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Insurance/Damage/Whiplash claim
dfarry
Posts: 940 Forumite
Hi all,
I was involved in an accident the other day.... I was stationary in queuing traffic (a 40mph stretch of road) when I felt an almighty crash into the rear of my vehicle. I was completely relaxed waiting for the traffic to move on so the force of the impact caused my head to snap back. I got out and found only minor damage on the rear of my car but it will need a new bumper.
Standing next to the car I was then aware of soreness in my neck and I told the other driver of this. We exchanged details, I decided I just wanted to go home which I did.
Having called my insurance company they have started the claim process... the other driver is also insured with Aviva and my insurance company is a subsidiary of Aviva.
I was asked... do you have an injury? "yes".... "soreness in my neck".... have you been to a GP/Hosp? "No, it feels better now... just stiff"... do you want physio? "No, I will see how it goes"... have you had time off work? "No".
So first off I haven't exaggerated my injury (I almost feel like I was being encouraged to), I've just said it as it is and will let the insurance company sort it between themselves.
However I've now been thinking.... I've had calls offering me physio, a courtesy car, asking if I have suffered any out of pocket expenses etc... but this is Aviva claiming from Aviva.... my NCD excess has been waived and I need my car fixed but I haven't made an insurance claim for something like 15 years and now rather like having quite low insurance premiums.
On the whiplash injury, Aviva have appointed a group of solicitors and they want me to sign a contract... the forms say "Before signing you are advised to get legal advice"... I note they have stated I am undertaking a funding arrangement within the meaning of CPR rule 43.2(1)(k)??? and I have entered into a conditional fee agreement in relation to this claim as per section 58(2) of the Courts and Legal Services Act.
I really don't understand all this stuff but assuming I was awarded say £500 would such agreements mean they can take a chunk of claim for their services, possibly leaving me with very little?
Thanks
I was involved in an accident the other day.... I was stationary in queuing traffic (a 40mph stretch of road) when I felt an almighty crash into the rear of my vehicle. I was completely relaxed waiting for the traffic to move on so the force of the impact caused my head to snap back. I got out and found only minor damage on the rear of my car but it will need a new bumper.
Standing next to the car I was then aware of soreness in my neck and I told the other driver of this. We exchanged details, I decided I just wanted to go home which I did.
Having called my insurance company they have started the claim process... the other driver is also insured with Aviva and my insurance company is a subsidiary of Aviva.
I was asked... do you have an injury? "yes".... "soreness in my neck".... have you been to a GP/Hosp? "No, it feels better now... just stiff"... do you want physio? "No, I will see how it goes"... have you had time off work? "No".
So first off I haven't exaggerated my injury (I almost feel like I was being encouraged to), I've just said it as it is and will let the insurance company sort it between themselves.
However I've now been thinking.... I've had calls offering me physio, a courtesy car, asking if I have suffered any out of pocket expenses etc... but this is Aviva claiming from Aviva.... my NCD excess has been waived and I need my car fixed but I haven't made an insurance claim for something like 15 years and now rather like having quite low insurance premiums.
On the whiplash injury, Aviva have appointed a group of solicitors and they want me to sign a contract... the forms say "Before signing you are advised to get legal advice"... I note they have stated I am undertaking a funding arrangement within the meaning of CPR rule 43.2(1)(k)??? and I have entered into a conditional fee agreement in relation to this claim as per section 58(2) of the Courts and Legal Services Act.
I really don't understand all this stuff but assuming I was awarded say £500 would such agreements mean they can take a chunk of claim for their services, possibly leaving me with very little?
Thanks
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