car insurance claim

dgrego123

Quentin wrote: »

Whenever you have an incident, there is the potential for it to increase your premium (ie your profile has changed, and this is often seen as change to your risk).

But if there is any payment at all (no matter how small) to the third party you will also lose your NCD in line with their scale, and not get any awarded for the year in which the claim is made.

(If a small payment is involved, you can reimburse your insurer and thereby get all your NCD reinstated, though the incident will remain on your record and have to be declared (usually for 3/5 years) should you change insurers in future. (Though two whiplash minimum payments won't be viable for you to repay just to "save" your NCD.)

so if the insurer pay out i lost my NCD but if they dont i wont?
but my premium my go up still because im considred a higher risk.
am i understanding this right?

lisyloo

just it seems its almost impossible both passangers could of had whiplash.

From what you have said, I would tend to agree with you.

But how will you prove the bump was virtually non-existant?
Unless you have CCTV or independent witnesses then you cannot prove it.

If they claim they had sore necks then this cannot be proven or disproven. But you hit them and therefore they are the injured party.

Cost for fighting it could well be more than the costs of paying them off which will be fairly small numbers if it's just a sore neck for a few days.

I do sympathise and it is morally wrong, but thta's what people are like these days.

iamana1ias

dgrego123 wrote: »

i was involved in a minor motor collision with a taxi whereby i shunted the back of his car whilst stationary at a set of lights due to my foot slipping of the clutch

Why wasn't your handbrake on?

MrRedundant wrote: »

The only get out I see for you here is if they were not wearing seatbelts which may have increased the "injuries" in which case any payout may well be reduced due to their contributory neglience. This is one thing that may help you as many people ignore the seatbelt requirements in taxis.

Seatbelts actually make whiplash more likely as your head (being the only part of you not held back by the belt) is free to fly forwards, causing greater damage.

Quentin

dgrego123 wrote: »

so if the insurer pay out i lost my NCD but if they dont i wont?
but my premium my go up still because im considred a higher risk.
am i understanding this right?

Yes .

dgrego123

iamana1ias wrote: »

Why wasn't your handbrake on?

Because i was anticipating the lights to change.

mikey72

dgrego123 wrote: »

so if the insurer pay out i lost my NCD but if they dont i wont?
but my premium my go up still because im considred a higher risk.
am i understanding this right?

Your premium will go up.
You will lose your ncd, as the insurer will pay out, even if it's just for the taxi fare to the hospital to be assessed, and no whiplash is found. (tbh, it's more likely there will be a few hundred pounds damages paid at the least, could be a lot more though)

MrRedundant

iamana1ias wrote: »

Why wasn't your handbrake on?





Seatbelts actually make whiplash more likely as your head (being the only part of you not held back by the belt) is free to fly forwards, causing greater damage.

Yes but not wearing a seatbelt is neglient. I wouldnt imagine their bottom feeder no win no fee lawyer will be so keen on fighting the case if the taxi driver turns round and says the impact was non existent and they didnt bother to buckle up.

iamana1ias

dgrego123 wrote: »

iamana1ias wrote: »

Why wasn't your handbrake on?

Because i was anticipating the lights to change.

Epic fail. Next time keep the handbrake ON till the lights have changed and the car/taxi in front of you have started to move away

Sloppy driving is going to cost you dear.

dgrego123

iamana1ias wrote: »

dgrego123 wrote: »

Epic fail. Next time keep the handbrake ON till the lights have changed and the car/taxi in front of you have started to move away

Sloppy driving is going to cost you dear.

i know, most definatly an epic fail.
an epic fail that looks as if its going to cost be alot come my renewal.

Quentin

You don't expect any sympathy do you. (The rest of us have to pay up for your mistake!)