Now what? Had medical interview for claim

EddScott said:
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.
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Clearly some people will believe almost anything to justify making a dubious insurance claim :rolleyes:

To answer the OP "Compo" claims can take literally years in some cases. I know someone who has just been paid (a relative pittance) 3 years after a very nasty accident.
 
EddScott said:
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.

:)
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That's just backwards logic.

My insurance company also loaded my premium on the assumption that I would have crashed by now, as I was once a 'young male'. By not crashing I have apparently 'lost out' on something that I was due back (ie a claim)?! Perhaps I should claim some compo, to compensate me for this 'loss'.

As Fox has said, opportunity cost is not an actual loss.
 
Dogbreath said:
Clearly some people will believe almost anything to justify making a dubious insurance claim :rolleyes:
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So you honestly think your insurance company isn't making more money on the premise that its all down to false claims? Someone else clearly believing almost anything :rolleyes:

Like I said, if the companies weren't earning out of false claims they'd stamp it out and make it harder. They make it easy for a reason.

If you are hurt in an accident and don't claim then you have clearly lost money. The money is there to be paid in the event of a claim, you have paid more on the basis that you are likely to make claim. By not claiming you do not receive the money.

By not claiming you do in effect lose money because you have not received any benefit from that money. You have not made a claim so what was the point of paying for insurance (other than a legal requirement)
 
EddScott said:
Like I said, if the companies weren't earning out of false claims they'd stamp it out and make it harder. They make it easy for a reason.
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I'm interested to learn how insurance companies make money from fraudulent claims, and I'm sure the insurance companies would like to know as well?
 
I don't see what the whole fuss / anti compensation attitude on this forum is all about. Sure, if it's an absolute fake claim, then for shame on you. But if you have been in an accident and are now suffering from pain, stiffness, or discomfort due to a direct cause of the accident (even if you haven't suffered loss of work - I can sit at my desk with a stiff neck), which wasn't in any ways your fault. Then a claim is fair game for me.

Let's not forget the OP has not listed his injuries which might be very real. The exaggeration is bad, but let's also not forget he was knocked of his bike, which is usually much more serious than receiving a light bump on your bumper at the lights.
 
[TW]Fox;16216442 said:
The OP edited his post, it originally claimed he had exagerated in order to get more money.
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I know that, as demonstrated on my 2nd paragraph, to which I also disagreed with; However, every time a "shall I claim" or similar thread comes up on these forums, many users are quick to chastise those that start them, which is what the sentance was in reference too.
 
I claimed when the buffoon crashed into me, I never lost any money as it wasn't my car, but still ended up with a shoulder injury for my troubles. He shouldn't have been as negligent as to crash into me, and I hope no-one ever does it in my own car or I'll flip my lid, lol.
 
hilly said:
However, every time a "shall I claim" or similar thread comes up on these forums, many users are quick to chastise those that start them, which is what the sentance was in reference too.
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That's because most people start out by saying:

'5 minutes ago I was bumped by the car behind me, can I claim whippy compo?'


Rather than:

'I was in an accident a few days ago and recently started to suffer quite a bit of pain in my back/neck. I've just been to the doctor and he says it is likely as a consequence of the crash and that if I'm unlucky I might have lasting pain. How do I go about making sure I am properly compensated? Do I need to file a claim now, or can I wait and see if the pain goes away after a few days?'
 
[TW]Fox;16215708 said:
The claims take absolutely months and months though so by the time you got the money its likely its all over anyway.
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Physiotherapy etc. that you pay for yourself which you are then reimbursed for at a later date.

It's perfectly reasonable in that regard.
 
div0 said:
That's because most people start out by saying:

'5 minutes ago I was bumped by the car behind me, can I claim whippy compo?'


Rather than:

'I was in an accident a few days ago and recently started to suffer quite a bit of pain in my back/neck. I've just been to the doctor and he says it is likely as a consequence of the crash and that if I'm unlucky I might have lasting pain. How do I go about making sure I am properly compensated? Do I need to file a claim now, or can I wait and see if the pain goes away after a few days?'
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Is that actually true though?

