Now what? Had medical interview for claim

I'm sorry MrLOL if that the way you see this, I backed out of the thread as it seemed I had given the wrong impression and as you said, the damage had been done, I generally get along with a fair few people on this forum who I'm sure will back me up in saying my intentions were good with this thread.

I will seek advice and opinions elsewhere :)

Again, sorry chap, not sure why it got personal, but if it was my fault, know it wasn't intentional.

ags
 
Are we saying then that an injured person with no employable earnings (unemployed or retired for example) should not make a claim?
 
The_Abyss said:
Are we saying then that an injured person with no employable earnings (unemployed or retired for example) should not make a claim?
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Who's 'we'? Some seem to be saying that, but they are failing to understand that loss of earnings is only part of the picture in an accident injury scenario.

However agnes's backtracking has been a wonder to behold :D.
 
[TW]Fox;16216364 said:
You dont make a personal injury claim against your own insurer.
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No, but if you crash into someone they will claim off your insurance. Your premium is higher to take this into consideration. You do understand how an insurance company makes money, yes?

Dogbreath said:
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?
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You might like to read my posts again - they may enlighten you.

As above, your insurer loads your premium more than is required to cover the risk of a claim against you. The insurer makes more money on your premium and claims its to cover fraudulent claims.

Ask yourself why is it easier to claim a hard to prove neck injury than actually having your car repaired? The 3rd part liability will have several steps of re-insurance and it each step the insurer makes money on the person paying the premium.

I would also ask you to read my posts again to make sure you understand that I don't actually agree with the system. However, should someone crash into me and cause me pain then I will claim against them. If the crash didn't cause me pain then I probably wouldn't claim.
 
Robbie G said:
Who's 'we'? Some seem to be saying that, but they are failing to understand that loss of earnings is only part of the picture in an accident injury scenario.

However agnes's backtracking has been a wonder to behold :D.
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Have you ever been knocked off a motorbike by a car?

Getting hit at 30 when you're stationary on a bike is no fun and I have no doubt at all that his injuries are real.

Possibly his choice of wording was a mistake, but surely you see what he's getting at? People have a tendency to say 'nah I'll be alright', which when you're making a claim like this will obviously get you nowhere.

Of course don't let common sense get in the way of a good old fashioned OcUK Motors thread gangrape, eh?
 
To be fair, I had whiplash (In a mates car, rear ended at 65mph), I still get a bit today occasionally, but i'm not going to sue someone. Thats such an american thing to do.

I just took some strong painkillers and got on with life, work through the pain.

I would only claim if I absolutely had to, to protect my assets. Seems today, people get some neck pain and then go "Oh I can work" when I had it, it was terrible but I could work while in pain.
 
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Someone drove into me whilst I was stationary at a set if traffic lights on Fri June 13th 2008. He caused over £3000 damage to the rear of an MB C220CDI Sport I had as a company car at the time.

Leading upto this period I was playing a lot of squash and badminton, after the accident due to back and neck pain I could not play.

No immediate symptoms, however 6 months down the line I was having to take time off work because I couldn't get out of bed.

Anyway cut a long story short and a lot of pain later, I was awarded £3500 for my injury.

I'm still not 100% and can't really play squash for any period of time and I've put a stone in weight on!

I have been rear ended before about 6 years ago, caused £50 worth of damage and no one hurt, I didn't claim then and damage to car was settled by the driver personally.
 
EddScott said:
No, but if you crash into someone they will claim off your insurance. Your premium is higher to take this into consideration. You do understand how an insurance company makes money, yes?
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Yes, barely.

The motor insurance industry has one of the worst premium:payout ratios in the entire insurance industry. Mostly because of people like yourself, I should imagine.

'Oooh I've got a headache, compo time! Why not, I've paid..'
 
Wife got taken out on her bike and has suffered whiplash, actually real whiplash too :) She had her accident in June 2008. Went everywhere she was advised to go to but no-one could find anything :( Finally saw a head physio (after 18months of going from person to person) who found it in a matter of minutes. Anyway the claim hasn't been settled yet.

You have two options, take the cash based on the medical estimate on how long he thinks you'll take to heal or wait it out until it is healed. Clearly, if you accept the first offer on the basis your injuries are healed in x time and they don't heal you have no recourse. Even if it affects the rest of your life.

She was offered x amount based on her injuries healing in 4-6 months, we were gonna accept that but thankfully we didnt. She's just had her second medical estimate, so I assume a new offer will be on the table soon, which we'll accept assuming its accurate! atleast the physio has confirmed her injury can be fully healed.
 
Robbie G said:
You are equating that behaviour to exaggeration?
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No, I'm saying that by 'exaggurated' he presumably means actively trying not to play tough which is the natural thing for people to do in this situation. If he plays tough he'll get signed off as fine when he's not and he won't get any money back for the two weeks he's had off.

Quite how you kids managed to twist that into screaming whiplash and trying to get six months off work I don't know. OP was poorly worded - it doesn't mean he's a ***** scumbag doley compo hunter.
 
[TW]Fox;16220649 said:
Yes, barely.

The motor insurance industry has one of the worst premium:payout ratios in the entire insurance industry. Mostly because of people like yourself, I should imagine.

'Oooh I've got a headache, compo time! Why not, I've paid..'
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You really are tedious. I've said several times I would not claim unless I felt genuine pain. I've also said several times that if the insurers were not making more money out of fraudulent claims they'd stamp it out. This would indicate it has nothing to do with false claims and more to do with insurer greed being slightly higher than that of the great unwashed.
 
[TW]Fox;16220649 said:
'Oooh I've got a headache, compo time! Why not, I've paid..'
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If the injury is covered by the insurance, and by that I mean if a headache is covered, to use your childish example, and the headache was sustained as a result of an accident which is equally covered by the insurance, why wouldn't a claim be made.

If nothing else, it will force insurers to let the market decide if they need to cover injuries such as headaches, and to do so they won't bury in small print.
 
EddScott said:
You might like to read my posts again - they may enlighten you.
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I did, they didn't.

Insurance premiums have inevitably risen due to the number of personal injury claims (fraudulent or not), but you appear to be suggesting that insurers are loading the premiums more than they need to cover these claims, and that therefore we should feel no guilt in claiming "compo". Do you not see a rather circular problem here?
 
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i believe you should claim for what you believe you should get but in the same breath people are quick enough to shout and scream their insurance has gone up
 
As some have said, my wording choice was terrible lol. Anyway, I would like to thank those that saw past my terrible OP and got answering the general question. Nice to know, I have booked my self into a private physiotherapist as my job does depend upon me lifting and I don't want to be out of work for not taking the correct precautions.

I will NOT be claiming on this booking how ever, because as far as I see it, I am preventing further events rather than curing previous. Went against my solicitors advice though.

Ags
 
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