NotoriousREV

I was a passenger in a car crash last night, got rear-ended by a dozy twonk.

If I didn't have morals I'd be claiming for whiplash injuries (well my neck and back aches a bit).

Can I get something from the doctors to help me shed my morals?

Badger Stuffer

Yes you can. My friend was in a rear ender and went to his doctor complaining of a stiff neck, ets and told the doctor that he had been in a accident.

His doctor signed him off for a week. He claimed against the other drivers insurance and got £2500 compensation.

If you have a stiff or sore neck then you have been effected mate and you need to consult a doctor and claim for discomfort, loss of earnings etc.

I hope this helps.

red_dog104

Yes, a certification that you have whiplash and the tempting prospect of at least £2k! I've claimed twice (both genuine unfortunately) and I got that amount both times.

Still have probs with neck now. Claim you idiot!!!!!

Black Cat

morals or no morals if your neck and back are aching as a result of the accident you should see a doctor don't leave it...
P

Devil's Refugee

Claim, crazy fool !
No one would think twice about claiming against you if the situation was reversed mate.

I know of someone who was a passenger in their friends car (friends for years too), who hit the car in front.
She claimed whiplash against her mate of all things.
Everyone at work knew she was on the ham, wearing a bl**dy neck brace and not doing half the work she should be.
Can't believe how mercenary she was, but it's all easy money.

scoob_babe

do it, my other half was hospitalised as a result of being a passenger in a car that got shunted

RobinSherwood

We deal with this kind of problem every day.

Whether you claim or not depends on the severity of the injury IMHO. But it is important to bear in mind that if the injury is bad enough it is not just the short term pain and stiffness that you need to worry about though. A severe whiplash or back injury can cause problems that may not materialise for a year or two.

Ultimately speaking from the perspective of someone who works where people come to get 'fixed' don't think of claiming compensation as a way of making money, but as a way of ensuring you have the finances to get yourself sorted.

Feel free to email me offline

Robin

The Zohan

You could get a saturday job at one of the high street electrical retailers - thatwill remove your morales and conceince.

However if you know your hi-fi etc it wioll automatically remove any previous knowledge or the ability to remember stuff in future
glad you are OK, get it checked out just in case!

banshi

oh here we go again the old if there's blame theres a claim or more accurately an option for easy money

Friend of a friends just gone throught the wiplash bit.
Weeks off work, hospital appointments, GP visits, £££ of tablets care of the good old NHS (all of which went in the bin).

Happily to told everyone about the pain & discomfort. Wonder if she also told the Docs & Solicitors about the sking holiday [img]images/smilies/mad.gif[/img]

Not to worry though, if we can all pull off a scam each year it'll pay for the increased insurance premium. And I suppose we could put up with the extra time waiting in A&E.

NR if your concerned it's more than bruising, get it checked out. If a genuine injury is diagnosed get on the gravy train, no need to wrestle with your concience then

NotoriousREV

Hi Robin,

Thanks for your offer, YHM

Thanks to everyone else for your views, I'll get checked out and then make a decision.

Still resisiting the temptation to use speed dial 1 though

JoeyDeacon

Forget about letting the other person pay for the damage I would just go through your insurance company. It was completely the other persons fault so why not just let your insurance company sort it out, after all thats what you pay them for and it isn't going to cost you any money.

Also claim for your whiplash through the other persons insurance, thats why you pay for legal cover on your premium. Your insurance company will give you the details of their solicitor and they will sort out everything for you. Just make sure you have got a full doctors report and you are sorted.

Why should this idiot get away with driving into the back of you?? Hopefully next time their insurance goes up becuase of this claim it might encourage them to be a little bit more careful.

I will warn you in advance that it will take ages to get the compensation through, in my girlfriends case it took over a year but she got £2000 for her whiplash. It was a lot of hassle and several times I told her just to give up but she got the money in the end for something that wasn't her fault at the end of the day.

So forget all this letting the other person pay for the damage rubbish and let your insurance company sort it out. Afterall even if the other person agrees to pay for the damage what are you going to do when they disagree with your quotes or keep having excuses for not sending the money?? Once this has gone on for a while you have no chance of claiming through the insurance.

image doctor

Yeah claim!!!

But dont moan as insurance premiums conitue to rise, because of claims of this manner.

Not having a go, but never moan about insurance again, thats all I am saying.

Jodster

If someone is injured in an accident, it is an offence not to tell the Police about it within 24 hours. Well it used to be. Sounds ridiculous but you may need to let them know if you intend on claiming for injuries.

I was knocked off my motorcycle a few years back by a guy driving the wrong way down a one way street. He stopped and I got his details but I didn't report it until the next day as I just wanted to get my battered body home. When I went to the Police he next day they gave me a right b0ll0cking for not reporting it immediately. WTF.

NotoriousREV

We reported the incident to the police immediately.

image_doctor, thats exactly why I don't want to claim. Everyone we talk to is is like "claim, I would, free money" but, at the moment, my injuries are very slight and wouldn't bother claiming.

