Mp's Attack Wiplash Claims
Discussion
Morning all
http://www.bbc.co.uk/news/business-16510793
This is a step in the right direction
discuss
VR
http://www.bbc.co.uk/news/business-16510793
This is a step in the right direction
discuss
VR
Blame culture, pinnicale of capatalist society, lack of moral responsibilty etc etc.
As long as there are insurance companies wanting to increase their profits rather than sustain them and people willing to pay the prices they make up as well as claim for non-existent injuries then premiums will go up.
Makes you angry doesnt it
As long as there are insurance companies wanting to increase their profits rather than sustain them and people willing to pay the prices they make up as well as claim for non-existent injuries then premiums will go up.
Makes you angry doesnt it
will_ said:
I still don't understand why, in this day and age of adjustable head restraints, it isn't 100% contributory negligence to fail to adjust it properly in the first place. That would reduce these types of claims dramatically overnight.
that's a good point. this in the 'stupid things not petrolheads say' thread. says alot.
busta said:
A friend had an accident where she drove into the back of a car queueing at a set of traffic lights. In her own words:
"Unfortunately nobody hit the back of my car so the insurance will say it's my fault" and "the guy infront of the car I hit didn't even stop even though he caused the crash" (his car was untouched).
When I suggested it was usually the fault of the person who crashes into the things in front of them, as they clearly aren't looking where the are going, all my friends called me ridiculous. Typical young persons attitude to driving? (I'm 26, but we're talking 17-20 year olds in this instance.)
VR"Unfortunately nobody hit the back of my car so the insurance will say it's my fault" and "the guy infront of the car I hit didn't even stop even though he caused the crash" (his car was untouched).
When I suggested it was usually the fault of the person who crashes into the things in front of them, as they clearly aren't looking where the are going, all my friends called me ridiculous. Typical young persons attitude to driving? (I'm 26, but we're talking 17-20 year olds in this instance.)
Bloody hell, at last, how long has it took them.
I bet everyone here knows someone who has claimed and made a lot of money when it was nothing wrong with them.
I know someone who has made up to £10k doing this and he moaned when his insurance went up last year. (as well as everyone elses) Wtf.
I told him, its went up because of people like you claiming, he just laughed.
I bet everyone here knows someone who has claimed and made a lot of money when it was nothing wrong with them.
I know someone who has made up to £10k doing this and he moaned when his insurance went up last year. (as well as everyone elses) Wtf.
I told him, its went up because of people like you claiming, he just laughed.
badlands1 said:
Bloody hell, at last, how long has it took them.
I bet everyone here knows someone who has claimed and made a lot of money when it was nothing wrong with them.
I know someone who has made up to £10k doing this and he moaned when his insurance went up last year. (as well as everyone elses) Wtf.
I told him, its went up because of people like you claiming, he just laughed.
He recieved £10K in compensation, how long would it take the insurance company to make that back? couple of minutes, an hour?I bet everyone here knows someone who has claimed and made a lot of money when it was nothing wrong with them.
I know someone who has made up to £10k doing this and he moaned when his insurance went up last year. (as well as everyone elses) Wtf.
I told him, its went up because of people like you claiming, he just laughed.
Point is, insurance is getting more expensive not because people are claiming more but because people are recieving pay outs and are willing to pay an increase in their premium if they feel they will benefit after a prang
Edited by Bisonhead on Thursday 12th January 09:45
"The government should bring forward primary legislation to require objective evidence - both of a whiplash injury and of it having a significant effect on the claimant's life - before compensation is paid."
Too right. Why isn't this the case already? And how do they calculate the sums payable if no evidence is required of the 'injury' having a serious affect on the claimant's life?
I can't wait for the day when this kind of thing is legislated out.
Too right. Why isn't this the case already? And how do they calculate the sums payable if no evidence is required of the 'injury' having a serious affect on the claimant's life?
I can't wait for the day when this kind of thing is legislated out.
mig25_foxbat2003 said:
"The government should bring forward primary legislation to require objective evidence - both of a whiplash injury and of it having a significant effect on the claimant's life - before compensation is paid."
Too right. Why isn't this the case already? And how do they calculate the sums payable if no evidence is required of the 'injury' having a serious affect on the claimant's life?
I can't wait for the day when this kind of thing is legislated out.
Because it's too expensive to fight - why risk paying out £5k when you can get rid of the claim for £1.5k? At the end of the day that doesn't make financial sense for the insurance company.Too right. Why isn't this the case already? And how do they calculate the sums payable if no evidence is required of the 'injury' having a serious affect on the claimant's life?
I can't wait for the day when this kind of thing is legislated out.
What is needed is a more rigorous and sceptical judiciary.
Bisonhead said:
He recieved £10K in compensation, how long would it take the insurance company to make that back? couple of minutes, an hour?
Point is, insurance is getting more expensive not because people are claiming more but because people are recieving pay outs and are willing to pay an increase in their premium
Its a catch 22 though. insurance is compulsory and many people there car is to important. Ok I could live with out my car but I couldn't do my job without my company van. Its legal price fixing which is outlawed in every other sector. Point is, insurance is getting more expensive not because people are claiming more but because people are recieving pay outs and are willing to pay an increase in their premium
It drives its self to, the more exspensive the premiums are the more people are temped by the injury claim. I was hit up the back this year, ill admit that I was tempted to claim.
