Partner claiming whiplash against me.

Scottishbhoy

Hello, just a quick one from me.


I was in a car accident last week and I was found at fault, My partner suffered whiplash and concussion.
She's adamant shes persuing a whiplash claim and ive explained its going to have a further negative effect on my insurance.


can any one tell me how bad its going to be? I had 7 years no claims. I lost 3 years of them. how bad will her claim effect me?

Retrogamer

If you've already been found at fault. her whiplash claim won't make things any worse for you.

Scottishbhoy

are you sure? I'm thinking about renewals and the "did any one get injured question". its gonna hurt me a lot more I feel.

Retrogamer

Don't remember seeing that question before to be honest.

Finst

It will hurt your insurance for the next 5 years - mine doubled when I had an accident and the other party claimed whiplash (falsely, but that's another story)

Having said that, she's quite within her rights to claim and I suspect the money/treatment she'll get will be worth more than the increase in your premiums.

Obviously, its your choice, but for the sake of your relationship, I'd be supporting her claim. What's more important to you, your premiums or your partner getting the appropriate physiotherapy?

Retrogamer

Finst wrote: »

It will hurt your insurance for the next 5 years - mine doubled when I had an accident and the other party claimed whiplash (falsely, but that's another story)

Having said that, she's quite within her rights to claim and I suspect the money/treatment she'll get will be worth more than the increase in your premiums.

Obviously, its your choice, but for the sake of your relationship, I'd be supporting her claim. What's more important to you, your premiums or your partner getting the appropriate physiotherapy?

As the OP's insurance is going to pay out anyway as they were at fault at the accident, i don't believe it will be any worse for them if his wife claims personal injury. The insurance will be paying out and it will be recorded as a fault accident either way

lisyloo

I have seen questions before on quotes about the size of claims etc.

There is a way to find out, by doing virtual quotes e.g. put in the theorectical claim without the injury, then try the quote again with exactly the same details but add the injury. Obviously that's just for 1 year, but it'll give you an idea. Personally I would not give my real phone number or email, but I would give the corect address (because postcode affects quotes).

Personally I think if you have been judged to have caused your partner an injury then you should support your partner in claiming and if I was your partner I'd be horrified that you were both trying to shirk from putting things right and were more concerned about your costs than my injuries.
Just my opinion (but happily partnered for 25 years).

Finst

Retrogamer wrote: »

As the OP's insurance is going to pay out anyway as they were at fault at the accident, i don't believe it will be any worse for them if his wife claims personal injury. The insurance will be paying out and it will be recorded as a fault accident either way

Logical, but not true for most insurers. Claims involving personal injury are treated more harshly than claims without - statistics show that people who have had a claim involving personal injury are more likely to have another accident than people who have had a "vehicles only" claim. Insurers therefore charge more

Retrogamer

Do all insurance companies ask about personal injury though? I've not changed insurance companies for a while but i don't remember being asked it when i did.

Scottishbhoy

just to clarify as it seems to have been taken that I only care about the cost rather than my partner. She has a pre-existing condition with her back and she regularly sees a physio and has treatment. so I'm not saying I'm not supporting her, she is already receiving the exact treatment she would get by claiming. I just don't wont to hurt my premium anymore than necessary.


My partner is my top priority but she cant gain anymore than she's has now so please don't misunderstand my intentions.

Aretnap

It's not just a question of getting some extra physiotherapy paid for - if the accident has caused her pain and suffering she would be entitled to claim a sum for that, over and above costs of treatment. The amount would vary depending on the level of suffering, but maybe of the order of a couple of thousand pounds for a typical whiplash injury which doesn't cause long term complications. (In England at least - things may be slightly different in Scotland)

Unless your car insurance premiums are already very high, it's likely that this would be more than any increase in them as a result of the injury claim. (And it may not cause any further increase at all - not all insurers will specifically ask about the injury claim or rate for it over and above the normal loading you get for an at fault accident).

See if you can persuade her to spend the money on something that will benefit both of you.