Car Accident & Personal Injury Claim

Car Accident & Personal Injury Claim

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Discussion

ashleyman

Original Poster:

5,922 posts

47 months

Monday 18th November
quotequote all
Was in a small-ish car accident yesterday. No major damage to each car but was enough to send me forwards in the chair. Police were called to the scene so I didn’t have a choice but to also report it to my insurer. When I called to report they asked if there was any injury and I said no.

Woken up this morning in lots of pain on my right hand, wrist and forearm. It was bad enough for me to go to A&E where I was told I have Ulnar Nerve damage.

Been advised not to use it unless absolutely necessary which is very annoying because it’s my dominant hand.

Obviously I’ve had the insurer on the phone asking if I’m ok and if I want to make a claim. The car isn’t too bad, so I decided I’d get the paint stuff done myself but obviously an injury is a bit confusing.

Has anyone been in this scenario and how did you weigh up wether you would claim? In fact, what do you even claim for?

The big thing for me is I can’t ride a motorbike for the next 2 weeks at the very least which means I’ll have to commute by train.

I don’t really know. Just hoping to get opinions and advice on what to do next.

Dr Interceptor

5,599 posts

144 months

Monday 18th November
quotequote all
Sorry to hear that, who was at fault for the prang?

Kev_Mk3

1,349 posts

43 months

Monday 18th November
quotequote all
Tell them the honest truth, your injured and they will do what they can. Simple

ashleyman

Original Poster:

5,922 posts

47 months

Monday 18th November
quotequote all
Dr Interceptor said:
Sorry to hear that, who was at fault for the prang?
I’m not at fault. Guy drove into me whilst I was stationary at a red light. Too busy on his phone which he admitted.

Edited by ashleyman on Monday 18th November 17:59

funkyrobot

18,020 posts

176 months

Monday 18th November
quotequote all
ashleyman said:
I’m not at fault. Guy drove into me whilst I was stationary at a res light. Too busy on his phone which he admitted.
fks sake. ranting

I'd be taking him to the cleaners. Really boils my urine when people mess around on their phone when driving.

If he has admitted it it should be an easy claim for you.

It's a shame that because of so many people scamming, genuinely injured people are worried about claiming.

Tell your insurer about what happened when you woke up today. Let them handle it. You pay them for that.

KungFuPanda

3,338 posts

118 months

Monday 18th November
quotequote all
funkyrobot said:
ashleyman said:
I’m not at fault. Guy drove into me whilst I was stationary at a res light. Too busy on his phone which he admitted.
Tell your insurer about what happened when you woke up today. Let them handle it. You pay them for that.
You actually don’t pay your insurer to deal with your own claim for personal injury or any other uninsured losses. Either go to a no win no fee solicitor or one appointed by your legal expenses insurer if you have one.

Your insurer only want to know about injuries so that they can sell your claim into a third parry claims management company.

ashleyman

Original Poster:

5,922 posts

47 months

Monday 18th November
quotequote all
KungFuPanda said:
funkyrobot said:
ashleyman said:
I’m not at fault. Guy drove into me whilst I was stationary at a res light. Too busy on his phone which he admitted.
Tell your insurer about what happened when you woke up today. Let them handle it. You pay them for that.
You actually don’t pay your insurer to deal with your own claim for personal injury or any other uninsured losses. Either go to a no win no fee solicitor or one appointed by your legal expenses insurer if you have one.

Your insurer only want to know about injuries so that they can sell your claim into a third parry claims management company.
I paid extra for legal expenses cover when taking out my policy so that’s all I need right?

KungFuPanda

3,338 posts

118 months

Monday 18th November
quotequote all
Yeah get onto them. They’ll go through the whole process with you.


Ron99

1,146 posts

29 months

Monday 18th November
quotequote all
Some injuries don't show up for a day or two.

The same happens if you overdo the gardening today you might not fully feel the aches and pains until tomorrow.

Quite possibly your insurer is half expecting injuries not apparent yesterday to show themselves today.

Buster73

3,602 posts

101 months

Monday 18th November
quotequote all
funkyrobot said:
fks sake. ranting

I'd be taking him to the cleaners. Really boils my urine when people mess around on their phone when driving.

If he has admitted it it should be an easy claim for you.

It's a shame that because of so many people scamming, genuinely injured people are worried about claiming.

Tell your insurer about what happened when you woke up today. Let them handle it. You pay them for that.
“Take him to the cleaners” ?

What a load of bks that term is.

The insurance will pay out accordingly.

