Car went into the back of me, what can I claim?

13

Comments

  • AdrianC
    AdrianC Posts: 42,189 Forumite
    First Anniversary Name Dropper First Post
    caprikid1 wrote: »
    "Great - so we're all agreed that if the OP really does have whiplash, then they're due compensation for that, but if they don't, then it shouldn't even be mentioned. And all they're due is the pre-collision value of their £1k 20-25yo BMW. "


    If that's what you are happy with then fine, personally if someone trashes my pride and joy through not paying attention not sure why I should tolerate some desk jockey looking an outdated glasses guide that has no ability to assess the value of a car over 10 years old where condition , miles and service history can make a enormous difference in value and resale value. Sorry but when dealing with insurance claims on old cars and the fraudulent way insurance companies act you have little option but to use every option available to put yourself in the same pre accident position.
    Yes, that's what the pre-collision position is.

    You had £1k of car. The car no longer exists. You have £1k cash instead.

    It's hard to see how you're suggesting anything BUT fraud, whether you want to acknowledge it and call it by its proper name, or whether you want to be in denial.
  • nubbz
    nubbz Posts: 23 Forumite
    First Post First Anniversary Combo Breaker
    I got the car for 1k. I spent over 1k on it close to 2k on it.
    If I didn't do the jobs on it, the car would still be worth about 1k.

    An example. Car is worth 1k before accident. I don't do the £1000+ in servicing to the car, I then have an accident. Insures go because you didn't service the car it is valued at £0. That wouldn't happen.





    Maybe it is my own fault. For peace of mind I got everything done and done correctly. The way I see it is I am being punished for properly maintaining an old car and I don't see how I will be back in the same position as before the accident.

    Think I am just rambling dunno if it made sense.
  • Potbellypig
    Potbellypig Posts: 775 Forumite
    First Anniversary Name Dropper First Post
    You'll get minimum £1500 for whiplash. Don't need to get a doctors note or anything like that either. Google it - you'll be grand.
  • glentoran99
    glentoran99 Posts: 5,821 Forumite
    First Anniversary Combo Breaker First Post Debt-free and Proud!
    Potbellypig wrote: »
    You'll get minimum £1500 for whiplash. Don't need to get a doctors note or anything like that either. Google it - you'll be grand.



    Must be different in England but I was sent to a specialist for assessment
  • AdrianC
    AdrianC Posts: 42,189 Forumite
    First Anniversary Name Dropper First Post
    Potbellypig wrote: »
    You'll get minimum £1500 for whiplash. Don't need to get a doctors note or anything like that either. Google it - you'll be grand.
    And where do you sit with advice like this, caprikid1?
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Name Dropper First Anniversary First Post
    AdrianC wrote: »
    And where do you sit with advice like this, caprikid1?

    Does it come under the heading of :-
    victimless crime
    It's free money
    everyone does it

    There's probably a few more as well.
    P's meoff as we all pay extra for this endless pot of cash paid out.
  • caprikid1
    caprikid1 Posts: 2,132 Forumite
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    Sorry not sure where I have ever said claim for whiplash, I have had two or three cars run into the back of me over the years and have never claimed whiplash.


    I won't tolerate being in a worse pre accident position though. That's the game with insurance companies to try and pay as little as possible and make as much money from referals etc.
  • worried_jim
    worried_jim Posts: 11,631 Forumite
    Combo Breaker First Post
    Potbellypig wrote: »
    Whiplash..

    Whipcash. .
  • agrinnall
    agrinnall Posts: 23,344 Forumite
    First Post Combo Breaker
    caprikid1 wrote: »

    I won't tolerate being in a worse pre accident position though. That's the game with insurance companies to try and pay as little as possible and make as much money from referals etc.

    You still haven't explained how you would do this without introducing an element of fraud into your claim.
  • AdrianC
    AdrianC Posts: 42,189 Forumite
    First Anniversary Name Dropper First Post
    agrinnall wrote: »
    You still haven't explained how you would do this without introducing an element of fraud into your claim.
    Or, indeed, what the problem is with replacing a car with a market value of £1k with £1k of cash, and why £2k of cash is needed to be "fair".
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