2mph accident - insurance have paid out £5K to other party!!!

lisyloo

I have no issue taking the blame for the accident just not paying for some scrote who wants a payday...

Totally agree 100%.

The problem is that no-one knows the truth in any individual case.

Let me give you an example.
My MIL cut her leg on the edge of an open toolox. Maybe 3 inch cut.
No big deal you would think.
Well she's 84 and like many people her age has swollen legs, so a cut doesn't heal like it would on a young person as the flesh is pushed apart it can never knit back together.
This requires several months of compression bandages.
Because she's not very flexible at 84, this means nurses have to apply the bandages.
Because she's disabled this means they have to visit the home 2 days a week.
So that's 2 days a week she has to stay in and wait for them.
As it's uncomfortable this means she can't walk too well, so can't go out and needs someone to push her in a wheelchair all the time.
This spoilt 2 holidays this summer.

The reason for this anecdote?
To point out that things aren't always as they seem.
My MIL deserveed to be compensated for - waiting in 2 days a week, not being able to walk, spolit holidays etc.
Not just a 3 inch cut that you might dismiss as nothing.

So whilst I totally agree with you 100% about paying only for genuine cases, please bear in mind you do not know the full effects of your actions.

lisyloo

I wish now I'd claimed I was injured too and got my company to pay out to me also.

Are you sure you'd get paid out for injuring yourself?
But I'm sure if you stopped to think about it you'd realise you would jsut be doing exactly what you are complaining about.

2sides2everystory

me wrote:

If that 47% statistic is true then it most definitely describes rampant dishonesty of some kind.

lisyloo wrote: »

Not necessarily.
There could be numerous explanations - like lack of solicitors in Scotland willing to do that type of work or perhaps people aren't as aware of their rights.

Really?? 47% = half, right ?

I wasn't particularly interested in the Scottish statistic as a comparison, more of the outrageous implication that one in every two motor claims comes with an allegation of personal injury. That is clear illustration of dishonesty somewhere in the system.

When I worked in a motor claims section 30 odd years ago, you'd be hard pressed to find more than one motor claim in ten having any estimate on it for PI, never mind an actual claim for PI.

I think successive generations of claimants, claims staff, lawyers and legislators have totally lost all perspective on what is right, what is normal, what is likely and what is the answer.

The biggest joke of all is that huge sections of our economies are built on heaps of lies like these.

lisyloo

I think successive generations of claimants, claims staff, lawyers and legislators have totally lost all perspective on what is right, what is normal, what is likely and what is the answer.

Putting the fraud aside (which I am totally 100% against).
I think the fact that people now have free access to legal help and compensation is fantastic.

The fact that there were so few claims in the past are becasue people didn't know their rights and even if they did could not afford legal help.

There are TWO sides to this.

vax2002

Its life I am afraid, however one bit of advice and all read !
Never allow ANYONE involved in an accident to sit in your vehicle, even if you have witnessed the accident, even if they are cold, wet freezing, do not put them in your vehicle, unless you want it turning in to a convertible by the fire service !
And you will be uninsured ..

lisyloo

Thanks for that advice. I'll certainly be taking that on board.

[Deleted User]

lisyloo wrote: »

Are you sure you'd get paid out for injuring yourself?
But I'm sure if you stopped to think about it you'd realise you would jsut be doing exactly what you are complaining about.

There was a hint of sarcasm in my reply....

molerat

A short tale from a personal aquaintance who was involved in a no fault claim.

Car insured value £650, insurers passed to accident management company. Engineer assesses as write off 2 days later. Insurance companies argue the toss / generally fanny around. £1000 in car hire charges before agreement is reached and cheque sent out. Accident management co ask "any injuries ?".... Just bruised leg is answered. We will go for £600 then, a week later £500 agreed. So a simple £650 claim has turned into £2150 plus management co slice !!

sarahg1969

This is the story here:

http://www.insurancetimes.co.uk/north-west-identified-as-chief-bodily-injury-hotspot/1393227.article

I'd not remembered the figures quite accurately, though. And it's 43% of tp claims that include a claim for injury, not of all accidents.

Parking_Trouble

molerat wrote: »

A short tale from a personal aquaintance who was involved in a no fault claim.

Car insured value £650, insurers passed to accident management company. Engineer assesses as write off 2 days later. Insurance companies argue the toss / generally fanny around. £1000 in car hire charges before agreement is reached and cheque sent out. Accident management co ask "any injuries ?".... Just bruised leg is answered. We will go for £600 then, a week later £500 agreed. So a simple £650 claim has turned into £2150 plus management co slice !!

In my case the claimants 10 year old banger is a £1500 write off.
Total claim £25k
£11k in "solicitor" costs
£8k in PI claims between 4 claimants.
£2500 in "medical fees"
He tried to claim for 72 days of car hire, claiming 4 times more than his car was worth.

My insurer paid out at least 2 of the claimants pre-medical to keep the claim down.

A gravy train for Claims Management company and their cohorts in the medical and legal profession.

This is why insurance costs are sky rocketing.