and accident management companies claims have shot up. That doesn't mean the claims are in anyway fraudulent.
I have been rear ended 3 times and have only claimed for whiplash injury once. On that occasion the whiplash took two days to kick in. I had to be examined by a specialist doctor arranged by my accident management company to get a report to send to the third party's insurance. They settled quickly to avoid the costs incurred in a futile defence. If you are genuinely injured in an accident you should claim.

[Fastpedeller]

PurpleMoonlight said:

JZZ30 said:

CJG98 said:

So after going through everything with her today we are a bit further forwards. It looks like the pre accident market value of the car is actually less than the excess (£750). The car was a £650 13 year old Punto.

Next mis-selling scandal!

I was thinking the policy may have been mis-sold, but it is not uncommon these days for FC to be cheaper than TPF&T.

A claim on insurance doesn't only include metal though - It's possible that a very low value car can cause many thousands (tens of, even millions of) pounds of damage.

[DaveH23]

langtounlad said:

I then drove from Heathrow to Milton Keynes and attended a dinner dance that same evening all without any pain or stiffness.
Next morning I couldn't get my head off the pillow

You sure it wasn't just a hangover.

[Ed/L152]

I don't see why a few days of muscle pain should ever mean thousands in liability. Yes whiplash hurts, sometimes a lot, but pure whiplash will resolve 100% in a few days.

Yes it hurts. Life sucks have a hundred pounds and get over it.

Provable loss of earnings as a result is another thing, however.

[TwigtheWonderkid]

PurpleMoonlight said:

JZZ30 said:

CJG98 said:

So after going through everything with her today we are a bit further forwards. It looks like the pre accident market value of the car is actually less than the excess (£750). The car was a £650 13 year old Punto.

Next mis-selling scandal!

I was thinking the policy may have been mis-sold, but it is not uncommon these days for FC to be cheaper than TPF&T.

And she will have had other benefits of comp, like windscreen cover, that would have a much lower excess.

[TwigtheWonderkid]

Fastpedeller said:

PurpleMoonlight said:

JZZ30 said:

CJG98 said:

So after going through everything with her today we are a bit further forwards. It looks like the pre accident market value of the car is actually less than the excess (£750). The car was a £650 13 year old Punto.

Next mis-selling scandal!

I was thinking the policy may have been mis-sold, but it is not uncommon these days for FC to be cheaper than TPF&T.

A claim on insurance doesn't only include metal though - It's possible that a very low value car can cause many thousands (tens of, even millions of) pounds of damage.

Which would be covered exactly the same on a tpo policy.

[langtounlad]

DaveH23 said:

langtounlad said:

I then drove from Heathrow to Milton Keynes and attended a dinner dance that same evening all without any pain or stiffness.
Next morning I couldn't get my head off the pillow

You sure it wasn't just a hangover.

lol
Whiplash definitely - no headache as such but very sore neck and stabbing pain if I tried to twist / turn my head.
It's much mocked as an injury but I found it to be extremely painful. Fortunately short lived and no lasting damage in my instance.

[BenjiS]

JZZ30 said:

CJG98 said:

So after going through everything with her today we are a bit further forwards. It looks like the pre accident market value of the car is actually less than the excess (£750). The car was a £650 13 year old Punto.

Next mis-selling scandal!

Not really. The premium reflects the potential risk she has of causing damage or injury to someone else, not the risk she poses to her own property. She’s insuring to protect herself from a large bill from someone else.

And regrettably, the insurer has been proven right this time.

[BigStu34]

JZZ30 said:

CJG98 said:

So after going through everything with her today we are a bit further forwards. It looks like the pre accident market value of the car is actually less than the excess (£750). The car was a £650 13 year old Punto.

Next mis-selling scandal!

I doubt it was mis-sold. One of the blurbs insurance company gives is they will not provide advice on which policy to go for. They'll give her the price of whatever policy she wants. She knows the excess and approximate value of her car. If she chooses fully comp over TPO or TPFT, that's up to her.

I doubt she was tricked or advised to go fully comp.

[anonymous-user]

BigStu34 said:

I doubt it was mis-sold. One of the blurbs insurance company gives is they will not provide advice on which policy to go for
I doubt she was tricked or advised to go fully comp.

Only certain companies offer non advised sales. Many don't.

[anonymous-user]

Would it make much difference? My MIL had an old Fiesta worth about £500 insured FC.

We enquired about going TPF&T and it didn't alter the premium by more than £10/£20.

[Dogwatch]

BenjiS said:

JZZ30 said:

CJG98 said:

So after going through everything with her today we are a bit further forwards. It looks like the pre accident market value of the car is actually less than the excess (£750). The car was a £650 13 year old Punto.

Next mis-selling scandal!

Not really. The premium reflects the potential risk she has of causing damage or injury to someone else, not the risk she poses to her own property. She’s insuring to protect herself from a large bill from someone else.

And regrettably, the insurer has been proven right this time.

more like public liability cover in effect, the tinware was hardly worth insuring.

[JoBlack]

If the car was worth less than excess she'd have been daft to get anything but TPO.

[anonymous-user]

JoBlack said:

If the car was worth less than excess she'd have been daft to get anything but TPO.

Not if comprehensive was cheaper.

[TwigtheWonderkid]

desolate said:

JoBlack said:

If the car was worth less than excess she'd have been daft to get anything but TPO.

Not if comprehensive was cheaper.

Absolutely. Or she wanted windscreen cover, or the personal accident and death benefits, or other stuff a comp policy gives.

[Fastpedeller]

Fully comp may have been cheaper than TPO. In a similar way that a larger engined car may be cheaper........ If lots of youngsters (or oldsters for that matter) own a particular, popular, small engined car and have lots of incidents/claims it may be more expensive than the larger engined version to insure. Statistics are king

[JoBlack]

Well that's just daft. I get that damage to others could be a liability of millions and I suppose to be fair she's proved the underwriters right in this case, but it seems daft buying policy cover that would be technically impossible to claim on.

Just shows what an utter extortion racket our insurance industry is.

[anonymous-user]

JoBlack said:

Well that's just daft. I get that damage to others could be a liability of millions and I suppose to be fair she's proved the underwriters right in this case, but it seems daft buying policy cover that would be technically impossible to claim on.

Just shows what an utter extortion racket our insurance industry is.

bks.

[KelWedge]

I had wipelash 10 years ago following a head on combined speed approx 80MPH,! Destroyed my large Vauxhall at the time and turned the 4X4 that hit me into a 3X3 one wheel Spring shock left laying in the road, He lost control and came into my lane, OK So I didnt feel perfect and both my my Mrs walked away, But could not move the next day and over 8 months of treatment to sort me out. Yes lots of this type of claims I am sure are made up, but if you have had it, you dont want it again.(Mrs needed 4 months of treatment) Insurance covered everything A nice BMW delivered on the drive as a hire car the following, I could not drive!)
Insurance covered everything including expenses, car, treatment, costs to go to look at the same type of car 200 miles away and a train journey to pick it up.