Glad to hear its all working out.

I remember reading this prang earlier this year.

But at least you didnt go around staking her otherwise you'd have been done for harrassment.

Keep us updated.

Be prepared for a long wait. When we got rear ended, it took just over a year for the claim to be settled. We made a personal injury claim, but we were both injured and still suffer from the aches and pains now. Not everyone who makes a claim is just out for the money

This lady does sound like she thinks she's on to a winner with this one and is probably looking forward to her nice claim. At work we call these injuries "Whipcash". It really annoys me, as we'll turn up to an accident and everyone says their fine, then 2 minutes later people develop these injuries and ask for an ambulance It not only wastes the time of the Police, but the ambulance service aswell. If the person then decides they want to go to hospital, the ambulance crew have to take them, putting more strain on the NHS. I normally get them to take a seat in their car again, then when the ambulance crew turn up, I'll make a comment in front of the person... "I guess we'll have to get the fire brigade out now to cut the roof off the vehicle" 9 times out of 10 they get up and are fine

As for brake dipping, thats where the front of the car nose dives under braking. Which would mean you could in theory hit a higher point of the vehicle than normal with your car.

It really annoys me, as we'll turn up to an accident and everyone says their fine, then 2 minutes later people develop these injuries and ask for an ambulance

I wouldn't be so flippant about it. These types of injuries do tend to develop later, and you feel fine at the time. It may well be faking in many cases, but because it happens to develop later doesn't make it any less damaging or painful.

I wouldn't be so flippant about it. These types of injuries do tend to develop later, and you feel fine at the time. It may well be faking in many cases, but because it happens to develop later doesn't make it any less damaging or painful.

Maybe but there are plenty of I'm fine, ohh hang one I could make some money off this ouch ouch the ultimate pain types on here.

There are plenty of scammers but equally, there is a big shot of adrenaline when you have an accident which can easily mask pain momentarily so that once the occupents calm down, they start to feel the pain. Whilst I would say that there are a fair number of scammers out there, there are many who have legitimately been injured.

I'w well aware of how whiplash feels having had 9 months of physio and a bucket load of very strong pain killers, however there are still too many scammers.

I'w well aware of how whiplash feels having had 9 months of physio and a bucket load of very strong pain killers, however there are still too many scammers.

Agreed. The legit accidents get small payouts. Scammers simply see £'s.

Agreed. The legit accidents get small payouts. Scammers simply see £'s.

IIRC I got about 2k to cover my uninsured loss, the physio, feeling like **** while on pain killers and time off work and I couldn't move or sleep for the first week or so as it would hurt my back that much.

When you see people asking for £15k for a non genuine pain it makes my blood boil. I'd say the £2k ish was about fair and covered the costs, plus IIRC it's what a court would have given for my injuries. £15k is just a case of i want money ambulance chasers :(

I have recieved an update from my insurance following them sending out an engineer out to inspect my cars damage. This is what they say after I felt that it went a bit quiet regarding the third parties claim for personal injury from such a minor bump this is what they have sent me as follows......

"Apologies for not responding yesterday. I was working on your file all afternoon and can assure you we are interested.

I now have the engineers report back for your vehicle and it does confirm that there is some damage but it is minor.



I have spoken to the third parties Insurance company and requested a copy of their engineers report.



I have also spoken in length with the other parties Solicitors and they have agreed for us to inspect their Client's vehicle. I have requested that the same engineer is instructed to see if he can piece the matter together to see if the damage reported is possible.



The Solicitors advised me that the second accident was much more severe and was a rear end shunt. They suggest that the majority of the injuries are associated with the second accident and it would appear to me that they want to accept a reasonably small amount of money to go away. This indicates a bit of concern and maybe a little desperation on their part and was dismissed by me. I have advised that we will review once the engineers reports are received.



I also spoke to the other Insurer in the second accident and they seem unconcerned at the moment. I will however, speak to them if I need to."



The other parties car still hasnt been repaired just wondered what your thoughts are on the other persons solicitors wanting just a "small amount of money to go away"



I will keep you posted on any new developments, its coming up to 3 months now since this happened and I am glad my insurance are not laying down and just handing over cheques.



Cheers

The other parties car still hasnt been repaired just wondered what your thoughts are on the other persons solicitors wanting just a "small amount of money to go away"

My vote is for they know have no grounds on which to claim any money and are now hoping for anything - in a sort of "you don't want the hassle of it going to court". My hope is with a bit of perseverance this will just blow over and they won't expect anything.

Agreed.

I read their reply as "oh feck, we're boned. Penny for our troubles?"

