Help - Insurance claim rejected and whiplash

londonTiger

billa_champion wrote: »

'...but I have just heard that she is nowclaiming whiplash - I know its possible but my gut feel is that she's taking the p###'
I know exactly where you are coming from. Had something similar just before Xmas. Kissed the car in front at literally 3mph and the woman came out all guns blazing 'oh my neck hurts!'.
Now she's claiming whiplash and damage to her car. Her car had NO damage - I took pictures of both cars and have two independent witnesses but they said my pictures were taken in the dark I replied well that's when the accident happened (about 4pm) but my car's headlights are clearly lighting up her car and showing no damage. My insurance company says she has history with them as she claimed for whiplash in July 2012 but with whiplash its impossible to prove otherwise so they said its probably cheaper to pay out and cover her car's damage!!:mad::mad::mad:
I am livid. If an insurer's medical team cant prove she hasn't got whiplash why can her medical team claim she has? Why does my word carry less weight than hers!:mad:
Its annoying how its always the decent, law abiding citizens that get shafted and the skivers and fraudsters get away with it day in, day out.

Well driving into the back of someone was always a no-no. By default you'll be at fault even if other party maliciously did an emergency brake to cause that (pretty difficult to prove without CCTV anyway)

If there's one lesson to take from this. Don't tailgate and expose yourself to this crap. Don't even give them a chance to claim for whiplash on you.

3mph collision is probably the same as if you were a passenger in a vehicle and the driver does an emergency brake!

Horizon81

It's a load of BS to say the employer is to blame. On a claim form of a national employer like this, when you submit your mileage claim form, there will be a disclaimer that by submitting the form, you meet a long list of criteria and top of that list will be that the vehicle you are claiming for has the relevant business insurance.

im-lost

Horizon81 wrote: »

It's a load of BS to say the employer is to blame. On a claim form of a national employer like this, when you submit your mileage claim form, there will be a disclaimer that by submitting the form, you meet a long list of criteria and top of that list will be that the vehicle you are claiming for has the relevant business insurance.

So the OP could have been fraudulently claiming expenses?

If I were the op I'd have a good think about what any expenses forms stated before trying to blame the employer

edsredshed

Thanks again everyone - I'm not sure going after my employer is the direction I want to go with this as not only does it feel riddled with possible issues (not least my travel expenses being voided) but also it would cause bad will, and to be honest I don't view it as their fault.

I'm still torn as to whether to go to the financial ombudsman though. Whilst I admit that not ticking the box was an oversight, I think totally withdrawing cover and leaving me to cover all costs is a little heavy-handed. For example I would be happy to pay any back-dated differential that would be required to make up the difference between social and business cover.

Rodney_Trotter

edsredshed wrote: »

Thanks again everyone - I'm not sure going after my employer is the direction I want to go with this as not only does it feel riddled with possible issues (not least my travel expenses being voided) but also it would cause bad will, and to be honest I don't view it as their fault.

I'm still torn as to whether to go to the financial ombudsman though. Whilst I admit that not ticking the box was an oversight, I think totally withdrawing cover and leaving me to cover all costs is a little heavy-handed. For example I would be happy to pay any back-dated differential that would be required to make up the difference between social and business cover.

I'm sure you would be happy to pay back the difference in premium. Probably about £10 for the year but if the insurance company are looking at paying out £2000 for damage to the third party and £3000 for injury where is the business case for them to do so?

Dazedandconfused

I just wanted to comment to say last year my car got written off when someone hit the back of me it wasn't at a massively high speed but it did cause whiplash. I have had lots of Physio, 3 steroid injections into my shoulder and nearly a year on I have constant neck pain, am taking strong prescription pain killers and anti inflammatories. I have restricted movement when turning my head and I have limited mobility in my left arm, most days I can't get it above shoulder height . I am able to work and only took minimal time off after the accident but it has changed my life. I can't do any of the exercise classes that I used to, after work most nights I'm too tired and sore to do anything but sleep and I've really cut down on the amount of driving do because it's painful. Plus is very hard to do simple household tasks e.g. Ironing, hovering, emptying the bins.

Please don't assume that everyone who says they have whiplash is trying it on. Unless you have had chronic pain you really have no idea how upsetting and debilitating it can be. To start with they said mine might last 6-12 months now my GP is saying they really don't know.


Do you not have to show your insurance certificate at work. At my work to claim mileage you have to be insured for business use and you have to show your insurance to your manager every year.

forgotmyname

This could be London Tiger ...... Not informed their insurer of business use either.