However, I will see a doctor and make sure there are no more serious injuries. If there are any, I'll claim, if not, I won't.

Denzil_Dog

image doctor,
thats another reason i dont want to claim but as j-deacon says, what if this guy strings me along with the repairs and wont pay for an ins-approved garage to do the work because he knows "some guy" that will do it just as good for half the price, and thats just for repairs.
ok i have came to work today but i am still aching, nothing major, it's not like i cant walk or nothing, so i dont know itf it is worth the hastle or not

pslewis

Dont you DARE claim!! My premiums are already too high - the renewal was £360 or something like that!! Madness!!

Pete

NotoriousREV

Yeah, but in another year Pete, you'll need to be regularly re-tested to keep your licence

JoeyDeacon

Denzil_Dog,

Thats exactly what I had last week. Guy in a van goes into the back of my car whilst I am stationary and immediately admits it is his fault and offers to pay cash so it doesn't go through the insurance. It's only a few cracks in the bumper so I tell him I will get a quote straight away and get in contact with him.

Anyway I get a quote from the local Renault (as it is a Clio) and they say to replace a bumper it will be £472 thank you very much.

I phone up the guy who hit me and tell him this and he tries to make out I am ripping him off as he spoke to a mate of his and it should only be a few hundred. I offer to give him the number of the Renault dealer to find out for himself but clearly p!ssed off he tells me that it will have to go through the insurance instead.

People MASSIVELY underestimate how much it costs to repair what looks like the most insignificant damage so get ready for this guy to tell you that he thinks you are trying to rip you off and that his mate down the pub can do it for much less.

Just go through the insurance it's not going to affect you in any way whatsover. You really don't need the hassle of constantly having to chase this guy to get the money out of him. It is obviously going to be a fair chunk of money so it makes me wonder why he is so keen not to go through his insurance. Surely paying the XS and having his insurance go up a little bit next time will be cheaper than paying for the whole thing himself???

You certain he is actually insured??

Denzil_Dog

i assume he is but who knows,
i wish i didnt have this crap right now.
and if i would have left work at the right time this wouldnt have happened anyways :P

RobinSherwood

YHM back

Robin

Leslie

Denzil Dog and Notoriously Rev,

I congratulate you both for having a conscience. it is becoming rare for people not to jump on the gravy train out of sheer greed. The guy has already said he will make good the damage and it is good to see that you are not leaping in to attempt to profit out of the incident.

Les

Hoppy

Rev/Dog, good for you!

Sorry about the accident. Make sure you get properly checked out and do everything by the book (insurance etc).

If you do have some kind of injury, claim. If not, don't. It's fraud and, from what you've said, you'd feel pretty sh!tty about it later.

Good luck,

Richard.

Tiggs

if this was a post from a scoob driver saying they had a bump and when they offered to pay the guy said no and stuck it on his insurance to make a fraudulent claim would everyone be pro claim?

Ian_S

whatever you do dont put a neck brace on, most hospitals dont issue now, and exercise your neck, dont let it get too stiff keep it moving, will help in the long term.

Chrisgr31

I'd agree with those who are saying don't claim for whiplash unless you feel there is a genuinue case. Just jumping on the bandwagon to get £2,000 only means that all our premiums will go up.

As regards the damage to the car I'd give him the chance to pay, and I think you have done thr right thing by notifying your insurance company.

Chris

NotoriousREV

We both decided not to claim, no more aches and pains from either of us, simply not worth it. I don't know what Denzil_Dog is doing about the damage, I think he just wants the easiest, most hassle free result from this.

*Sonic*

I got rear ended on a motorway I was stationary and the guy who hit me was still doing 70mph

shunted me quite a bit, and ruined both cars

everyone at work said to me claim claim claim, and i got so fed up with it, that I wasnt going to, due to everyones attitude

however i had to take some time off work, as I lost all feeling in my hand, due to the seat belt digging into my nerves (or something to that effect)

and i struggled to turn my head whilst driving, so after consultation with a specialist, I made a claim

now 5 years on, I still suffer after very long bouts of driving, and my neck 'cracks/clicks' when I turn my head

Dont know if i would claim again, depends on the situation, and severity of the injuries

Denzil_Dog

i was the driver in this incident and after dropping REV off i went straight to A+E to get checked out as the lower-left part was aching and a bit numb, the Docter checked me over and deemed that it was just bruising due to the jolt of the impact.
he said it might hurt a bit more today and tomorrow though, it is a bit achy but it isnt exactly kiling me, my neck feels a bit stiff aswell.
in this case the claim would be justified but i have a moral ground that i stand on like REV, i also dont like the idea of messing around with no-claims etc i also think the stress would get me down

the guy has offered to pay for all damages to the car (without ins getting involved). i have told my insurance about the incident and so far i do not wish to claim through them.
if i did decide to claim for personal injury would i have to do it through my own insurance or through a third party solicitor/claims company etc.

i dont really know what to do
i know it was HIM that hit ME but somehow i feel like SCUM if i make a claim

Denzil

[Edited by Denzil_Dog - 2/5/2003 11:43:10 AM]