car crash

maddog · 28 Aug 2011 at 18:14

I was in a car crash yesterday my mrs was driving it was her fault,
her and my kids haven't a mark on them thank god,I have ligament damage in my right foot and a broken wrist.

As we've never been in this situation before people keep telling me to claim on her insurance.

Would you??
would it be worse for us in regards to the cost of her car insurance?

any advice

cheers

Robbo · 28 Aug 2011 at 18:16

You've had a car crash (and you are injured as a result of it). Do everything through your insurance.

[TW]Fox · 28 Aug 2011 at 18:19

You are going to claim compo innit from your wife?

Will the compo money turn time back and fix your wrist?

jon.bda · 28 Aug 2011 at 18:20

maddog said:
I was in a car crash yesterday my mrs was driving it was her fault,
her and my kids haven't a mark on them thank god,I have ligament damage in my right foot and a broken wrist.

As we've never been in this situation before people keep telling me to claim on her insurance.

Would you??
would it be worse for us in regards to the cost of her car insurance?

any advice

cheers

Its your wife and i'm sure she didn't do it on purpose. If you feel the need then ring one of the no win no fee muppets that advertise on tv...

NathanE · 28 Aug 2011 at 18:20

Wtf? Claim for compo (no matter how legit your injuries are) from your wife's insurance?

daveydave · 28 Aug 2011 at 18:20

I don't understand. You're wife crashes the car, thankfully both her and your kids are okay.

But for you, the most important thing is "claiming" compensation. Explain to me what "right" you have to compensation or why you feel so inclined to the "entitlement" to claim.

Ladies and gentlemen, this is the very reason car insurance is so bloody expensive.

In response to the OP, no get yourself fit and healthy and carry on.

PhillyDee · 28 Aug 2011 at 18:21

[TW]Fox;19941475 said:
You are going to claim compo innit from your wife?

Will the compo money turn time back and fix your wrist?

How about loss of earnings (assuming unable to go to work)?

scrlk · 28 Aug 2011 at 18:23

Although he might not be able to do some pleasurable activities due to his wrist, I'm sure his wife can help him out.

[TW]Fox · 28 Aug 2011 at 18:28

PhillyDee said:
How about loss of earnings (assuming unable to go to work)?

You assume there would be loss of earnings? What if there isn't? A majority of full time employees would suffer no loss of earnings if they were off for a few days with a broken wrist.

maddog · 28 Aug 2011 at 18:29

Yeah i don't get paid for time off,can't do my job one handed heavy lifting involved and can't really stand atm.
Its just everyone has told us to get some money back as though it was the normal thing to do.
I never even considered it tbh.

PhillyDee · 28 Aug 2011 at 18:39

[TW]Fox;19941560 said:
You assume there would be loss of earnings? What if there isn't? A majority of full time employees would suffer no loss of earnings if they were off for a few days with a broken wrist.

Ive worked more places that do not have a sick scheme than do. I do wonder what the average sick scheme employers are to ones without. Of course, I did say assuming loss of earnings.
My current employer has roughly 100M turnover in our division, and does not have a sick pay scheme.

Raymond Lin · 28 Aug 2011 at 18:48

[TW]Fox;19941475 said:
You are going to claim compo innit from your wife?

Will the compo money turn time back and fix your wrist?

Sigh, is there a point replying to that?

1 - it is no relevance that the defendant is his wife or stranger in the event of a claim. If you think saving a few hundred pounds on premiums is going to be worth all the physiotherapy costs, prescription costs, potential loss of earnings and then on top of that, the personal injury claim which I may add, is legitimate here, it's not some fake whiplash claim that can't be detected in a scan.

2 - turn back time? On that basis, why have the system in place at all? Why not even scrap the criminal system too. That guy murdered someone's wife, let him go you know, she's dead no matter what you do to him.

We pay for insurance for a reason. This is a legit reason to use it. Not use it because of some high horse moral value is just erm, illogical.

Dabbles · 28 Aug 2011 at 18:51

Raymond Lin said:
We pay for insurance for a reason. This is a legit reason to use it. Not use it because of some high horse moral value is just erm, illogical.

Plus you can get free money.... Lulz!

[TW]Fox · 28 Aug 2011 at 18:52

Don't preach the law to me Raymond, because it's irrelevent to the point I was making, which was not a point of law but a point of 'Wow, your wife crashes and you run to the internet asking about compo'.

Minstadave · 28 Aug 2011 at 23:08

Oh man this is just soul destroying. Can you injure yourself and claim off you own insurance?

SilverTongue · 28 Aug 2011 at 23:15

[TW]Fox;19941742 said:
Don't preach the law to me Raymond, because it's irrelevent to the point I was making, which was not a point of law but a point of 'Wow, your wife crashes and you run to the internet asking about compo'.

Minstadave said:
Oh man this is just soul destroying. Can you injure yourself and claim off you own imsurance?

Not once does the OP mention any implied right, or entitlement to claim, he was asking for opinions on advice he was given by other people

maddog said:
I was in a car crash yesterday my mrs was driving it was her fault,
her and my kids haven't a mark on them thank god,I have ligament damage in my right foot and a broken wrist.

As we've never been in this situation before people keep telling me to claim on her insurance.

Would you??
would it be worse for us in regards to the cost of her car insurance?

any advice

cheers

Although tbh OP it would depend on whether or not the money would help at all financially, I'm sure your wife would understand if money was tight and you not being able to work would cause problems, though if you could afford not to claim then I personally wouldn't bother

SpeedFreak · 28 Aug 2011 at 23:47

God, some people are on their high horses aren't they. If the driver was a friend and not your wife you would expect to be compensated. How is this any different just because your wife was driving? You are a third party who has been injured through the fault of an other.

agnes · 28 Aug 2011 at 23:54

I would speak to her and if she is happy with it, claim.

At the end of the day, this is why people pay insurance. You are injured, people saying "mend up over a few days" obviously live sheltered lives...

ags

"andy" · 29 Aug 2011 at 00:01

[TW]Fox;19941475 said:
You are going to claim compo innit from your wife?

Will the compo money turn time back and fix your wrist?

I don't think you should ever talk about compensation again until you actually have some experience of being injured by no fault of your own. The same old ridiculous knee jerk comments in every thread about it is pretty boring and makes you come across as a bit simple even though most know that you aren't.

you seem to think that people can just shrug off an injury and be back to 100% health

daveydave said:
Ladies and gentlemen, this is the very reason car insurance is so bloody expensive.

Rubbish

It is expensive because so many careless idiots are allowed on the roads. people who cause substantial injury to others should just be banned for however long. give them a motivator to drive more carefully.

shifty_uk · 29 Aug 2011 at 00:03

SpeedFreak said:
God, some people are on their high horses aren't they. If the driver was a friend and not your wife you would expect to be compensated. How is this any different just because your wife was driving? You are a third party who has been injured through the fault of an other.

Everyone's on a high horse because of the recent trends(and threads) of rising insurance associated with false injury claims.

As for the 'free money lulz' post. If the family has a loss of income due to the accident then it's fully justifiable. I'm sure he knows the risk of increased premiums and so on.