Just been rear ended !!
Discussion
So am sat with my dad in his newly restored XJS this aft top of the M55 slipway stationary waiting for a gap in the traffic to get onto the roundabout when the guy behind runs into the back of us at no more than 5 MPH. We all get out no damage to his car but the rear bumper on the XJS has dent in it so swap name addresses etc and off home. Soon as we arrive back my dad rings his insurance company and explains all, they then come back to him saying as he is not to blame whatsoever they are using another company to deal with the claim and this way it will cost him nothing and no loss of his NCB.
Great so this other company (I won’t name names on here) rings my dad who is on his hands free and the conversation ends up after all details etc have been discussed like this....ins company’s “did you suffer any injuries" dad "no am fine" did your son, no he's fine as well, are you sure, yes we are both ok it was only a minor shunt, ah well you might be sore tomorrow or the day after we will ring you back in 2 days to confirm....so my dad says no need to ring me back we are both totally unhurt the guy replies look do you realise there is a minimum of a couple of hundred pounds if you have suffered any injury even a small one!
UNBELIEVABLE....I keep reading that young people like me can’t afford insurance because of bogus whiplash claims but here is someone dealing with my dad on behalf of his insurance company trying their hardest to get him to say he was injured. No wonder the whiplash claims are ridiculous and premiums are so high, seems to me if you are rear ended when stationary it is a license to print money and any honest person can soon be talked into changing their story very easily. My dad stuck to his not injured at all turn of events and as he said why should he tell lies and expect me to do the same for a few hundred quid the whole industry is bent from the insurance companies to the no win no fee lawyers it truly is a joke!
Great so this other company (I won’t name names on here) rings my dad who is on his hands free and the conversation ends up after all details etc have been discussed like this....ins company’s “did you suffer any injuries" dad "no am fine" did your son, no he's fine as well, are you sure, yes we are both ok it was only a minor shunt, ah well you might be sore tomorrow or the day after we will ring you back in 2 days to confirm....so my dad says no need to ring me back we are both totally unhurt the guy replies look do you realise there is a minimum of a couple of hundred pounds if you have suffered any injury even a small one!
UNBELIEVABLE....I keep reading that young people like me can’t afford insurance because of bogus whiplash claims but here is someone dealing with my dad on behalf of his insurance company trying their hardest to get him to say he was injured. No wonder the whiplash claims are ridiculous and premiums are so high, seems to me if you are rear ended when stationary it is a license to print money and any honest person can soon be talked into changing their story very easily. My dad stuck to his not injured at all turn of events and as he said why should he tell lies and expect me to do the same for a few hundred quid the whole industry is bent from the insurance companies to the no win no fee lawyers it truly is a joke!
w
kers.
I had someone turn across in front of me last year, clumped them - which wrote my car off (value around £1000)
There were 3 of us in my car at the time - and I remember saying that some buggers would probably try to also claim whiplash x3 for that...
The sooner we have legislation to stop this, the better.
kers.I had someone turn across in front of me last year, clumped them - which wrote my car off (value around £1000)
There were 3 of us in my car at the time - and I remember saying that some buggers would probably try to also claim whiplash x3 for that...
The sooner we have legislation to stop this, the better.
Cemesis said:
Your 'accident' has been sold by your insurance company to another company that can make a profit out of it. Quick money for your insurance company.
Report them to the Ombusmen (however you spell that). More people need to do that, even if nothing comes of it.
Although we'd all like them to be illegal, I don't think referral fees are something the ombudsmen are too interested in I'm afraid. It's the industry norm. Agree with the sentiment though.Report them to the Ombusmen (however you spell that). More people need to do that, even if nothing comes of it.
bencollins4 said:
Although we'd all like them to be illegal,
That is a really weird thing to say when I had a crash, the claims management, the broker, the insurance company all wanted me to pursue 'discomfort' claims. the industry is driven by the insurance industry whatever people say, as it is all about profits and these scams bring a lot in.10 years ago I had a crash and the experience was no where near the hard sell it is now..
A mate of mine ran into the back of somebody at low speed. Everybody OK and details exchanged same as you. He and his insurance company were then scammed by an accident mgt company same you are being encouraged to do.
Apparently, this can only happen in the event of no fault, non disputed claims.
How long before there is counter dishonesty? Say you hit somebody in the circumstances above? Rather than admit liability, why not claim the other driver slammed on the brakes and you suspect fraud therefore are not admitting liability?
Disputed claim? Insured party not admitting fault? There goes your free hire car and promotional iPad.
Good on you OP btw.
Apparently, this can only happen in the event of no fault, non disputed claims.
How long before there is counter dishonesty? Say you hit somebody in the circumstances above? Rather than admit liability, why not claim the other driver slammed on the brakes and you suspect fraud therefore are not admitting liability?
Disputed claim? Insured party not admitting fault? There goes your free hire car and promotional iPad.
Good on you OP btw.
bencollins4 said:
Cemesis said:
Your 'accident' has been sold by your insurance company to another company that can make a profit out of it. Quick money for your insurance company.
Report them to the Ombusmen (however you spell that). More people need to do that, even if nothing comes of it.
Although we'd all like them to be illegal, I don't think referral fees are something the ombudsmen are too interested in I'm afraid. It's the industry norm. Agree with the sentiment though.Report them to the Ombusmen (however you spell that). More people need to do that, even if nothing comes of it.
(or 
).
Okay, maybe I'm over simplifying this, but ...
Insurance premiums are supposedly on the rise due to all these claims for 'whiplash', however the insurance companies themselves are enabling this practice by selling our details on to these ambulance chasers. Fair enough, they make a few pennies in referral fees but they then have to pay out in claims for whiplash etc. Surely this is counter productive?
Simply put, insurance companies appear to be encouraging the very industry that is costing them money.
Insurance premiums are supposedly on the rise due to all these claims for 'whiplash', however the insurance companies themselves are enabling this practice by selling our details on to these ambulance chasers. Fair enough, they make a few pennies in referral fees but they then have to pay out in claims for whiplash etc. Surely this is counter productive?
Simply put, insurance companies appear to be encouraging the very industry that is costing them money.
aw51 121565 said:
I don't think he was referring to the, errm, referral fees - rather that there are feelings that the insurance company concerned are arguably acting immorally (but not, sadly, illegally) in passing the accident details on to a 'claims management company' within a few minutes of being notified of the incident; this behaviour in turn is not helping to reduce insurance costs, as the OP said (or ).
My point was that this company is trying to get him to falsly claim in order to increase their profits. Thats fraud and whilst not provable, if a number of people complain about the same company, they will investigate. (or ).Sit down everybody, i had a accident 18months ago, a van reversed into my stationary car total non fault and i did not have anybody phone me asking about suing the other party. Now that would have been a mine field as i has a personal injury from a non fault claim going through at the time.
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