Need some spare cash? Have a small accident and fake an injury.

Meridian said:
While he may have been taking the michael, it's a little more complicated.
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That's great, but this was his lower back, not the tendons in his neck.

It was the most minor of minor knocks and he was doing a poor job of acting like he was sore.

I don't even know if he claimed or not, it just seems the first reaction of a lot of people is to go down the 'ouch my neck' route as soon as they get even a tiny bump from behind.
 
Everyone knows the game, it's comming full circle now as people feel the need the claim whippy for any prang just to offset the inflated cost of insuring a vehicle.

Speaking of which....this thread makes my neck hurt....:rolleyes:
 
Would changing the rules on this kind of thing really make a difference? Insurance would still go up regardless due to "recession" and because they can
 
G J said:
Would changing the rules on this kind of thing really make a difference? Insurance would still go up regardless due to "recession" and because they can
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The cynic in me says it would not, knowing very well how finance companies make their monies. And make no mistake, insurance companies are more about 'cooking the books' for profit than they are about providing insurance cover, much like the banking industry.
 
Youre right, I should have been hospitalised. What was I thinking that you'd feel that much of a difference from exactly 6mph and ~10mph.
 
Had a accident a couple of years ago (my fault), he wanted four grand for the car but I couldnt afford it and went through the insurance. I never claimed or anything but he got messed up because he was being investigated in the past for dodgy claims :D

He sent me forms from his solicitors trying to get me to sign something that said it was my fault and I was liable, lol. He then kept on phoning, I told him I aint signing anything and ive already told the insurance its my fault so go through them.

Finally he got the message, however up on till last year I was still getting phonecalls about claiming from 3rd party claim companies.

I blame the govt/insurance companies for making it too easy to claim. Needs to be sorted out, although im sure they've made a new law or are making one that's supposed to make it harder.


****es me off tbh, that whole families can get grands for doing sweet fa yet we get shafted by the rising insurance premiums.
 
Souleh said:
Youre right, I should have been hospitalised. What was I thinking that you'd feel that much of a difference from exactly 6mph and ~10mph.
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Well you are talking nearly double the impact speed, and thus by simple internet forum logic, almost double the energy involved in the collision.

Hardly a stretch to think that there may in fact be a significant difference in the level of consequences resulting from such accidents.
 
Souleh said:
No and ive been told to expect it never to heal. A bad back is for life.

Doesnt mean im a member of the typical bad back brigade of non-workers, I work hard and play hard too. :D
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In that case then i don't see why you should have had any compensation awarded at all.

In my eyes compensation should only be used to pay for physio, stair lifts, access ramps, adapted cars etc.
 
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amigafan2003 said:
In that case then i don't see why you should have had any compensation awarded at all.

In my eyes compensation should only be used to pay for physio, stair lifts, access ramps, adapted cars etc.
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So pain and suffering aren't worth anything? Not just in this case, but as a general principle?


M
 
Twice now though 10 years apart, I have managed to break my leg at Donington Park. Now some could say I was clumsy to which I would concur, but the fact is that both times I was accompanied by people who saw both incidents and on the latter occasion fell in a similar area with some pain to themselves but without the broken bits I got, perhaps providing evidence that it was not just 'me' invoking said clumsy skillzzz.

On both occasions, though more so with the latter, I had every man and his dog moaning that I DIDN'T make a claim against said race track. The first incident was caused by me running back to my car after an event to avoid traffic and my foot dropping into a hole in a grass car park (snap) which was obscured by, er, grass and the latter was me slipping on a spectator bank where my foot went away from me and caused me to fall over on it nastily as I tried to hold up my £80 coffee (snap 2). I am not against the fact that people should be able to claim for gross negligence and in some situations I suggest it is an imperative, but we have seen a culture develop of ambulance chasing and claiming for the very smallest of things that 20 years ago would have simply be seen as one of those things and put down to experience.

I think if you are in an accident that is caused by negligence and this negligence could inflict damage to others if not addressed or causes a long term problem then it needs to be addressed and sadly hurting someones pocket is often the only way to do this. If you stub your toe on a tree stump on a forrest however I don't think claiming against the council for not checking that no stumps sat close to public footpaths is out of order and today we see more and more of these sorts of claims and I find them distasteful.

The fact that we have people who go and seek such claims is beyond the pale too, but sadly another nail in the coffin of personal responsibility...
 
Insurance companies moan, but at the end of the day they make an absolute fortune and the odd whippy claim is a mere drop in their ocean ... yes 2bn sounds a lot, but insurance companies make a mint not just from car insurance but all the other stuff badged along the way, that people never claim on.

Car insurance is an easy target for insurers atm, they can blame whippys, the recession etc because they know we need it... we dont necesarily need health insurance, life, pet, fart etc all that other gumpf they sell to us.

I know its not just car accidents as well, its all the other stuff related to personal accident but still, a mere drop in the ocean to that lot.
 
Souleh said:
The truth is.. people dont pay enough attention on the roads. Its blindingly obvious that everyones too busy to keep eyes front. You see it daily and driver standards and education simple aren't good enough.

Fix the problem not the symptoms
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Even stopped in traffic people should be paying attention to what's happening around them...
 
mehuk said:
Insurance companies moan, but at the end of the day they make an absolute fortune and the odd whippy claim is a mere drop in their ocean ... yes 2bn sounds a lot, but insurance companies make a mint not just from car insurance but all the other stuff badged along the way, that people never claim on.

Car insurance is an easy target for insurers atm, they can blame whippys, the recession etc because they know we need it... we dont necesarily need health insurance, life, pet, fart etc all that other gumpf they sell to us.

I know its not just car accidents as well, its all the other stuff related to personal accident but still, a mere drop in the ocean to that lot.
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The point is that they make up the cost by passing on higher premiums to us.
 
Vonhelmet said:
The point is that they make up the cost by passing on higher premiums to us.
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More than just make up the cost!

Admiral profit boosted by rising car insurance premiums
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http://www.bbc.co.uk/news/business-14643610

The insurers have a sweet gig going, ramp up the premiums, people moan so they roll out some news items about whippy compo, compensation culture and suchlike so placate the angry masses while laughing all the way to the bank. Is it any surprise that they flog the accident details to claims management companies when not only does it net them a bit of extra cash but gives them a highly convenient smokescreen to squeeze more profit out of customers. :cool:
 
Rich_L said:
More than just make up the cost!



http://www.bbc.co.uk/news/business-14643610

The insurers have a sweet gig going, ramp up the premiums, people moan so they roll out some news items about whippy compo, compensation culture and suchlike so placate the angry masses while laughing all the way to the bank. Is it any surprise that they flog the accident details to claims management companies when not only does it net them a bit of extra cash but gives them a highly convenient smokescreen to squeeze more profit out of customers. :cool:
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Insurance companies are not 'not for profit' organisations. If you want one of those, go get insurance with a mutual and feel good about yourself.

I won't defend the practices of some insurers, however general insurance is far from a golden egg or sweet gig. It is incredibly finely balanced on profit and loss, and for every one of these profit stories published, there's another unpublished from a previous year where a loss is involved.

If you do not like the profit your insurer is making then insure yourself somewhere else.
 
An Asda delivery van hit my car yesterday (well I say hit, rather more of a scratch). I'm wondering if I can fake back pain from having to bend down and inspect the damage as part of the insurance claim?
 
danza said:
An Asda delivery van hit my car yesterday (well I say hit, rather more of a scratch). I'm wondering if I can fake back pain from having to bend down and inspect the damage as part of the insurance claim?
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Sounds good. Also, remember the bed wetting and your inability to hold an erection since the incident, stress and all
 
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