The third party has decided to put through a completely unjustified whiplash claim against me now. Unfortunately i've had it on good authority from a solicitor neighbour that my insurer will more than likely pay out but i'm gonna argue it.

 

I'm fuming now from such bloody dishonesty and lies. But hey i'll get over it.

 

This is (unfortunately) completely standard practice.

 

You see, what happens is the insurer for the third party will pass/sell on the details to a "claims specialist" who will then contact the people involved and try to encourage them to put in a claim for anything they can.  Credit hire car if thier car is only slight unroadworthy, personal injury, the lot.

Because a bigger claim means more charges.

 

I deal personally with my claims at work to try and keep them under control so I have a fair idea how the system works.

 

In my experience what people say at the scene of the accident is completely irrelevent.

Because once they've spoken to a few mates who say they'll get £2000+ for a mild case of whiplash the focus is on MONEY, not doing the right thing.

 

This is exactly why I had all the vehicles fitted with drive cameras a year ago and why our claims have dropped considerably since.

 

 

By the way, you can't argue it.  Well you can if it makes you feel better, but is a bit pointless.

If it was your fault and the doctor says they do have whiplash you will lose.

Unless you have proof you hit them in such a way as whiplash was unlikely (camera footage showing 2mph?)

By the way, you can't argue it.  Well you can if it makes you feel better, but is a bit pointless.

If it was your fault and the doctor says they do have whiplash you will lose.

Unless you have proof you hit them in such a way as whiplash was unlikely (camera footage showing 2mph?)

 

My brother has one of those black boxes fitted and bumped into another woman at a junction (pulling away speed). Can't remember exactly but there is a certain G that has to be achieved before the insurer will just pay out for whiplash. Anyway my brother was well below this, but the other party still managed to claim over £3k    :wonder:

This was the sum of the damage to my car...Hardly worth mentioning so how you can honestly try and get whiplash out of that?

Because it's seen as free money, not because it's justified.

And if the claim is low enough it'll cost more for your insurers to argue, get taken to court and potentially lose.

So they may well not take the risk and just pay out.

 

If a doctor says they have whiplash, that will stand up in court unless evidence says otherwise, which still doesn't always work.

 

It completely depends how the whole thing pans out and how much of a risk your insurance company wants to take, because the further they go the greater the potential cost if they lose.

 

If a doctor says they have whiplash, that will stand up in court unless evidence says otherwise, which still doesn't always work.

 

 

And as we all know doctors are honest hard working people. 

 

At the chance he went to my GP the diagnosis given out wouldn't be worth the paper its written on. But yeah i agree there will be a point of diminishing returns for the insurer. 

This was the sum of the damage to my car...Hardly worth mentioning so how you can honestly try and get whiplash out of that?2013-11-20 08.54.00.jpg

 

A whiplash claim for that? I've seen more damage from a bag of shopping.

This is (unfortunately) completely standard practice.

You see, what happens is the insurer for the third party will pass/sell on the details to a "claims specialist" who will then contact the people involved and try to encourage them to put in a claim for anything they can. Credit hire car if thier car is only slight unroadworthy, personal injury, the lot.

Because a bigger claim means more charges.

I deal personally with my claims at work to try and keep them under control so I have a fair idea how the system works.

In my experience what people say at the scene of the accident is completely irrelevent.

Because once they've spoken to a few mates who say they'll get £2000+ for a mild case of whiplash the focus is on MONEY, not doing the right thing.

This is exactly why I had all the vehicles fitted with drive cameras a year ago and why our claims have dropped considerably since.

By the way, you can't argue it. Well you can if it makes you feel better, but is a bit pointless.

If it was your fault and the doctor says they do have whiplash you will lose.

Unless you have proof you hit them in such a way as whiplash was unlikely (camera footage showing 2mph?)

Which is exactly my issue with the VAG Ensurance scheme......

Mrs R had a very low speed 'tap' in a garage forecourt 13 months ago.

 

The woman she hit told her it was only a cracked number plate, and don't worry, my husband will sort it out.

 

Current status without going into all the long winded details.

 

Bar room lawyers advise Mrs Mazda 3 that she must have whipcashlash, and the car requires a new bumper, new grille, new headlight, new wing,oh, and a new numberplate.

 

I dispute all this,and clearly state that this is a fraudulent claim imo, but the insurance are still battling it out with themselves (same insurance for both parties)

No clam from us as damage is literally just a very light scratch on the back bumper.

 

Whipcash WILL be paid I've now been told, as her <cough> doctor has written a report stating she has as such.

 

Claim for the car 'damage' is still under investigation, as the engineer is in agreement that the damage sustained is extremely minimal.

 

I've asked them to take her to court for fraud, but they've said they can't...or won't, as it'll be too expensive, so cheaper to pay for next years holiday for her, bloody   'n   'ing    'ch 

Edited 8 December, 201312 yr by Mr Ree

Wow. That's just shocking. Get a camera fitted in every car, it seems particularly important if it's just a gentle tap.

Mrs R had a very low speed 'tap' in a garage forecourt 13 months ago.

 

The woman she hit told her it was only a cracked number plate, and don't worry, my husband will sort it out.

 

Current status without going into all the long winded details.

 

Bar room lawyers advise Mrs Mazda 3 that she must have whipcashlash, and the car requires a new bumper, new grille, new headlight, new wing,oh, and a new numberplate.

 

I dispute all this,and clearly state that this is a fraudulent claim imo, but the insurance are still battling it out with themselves (same insurance for both parties)

No clam from us as damage is literally just a very light scratch on the back bumper.

 

Whipcash WILL be paid I've now been told, as her <cough> doctor has written a report stating she has as such.

 

Claim for the car 'damage' is still under investigation, as the engineer is in agreement that the damage sustained is extremely minimal.

 

I've asked them to take her to court for fraud, but they've said they can't...or won't, as it'll be too expensive, so cheaper to pay for next years holiday for her, bloody   'n   'ing    'ch 

I know exactly how you feel and yes it does seem that its a loosing battle. 

 

As the other party that i clipped is claiming for whiplash and i've been told by an acturist and a solicitor that it will be cheaper for the insurance company to pay it rather than fight it. I've done some digging into this and I will threaten my insurance company but only if it should come to it by writing to a certain politician that's trying to clamp down on it (google it) and i believe the BBC did a program on it recently too. And i'll have a letter ready and waiting to send to the broker and underwriter, financial conduct authority and the insurance fraud bureau, with one more letter for the Ombudsman and national paper if i feel like i should take it further.

 

HOWEVER in the mean time i have to have (slim) faith that my insurer will contest it due to the negligible damage done to either car and the fact that nothing structural in either car met meaning it would be nigh on impossible for any force to be transferred to his vehicle at walking pace.

 

Yes i was at fault for the accident and i can accept repairs to the other guys car (which were but a scratch, not kidding and a broken fog light lens). But whiplash was impossible so therefore i think i'm well within my rights to fight it and if any of the involved insurers/party's find this post well then.......

Its cheaper for them not to fight it, but ultimately it is you that pays. Its utterly disgusting.