Mrs R had a very light accident 2 years ago.

Backed into a car at the petrol pumps.

Probably less than 2mph

 

Minimal damage.

Cracked number plate on the car she tapped, and a slight outward dent and scratch on her car where the crash beam pushed against the bumper on impact.

 

The woman at the time decided it was so trivial that she wasn't actually that bothered.

 

3 days later, and she's claiming for virtually a whole new front end on her mazda, and of course...............WHIPCASH! 

 

The battle has raged on for nearly 2 years now, and finally went to court last month...them v themselves. (same insurance for both) 

 

The final ruling was no claim proven for her car, but over £2000 for the whipcash claim due to the medical reports from her 'specialist' <cough>

 

The fury has since died down...a bit, only it's rising again now just talking about it. 

 

,It's just dawned on me now, that Mrs R's car has never been fixed, as minor as it is.

Didn't bother as we didn't want to jeopardise her NCB IF the case was rejected by the insurance.

 

Now it's done and dusted, would we now be within our rights to claim for at least a bumper repair or replacement do you think?

They do have a picture of the light damage btw.

Mrs R had a very light accident 2 years ago.

Backed into a car at the petrol pumps.

Probably less than 2mph

Minimal damage.

Cracked number plate on the car she tapped, and a slight outward dent and scratch on her car where the crash beam pushed against the bumper on impact.

The woman at the time decided it was so trivial that she wasn't actually that bothered.

3 days later, and she's claiming for virtually a whole new front end on her mazda, and of course...............WHIPCASH!

The battle has raged on for nearly 2 years now, and finally went to court last month...them v themselves. (same insurance for both)

The final ruling was no claim proven for her car, but over £2000 for the whipcash claim due to the medical reports from her 'specialist'

The fury has since died down...a bit, only it's rising again now just talking about it.

,It's just dawned on me now, that Mrs R's car has never been fixed, as minor as it is.

Didn't bother as we didn't want to jeopardise her NCB IF the case was rejected by the insurance.

Now it's done and dusted, would we now be within our rights to claim for at least a bumper repair or replacement do you think?

They do have a picture of the light damage btw.

Depends on what car? Let's see a photo if the damage Mr Ree, there are far too many scumbags making these false whip lash claims! It's not going to happen at such a slow speed! It boils my pi**! I'm sorry to hear that it's happened to you!

Whiplash when you reversed into them?

Should have been thown out immediately.

 

Another example of people making the right noises to your face and then going away and thinking of the money.

'Can she claim and does she now?'

 

Well you and she knows if she can use a phone, 

and if you want to pay the excess on a repair that you never bothered about for 2 years.

 

george

DO NOT get me started Foxy.

 

I spent a long time defending our (her) corner on this one, and even though they were constantly making slight noises of agreement with me that this was a fraudulent claim, (s'pose they had to be careful in case I was recording the various conversations) the end product is that the 'specialist' has done his medical report on this thieving scheming bitch, and therefore...... 'case proven'.and won in her favour.

 

Just hope the destination of the holiday she's won courtesy of our insurance premiums is a total disaster. 

Edited 1 August, 201411 yr by Mr Ree

'Can she claim and does she now?'

 

Well you and she knows if she can use a phone, 

and if you want to pay the excess on a repair that you never bothered about for 2 years.

 

george

 

it wasn't a case of simply 'not being bothered', as you so quaintly put it , no, it was to protect our interests if the case for the woman she backed into was rejected.

We were and are bothered, and im my case, hot too!

 

No idea what her excess (if any) was at the time, so that could be the big decider I suppose.

 

Was merely wondering if anyone else had had a similar experience to this, and claimed a couple of years later, you know, just to save me all the hassle of digging paperwork out, and then a series of long winded possible time wasting calls.

Edited 1 August, 201411 yr by Mr Ree

I thought it was Miss Rees Insurance and NCD and her mother the named driver reversed into the car,  or was that not this incident?

Depends on what car? Let's see a photo if the damage Mr Ree, there are far too many scumbags making these false whip lash claims! It's not going to happen at such a slow speed! It boils my pi**! I'm sorry to hear that it's happened to you!

I doubt a photo would show the damage it's that minimal, besides, I've never actually managed to load a photo on here.

I thought it was Miss Rees Insurance and NCD and her mother the named driver reversed into the car,  or was that not this incident?

No.

Miss R had her Saxo backed into whilst she wasn't in it, and before we managed to get that woman, who came out of her house to claim responsibility, to agree with a 'cash' repair, she'd already rung her insurance and dropped us both in it

Edited 1 August, 201411 yr by Mr Ree

No.

Miss R had her Saxo backed into whilst she wasn't in it, and before we managed to get that woman, who came out of her house to claim responsibility, to agree with a 'cash' repair, she'd already rung her insurance and dropped us both in it

It's a sad state of affairs! We live in a claim orientated country :(

I thought you meant this one where i remembered posting where you said 'a small scratch'.

post #28

 

http://briskoda.net/forums/topic/259755-wimmins-insurance-goes-up

Edited 1 August, 201411 yr by goneoffSKi

I thought you meant this one where i remembered posting where you said 'a small scratch'.

post #28

 

http://briskoda.net/forums/topic/259755-wimmins-insurance-goes-up

Yup.

