Help, unfair insurance bill

level200

Hi Everyone

Last June I have a very low impact (5-10mph) as I left my home. Its was my fault, the car I bumped into was stationary with just a little crack bumper.

Problem started when I reported the bum as I was insured for domestic driving and an this instance I had to use my car for work as I was late, The bump happened just outside my home but asI was shaken I told the insurance guy that I was on my way to work. they refused to cover me as I was using the car as it was not intended for. This I am fine with as it was my fault and I was happy to pay to get the bumper replaced.

This morning, almost a year after the bump I received a bill. The repair to the bumper was £922 (very high for what it was but I accept that). The final bill however came to £7070. She has claimed for whiplash, Physiotherapy and loss of earnings!!! (from a very low impact bump)

I am at my whits end and do not know what to do. can anyone give advice please.

jobdone1

This looks normal you cause an accident they are injured and as you are using the car that you have not cover for then you are best to pay this bill before it increases with interest. I am not sure their is any other way round this unfortunately but someone else might have a different view.

agrinnall

You need to check your policy carefully as in my experience commuting (i.e. travel to and from work) is covered, although I see from the link below that it is possible to get cover excluding commuting it's not something I have ever come across.

http://www.confused.com/car-insurance/guides/classes-of-use

dunstonh

The final bill however came to £7070. She has claimed for whiplash, Physiotherapy and loss of earnings!!! (from a very low impact bump)

It can be very frustrating when people try it on like this. However, whiplash claims are very difficult to disprove. However, you should ask for copies of the bills for physiotherapy and a letter from the employer verifying how much there has been in lost earnings.

rtho782

You're lucky you don't have 6 points for driving without insurance.

Why would you not have commuting cover

teddysmum

level200 wrote: »

She has claimed for whiplash, Physiotherapy and loss of earnings!!! (from a very low impact bump)

It is well known that people have taken advantage of whiplash, in order to claim more, but some are genuine.


It is possible to have injury from a low impact, especially if there is an underlying condition/injury which has been aggravated and shock alone can make some incapable of returning to work , immediately.

pinkteapot

agrinnall wrote: »

You need to check your policy carefully as in my experience commuting (i.e. travel to and from work) is covered, although I see from the link below that it is possible to get cover excluding commuting it's not something I have ever come across.

http://www.confused.com/car-insurance/guides/classes-of-use

I thought it was pretty standard. I've always seen options for:

- social, domestic and pleasure (which excludes commuting)
- SDP plus commuting to regular place of work
- SDP plus commuting plus travel on business

We had SDP only for several years when we both commuted to work by train. We had to add commuting to our use when we got jobs we had to drive to.