Last year i had someone drive into me whilst waiting at a t-junction in the car, didnt hit very hard but the car needed repairs etc, i was asked at the time whether i wanted to claim for injuries and said no as i was fine just abit shaken. Following this i got royally f’ed over by the insurance companies and despite being proved it wasnt my fault my premuims still went through the floor.
Fast forward to now and over the last few weeks i’ve had no end of calls asking if i want to claim, ive only answered a couple and told them no again but its bloody tempting to just so i can claim back all the extra money i’ve had to pay with insurance and as im quite young its obviously gone up alot!
I know its morally wrong and i probably wouldnt do it but what would you lot do? Once the claim is “spent” (takes 3 years) i’ll have had to pay an extra 750 to a grand roughly.
Nothing wrong with claiming anything, if you aren’t entitled to it they’ll soon quick let you know. Yes, of course it would be better if this whole game didn’t exist, but it does and you can either take part or sit on the sidelines. And as you say, you are seriously out of pocket and that’s not morally right for something that wasn’t your fault.
I don’t get this! Why are you being penalised for a no fault accident■■? Why should you claim for a no fault accident and no injury?? Unless I’ve misinterpreted the post your insurance shouldn’t alter
If you can’t beat em, join em mate! I aren’t one for claiming compo for every little thing but you’ve got to ask yourself if the boot was in the other foot and you rear ended them, would they have claimed?
Unfortunately the answer would probably be yes as people seem to be good at getting something for nothing these days. Maybe not always their own decision though as these injury lawyers like to put plenty of pressure you to claim.
I’ve had firms ringing me up about an accident I was involved in even though I’ve never actually been involved in an accident!!
i went through the insurance company and was totally straight with them, didnt wont to gain or anything like that just the car repaired and i’ll be on my way, cheers… But no i got had for trying to live by what i believe are good values.
Cheers for your comments, all my friends have said im nuts for not doing it and probably am really, seems like you get no thanks or better treatment (in fact worse it seems) for doing the “right thing”.
dri-diddly-iver:
I don’t get this! Why are you being penalised for a no fault accident■■? Why should you claim for a no fault accident and no injury?? Unless I’ve misinterpreted the post your insurance shouldn’t alter
I dont understand it either and have questioned this with them many times, but they have told me they treat a no fault claim the same as a fault claim because figures show im apprently more likely to claim again and that has been the case with all the insurance companies i’ve tried, mite be an age thing?
xfmatt:
If you can’t beat em, join em mate! I aren’t one for claiming compo for every little thing but you’ve got to ask yourself if the boot was in the other foot and you rear ended them, would they have claimed?
Well i asked the lady on the phone earlier tonight why all these claims companies have started calling me again and she said someone from the third party must have put in a claim and she said that will be the passenger in the car that hit me so because he has done/doing it, there now starting to hassle myself.
Sorry, there had to be one, though i suspect there are many here who share this view.
I don’t like how this country has changed, from the deepest most stinking parts of the trough where MP’s, celebrities and there mates stuff their pockets till they split, to the other end where itinerants and other low lifes con confused old folk out of their savings, to the millions in between who’s word means nothing, who have no honour, who have no pride no self respect.
I ain’t like that and i don’t give a flying F… if everyone else in the country is taking scheming fiddling and thieving their way through life, i am not doing it.
My dad would turn in his grave, he wouldn’t have done it and neither would his father, my lovely wife would no longer look at me in the same way.
The insurance losses in this case are i’m afraid just one of those things, hard as that is and i do feel for you in that.
This has been going on years unfortunately. About 10+ years ago got t-boned at at a crossroads traffic light junction. I had only had the vehicle I was in a fortnight but the other party’s (whose fault it was) insurers paid out £1k less than I’d just paid for the vehicle 2nd hand. I had legal expenses and told my solicitor a 2nd hand car couldn’t possibly have depreciated £1k in a fortnight and I had the receipt from the garage. He wasn’t interested in pursuing it and just said ‘we’ll get it back on the personal injury claim’. I didn’t want a bloody personal injury claim as I was alright, I just wanted the true value of the car.
As above, I don’t like the everyone’s working a fiddle culture. The way I’ve ended up working is a bit worse but not conscience troubling. If I’ve been overcharged somewhere and they won’t give me the money back if they under-charge me in future I wouldn’t mention it. Also if the government’s going to run an extortion racket with speed cameras, extortionate parking fines and similar, if someone offers me work for cash I wouldn’t decline it but certainly wouldn’t falsely claim benefits etc.
