Car accident call

Woogie said:
Unfortunately its the way of the world as pathetic as it is now, people suing others at every chance they get and they do not see that the increase in premiums over the next god knows how many years will screw them but get instant gratification from the readily available cash they suddenly have.
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The original idea was a good one. That anyone who had genuinely been hurt but didn't have the money for a court case could find a lawyer to work for no-win-no-fee, and get recompensed for their losses.

Instead, it's grown up into this scummy business of ambulance chasing lawyers, and a surrounding industry of selling on people's details, all of who make money off threatening each other's insurance companies to get a payout that's cheaper than going to court.

Even insurance companies get in on the act, because whilst they are legally obliged to treat their own customers with a certain level of fairness, they are not obliged to treat the other driver in the same way. So you end up with people working for the other person's insurance phoning you up to try and trick you into giving up your right for compensation, and then threatening you when you tell them to contact your insurance, before selling your details on themselves.
 
Thank God for ambulance chasers or else I wouldn't have a job.
I deal with Clinical Negligence and Public Injury claims every day so I see how many are successful but more importantly how much the Solicitor gets compared to the claimant.
Neodudes example is the type I want to throw in the bin unless he comes forward and tells us how much time he & his wife lost from not going to work because the children were badly injured
It sounds like a PAD was sent and the other Insurance company didn't want to spend money fighting it.
 
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To be fair If I hadn't been phoned I wouldn't have bothered claiming. But if someone wants to be offering me money that they say I've got a right to claim, who am I to argue?
 
I don't know, maybe someone who isn't a scrounger? Someone with free will?

You're not exactly bullied into claiming.
 
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The selling on of peoples details is big business, but should be stopped.

A mate had his car hit outside the house, some guy fell asleep at the wheel and hit around 5 cars down the street, as soon as he finished his called with the insurance company, his phone was red hot, with call after call from various companies offering hire cars, compensation, etc, this was all within minutes of putting the phone down from his own insurance company, after the 5th or 6th call he asked questions, it turned out that the insurance company allow 3rd parties to access the live data on their system (Tesco Insurance in this case) so as soon as claims are being made and logged in the system that an accident has happened, the customers are then being contacted/hounded, things like this should be stopped in my opinion, shocking that its allowed to go on.
 
neodude said:
To be fair If I hadn't been phoned I wouldn't have bothered claiming. But if someone wants to be offering me money that they say I've got a right to claim, who am I to argue?
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A year later?? Moneygrabbing. IMHO what you had wasn't a 'right', it was a loophole. Doctor should probably be questioning his morals too if he was prepared to agree you had a bruise a year later.
 
Ok,

So at the the time of the crash, all 3 of my kids were screaming. It took them about an hour to stop and even to this day they still talk about the crash and ask if it will happen again. I had a bruise about 3 inches long where the seatbelt cut into me. My wife had a nick in her neck, also from the seatbelt.

We had a fair bit of hassle getting a courtesy car, we had the hassle of getting ourselves, the 3 kids and all the stuff in the car home after the crash. Despite the car being repaired, the history of it will show that it has been crashed which will affect the re-sale value. I had to take leave from work until the courtesy car was delivered.

But you reckon that claiming money from the person who crashed into me's insurance company makes me a scrounger? I have a very well paid job thank you very much and don't feel the need to "scrounge".

Did we all end up in A&E? WTF has that to do with anything?

Oh, and the only person who's insurance premium is going to go up is the stupid bint who crashed into me.
 
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Have to say I think you were right to claim neodude. I'm assuming it wasn't your fault from your posts - someone physically injured you and your family and you should just say "no hard feelings?" when they were at fault?

Boycey0211 said:
A year later?? Moneygrabbing.
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Also I don't see what the year later has to do with anything - just because your immediate reaction to the crash wasn't "cha-ching" doesn't mean you weren't affected.

Bottom line is if you don't want to get claimed from and see your premiums go up, drive carefully. People seem to forget driving a 2 ton death machine is a big deal.
 
I was under the impression that you then have to state that you have made a claim on any further insurance you get, so stand for your premium to be increased. I was also under the impression that since you have made a claim for this, you can't make another for quite some time etc? (Or is that just whiplash, as that's a one time thing?)

Basically, you might actually end up losing over time financially.

If you make an inappropriate claim, you are either very desperate or total scum.

