Not Trying to Claim Compo - Am I An Idiot?

Glad you and your daughter are ok, and good on you for not immediately holding your hand out begging - shows more moral fibre than most people it would seem!
 
Claim so that you can afford the increased premium from an accident that obviously wasn't your fault.

[Cynic's view of course. If you're not injured etc.. then you shouldn't be claiming for compo]
 
30mph is a hard bash. I've been hit at 10mph by a small car and that didn't hurt. I was also hit at 10mph again by a large car and that hurt for a few days. I didn't claim though.
 
It's sad that insurance is so often used as additional finance these days, it's depressing as it's another example of our country not looking at the big picture when they just look at making their little world better.

OP more power to you for not simply taking the wedge, disassociate yourself with your idiot friends and have your family attacked by a Meerkat for the irony.....which will be lost on them.
 
I got hit from behind at a roundabout a few years ago. Had a sore neck for a couple of days. Didn't claim despite repeated pestering by my insurer and their attached accident management company. I'd have felt dirty doing so despite the fact it would have been easy to take the money.

I had another accident in October where someone came out of a side road without looking and smashed into the side of me. I had to have two weeks off work with a sprained shoulder which is still causing me discomfort so I have claimed. I feel no qualms this time as I have genuinely been injured.

OP, be happy you are doing the right thing. Doing something wrong because 'everyone else is doing it' is behind many of the problems we have in this country.
 
Kudos op for not claiming a false injury


You fool op when you realise you'll have a crappy hire car if yours is repaired or a crappy payout if your ca is written off as well as higher premiums for the next five years


Seriously though well done on nt being a ****
 
I had an accident with a bus where my car was written off. The insurance were really pushing me to let them know if I had any sore neck or anything for quite a few days but I never claimed anything.

Wish I had though as got a crap offer for my car and the other driver never accepted blame.
 
When I had a very light bump (5mph or less) the accident management company guy seemed to really want me to say I was injured. The conversation went something like this:

Guy: Were you or anyone else injured in the accident?
Me: No we were both fine, it was barely noticeable.
--silence for a second--
Guy: Were you or anyone else injured in the accident?
Me: No..
Guy: I see, hold on one sec
--Silence for 10 seconds--
Guy: Were you or anyone else injured in the accident?
Me: No
Guy: Ok

Probably should have just gone for it as its increased my premiums, but I didn't really feel like lying through my teeth.
 
i got so sick of them ringing me all the time.. they must get commission out of it because they really wanted me to claim whip lash even though i got a pretty good deal out of the crash anyway..
 
Even if the other party completely admits fault, for the next 5 years your premium is likely to be higher as a result

you've also been paying higher premiums based on people taking what is essentially free money when they claim, your premiums have been priced as a result based on the expectation that you will do the same if you claim, this is a fact you cant get away from

So if it were me i think i probably would take the compo, even if you dont turn out to have any long term injury its possibly too early to know, dont think that just because you've been a decent person and not got the most out of your claim they are going to be decent people in exchange and not bump your premiums for 5 more years.
 
Locky said:
By the way, before I get judged I have never claimed anything in my life.

I would give it a few days see how you feel, if you're* fine then don't bother.
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You told me the other day you were waiting for money from your claim coming through.
 
iaind said:
Are you currently, or are likely to be, financially at any loss as a result of the accident?
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What a stupid question, yes he will be because as you kept repeating in the other insurance thread, he will be statistically more likely to be in an accident again therefore his premium will go up despite it not being his fault.

In theory, people should take the compensation to adjust for potential losses as its money they wont get back but it really isnt the way to do it.
 
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Bear said:
What a stupid question, yes he will be because as you kept repeating in the other insurance thread, he will be statistically more likely to be in an accident again therefore his premium will go up despite it not being his fault.

In theory, people should take the compensation to adjust for potential losses as its money they wont get back but it really isnt the way to do it.
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Compensation is there to compensate for expenses due to your injuries, it is not compensation for increased premiums.

Funny now the OP knew exactly what was meant - I'm sure he knows his premium will increase slightly but rather than ranting to the Internet about how much better he could do it, he's sucking it up like everyone else does.

My car was broken into a while ago, and just enquiring apparently got raised as a claim. I never ended up claiming but my premiums have still gone up. That's not my fault, but I completely understand that it means I'm statistically more likely to claim again so I don't whine about it.

I'd love to see the OcUK "insurance isn't fair, it doesn't make sense" squad start their own insurance company - you could make a fortune :D
 
Cupra said:
You told me the other day you were waiting for money from your claim coming through.
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It's not car related & I'm not waiting for any money, claim hasn't even been put forward.

That's for the council not fitting steps correctly and collapsing underneath me, causing injury to my back etc, had allot of time off work because of it and 3 months of physio, only just getting back into doing tasks at work 5 months on.

I wasn't going to claim....

but you already knew this - Paul, but you can't resist a good troll ;)
 
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n3vrmind said:
Even if the other party completely admits fault, for the next 5 years your premium is likely to be higher as a result

you've also been paying higher premiums based on people taking what is essentially free money when they claim, your premiums have been priced as a result based on the expectation that you will do the same if you claim, this is a fact you cant get away from

So if it were me i think i probably would take the compo, even if you dont turn out to have any long term injury its possibly too early to know, dont think that just because you've been a decent person and not got the most out of your claim they are going to be decent people in exchange and not bump your premiums for 5 more years.
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It's a pain. My non-fault bash from 3 years ago still affects my premium.
 
Insurance companies are as much to blame for this 'claim culture' as are the people making fraudulent claims
I had two non fault accidents in 6 months and as they were non fault my insurance company farmed all the work out to a claims management company. With in 20 mins of reporting the accidents I had a solicitors working on behalf of the claim management company on the phone trying to convince me that I should make a claim even though I told them I was not injured, then they insisted on ringing me back several times to see if I had changed my mind.
When we arranged the hire car there was a section saying 'do you need a car of a similar spec' to which I replyed no just something to get me around and they turned up with a brank new Merc SLK the first time and a BMW the second time, I rang them and questioned this saying I was expecting a Corsa or something and they said that it was ewither this or nothing :confused: I dread to think how much this cost the other persons insurance company

Anyway rant over, I'm glad to hear your all ok and as for your original question if you think you may have to have long term problems or time off work then make a claim if not then don't just go with the masses, even though you doing the right thing is going to make no difference to the scale of the problem at least you can say that you are not part of the problem and feel all warm and fuzzy inside :D
 
Do whatever you want!

You certainly don't need to justify yourself to a load of guys on overclockers forum who you don't know.
 
I got a stack of documents in the post from the other party's insurance firm and the section regarding injuries is worded as if they are actually encouraging you to claim.

Part of it says: "If you suffered minor pain following the accident, e.g. typically only a few days in duration, then the insurer may not require a medical examination to value the injury".

Surely 99% of people will suffer minor pain for a few days even after a fairly low speed impact?
 
-Ad- said:
Do whatever you want!

You certainly don't need to justify yourself to a load of guys on overclockers forum who you don't know.
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I'm not trying to justify myself and was just curious as to how people viewed this after being genuinely shocked at the amount of people telling me to make out the injury was worse than it is and get as much compensation as possible.

If I had been significantly hurt I'd be taking them for all I could get. :D
 
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