XS car insurance cancelled now owe £15,000

Nasqueron

csgohan4 wrote: »

not a dash cam with GPS and speedometer, hitting someone at less than 5mph will be less serious than someone at 30mph

I'm not disputing that, what I am pointing out is that a dash cam that proves you ran into the back of the car in front will not result in the insurer fighting a damages / whiplash claim due to the expense. Yes it's a farce that a 5mph bump could result in an injury claim but there you go, pay say £5k or whatever or spend £10k on lawyers fighting over something almost impossible to disprove. Basic economics.

Browntoa

No brake lights = classic "crash for cash" in my mind

Nasqueron

Browntoa wrote: »

No brake lights = classic "crash for cash" in my mind

Little old lady and OP didn't pay attention, probably didn't brake just clutch control or OP wasn't paying attention and assumed she moved and didn't.

Disabling brake lights scam would typically be 3-4 guys in a van to maximise the claim

Jessica._2

The car infront had no break lights. It’s very hard to keep an eye on the car in front in the dark. It was raining and the tarmac obviously wet. So when I breaker my car skidded slightly. Having no break lights should not be a reason to blame me for an accident that I was clearly trying to do desperately avoid.
For the whip lash!!! I myself have had 6 major operations so when I see a lady jump out of her car and then console me I question whip lash! She was a lovely lady and reassured me that she would get her friend to repair the paintwork! I’m gonna say this but whiplash in some circumstances seems to be the trend in a way of sucking money out of insurances! It was only the other day when I read an article.

Jessica._2

Sorry I’m lost

Little old lady break light scam???

Zorillo

Yes, whiplash is a known way to scam money from insurers, that is beyond dispute.

You failed to keep a safe distance from the car in front of you and stop in time to avoid a collision. Your liability is also beyond dispute.

You haven't yet told us why your insurance was cancelled, which may be a much better avenue to explore than trying to avoid liability due to brake lights that may or may not have been working.

Nasqueron

Sorry but your story doesn't add up from a physics point of view.



You were in a queue of traffic going at a "snail's pace". The car in front may have moved and yet you were going at sufficient speed that you managed to skid into the car in front hitting at around 5mph? You must have been going at some whack to be able to accelerate up to sufficient speed to skid. Why did your car headlights not illuminate the car in front stopping? Were you not paying attention to the car itself rather than just looking for brake lights? Phone / adjusting radio / not looking ahead etc? Perhaps you didn't notice her brake lightly and stop?



You do not have to brake to slow down when crawling in traffic, going at a few mph you can easily control speed with clutch control and then apply the handbrake.



In reality you were too close, not paying enough attention and speeding up too quickly for the conditions. Your insurance paid out for the damage you caused, there is no scam.

sheramber

Forget the fact that you don't think you were at fault.

You agree to the insurance company handling your case and it is their decision.

What did your insurance company reply to all your emails and your letter?

Did they cancel the policy because of what you said to them?

agrinnall

Your continued refusal to tell us why the insurance was cancelled and the inconsistencies in your story of what happened are starting to make me doubt the whole thing.

OnanTheBarbarian

Can you please reply and state the reason the insurance company gave you for cancelling your policy?

We will then be able to help you.