LuckyWelshchap

Er.... not quite.
Certainly not EOEUMC !

I did try not to seem to generalise (and not to libel the guy who hit the op ) but since it's come ove like that let me put it like this:

The offender did all he could not to provide any details of himself whatsoever.
Yes, he could simply have not wanted a claim against him and increased insurance premiums. If he was employed by the company they would take the hit on their ins, so perhaps he was worried about the sack, which I'd have thought unlikely given it was the sort of 'minor bump' that happens every day.

Now perm any of these equally valid reasons:

• He was moonlighting, hobbling etc and isn't declaring income to HMRC, DWP, Council etc., in short tax evasion and/or benefit fraud;
• He isn't insured to drive the vehicle;
• He's working in this country illegally (NOT resident here illegally, there's a big difference).

And in case anyone does question these I speak from experience.
A few years ago the Inland Revenue (as they were then) had a crackdown on taxi firms in SE Wales. All the above offences were highly reported in the media.

I was once on the Licencing Committee of our local council, and you'd be surprised how many times someone would apply for a licence for whatever and the Police's checks would reveal the applicant had overstayed their visa, didn't have a work permit etc. There was even one applicant who wanted to licence a second vehicle (business was that good) despite being a 'customer' of both the DWP and that same council.

Finally, my point to the op was that if there's a chance that the guy and/or private hire firm are outside of the law then with the right approach it should be easier rather than harder to get this sorted quickly.

Oh - and I can say that not all businesses and people in this line of work are in any of the categories I've mentioned. I count 3 of them among my clients.

matt_rufus

filled the police form out it not a full time station so ill return that tomorrow

called my insurance company waiting for a call back as I type to go though the claim completely

doctors appointment booked but next Friday

car inspection at slow boy racing with Neil next week and waiting for my local dealer in croydon to get back to me (ill have to chase them tomorrow)

then just sit and wait and hope for the best

Moley

iTrader: (9)

What symptoms are you suffering from?

matt_rufus

at the moment general stiff ness back and neck

plus a bit tender on my biceps strangely
chest and side from my seat belt I think

im only going because people have said just to get checked will most likely be back to normal by next week but we will see how it goes

Maz

iTrader: (34)

Pull the other one, it's got bells on it.
I'm post back surgery and was shunted in the back whilst in the wife's Corsa. It was a fair wallop causing much more damage than the scratch you incurred. I didn't have any pain/stiffness/tenderness. The bloke who hit me was uninsured so I had to go through the MIB to get the £400 to repair the car. I was asked if I wanted to pursue an personal injury claim and I declined as I wasn't hurt.
Unfortunately whiplash is an easy earner so like the thousands of other dodgy claimants you'll get away with it.

matt_rufus

who said anything about going for a personnel injury claim im not !!

it is what people have said even a couple on here

Maz

iTrader: (34)

If a ten mile an hour shunt that barely broke the paint on the bumper leaves you with the array of ailments you listed, then either you're very fragile or you're challenging Pinnochio.

scoobyboy1

iTrader: (16)

You did the right thing in taking plenty of pictures!!

When someone hit my car I phoned my insurance company and gave them the registration number etc and they sorted everything out from there!!

I wouldn't worry to much mate, this is why you pay your insurance so they sort out any accidents, my insurance company passed me onto to a accident claims company who then sorted me a courtesy car and to have the repairs sorted out on my car, and they just billed the other guys insurance company!!!

matt_rufus

take your thoughts and keep them to yourself

Maz

iTrader: (34)

And people moan that their policies are going up.

scoobyboy1

iTrader: (16)

Ive seen little accidents where they have been rear ended and been in the car by themselves, and the impact has been that server when they have put a personal injury claim in against the other driver, 3 generations of the same family all had back and neck injurys!!!

Maz

iTrader: (34)

Lying, cheating and conniving scumbags. I have no time for insurance fraudsters. Unfortunately the majority of the public see a shunt as an easy earner. About time the law clamped down on personal injury claims.

scoobyboy1

iTrader: (16)

Trouble is, you say that you have neck pains and the doctor will automatically say you have whiplash, easy £1-2k and no one can prove otherwise.

I was talking to my mate who is a policeman and he says that they go to little road traffic accidents where they have been rear ended and you will have someone sitting in there car saying they cant move and they have server neck and back pains, as soon as they say there phoning the fire brigade to come and cut the roof off your car to get you out they soon have enough strength to get out of the car!!!

donny andi

iTrader: (3)

2 true stories here.....I got t boned by a muppet who failed to stop at a junction , he hit me that hard he pushed me straight over the road , up the path and through a garden wall (4ft high double skinned brick) ..... I got paid out for the car

My scrounging baby making dole walling sister stepped off a path and litually put one foot on a zebra crossing when a scooter clipped her wrist with his mirror.....a trip to a&e and she was 3k better off

Good old claim culture
Whiplash at 10mph.....cool story

Maz

iTrader: (34)

If your sister got 3k you can bet the solicitor handling the claim got more. There you go that's over 6k that all insurance policy holders will pay towards.
Truth be told I'm surprised motor insurance isn't more expensive given the claims being made.