 

Miss R was the main driver at that time on the Agila, prior to her getting the Moggy as we'd just sold her Saxo.

Mrs R was an additional name on her policy.

 

Unfortunately, the missus was using the Agila on the day that she backed into this mazda, so both her and Miss R had this marked down on the insurance policy, and therefore both had their ncb deducted. 

Was Miss R the Registered Keeper & Insurance Policy holder and the person that needs to make any claim, not Mrs R ?

Was Miss R the Registered Keeper & Insurance Policy holder and the person that needs to make any claim, not Mrs R ?

It doesn't really matter now, as after finally finding the insurance docs from 2 years ago, the excess was £200 anyway!

Aghhh!

 

Meanwhile, this bloody wumman gets 2 grand plus for nowt in essence!

Should have got a second medical report disputing the whipcash and pushed for insurance fraud.

Should have got a second medical report disputing the whipcash and pushed for insurance fraud.

Out of my hands unfortunately.

 

I  assume it went to court as they didn't believe her either.

She won though, and it probably cost them thousands for the decision too.

 

Makes my bladder boil it does.

Out of my hands unfortunately.

I assume it went to court as they didn't believe her either.

She won though, and it probably cost them thousands for the decision too.

Makes my bladder boil it does.

When you say "they" I thought you said you were both insured with the same company?

More likely they didn't want to make a fuss, better to pay a little and get higher premiums in future than have the additional costs of a fraud case.

If the insurer won't even fight such an obvious case when they're on both sides then there is no hope whatsoever to stop this kind of fraud.

If the insurer won't even fight such an obvious case when they're on both sides then there is no hope whatsoever to stop this kind of fraud.

 

They did fight the case - hence them going to court, unfortunately judgement was made against Mrs Ree in this case.

 

I don't know how much more you think that they should have done.

 

As for a second medical report, it is inconceivable that the Insurers would have gone to court without having first obtained one, but at the end of the day some Judge will have decided on the balance of probablities from the information provided to him by both sides that the claimant suffered injury and was entitled to compensation.

 

Oh, and the case wouldn't have been themselves vs. themselves - Insurers aren't going to fund a claim for injury against themselves, they will only defend a claim made against their client

It will almost certainly have been brought on her behalf by one of the "No claim, no pay" ambulance chasers.

They did fight the case - hence them going to court, unfortunately judgement was made against Mrs Ree in this case.

 

I don't know how much more you think that they should have done.

 

As for a second medical report, it is inconceivable that the Insurers would have gone to court without having first obtained one, but at the end of the day some Judge will have decided on the balance of probablities from the information provided to him by both sides that the claimant suffered injury and was entitled to compensation.

 

Oh, and the case wouldn't have been themselves vs. themselves - Insurers aren't going to fund a claim for injury against themselves, they will only defend a claim made against their client

It will almost certainly have been brought on her behalf by one of the "No claim, no pay" ambulance chasers.

 

 

Yes. That makes sense.

 

Obviously they wouldn't take themselves to court on reflection.

 

The insurance company probably initially said, no, we're not paying you, but the quack that did the examination will have been believed, 'cus we all know they NEVER tell porkies or exaggerate for financial gain.

Edited 1 August, 201411 yr by Mr Ree

Changes for England, or England and Wales.

 

http://bbc.co.uk/news/uk-28627165

Changes for England, or England and Wales.

 

http://bbc.co.uk/news/uk-28627165

'Other new rules include allowing courts to throw out any compensation case where part of the claim has proved to be fundamentally dishonest'

 

Didn't quite work out in our case.

 

Makes me SO angry this, and as a consequence, even my daughter who wasn't actually in the car at the time, has financially suffered (meaning me in reality), just so this  *******  cow could squeeze a free fortnight in the sun out of us.

 

AGGGHHHHH!!

Can you take this to the insurance ombudsman? Do you have right to appeal?

Can you take this to the insurance ombudsman? Do you have right to appeal?

 

On what grounds?

 

"I think my Insurance company was forced to pay out a claim for soft tissue injury to someone who I think was pulling a fast one, because they were ordered to by a Judge"

 

Nope, I don't think that would wash.

Some people... 

 

My colleague were hit from behind at a round about a few weeks ago, they both pulled over exchanged details and the lady asked if he minded her paying cash for the damage and not go through the insurance which he said yes OK. Two days later after exchanging many phone calls with this lady with quotes he got a phone call from his insurance company stating another insurance company is putting in a claim for you rolling back into them and for whip lash!

 

Funny really the women never picked up his calls after this and it went down the insurance route.. My guess is she spoke with some "wise guy" who advised her to try her luck going through the insurance so she didn't have to pay and claim for whip lash at the same time!

 

My colleague kept saying to the insurance company his car has Hill assist and will not roll back but they didn't pay any attention to this and in the end up it went 50/50.