Originally posted by VectraMan
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Insurance Rant!
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Originally posted by SimonMac View PostFor those who don't venture into TPD last week I ran into the back of someone coming out of a junction as they had stopped in the middle of the road, entirely my fault and I admit that, on first inspection there was no damage to their car and a bit to mine but not enough to worry about it, she mentioned something about renewing her policy in a few days so trying to avoid going through our respective insurers and looking at the damage (or lack off) I was happy with this. Few days later I get a call saying there is damage to the boot and "behind the bumper" so it will have to go through the insurance, again no worries.
Get a letter through yesterday from their solicitors claiming "in excess of £10,000" due to whiplash, driving anxiety and lost earnings, **** sake I thought I was on a good rate as given they only had one day off (the form stated this). So I go back to the photos I have taken off the cars and again confirm there is no visible damage to her car and given the speed of impact was below 5mph I spoke to my insurers saying I wanted to contest the level of the claim, only to be told that with fault established it is not in their and thus my, interest to negotiate the claim and just settle.
Are things that ****ed up with our legal system that it is cheaper to just settle than try and negotiate a fair deal? I wonder how much the case would cost if third party claims management firms were not involved, or no win no fee cases were abolished.Comment
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Originally posted by SimonMac View Post...So I go back to the photos I have taken off the cars and again confirm there is no visible damage to her car and given the speed of impact was below 5mph I spoke to my insurers saying I wanted to contest the level of the claim, only to be told that with fault established it is not in their and thus my, interest to negotiate the claim and just settle...Join IPSEComment
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Originally posted by Alias View Posttbh, i'd get onto a solicitor and make sure that they couldn't claim that much off ya and not "just settle" regardless of blame...
So unless you called the police and indicated it was a set up then the insurer will pay out."You’re just a bad memory who doesn’t know when to go away" JRComment
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Originally posted by SueEllen View PostUnfortunately in your policy you agree for the insurance company to handle it, so you can't do anything.
So unless you called the police and indicated it was a set up then the insurer will pay out.
So, I went to see solicitor. His view was that the insurers were perfectly within their rights. If I wanted to do anything about it I would have to sue the other driver. He also indicated that it was his opinion I would win.
I suggested we go forwards, which is when I also discovered I would be wasting my time. Even if I won (as expected) all I would be able to recover would be MY loss. That would be limited to the increased insurance premiums.
It's down to the insurer if they want to fight a claim, or try and recover from the other party. But the obvious easy option is just to pay out. Crappy system, but its the one we have.Comment
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Originally posted by d000hg View PostInteresting. When the wife was hit from behind at a far lower speed - car behind thought she was going to pull out and pulled out themself - her insurance company (NOT some dodgy specialist accident company) were very keen to get her to claim for injury.
Some old dear tried to pull across the road I had just turned into, she admitted full fault verbally at the time, to the insurers etc and I've had notification from my insurers that she's admitted responsibility. The bingle wasn't at high speed 10mph tops, but it trashed the bumper on my car and one of the light fitting things, all repaired with replacement car while mine was in dock.
Within minutes of my call to my insurers they had a firm of solicitors calling me asking if I'd suffered any injury and I had a similar call from the other parties insurers with some personal injury claims bod. Neither legal type was pushy, but it was pretty obvious they were keen for me to make some personal injury claim and there were follow up calls over several days after the event.
I suppose some people would call me pretty daft for not pushing a dodgy claim, but I didn't lose any work and I didn't suffer any injury.Comment
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Originally posted by TykeMerc View PostI've had something similar in the last month.
Some old dear tried to pull across the road I had just turned into, she admitted full fault verbally at the time, to the insurers etc and I've had notification from my insurers that she's admitted responsibility. The bingle wasn't at high speed 10mph tops, but it trashed the bumper on my car and one of the light fitting things, all repaired with replacement car while mine was in dock.
Originally posted by TykeMerc View PostWithin minutes of my call to my insurers they had a firm of solicitors calling me asking if I'd suffered any injury and I had a similar call from the other parties insurers with some personal injury claims bod. Neither legal type was pushy, but it was pretty obvious they were keen for me to make some personal injury claim and there were follow up calls over several days after the event.
I suppose some people would call me pretty daft for not pushing a dodgy claim, but I didn't lose any work and I didn't suffer any injury.
The government has banned insurers from getting referral fees from solicitors etc. so anyone having accidents from now on should get less tulip. Unfortunately there are still insurers who have solicitors in their group of companies....."You’re just a bad memory who doesn’t know when to go away" JRComment
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Originally posted by SueEllen View PostThe government has banned insurers from getting referral fees from solicitors etc. so anyone having accidents from now on should get less tulip. Unfortunately there are still insurers who have solicitors in their group of companies.....
It's just a terminally screwed up system. The biggest winners are the ambulance chasing solicitors...Free advice and opinions - refunds are available if you are not 100% satisfied.Comment
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Originally posted by SimonMac View PostGet a letter through yesterday from their solicitors claiming "in excess of £10,000" due to whiplash, driving anxiety and lost earnings, **** sake I thoughtComment
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Originally posted by TykeMerc View PostI suppose some people would call me pretty daft for not pushing a dodgy claim, but I didn't lose any work and I didn't suffer any injury.Comment
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