Personal Injury Claim? Worth it or not! Even if in the right!

matty209aa

Hi, i am new to this forum. A very nice website and a interesting place to be.

A uninsured driver had jumped a red light hitting me and another vehicle. We are confident it is 100% not our fault because the police have confirmed that the driver who hit us was uninsured and we was both going through a green light.

Just curious, when making a personal injury claim, while paying for the damages yourself on my own vehicle, if you do get a successful payout via the MIB. Does it still go against a claim on your insurance record, if its for personal injury via the MIB service. Do you have to do declare this next year when getting car insurance quotes to company on comparethemarket? Even its personal injury and through the MIB SERVICE? Does it still go down?

If you ever have had a personal injury claim and have been paid out successful BEING NOT YOUR FAULT, did your insurance go sky high the following year when looking for a quote? If so how much by?

I am just worried that if i do make a personal injury claim, and do get some money after months of running around that in the end my insurance will go up double and any money got paid out, i would be given it back for the next five years because my premiums have gone up.

Thank you for taking your time to read this. Wondering what answers i would get..

Ganga

Well as you will now have to declare an accident even if non fault for the next 5 years or so and this will affect your insurance premiums you might as well claim for injuries IF YOU HAVE ANY, claiming for the sake of claiming is wrong in my book but if genuine injuries have occurred you might as well get any monies due . 

Car_54

As above, if  when you are asked about claims and/or accidents you will have to declare it.

In my experience of a few at-fault claims over the years, they haven't had very much effect.

Nobbie1967

Your insurance will go up because you have been in a crash and they will have paid out for your vehicle damage and are unlikely to recover this. Claiming off the MIB for personal injury is unlikely to further affect it.

Car_54

Nobbie1967 said:

Your insurance will go up because you have been in a crash and they will have paid out for your vehicle damage and are unlikely to recover this. Claiming off the MIB for personal injury is unlikely to further affect it.

OP has said he isn’t claiming for damage.

Okell

matty209aa said:

... Just curious, when making a personal injury claim, while paying for the damages yourself on my own vehicle, ...

Perhaps I've misunderstood, but why would you want to make a personal injury claim but pay yourself for the damage to your own vehicle?  That seems a really odd thing to want to talk about...

As @Ganga and @Car_54 have said, you shouldn't make a bogus claim for non-existent personal injury, but if you have suffered a genuine injury you should certainly claim for it

DullGreyGuy

Car_54 said:

Nobbie1967 said:

Your insurance will go up because you have been in a crash and they will have paid out for your vehicle damage and are unlikely to recover this. Claiming off the MIB for personal injury is unlikely to further affect it.

OP has said he isn’t claiming for damage.

They said they are claiming damages for their injury? Else why is the MIB involved?

Okell said:

matty209aa said:

... Just curious, when making a personal injury claim, while paying for the damages yourself on my own vehicle, ...

Perhaps I've misunderstood, but why would you want to make a personal injury claim but pay yourself for the damage to your own vehicle?  That seems a really odd thing to want to talk about...

As @Ganga and @Car_54 have said, you shouldn't make a bogus claim for non-existent personal injury, but if you have suffered a genuine injury you should certainly claim for it

MIB only covers uninsured losses... they won't cover damages to the vehicle if the OP has comprehensive insurance. So a claim for vehicle damages would go against their insurance if its made and unless the uninsured person has the funds to repay the insurer or they went with the likes of DL and their "uninsured driver promise" it'd be a fault claim as the insurer cannot get back their outlay. 

Bigphil1474

OP, i think you just need to make a claim for personal injury if you need to. If you don't need to, don't.

Technically, if you are paying for the damage to your car yourself, you haven't made a claim. If you are asked in the future if you've made a claim, you can honestly say no. If you claim for personal injury, it would depend what the wording is as to whether that is included in that. Either way, you would have to declare that you have been in an accident when asked - but accident and claim are 2 different things. As others said, if you claim for the damage, it will be classed as an at fault claim as your insurers would be paying, irrespective of being at fault for the accident.

DullGreyGuy

Bigphil1474 said:

 if you are paying for the damage to your car yourself, you haven't made a claim. If you are asked in the future if you've made a claim, you can honestly say no. If you claim for personal injury, it would depend what the wording is as to whether that is included in that. 

All insurers are going to count a claim for injuries as a claim... clue is in the wording

Bigphil1474 said:

 if you claim for the damage, it will be classed as an at fault claim as your insurers would be paying, irrespective of being at fault for the accident.

There are a minority that will count is as a non-fault claim because of "promises"... others because they first logged it as non-fault and stick to that wording even after it comes to light that there was no insurance, we used to as the FNOL letter would have simply stated its non-fault, there was no conditional bit about it may change in the future.

Bigphil1474

Lol. So you declare any claim you ever make for anything when you renew your car insurance?

A claim for injury through MIB is by definition a claim for uninsured loss, so is nothing to do with any insurance policy. A personal injury claim of any possible kind wouldn't normally be required to be notified either. So "clue is in the wording" is quite frankly, nonsense. It will depend on the question being asked - have you made any claim on any motor insurance policy in the last 5 years? No. etc. 

Arunmor

What injuries did you suffer?  Have you been contacted by a an ambulance chaser, sorry law firm?