All I'm saying is that whenever a thread like this comes up the general concensus is: If you've not lost money, then don't claim. But it's not just about money loss in some cases, it's about the aches and pains which someone has caused you, even though you've not done anything wrong...

I'm not saying make a claim up, or exaggerate however, I'm just saying it's not all about money loss.
 
All depends on everyone involved, but can vary greatly. My mate had an accident on the 25th Feb 2010 and just agreed today to a settlement pre-medical - 3 1/2 weeks. However, others have mentioned cases which have gone on for 1/2 years. It does depend on how long the injuries last and in essence, until they either heal or it is established they'll never heal or very unlikely, the case won't be able to be closed.
 
Well, to clear up some of the 'confusion', my 'original' wording was lets say, not the best, I had 3 weeks off work, 1st week was covered by sick pay, the further 2 weeks were out of my holiday otherwise I would have lost money, I spent 2 of those weeks barely able to get out of bed. I still wake up several times a night with sore lower back pain, stiff neck in the morning. But over the day it wears off. My physiotherapist (appointed by ins company) said I had this thing in my nerves between my shoulder blades which is the case for some of the above and the numbness in my hands sometimes (don't remember technical term). He said it is a long lasting injury and not much can be done in short time.

So when I say I exaggerated, I stated all of the above. If I were to be typical me, I would have said "A box of painkillers will do".

But! As I have been injured, all advice given to me by both medical professionals and solicitors, they advised to claim.

Sorry, but I also (beleive it or not) am one of those people that wouldn't claim a false claim because 1) It will come back and bite me in the arse at some point 2) Not my money, again, see point 1, 3) I am a nice bloke and generally don't wanna be ripping off the other party since the chap who hit me still rings me on the weekends to see how I am...

So, before you lot jump to a conclusion again, simply ask for details. You preaching old gits ^_^

Oh, I was stationary on my motorcycle at lights when I was hit by a BMW doing 30mph... Just to put the 'shunt' into perspective.

Ags
 
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MrLOL said:
... very telling

as such whatever you say now is likely to be seen a smoke screen to justify your compo. Good luck with that.
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Usually I'd agree, but there are times when I simply 'get on with things' even when I know a visit to the doctor/hospital should be the proper course of action.

I think the point he was making is, he could have (to a great inconvenience) carried on and just dealt with it, but instead he was truthful past what he normally is.
 
he could well be.

but his choice of wording implied one thing. if he now back tracks from that after the slating certain members gave him, its only going to look like he's back tracking to save face.

OP cant win in this case now he's said what he has.
 
MrLOL said:
he could well be.

but his choice of wording implied one thing. if he now back tracks from that after the slating certain members gave him, its only going to look like he's back tracking to save face.

OP cant win in this case now he's said what he has.
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True, the damage has been done, however it's up to the insurance companies and the police to determine who is telling the truth and considering this is a motors forum and members pride themselves on helping out maybe we should cut the guy some slack and either offer some helpful advice instead of berating someone who by the sounds of it had quite a nasty accident.

Not aimed at anyone btw.
 
its an internet discussion forum. your always going to get good mixed with the bad.

I've seen far worse on pistonheads berating people for really trivial things - even by OcUKs standards.
 
This was in the US, but.

My missus was t-boned by an 85 year old who ran a light. She hit the passenger side otherwise she wouldn't have lived.

Her claim took 5 years but they settled out of court for $50K. Sounds a lot but my missus to this day still has back and shoulder pain from this accident, so much so that she cries in pain sometimes, it's rare but it happens. IMO 50K is no where near enough for what seems like a problem that will be with her for the rest of her life.

The insurance co fought all the way and even video taped her doing showjumping. She decided to carry on for one more season rather than give up the sport she loved.

Her initial injuries didn't seem that bad but grew steadily worse.
 
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