Insurance company will duely shaft them after inspection of their car, and then you can help them take them to the cleaners - not to mention YOUR claim for the distress caused by this issue. Seriously do claim for distress and giving you a bad reputation (cant think correct term/name right now).

...and giving you a bad reputation (cant think correct term/name right now).

Defamation/slander

Agreed.

I read their reply as "oh feck, we're boned. Penny for our troubles?"

I know what you mean it seems a farse. as long as people get money for proper injuries then i am all for it but when someone seems to take the mick by damaging their car more to make it looks worse to back up a personal injury claim then its not right.

Maybe they had their comupantce when they where involved in the second accident and suffered a proper injury :( Not that i want anyone getting hurt though.

True but if the third party at fault gets a whiff of this, then they might end up with nothing except issues in getting insurance or financial stuff for many years. Plus any criminal proceedings the Police decide to take.

Agreed.

I read their reply as "oh feck, we're boned. Penny for our troubles?"

Insurance company will duely shaft them after inspection of their car, and then you can help them take them to the cleaners - not to mention YOUR claim for the distress caused by this issue. Seriously do claim for distress and giving you a bad reputation (cant think correct term/name right now).

Take the f**kers to the cleaners. People like that put all our insurance up and I'd love to see them jailed for insurance fraud.

Will also make the second accident claim a lot harder for them as the other insurer will take into account that they may be playing up based on their past.

I would refuse to spend a small amount to make them go away and if the engineers report is favourable insist is goes to court. If you win make sure you lawyers claim for your distress

The small amount, means "f**k, we've been caught out and we are buggered. I wonder if we can get a bit of cash and still get out without ending up in the nick."

There is also an issue that if you were to make a small payment they other insurer may possibly use this to limit their liability for the injuries they may (or may not) now have and try and put some of that onto your insurance.

To be fair it almost sounds like this lot were out to have accidents as a way of making money....

Cheers guys, will keep you posted when the outcome of their vehicle has been confirmed.

They were most likley to be hoping for a nice payout before christmas.

If you gave me £15k I will go dancing as well.....

My insurance have carried out an inspection on the other parties car, this is the email i got from my insurance as an update...

"I have just called the engineers. They have the report in today and have advised that they will fast track it to me. The engineer does however, state that the damage does appear to be inconsistent with the accident with you. I will advise further when I actually have the report which should be early next week."

Any thoughts as to what they will do especially as they have put in for personal injury, will they still pay out for the car?

Just wondered what is likley to happen but i am pleased that the engineers report has found that their damage is inconsistant to the damage to mine. Thats because they have deliberatly kicked the panels in further to make it look a lot worse.

Will keep you updated as to what happens next with this on-going saga.

They may well not pay anything at all to the other party, no matter what the circumstances are (including repairs to their car), Especially now the engineers report seems to backup everything that has been said till now. If they decide fraud has been commited they will most likely find their policy cancelled and the their ability to get insurance in the future subject to additional premiums or impossible to get.

To be honest I hope they get hardly anything trying to make it look a lot worse than it was.

As for the personal injury claim they have lodged against my insurance I do hope this gets thrown out and no money paid out.

Another thing, If my insurance based on engineers reports etc prove that their damage has been exagerated will my premium still go up at the next renewal and will it still be lodged as a "fault claim" on my policy?

I understand my insurance have had to pay for damage reports etc so will they put my premuim up to re-coupe this?

Thanks for all the help guys - Will let you know what the final outcome on this is.

if it's fraud then hopefully you shouldn't lose your no claims, but I can't give a definitive answer so best thing to do is ask them.

Got a letter this morning from my insurance who state that the independant engineer who inspected both cars and their damage has officially confirmed that the damage to the 3rd parties car is inconsistant with my damage (being just a slight scratch)

They say they have forwarded these reports to the third parties solicitors as proof along with pictures and have asked them to withdraw their claim for personal injury.

They will keep me updated when they hear back from the other persons solicitors.

Will my insurance pay out for her car do you think? after all it seems to have been proved that they kicked it in further to make it look worse.

I will let you know what they decide hopefully they wont get a penny.

Cheers

Sounds like they wont get anything to me, if that happens i would make sure your insurers pass on her details to the police regarding her attempted fraud. good luck.

Sounds like they wont get anything to me, if that happens i would make sure your insurers pass on her details to the police regarding her attempted fraud. good luck.

Indeed. Feckers like her that drive up our bills, and lower payouts for those really affected.

Cheers guys, I only hope that this ends in a non payout decision because there are far more serious accidents that happen and as a result its those people that need all the help from their insurance, Just having a "car park scrape" and lodging for personal injury is just a joke.

God I would love a job in this side of insurance but there is nothing in my area, this has really opened my eyes to insurance stuff.

I will keep you posted thanks again.