Now what? Had medical interview for claim

agnes · 23 Mar 2010 at 15:31

Just had the interview/examination, was honest, got my point across that all is not well since the knock.

So, knock happened on 21'st jan, bike has been repaired and back to me, now this examination, what do I expect now? and how long till I am compensated? Is it really going to take years?

Other party admitted 100% liability right from the start.

ags

[TW]Fox · 23 Mar 2010 at 15:33

agnes said:
exaggerated to get my point across

whippy compo innit :rolleyes:

UncleBensSauce · 23 Mar 2010 at 15:34

agnes said:
Just had the interview/examination, was honest and exaggerated to get my point across that all is not well since the knock.

So, knock happened on 21'st jan, bike has been repaired and back to me, now this examination, what do I expect now? and how long till I am compensated? Is it really going to take years?

Other party admitted 100% liability right from the start.

ags

GF put in a claim about 2 years ago - still not sorted (whiplash - but actually stopped her working for a considerable period)

SGWills · 23 Mar 2010 at 15:36

*waits for the next my insurance price has gone up thread* :rolleyes:

exaggerating wont get your price across just how much you might get paid out but it will al go towards the stastics to increase premiums next year

EddScott · 23 Mar 2010 at 15:40

Wife made a claim from an accident in Jan 09 and finally got paid Jan 10.

Fox - so if someone crashes into you which causes neck and shoulder pain you won't make a claim for fear of being accused of jumping on the compo wagon?

jamief · 23 Mar 2010 at 15:40

agnes said:
Just had the interview/examination, was honest and exaggerated to get my point across that all is not well since the knock.

So, knock happened on 21'st jan, bike has been repaired and back to me, now this examination, what do I expect now? and how long till I am compensated? Is it really going to take years?

Other party admitted 100% liability right from the start.

ags

Honest AND exaggerated do not go together.

iaind · 23 Mar 2010 at 15:43

Nice edit, hopefully your claim will be denied

I've claimed after being a passenger in an accident, but I was actually injured so claimed the earnings I missed out on.

The compensation culture these days is sick

[TW]Fox · 23 Mar 2010 at 15:46

EddScott said:
Fox - so if someone crashes into you which causes neck and shoulder pain you won't make a claim for fear of being accused of jumping on the compo wagon?

That depends. If it causes me to have time off work to such an extent that I lose money, then yes, I would make a claim. If it didnt, then no, I would not. What would I be claiming for? It has caused me no monetary loss so what purpose would the money have? Its not going to make me feel better is it?

I was in a car where somebody crashed into the rear a set of traffic lights. I had a sore neck for weeks. It was a real pain.

I didnt claim though, why should I? Stuff happens and I had no financial loss..

ringo747 · 23 Mar 2010 at 15:50

iaind said:
Nice edit, hopefully your claim will be denied

The compensation culture these days is sick

+1. Won't even bother typing a proper response to whippo claim idiots like this.

Funny how they always know it's whiplash before they even see a doc.

Participant · 23 Mar 2010 at 15:52

[TW]Fox;16215669 said:
That depends. If it causes me to have time off work to such an extent that I lose money, then yes, I would make a claim. If it didnt, then no, I would not. What would I be claiming for? It has caused me no monetary loss so what purpose would the money have? Its not going to make me feel better is it?

I was in a car where somebody crashed into the rear a set of traffic lights. I had a sore neck for weeks. It was a real pain.

I didnt claim though, why should I? Stuff happens and I had no financial loss..

Private / improved medical care?

[TW]Fox · 23 Mar 2010 at 15:53

Robbie G said:
Private / improved medical care?

The claims take absolutely months and months though so by the time you got the money its likely its all over anyway.

EddScott · 23 Mar 2010 at 15:53

iaind said:
The compensation culture these days is sick

You could argue that the system itself is part of the problem. In order to make a valid claim you should have a doctor to certify that you do actually have some sort of injury. Genuine neck and shoulder injury, you can see the inflamation of the muscles.

If a doctor won't confirm that you indeed injured then you shouldn't be able to make a claim.

The system itself IMO is bent and typically those that fund the insurance companies and the claim lawyers (you and me) come off worse. You get what? £1000 for some half assed neck pain yet over the course of your driving life you could pay tens of thousands of pounds. The story that fake claims pushes up insurance may have some element of truth but in reality the house always wins.

[TW]Fox;16215669 said:
I didnt claim though, why should I? Stuff happens and I had no financial loss..

By not claiming you caused yourself financial loss. If no fake claims were made do you honestly think premiums would come down accordingly? Would they hell. By taking some moral high ground and not claiming it may give you warm feelings inside but personally I'd rather have the cash.

[TW]Fox · 23 Mar 2010 at 15:57

EddScott said:
By not claiming you caused yourself financial loss.

No, by not complaining I incurred opportunity cost. Not the same thing.

But I didn't lose any earnings so why would I claim? There was no financial penalty to me as a result of the third parties negligence - just the damage to the car I was in.

cymatty · 23 Mar 2010 at 16:02

[TW]Fox;16215741 said:
No, by not complaining I incurred opportunity cost. Not the same thing.

But I didn't lose any earnings so why would I claim? There was no financial penalty to me as a result of the third parties negligence - just the damage to the car I was in.

You should be entitled to compensation for pain and suffering (if you had it) though, it is not your negligence that caused your pain.

InvaderGIR · 23 Mar 2010 at 16:06

cymatty said:
You should be entitled to compensation for pain and suffering (if you had it) though, it is not your negligence that caused your pain.

But if the pain doesn't cause financial loss then there is no point claiming as you're not out of pocket, just in a bit of pain...the same as if you fell off a ladder when working on your house.

cymatty · 23 Mar 2010 at 16:09

InvaderGIR said:
But if the pain doesn't cause financial loss then there is no point claiming as you're not out of pocket, just in a bit of pain...the same as if you fell off a ladder when working on your house.

I am not on about claiming for pain that you have for a few days, I am talking about pain which lasts a lifetime. You may not incur a financial loss from it but I would damm sure want to be compensated for it.

EddScott · 23 Mar 2010 at 16:18

[TW]Fox;16215741 said:
No, by not complaining I incurred opportunity cost. Not the same thing.

The insurers gear premiums upwards and veil it under the pretence that your higher premium is due to fake claims. So you have paid more on the basis that the insurer expects you to make a claim. By not making a claim you have lost money.

cymatty said:
I am not on about claiming for pain that you have for a few days, I am talking about pain which lasts a lifetime. You may not incur a financial loss from it but I would damm sure want to be compensated for it.

To be fair, if your in that sort of pain then you would say a claim would be acceptable. The issue is when people actually don't have any injuries and still claim. If a doctor doesn't agree that you are injured then you can't make a claim (not sure if you can claim without a doc report - wife had a report etc but she had more than just whiplash) If I was completely unhurt then I probably wouldn't claim. However that doesn't change my feelings that if the insurers weren't making on it, they wouldn't allow it.

[TW]Fox · 23 Mar 2010 at 16:28

EddScott said:
By not making a claim you have lost money.

You cannot lose what you do not have. Opportunity cost is not an actual loss.

.one. · 23 Mar 2010 at 16:31

agnes put your text back in please it is coming across as a little embarrassing.

EddScott · 23 Mar 2010 at 16:42

[TW]Fox;16215980 said:
You cannot lose what you do not have.

You have already "lost it" through your insurance premium by your insurance company loading your premium on the assumption you will at some point make a false claim. By not making that false claim you have not recieved that money back.