Accident

You may have been driving for 28 years Dr Who, but I'm afraid to say that non fault claims do increase premiums in this day and age. I know very well after someone reversed into my car 3 years ago (I've been driving since 1990 without a claim, nearly 20 years).
 
lynchy6789 said:
Insurance company have said that it wont effect the price of my policy or anyone's on the insurances premiums or no claims. When I do have to apply for them on my own insurance i will be about 21 then at the earliest.
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Me and lynchy must use the same kind of insurance company then
 
My wife was hit from behind while stationary at traffic lights. Her premium never went up and infact went down.

Edit: She also T-boned a car at a cross road. No increase in premium.
 
Had sine pretty bad neck pain over last few days but seems to be getting on the mend but now have a aching lower back:

my insurance have advices to go for compensation from my injuries and recieved the paper work today but it's says that I am " sueing " that ford that went into the back of me due to the impact of bus driver. Was wondering if I complain again him then his insurance get claim it all back off the bus driver??

Just to let you all know both car have been written off :/
 
[TW]Fox;15431530 said:
What financial hardship has the injuries sustained in this accident caused you?
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The cash in his pocket rebounded off the windscreen and fell into the road.

Do you really think it is neccesary to claim? What benefit will it do to your health besides getting plastered.
 
[TW]Fox;15431530 said:
What financial hardship has the injuries sustained in this accident caused you?
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can you not put a price on pain and discomfort?
In some situations i'm all for people being compensated due to injury.
 
Dogbreath said:
Why do you even think they ask about non-fault claims? I don't agree with it in cases like this, but they will usually load the premium based on some statistical guff. Hmm, ought to be able to claim for that really....
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You can. It's called "whiplash".


Yes, I realise the OP is genuinely injured in this case, but this crap that insurance companies pull is why I have very little issue with fraudulent whiplash claims in an otherwise genuine accident. Someone reported a 15% loading, over 5 years until the claim goes away that's most of the typical whiplash settlement gone already.


zain said:
Do you really think it is neccesary to claim? What benefit will it do to your health besides getting plastered.
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As one of the few people here who have actually been hit at NSL speeds while stationary (idiot in an Audi 80, 5-up, doing 50mph, no attempt to stop) I think it is worth claiming and traying to get treatment as soon as possible. I decided to go down the NHS route and by the time I actually managed to get refered to physio the damage was pretty much permanant and there was nothing they could do. I now have regular muscle pain, even 5 years later, usually brought on my long car journeys or lifting objects but sometimes just randomly.

If I could go back and do it again I would have started a private claim much sooner and asked HelpHire to send me straight to a physio or chiro, maybe they could have done something if they'd gotten to it sooner.*

*actually, no, I would have just driven straight into the side of the stupid bint in the Fiesta who turned right from the left hand lane, rather than braking and getting hit my the moron in the Audi.

Financial costs? Impossible to say, it's limited my ability to do my job with a resultant reduction in comissions. It's also caused a bit of friction with the management as jobs that were previously day jobs (eg. 3 hour drive, days work, 3 hour drive home) have now become overnighters which cost the company more money, not to mention being away from my family for longer. On some occasions I've turned up for an overnight stay in such pain that I'm unable to actually do the job in the morning and had to take a sick day, though this has always correlated with me having a Vauxhall hire car. I'm not sure if "unable to drive a Vauxhall" is a limitation or a blessing though. In any case increased sick days means reduced future employment prospects.

OP: I would advise you get yourself checked over as soon as possible, if the NHS don't take you seriously then ask your solicitor to instruct a private healthcare company to do it, you don't want to end up like me.
 
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Update: Everything seems to finally be getting organised now we have been offered £4400 for the 53 307 which isn't to unreasonable.

Injuries have improved all i am getting now is towards a long day i can get some back pains near the bottom but following some of the stretches that NHS recommended me helps a lot so just doing them in the morning.

Cars
£5000 Maxium preferably £4400
Hatchback like Corsa, 307, Corolla etc
3/5 dr
Petrol
Realiable
No sport versions like Fiesta ST
< 40,000 miles
> 2003
40 mile radius Nottingham

Looking at
2003 TOYOTA COROLLA 1.4 VVT-I T2

TOYOTA COROLLA 1.4 T3
 
2005 Fiesta Zetec S 1.6 Petrol
That's a bit over what you were after, however I do think the 1.25 will feel sluggish in that style fiesta (although no experience) 1.6 should make it nippy and should still do around 40mpg :)

Focus' do drive fwell though, but that depends on if you like throwing the car round corners quickly :)
 
See how your back goes before jumping too quickly into a new car. Good quality, supportive, comfy seats and nice suspension might suddenly be a bigger concern for you. Avoid Vauxhall, I mean moreso than anyone one this forum would anyway, for the reasons I stated in my last post.

The guy who suggested the Xantia actually makes a good point, also look at Volvos.
 
[TW]Fox;15548510 said:
Tom your back!!!

Why have you got a Puma? What happened to your 172?!
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Hey lol, yea not been very active the past few months. My love for all things Motors is dwindling, hence why I'm in a Puma probably, no really it's not that bad :p

Seriously though it was a mixture of starting Uni and deciding to stop spending ridiculous amounts on car insurance. I had a good offer for the Clio against the Puma so decided to go with it, basically the clio went without tax or mot, suspension problems and all the rest that eventually crops up with a long legged french hot hatch and the puma came with a full mot and tax and enough cash to insure it for a year.

EDIT : I am however now looking at straight swapping the Puma for a Mondeo :p (Trade value is about 1500)
 
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