Should learner driver make a claim

garth549

Sounds like you've been contacted by one of these claims management parasites.

You cannot claim for just having a bit of 'mild discomfort'. This is a script the cold caller uses which is highly misleading and should be illegal IMO.

You can claim for non-frivolous health issues caused by the accident, and consequences of such. Such as time off work and physio appointments.

If you went to court and told a judge your neck ached for a few hours and then you were fine you'd be laughed out of court and probably receive a 5-figure legal bill.

Dangermac

Dannnny wrote: »

Thanks to all that offered advice (and those that didn't!). Looks like my original concerns weren't unfounded. Though the £2k was tempting it'll just end up as a millstone for the next 5 years.

Blimey. Let's unpack this a little.

1. The accident will need to be declared to future insurers (in line with the questions which are asked), even though non-fault.

2. If he is injured, then by all means, claim for compensation. It will not increase his premium or change his disclosure obligations

3. If he is not injured, but simply fancies some 'compo' from this magical money pot (lol !!), I would recommend that you/he think very carefully before going down this road.

Hope this helps

DM

Uxb1

Deleted_User wrote: »

They would need to declare the accident in any case.

Why?
They were under instruction
They were not the licenced driver of the car and nor are they operating under their own insurance
The instructor was in charge of the car and it was the instructors insurance.
They were just a small step up from a passenger.

Closest one to this I've seen was a breakdown where the car was being put onto the breakdown lorry by the breakdown operative and were involved in an accident at that precise time.
Sorry says the owner to all from the police to the insurance Co's - I was not the driver of the car at the time, it was not my insurance and it has nothing whatsoever to do with me.

Dannnny

You're right Uxb1. I spoke to my own insurer today. A PI claim is not a car insurance claim and therefore would not need to be declared.

couriervanman

Regardless of all the advice the OP gets......i think we all know what will happen....£££
Then in a years time he will wonder why his own insurance has gone up

Dannnny

couriervanman wrote: »

Regardless of all the advice the OP gets......i think we all know what will happen....£££
Then in a years time he will wonder why his own insurance has gone up

Regardless of any PI claims a vehicle was damaged and MY premium will go up as a result.
So lets see who is to blame.
Was it:-
1 The learner/instructors fault for being (technically) in the right place at the right time,
2 The third party's fault for reversing off his drive at 1-double-0, shooting across the road and slamming into the instructors vehicle because he was angry,
3 The third party's wife for putting him the bad mood in the first place! (admitted by third party)

Dannnny

Dangermac wrote: »

lol - that's funny !!

How so?:huh:

Old_Git

if you PM me the accident details I can do witness

couriervanman

Dannnny wrote: »

Regardless of any PI claims a vehicle was damaged and MY premium will go up as a result.
So lets see who is to blame.
Was it:-
1 The learner/instructors fault for being (technically) in the right place at the right time,
2 The third party's fault for reversing off his drive at 1-double-0, shooting across the road and slamming into the instructors vehicle because he was angry,
3 The third party's wife for putting him the bad mood in the first place! (admitted by third party)

Was it your car or the instructors

Dannnny

couriervanman wrote: »

Was it your car or the instructors

My mistake, two vehicles were damaged. The third party's AND the instructors. Will that incident or will it not increase everybody's premiums?
So who are YOU going blame, 1,2 or 3.
Idiot drivers who get behind the wheel when they shouldn't gets my vote.
Symptom and cause my friend.
No cause = no symptom