Matt_E_Mulsion

318 posts

13 months

Monday 18th November
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I'm confused, one minute you are saying that there is only minor paint damage that you'll sort yourself and you wouldn't have even reported it to your insurance if the police hadn't turned up. But then you are also saying it threw you forward in the chair and you have sustained an injury. Which is it???

SFTWend

80 posts

23 months

Monday 18th November
quotequote all
I'm not ordinarily a supporter of the "claim whatever you can" attitude as it just pushes up insurance premiums and keeps ambulance chasers in work.

However, if the driver at fault was on their phone they and everyone else that does the same needs to be taught a lesson. If you have Legal Cover as part of your policy I recommend using it to claim for the physical injury and impacts such as inability to ride your bike.

KungFuPanda

3,338 posts

118 months

Monday 18th November
quotequote all
Matt_E_Mulsion said:
I'm confused, one minute you are saying that there is only minor paint damage that you'll sort yourself and you wouldn't have even reported it to your insurance if the police hadn't turned up. But then you are also saying it threw you forward in the chair and you have sustained an injury. Which is it???
Unless you’re the District Judge that will be hearing the claim if it goes that far, it’s none of your business is it.

Flumpo

1,135 posts

21 months

Monday 18th November
quotequote all
Matt_E_Mulsion said:
I'm confused, one minute you are saying that there is only minor paint damage that you'll sort yourself and you wouldn't have even reported it to your insurance if the police hadn't turned up. But then you are also saying it threw you forward in the chair and you have sustained an injury. Which is it???
Both, clearly.

Even very slow impacts give a hell of a jolt. Bumpers are designed to take the impact and may show little damage.


Matt_E_Mulsion

318 posts

13 months

Monday 18th November
quotequote all
KungFuPanda said:
Unless you’re the District Judge that will be hearing the claim if it goes that far, it’s none of your business is it.
If it's none of mine or anyone's business, why is it being discussed on a public internet forum???

ashleyman

Original Poster:

5,922 posts

47 months

Monday 18th November
quotequote all
Matt_E_Mulsion said:
I'm confused, one minute you are saying that there is only minor paint damage that you'll sort yourself and you wouldn't have even reported it to your insurance if the police hadn't turned up. But then you are also saying it threw you forward in the chair and you have sustained an injury. Which is it???
Both.

There is only minor paint damage to the car as it was a relatively low speed impact. I'd estimate he went into my stationary car at 4 or 5 MPH - not enough to do any major damage to a vehicle but enough to jolt/shock somebody forward in a chair.

Matt_E_Mulsion said:
If it's none of mine or anyone's business, why is it being discussed on a public internet forum???
It's being discussed because I asked for advice. I've only ever heard of people claiming for 'COMPENSAYSHUN' so wasn't sure how it all worked if you had a genuine concern.

My biggest concern right now is how do I get to work if I can't ride a motorbike and how do I get a GP appointment without taking a day off work - I wondered if going through my insurance would help me with these things. Not so much, wrist hurts give me money.

SFTWend said:
I'm not ordinarily a supporter of the "claim whatever you can" attitude as it just pushes up insurance premiums and keeps ambulance chasers in work.

However, if the driver at fault was on their phone they and everyone else that does the same needs to be taught a lesson. If you have Legal Cover as part of your policy I recommend using it to claim for the physical injury and impacts such as inability to ride your bike.
He was on his phone. Admitted to me he was looking at the map instead of where he was going. Really wish I had recorded the interaction now as I doubt he'll admit it to his insurers.

Edited by ashleyman on Monday 18th November 21:41

Dr Interceptor

5,599 posts

144 months

Monday 18th November
quotequote all
You will need to take time off to see a GP.

You will need to arrange alternate transport (train) if you can’t ride a bike.

These are called uninsured losses, and will form part of your claim against the third party.

funkyrobot

18,020 posts

176 months

Tuesday 19th November
quotequote all
Buster73 said:
funkyrobot said:
fks sake. ranting

I'd be taking him to the cleaners. Really boils my urine when people mess around on their phone when driving.

If he has admitted it it should be an easy claim for you.

It's a shame that because of so many people scamming, genuinely injured people are worried about claiming.

Tell your insurer about what happened when you woke up today. Let them handle it. You pay them for that.
“Take him to the cleaners” ?

What a load of bks that term is.

The insurance will pay out accordingly.

Cold

7,839 posts

38 months

Tuesday 19th November
quotequote all
Might be worth having your car inspected too. Like your wrist, damage can be hidden.

ashleyman

Original Poster:

5,922 posts

47 months

Tuesday 19th November
quotequote all
Cold said:
Might be worth having your car inspected too. Like your wrist, damage can be hidden.
Yep. Planning to do this. Just awkward trying to arrange it without taking time off work.