£10k X 100,000 = £1000000000.
VR
Bisonhead said:
Blame culture, pinnicale of capatalist society, lack of moral responsibilty etc etc.
As long as there are insurance companies wanting to increase their profits rather than sustain them and people willing to pay the prices they make up as well as claim for non-existent injuries then premiums will go up.
Makes you angry doesnt it
You can't watch TV for more that 5 minutes without seeing atleast one of the adverts!!As long as there are insurance companies wanting to increase their profits rather than sustain them and people willing to pay the prices they make up as well as claim for non-existent injuries then premiums will go up.
Makes you angry doesnt it
A couple of years ago we'd see a claim a month come in but now we're getting one every few days. They may only make £1,000 from their 'trip' but they can cost £6k+. No accident form, no injury and no evidence of the accident ever happening.
Makes my piss boil - even the workforce have been jumping on the wagon.
Bisonhead said:
He recieved £10K in compensation, how long would it take the insurance company to make that back? couple of minutes, an hour?
WTF are you on 
Put it another way, the cost was the ENTIRE premiums of TWENTY other policy holders (for arguments sake, say £500 premium average).
So if 100 people claim, thats TWO THOUSAND other non-claiming policyholders required.
If 10,000 people than that's 200,000 non-claiming policyholders required.
Dracoro said:
Bisonhead said:
He recieved £10K in compensation, how long would it take the insurance company to make that back? couple of minutes, an hour?
WTF are you on Put it another way, the cost was the ENTIRE premiums of TWENTY other policy holders (for arguments sake, say £500 premium average).
So if 100 people claim, thats TWO THOUSAND other non-claiming policyholders required.
If 10,000 people than that's 200,000 non-claiming policyholders required.
Oooo, is that something that i could claim for
I remember seeing an article on either the news, or a technology program, a piece of equipment that had been developed, that could prove or disprove whiplash injuries - The guy that invented it had approached the insurance industry, who turned him down flat
In this day and age, with so many people claiming whiplash, something like this would be perfect. Turn up to your pre-arranged appointment, get strapped in and tested, positive for whiplash injury, get a payout from the insurance company, negative result for whiplash, get your chequebook out and pay for the examination.
I had quite a big accident when I was 18, in a MKII escort, which didn't exactly stand up too well to the VX Carlton that hit me. I had whiplash, I was in a neck brace for 6 weeks or so, and was told I couldn't drive, as I would be uninsured due to restricted movement/visibilty - To claim for whiplash, I had to have 2 examinations, one was done by my doctor, the other an independant, arranged by the insurance company. My payout for whiplash? £900
What I don't get is how all of these new claims for whiplash are just paid out so easily, and when the person claiming is still getting on with their normal lives without a problem. It's like the insurance industry has gone soft. Make it harder to claim, and less people will do it, and the ones that do have a genuine injury won't have a problem with the extra hassle.
In this day and age, with so many people claiming whiplash, something like this would be perfect. Turn up to your pre-arranged appointment, get strapped in and tested, positive for whiplash injury, get a payout from the insurance company, negative result for whiplash, get your chequebook out and pay for the examination.
I had quite a big accident when I was 18, in a MKII escort, which didn't exactly stand up too well to the VX Carlton that hit me. I had whiplash, I was in a neck brace for 6 weeks or so, and was told I couldn't drive, as I would be uninsured due to restricted movement/visibilty - To claim for whiplash, I had to have 2 examinations, one was done by my doctor, the other an independant, arranged by the insurance company. My payout for whiplash? £900
What I don't get is how all of these new claims for whiplash are just paid out so easily, and when the person claiming is still getting on with their normal lives without a problem. It's like the insurance industry has gone soft. Make it harder to claim, and less people will do it, and the ones that do have a genuine injury won't have a problem with the extra hassle.
Heard it on the radio this morning
The north west of england have the weakest neck muscles anywhere in europe, from the figures i'm surprised it isn't illegal to sell hats as their neck muscles are so weak even a base ball hat would bring instant disability and a heavy crash helment would result in their heads falling off and rolling around the floor.
The north west of england have the weakest neck muscles anywhere in europe, from the figures i'm surprised it isn't illegal to sell hats as their neck muscles are so weak even a base ball hat would bring instant disability and a heavy crash helment would result in their heads falling off and rolling around the floor.
Until someone comes up with a definitive method of determining whether someone has whiplash, the system will still be open to abuse. The insurance companies can't be bothered fighting these claims because they know they can get the money back by increasing premiums for honest drivers (as happens now).
I wonder how many are due to badly-adjusted headrests?
It's a strong argument for fitting a black box/video in the car to record what actually happens - it's probably easier to fight a whiplash claim if the impact was slight and you have the evidence to prove it.
I wonder how many are due to badly-adjusted headrests?
It's a strong argument for fitting a black box/video in the car to record what actually happens - it's probably easier to fight a whiplash claim if the impact was slight and you have the evidence to prove it.
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