LuckyWelshchap

I wouldn't wait a week. I'd go to your local A & E.
If your head/neck was not straight when you were hit something could have twisted, a nerve become pinched etc.

A & E would be able to diagnose any after-effects and it would be verifiable.
If nothing's found then you'd have peace of mind. If it is then you'd get sorted much sooner.

Health doesn't just come before wealth alphabetically.

f1_fan

iTrader: (9)

Much of the country is getting like this though Maz, a huge number of people are basically dishonest!

vindaloo

It's stress tension... If he'd "twatted" the offensive taxi driver he'd have relieved the tensions... Or had more to worry about than a bit of tension.

Maz

iTrader: (34)

Seat belt tension only comes in to play when you're thrown forward. An impact from behind causes you to go back in the seat. If you are going to fire in a fraudulent personal injury claim get your story straight.

LuckyWelshchap

It was on the rebound, after the pushback.
For every action there's an equal and opposite reaction (bit like posts on this thread I suppose )

Maz

iTrader: (34)

At a speed of 10 mph how much of a rebound do you think occurred?

LuckyWelshchap

The rebound force itself would be small (in fact smaller than the pushback. Newton's Third Law applies, but the seat etc. will absorb some of the kinetic energy, in effect rebounding with less force than impacting).

However, the shock and resultant fright of unexpectedly being hit from behind could in theory startle a car's occupants to such an extent that they throw themselves forward with such force as to subject themselves to stresses and strains that cause musceloskeletal damage.

Anyway, bu&&er the theory, to answer your question I'd say 'minimal'.
Cars have moved on considerably from 'impact bumpers' and I'd say that the force of a 10mph impact is almost totally dissipated before it reaches the driver.

However, you might find that an insurance company won't accept that and will roll over and pay out.
My daughter's did, in very similar circumstances when she touched a car waiting to pull out of a junction.
I photographed both cars, told her ins co. that in view of how little damage the impact couldn't have been injurious but unbelievably they paid out !

I don't countenance insurance fraud but then from personal experience such companies don't help themselves, so it's a bit rich them saying that fraudulent claims increase premiums when they can't be a$$ed to fight £2k ones.

Maz

iTrader: (34)

I'm sure Moley will back me up on this, the reason insurance companies pay out is to avoid lengthy and protracted legal proceedings.
If they refuse and the case is taken to court you can bet they'll be paying double the original amount, most of which is legal (parasite) fees.
Early settlement is in the insurance company's best . When you factor in the £100+ daily these no win no fee parasites charge for a mundane car. Plus the hourly charge and charge for letters they send. Then it's easy to see why insurance companies pay out.
Whiplash? As Jim Royle would say 'whiplash my ****!'

LuckyWelshchap

Spot on.

Legal profession has got us all, all ways, HL&S

I had a client (I'm not in the legal profession btw) taken by a parasitic claims co.
They wanted £7K for their client - and TWENTY-ONE THOUSAND in legal fees.
Company fought it, lost in court and ended up paying £2.5K to him and £9K to them, and I think about £3K to its own barrister.

Moley

iTrader: (9)

Spot on

cuprajake

iTrader: (11)

Don't be fooled into thinking the insurance companies are the innocent party.

All claims companies work off api rates for hire, iirc some thing like prestige is about 80-100 a day max,

Yet when our very own scoobyboy got hit. His insurance company were charging 220 per day for a bmw, that's the reason your policy goes up!!!

Moley

iTrader: (9)

Completely agree, hire car charges take the ****.

The other insurers never pay what they are charged for though, and tend to settle off about half the original invoice.

Still a rip off.

scoobyboy1

iTrader: (16)

Insurance company begged me to give that BMW M-sport courtesy car back(I really didnt want to give it back) as like Jake said £220 a day hire, had the car for a week while my subaru was being repaired and the other guys insurance company paid me £1000 to give the courtesy car back and be without a car for 3 weeks.

APIDavid

iTrader: (4)

I know a guy who rents out high end sports cars to wealthy individuals when they damage their Lambo, Ferrari, Porsche etc. The going rate seems to have been [ when he discussed this with me ] about £2000 a week to the Insurance Co.

Anyway he got a call for a certain Ferrari to be lent out ' for a few weeks' he hadn't got that model, but managed to buy one in the trade for £80,000. The damaged car had to go back to Italy to be repaired and was gone a YEAR. So he got £104,000 in Rental.

The Loaner came back with just 1200 miles more on it.!!

He now had a free Ferrari and £24,000 in the bank ! Nice work if you can get it.

Seems that many of the wealthy folks who drive these cars do very little mileage but make a hell of a fuss when they need a loaner and can be rather tiresome about getting the same car. Which is just parked an a garage mostly.

Carnut

Scumbags is a good word, people think because they operate with in the perimeter of the law and get given some money at the end of it that they are not criminals.

Someone that I used to work with said that he had whiplash after a accident to get some time off work, eventually he was called in to see the company doctor who saw through his bullsh1t in no time.

Doctors can tell if someone is lying or not but for the most part air on the side of caution so they them selves don't get sued.