Claiming personal injury. No third party

terrydoctile

My daughter had an accident in her Audi while driving up a motorway slip road.
She said that she just skidded on some spilled diesel and caught the steel barrier. The front of her vehicle is badly damaged.
She is fully comprehensive insured and is showing all the signs of whiplash, but won't make a personal injury claim because she doesn't think she is covered as there was no other vehicle involved.
Is this true?

E._Tenebris_Lux

terrydoctile wrote: »

My daughter had an accident in her Audi while driving up a motorway slip road.
She said that she just skidded on some spilled diesel and caught the steel barrier. The front of her vehicle is badly damaged.
She is fully comprehensive insured and is showing all the signs of whiplash, but won't make a personal injury claim because she doesn't think she is covered as there was no other vehicle involved.
Is this true?

I think this might be the wrong board for this, so you may not get that many answers here.

As far as I am aware, if your daughter does have comprehensive cover (including personal injury) she should be able to make a claim against her own insurance policy - it's irrelevant whether or not there was another vehicle involved. This would be particularly the case where the accident wasn't your daughter's fault (i.e. with the spilt diesel) but would of course require her to be able to prove what happened.

Best thing is for her to contact her insurer to speak to someone and notify them of the claim.

Fruit_and_Nut_Case

E._Tenebris_Lux wrote: »

I think this might be the wrong board for this, so you may not get that many answers here.

+1

Try The Insurance & Life Assurance Board, unless she was cut with a Credit Card.

yasmup

terrydoctile wrote: »

Is this true?

Well as you do ask, I would say I am finding it difficult to believe.

However, has she been to hospital? You say she appears to be suffering from whiplash. Surely a medical expert worth their salt could can identify whiplash or not.

Also I would have thought the hospital would treat such injury/pain, whatever the cause and probably without cost.

If the NHS hospital does charge, then she could submit such receipted expense to her insurance company.

Presumably she has already informed the insurance company of the accident anyway so that the car can get repaired.


... and yes, not sure the credit card board is the best location for this question. Perhaps contact one of the Board Guides here and ask to move it to a more appropriate board?

terrydoctile

Sorry about the wrong board business. First posting on this website for years. I will be more careful in future.
Yes, she has been treated by her doctor, who has diagnosed whiplash, since I last spoke to her, but she has no intention of claiming personal injury through her insurance.
I was just wondering whether I should advise her to claim.
Would hate to give her the wrong advice.

E._Tenebris_Lux

terrydoctile wrote: »

Sorry about the wrong board business. First posting on this website for years. I will be more careful in future.
Yes, she has been treated by her doctor, who has diagnosed whiplash, since I last spoke to her, but she has no intention of claiming personal injury through her insurance.
I was just wondering whether I should advise her to claim.
Would hate to give her the wrong advice.

Yes, tell her to review her policy and contact her insurers to find out whether or not she is covered.

lisyloo

Normally personal injury would be claimed off a third party.
However it's possible that she paid for personal accident cover which is usually an additional add-on.
She could check her documents or ring the insurer.

[Deleted User]

terrydoctile wrote: »

...I was just wondering whether I should advise her to claim.
Would hate to give her the wrong advice.

Best to keep quiet if you don't know.

She could all her insurers if she wanted to know about what her policy covers, but as you say, she has no intention to claim for this anyway.

Presumably the insurers are aware of the accident anyway to cover damage caused to the car and presumably the roadside barrier.

InsideInsurance

lisyloo wrote: »

Normally personal injury would be claimed off a third party.
However it's possible that she paid for personal accident cover which is usually an additional add-on.
She could check her documents or ring the insurer.

PA cover pays out on loss of limb or permanent loss of a sense not just whiplash type claims.


To the OP - who are you trying to hold liable for the accident? Someone who spilled the substance or the council/highways agency for not cleaning it up?