I even overheard some Sainsbury's employees talking, and this one disgusting women was trying to convince the other worker to make a claim, and he was saying he hadn't been hurt. Her attitude is what is going wrong now, and it's all about yourself nowadays. The allowing of solicitor firms to advertise (just like gambling sites) is ruining us.
 
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Scougar said:
I was under the impression that you then have to state that you have made a claim on any further insurance you get, so stand for your premium to be increased.
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Only if I claimed on my own insurance. I claimed on the woman who crashed into me's insurance so it will be her that will lose her no-claim bonus.
 
neodude said:
Ok,

So at the the time of the crash, all 3 of my kids were screaming. It took them about an hour to stop and even to this day they still talk about the crash and ask if it will happen again. I had a bruise about 3 inches long where the seatbelt cut into me. My wife had a nick in her neck, also from the seatbelt.

We had a fair bit of hassle getting a courtesy car, we had the hassle of getting ourselves, the 3 kids and all the stuff in the car home after the crash. Despite the car being repaired, the history of it will show that it has been crashed which will affect the re-sale value. I had to take leave from work until the courtesy car was delivered.

But you reckon that claiming money from the person who crashed into me's insurance company makes me a scrounger? I have a very well paid job thank you very much and don't feel the need to "scrounge".

Did we all end up in A&E? WTF has that to do with anything?

Oh, and the only person who's insurance premium is going to go up is the stupid bint who crashed into me.
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Insurance companies take yearly costs as an overall and then calculate business losses, which are then spread over insurance hikes across the board, as well as locally increasing premiums for the specific people involved of course.

Your action will have (in a small way) negatively affected every bodies premium who is with her company, which in turn will probably have a small but tangible knock on effect to industry wide prices.

The purpose of compensation is, plain and simple, to compensate an individual for loss of earnings or undue emotional distress.

Your emotional distress was in-line with anybodies who has just had a car crash, nothing out of the ordinary. Your injuries were (to your own admission) minimal at best and not something that made you even think of claiming when the accident itself happened. I can't believe you directly lost earnings because you had a bruise and your wife had a "small nick".

You should not have claimed, the system should not have allowed your claim to go through and the system certainly should have caught your claim and nipped it in the bud.

To be frank, you got lucky that you won your case and your claiming solicitor got lucky that they weren't landed with your costs. The defence used by the ladies insurance company must have been very poor.

I'm sure you won't agree with me, but in my personal opinion your claim was morally wrong, which should be the main guiding factor for anybody making any sort of civil claim and the fact it isn't genuinely highlights a major problem with society.
 
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neodude said:
Ok,

So at the the time of the crash, all 3 of my kids were screaming. It took them about an hour to stop and even to this day they still talk about the crash and ask if it will happen again. I had a bruise about 3 inches long where the seatbelt cut into me. My wife had a nick in her neck, also from the seatbelt.

We had a fair bit of hassle getting a courtesy car, we had the hassle of getting ourselves, the 3 kids and all the stuff in the car home after the crash. Despite the car being repaired, the history of it will show that it has been crashed which will affect the re-sale value. I had to take leave from work until the courtesy car was delivered.

But you reckon that claiming money from the person who crashed into me's insurance company makes me a scrounger? I have a very well paid job thank you very much and don't feel the need to "scrounge".

Did we all end up in A&E? WTF has that to do with anything?

Oh, and the only person who's insurance premium is going to go up is the stupid bint who crashed into me.
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That's kids though, of course they're going to talk about it, a little like they ask if Santa Clause will come again -_-

Well no, it will affect everyone's premiums, the guy above me, the guy who started the thread, heck the guy next door to you.

Seriously, nobody takes things as bad luck these days...
 
neodude said:
Only if I claimed on my own insurance. I claimed on the woman who crashed into me's insurance so it will be her that will lose her no-claim bonus.
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It will affect yours, you will be deemed to be more likely and at risk of accident, they will load your premium accordingly, anyone invovled in an accident suffers this whether their fault or not, and you won't know it as it's part of your calculation and not added separately.
 
neodude said:
Did we all endnd A&E what has that to do with anything?
.
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Because I work in clinical negligence, 3rd party accidents and public liability.
Our ministries department deal with these claims all the time but there has to be proof of injury.
If an insurance company is paying out with no proof I'm gobsmacked.
There number 1 job is finding a&e cards.
 
Several insurance companies have been offering an early lower payment to personal injury claims to settle before looking at evidence of injuries, medical reports etc.
 
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