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Old 22 August 2014, 12:07 PM
  #61  
LuckyWelshchap
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Originally Posted by chris j t
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.
Even (some) doctors can get caught up in it.
The wife had a nasty rear-ending (titter ye not) and was whiplashed.
She never approached anyone - it all came to her. Her broker piled it in - she was given a courtesy, accident claims 'specialists' called her etc. etc.

However, when - 3 weeks or so later - she was examined by an 'independent' GP arranged by her Ins Company she had recovered a fair bit (looked like a trapped nerve).
The GP however was actually suggesting to her that 'I suppose you have pain here?', 'You probably can't raise your arm higher than here can you?', 'Presumably you're having trouble sleeping because of the pain?' and things like that.
She had been off work for a few days after but generally it had cleared up quite quickly (a few physio sessions and it was sorted. A & E had given her the all-clear from any serious problem).

Result - "here's £3,000 from the other party's insurance company".

Imo the industry as a whole is the problem.

Not cost-effective to fight relatively small claims, yet when the Ins company/broker's client is in the right they absolutely pile in.

I wonder how much money companies make from the accident claims specialists they pass work to?
And how much additional income do GPs get for their professional services to Ins-related companies?
And solicitors?

And while I totally agree that fraudulent claims are the main reason for increased premiums let's not forget that if it wasn't so rewarding to be the victim of a minor (and I mean very minor) accident and mistake by someone else then there wouldn't be such a high amount of it going on.
Old 22 August 2014, 03:38 PM
  #62  
Carnut
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Originally Posted by LuckyWelshchap
Even (some) doctors can get caught up in it.
The wife had a nasty rear-ending (titter ye not) and was whiplashed.
She never approached anyone - it all came to her. Her broker piled it in - she was given a courtesy, accident claims 'specialists' called her etc. etc.
Now what you have to understand is that when I laugh it hurts (not joking) so I should hate you for that but it was worth every bit of pain, very very funny.

However, when - 3 weeks or so later - she was examined by an 'independent' GP arranged by her Ins Company she had recovered a fair bit (looked like a trapped nerve).
The GP however was actually suggesting to her that 'I suppose you have pain here?', 'You probably can't raise your arm higher than here can you?', 'Presumably you're having trouble sleeping because of the pain?' and things like that.
She had been off work for a few days after but generally it had cleared up quite quickly (a few physio sessions and it was sorted. A & E had given her the all-clear from any serious problem).
Well doctors are just as bent as everyone else.
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