Car accident claim phone calls

SexyGreyFox

SexyGreyFox

SexyGreyFox

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Stoke on Trent
Hold on just let me do a disclaimer first:
NO, WE ARE NOT CLAIMING

Anyway, we have now had at least 10 phone calls because of an accident we had in the summer.
It was quite traumatic and all 4 of us still get the jitters when we pass a lorry on the motorway or dual carriageway.
Re-cap:
M6 at 50mph > Czech left hand drive lorry in inside lane > Mrs Dimple in middle lane > lorry decides to move into middle lane > Mrs Dimple gets knocked into outside lane narrowly missing overtaking traffic > artic driver decides to make a run for it > Mrs Dimple tires to give chase while I'm on the phone to the Police etc etc > Police finally pull him over

Anyway, the caller tonight got agitated saying we aren't cheating the insurance company because there is a pot of money for this kind of claim and if we don't have it somebody else will.
Insurance company's put it there so they can pay out a small amount without fighting.
So is this true?
It does sound realistic with all the claims that go in nowadays.

NO, WE ARE NOT CLAIMING


BUT I FULLY EXPECT THAT WHEN I GET UP IN THE MORNING EVERYBODY IS CALLING ME A SCUMBAG.
 
Is this a question?

Edit: I found the question mark!

Its simple business to have money put aside to pay things like this. Likely if you were to claim you would get a pay out.

Should you want them to stop calling you, throw the word harassment out there and you'll never hear from them again.
 
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Insurances are there for a purpose. Although my morals are different and I would only claim if it had affected me in a way that a claim would help me, like loss of earnings/car etc..

Might as well claim like every Tom, Dick and Harry. Premiums are just getting stupidly high anyway...
 
There is a fund that underwriters and insurance companies contribute to for such things as uninsured or untraceable drivers etc, I think it has something to do with the Motor Insurance Bureau or something like that, but that doesn't mean you should claim unless there is a need to. (Not saying you are of course)
 
Meanwhile, at Irwin Mitchell...

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As mentioned in previous posts I would only consider a claim if I was left out of pocket in one way or another. Some people are too quick to claim these days and hence the rising cost of insurance amongst other factors.
 
But is there a pot of money for this?
Is it stupid not to let them give you money if its there for this very reason?

And Nitefly, I deal with them a lot.
 
Dimple said:
But is there a pot of money for this?
Click to expand...

Insurers will obviously ensure they have the capital available to meet any obligations they make have, so technically a 'pot of money' exists, but it isn't some sort of bizarre magic pot that you might as well take some money out of. The size of the 'pot' is obviously set based on the expected claims level.

Is it stupid not to let them give you money if its there for this very reason?
Click to expand...

No, it's not stupid. It's honest and proper to not let them give you money unless you have suffered some sort of financial disadvantage. If you missed work for several months and were out of pocket, get a claim in, its what it's for. If you had to pay for medical treatment, get a claim in, its what it's for.

If it was all a bit of a nuisance but nobody was really hurt then exactly what good will some money a year later be?

It's compensation for injury not to make everyone feel better or to make up for the hassle.
 
[TW]Fox;25660377 said:
Insurers will obviously ensure they have the capital available to meet any obligations they make have, so technically a 'pot of money' exists, but it isn't some sort of bizarre magic pot that you might as well take some money out of. The size of the 'pot' is obviously set based on the expected claims level.



No, it's not stupid. It's honest and proper to not let them give you money unless you have suffered some sort of financial disadvantage. If you missed work for several months and were out of pocket, get a claim in, its what it's for. If you had to pay for medical treatment, get a claim in, its what it's for.

If it was all a bit of a nuisance but nobody was really hurt then exactly what good will some money a year later be?

It's compensation for injury not to make everyone feel better or to make up for the hassle.
Click to expand...

I find myself nodding in agreement to every word.
 
Dimple said:
Hold on just let me do a disclaimer first:
NO, WE ARE NOT CLAIMING

Anyway, we have now had at least 10 phone calls because of an accident we had in the summer.
It was quite traumatic and all 4 of us still get the jitters when we pass a lorry on the motorway or dual carriageway.
Re-cap:
M6 at 50mph > Czech left hand drive lorry in inside lane > Mrs Dimple in middle lane > lorry decides to move into middle lane > Mrs Dimple gets knocked into outside lane narrowly missing overtaking traffic > artic driver decides to make a run for it > Mrs Dimple tires to give chase while I'm on the phone to the Police etc etc > Police finally pull him over

Anyway, the caller tonight got agitated saying we aren't cheating the insurance company because there is a pot of money for this kind of claim and if we don't have it somebody else will.
Insurance company's put it there so they can pay out a small amount without fighting.
So is this true?
It does sound realistic with all the claims that go in nowadays.

NO, WE ARE NOT CLAIMING


BUT I FULLY EXPECT THAT WHEN I GET UP IN THE MORNING EVERYBODY IS CALLING ME A SCUMBAG.
Click to expand...

Why are you not claiming?

I won't give any formal advice but I'd be keen to know what you've been told in respect of this incident. You say you've been told you can be paid a small amount without fighting. This appears to be an offer. This also appears to be an offer which would keep you from litigating. In my view you should seek formal advice in order that you are fully appraised of the value of any potential action you take in order not to be lowballed by a part 36 offer (if indeed that is the case).

In sum: consult a solicitor regarding the incident. It may well be the case that you are able to claim for this incident and it may well be that the insurance companies will take a view between them as to a value to be offered pre-trial if indeed such matters are in their contemplation.
 
Voltar said:
Why are you not claiming?

I won't give any formal advice but I'd be keen to know what you've been told in respect of this incident. You say you've been told you can be paid a small amount without fighting. This appears to be an offer. This also appears to be an offer which would keep you from litigating. In my view you should seek formal advice in order that you are fully appraised of the value of any potential action you take in order not to be lowballed by a part 36 offer (if indeed that is the case).

In sum: consult a solicitor regarding the incident. It may well be the case that you are able to claim for this incident and it may well be that the insurance companies will take a view between them as to a value to be offered pre-trial if indeed such matters are in their contemplation.
Click to expand...

You do realise it's a completely unrelated third party (a no win no fee chancer) that is suggesting he claims for physical injury that he may or may not have sustained (they have no way of knowing)?
 
I get the odd fishing call or text on my work phone telling me to claim for the accident I had. I haven't had any accidents for years and it is a blatant example of fishing.
 
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