Claiming after car accident

Doggydoodlez

I was in a car accident at the weekend.  I'm to blame, I went in to the back of the other car.  No major injuries just some bruising and stiffnecks and sore knees.  My friend who was in the car with me is suggesting we put accident claims in.   I'm not interested in it and she said she would only do it if it doesnt affect my insurance more.  Can she even claim if medical treatment hasn't been sought/needed. 

RBN20

A claim will be made by the third party, so regardless of whether you and your passenger claim, there will be a claim on the policy. 

You would not be able to claim for your injuries because you were at fault, and you can’t claim against yourself, however you can claim for your vehicle damage if there is any, and your passenger can claim for her injuries if she chooses to. All insurance companies are different, some may want proof she has had medical attention, some may just discuss her symptoms with her and offer her an amount to avoid her taking it through solicitors, which would cost them more. 

A lot of insurance companies don’t work out your premium by how much was paid out on the claim, just the risk factor that you have had an at fault claim. But again, all insurance companies are different. Maybe call yours and ask, you’ll need to speak to them anyway to let them know there was an accident 

Doggydoodlez

Thanks, i have spoken to my insurance and they did ask about injuries and i told them they were minor.  Didn't realise at the time my friend was considering claiming. 

TELLIT01

Doggydoodlez, you have done the correct thing by accurately reporting the level of injury.  If your passenger wants to try to commit insurance fraud don't allow yourself to get dragged into it.

RBN20

Claiming for minor injuries isn’t insurance fraud, as long as they are open an honest that the injuries are minor, such as their stiffness of neck, bruising and sore knees. If they exaggerated their injuries in order to claim a larger amount then yes, that is insurance fraud