car insurance claim

dgrego123

Quentin wrote: »

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

yes it was my fault the collision happened.
but it dosent warrant two scroungers making claims when there probably is nothing wrong with them. they where going for a night out in the town centre and didnt even get out of the car at the scene. so although it was my fault, i dont beleive for one second that there was anything wrong with them. its not the driver whos made a claim, its the passangers. so those money grabbing liars are to blame. so no i dont want sympathy i wanted advice.

Quentin

Trouble is you aren't really in a position to turn on the innocent victims like this - they were minding their own business, when you came along, parked too close to them, then struck their taxi when you made an elementary driving error.

So some more advice - don't park so close next time (cos we've all done a stall/leapt forward like this in the past!)

mikey72

dgrego123 wrote: »

yes it was my fault the collision happened.
but it dosent warrant two scroungers making claims when there probably is nothing wrong with them. they where going for a night out in the town centre and didnt even get out of the car at the scene. so although it was my fault, i dont beleive for one second that there was anything wrong with them. its not the driver whos made a claim, its the passangers. so those money grabbing liars are to blame. so no i dont want sympathy i wanted advice.

Problem is the word probably there though.
And quentin's right, we've all been there, somethings you're lucky, sometimes you're not.

dgrego123

Quentin wrote: »

Trouble is you aren't really in a position to turn on the innocent victims like this - they were minding their own business, when you came along, parked too close to them, then struck their taxi when you made an elementary driving error.

So some more advice - don't park so close next time (cos we've all done a stall/leapt forward like this in the past!)

ye i know what you mean. i was too close and it was my error im not denying that. i know im the wrong. i would totally agree if the impact was more than a little bump. thats what makes it frustrating because im sure youd feel the same way in my situation.
i know im in the wrong. but hopefully you understand where im coming from. just a shame the way things are. people want to claim for everything and anything.

Quentin

But the frustration should be with yourself, not your victims! (Who, like you, maybe got advice on what to do after the event!)

Now you're almost saying you wished you hit them harder! Just be thankful you didn't. (And consider how much your car lurches forward when you do this - it would badly hurt anyone standing in front of the car!

dgrego123

Quentin wrote: »

But the frustration should be with yourself, not your victims! (Who, like you, maybe got advice on what to do after the event!)

Now you're almost saying you wished you hit them harder! Just be thankful you didn't. (And consider how much your car lurches forward when you do this - it would badly hurt anyone standing in front of the car!

beleive me i am frustrated with myself.
but im sure your not stupid. and im sure you can tell whats going on. And no im not saying i wish id hit the car harder your just well and truely twisting my words completley. everyone else has given there opinion which im thankful for. all you seem to want to do is cause an argument. i never came on here denying it wasent my fault i just wanted some advice im sure anyone can see its just two young lads who saw pound signs. im sure you can see that.

lisyloo

i dont beleive for one second that there was anything wrong with them.

im sure anyone can see its just two young lads who saw pound signs. im sure you can see that.

I do sympathise with your situation.
We have all made similar mistakes in our driving careers.

However I would again point out that you don't KNOW it's a try on.
If they never got out of the car how do you know one of them wasn't wearing a neck brace? You don't.
You do not know their medical history or whether there was someone in the taxi wearing only a (legal) lap belt.
You don't KNOW any of this.

You can choose to be miffed at things you don't know.
OR you can leave it to your insurer and get on with your life and try to improve your driving.

I make mistakes like everyone else, but I spend a lot of time and money on improving my riding and driving becasue I think it's really important. I put in voluntary time as a tutor for ROSPA as well as taking a lot of training myself. They are a voluntary organisation (like the IAM) who have many volunteers who will offer you driving advice for a very cheap price, almost certainly less than your premium rises you are likely to see (for example £25 including a book for as many lessons as you need to get to advanced standard).
So my advice is to try to forget about these people (whose medical history you DO NOT know) and try to do something positive about it like improving your driving.

Being unhappy about something you know nothing about and can't do anything about is not productive and pointless.

You are of course free to voice your concerns about fraud to your insurer.
This doesn't mean they won't take the cheapest route and pay them off.

dgrego123

lisyloo wrote: »

I do sympathise with your situation.
We have all made similar mistakes in our driving careers.

However I would again point out that you don't KNOW it's a try on.
If they never got out of the car how do you know one of them wasn't wearing a neck brace? You don't.
You do not know their medical history or whether there was someone in the taxi wearing only a (legal) lap belt.
You don't KNOW any of this.

You can choose to be miffed at things you don't know.
OR you can leave it to your insurer and get on with your life and try to improve your driving.

I make mistakes like everyone else, but I spend a lot of time and money on improving my riding and driving becasue I think it's really important. I put in voluntary time as a tutor for ROSPA as well as taking a lot of training myself. They are a voluntary organisation (like the IAM) who have many volunteers who will offer you driving advice for a very cheap price, almost certainly less than your premium rises you are likely to see (for example £25 including a book for as many lessons as you need to get to advanced standard).
So my advice is to try to forget about these people (whose medical history you DO NOT know) and try to do something positive about it like improving your driving.

Being unhappy about something you know nothing about and can't do anything about is not productive and pointless.

You are of course free to voice your concerns about fraud to your insurer.
This doesn't mean they won't take the cheapest route and pay them off.

thanks for your advice but i dont need any extra help with my driving. it was just a one off mistake. and i understand what you mean i dont know there medical history, but i cant help feeling these claims are not justified. but i know im going to be buyest towards myself cos it was my error and me who has to deal with consequences.

lisyloo

but i dont need any extra help with my driving. it was just a one off mistake

No it wasn't.
There's an error in your approach (about expecting things to proceed normally rather than preparing for the worst).
This could produce other errors in future and you need to change your approach to one which allows you time to react to unexpected events.

I always go into neutral on my motorbike at lights (bit different to a car). This means if the worst happens and someone hits me in the rear and I inevitably let the clutch go then the bike won't try carrying on into oncoming traffic. This won't stop me falilng off, but it will prevent me from being run over which is the (quite serious) difference between bruises and death. This is an in-built defensive and systematic approach.

You had no in-built defence and if you continue to drive as you are you could make more "one-off" errors.
If you have several then your premiums may well be unaffordable and could prevent you driving altogether especially at your age which is against you.

but i cant help feeling these claims are not justified

Maybe not, but there is nothing you can do except alert your insurer to possible fraud.

and me who has to deal with consequences

Doesn't sound like you are dealing with anythign to me.
It's not that I am not sympathetic.
I am sympathetic, but you appear not to want to wallow in self-pity about something you cannot change and you don't appear to want to change your driving even though you admit it was your fault and was entirely preventeable with a more defensive approach.

Quentin

dgrego123 wrote: »

thanks for your advice but i dont need any extra help with my driving.

IAM/rospa etc courses are well worth going on for all drivers (we know you won't be doing this again, but they would have taught you not to do it in the first place!)

And don't feel too hard done by over this and now getting little sympathy - truth is you don't know what injury you caused - and you even posted the innocent victims were money grabbing liars who remained in their taxi and never got out! Why didn't you go and stick your head in to see how they were (and apologise maybe!)