Juddian:
Sorry, there had to be one, though i suspect there are many here who share this view.
I don’t like how this country has changed, from the deepest most stinking parts of the trough where MP’s, celebrities and there mates stuff their pockets till they split, to the other end where itinerants and other low lifes con confused old folk out of their savings, to the millions in between who’s word means nothing, who have no honour, who have no pride no self respect.
I ain’t like that and i don’t give a flying F… if everyone else in the country is taking scheming fiddling and thieving their way through life, i am not doing it.
My dad would turn in his grave, he wouldn’t have done it and neither would his father, my lovely wife would no longer look at me in the same way.
The insurance losses in this case are i’m afraid just one of those things, hard as that is and i do feel for you in that.
If you don’t claim, some opposing insurers take that as some kind of admission of guilt, and will chase YOU from the other end - regardless of you being 100% blame free.
I once had a car drive up the arse of my 44" trailer, and speed away before I could get their number. There was no damage to the trailer, but I reckon there would have been a fair amount - at very least cracked lenses, etc - to the impacting car.
I filed a report at the cop shop just in case some knob decided to claim later that I’d backed into them - on the M25 and all!
Never heard nothing back, but the guy at the desk in the cop shop said I was doing the right thing “just to cover myself”".
That same cop shop has since been demolished, so I guess there won’t be anything after all this time either.
If you are 100% innocent it is important you file some paperwork.
The only way I can see insurance premiums increasing for a non-blameworthy accident is if the other side didn’t HAVE any insurance themselves!
They might get busted for it, but that won’t protect you from rising premiums. “Premium protection” (no claims protection) is as big a fiddle as 5 year warrantries unless you can get such cover for pennies.
How long does it take from accident to payout these days?
The other side usually folds days before the court date, assuming you were 100% in the right all along. It is surprising that no one chucks their hand away in the first week, which would save everyone concerned a lot of worry and cash at the same time!
SmashedCrabFace:
What was it you said to that bloke a few week back, Saaamon? You know, the one who was making an unfair dismissal claim? Oh yeah, I remember -
Saaamon:
Enjoy your compo, this country can do without your kind.
Granted i did say that… How do you suggest i get my money back from increased insurance premiums for an accident that wasnt my fault then, i’d be very interested to hear? The reality is im not actually going to do it because it would feel dishonest but is it fair that i should pay back more in insurance than what they paid to get the car repaired and thats the point in the thread, you do the right thing at the time then get shafted for it further down the line…
SmashedCrabFace:
What was it you said to that bloke a few week back, Saaamon? You know, the one who was making an unfair dismissal claim? Oh yeah, I remember -
Saaamon:
Enjoy your compo, this country can do without your kind.
Granted i did say that… How do you suggest i get my money back from increased insurance premiums for an accident that wasnt my fault then, i’d be very interested to hear? The reality is im not actually going to do it because it would feel dishonest but is it fair that i should pay back more in insurance than what they paid to get the car repaired and thats the point in the thread, you do the right thing at the time then get shafted for it further down the line…
Good man.
Insurance really is a nightmare, on the one hand good quality insurance from old names like NFU is expensive, but when things like this happen you find out why the others are cheap.
Did your insurance have legal cover?..if so and you are blameless it should be possible to pursue the other drivers insurance for your uninsured losses.
Did you have protected no claims?, if so then your NCB should be unaffected though its entriely possible the basic premium will rise as you are considered at risk…don’t ask me why.
If the accident was purely the other drivers fault your insurance company should not have been involved in the claim anyway (only kept informed), they should only have been providing you with legal advice/representation assuming you had legal cover in order to help you claim against the other party for all your losses.
Either way the cliam was from the other insurer, if necessary enlisting the assistance of one of the claims handler sharks…without getting drawn into the usual scam they pull by agreeing to have a new BMW courtesy hire car for a few weeks @ £lots.
SmashedCrabFace:
What was it you said to that bloke a few week back, Saaamon? You know, the one who was making an unfair dismissal claim? Oh yeah, I remember -
Saaamon:
Enjoy your compo, this country can do without your kind.
Granted i did say that… How do you suggest i get my money back from increased insurance premiums for an accident that wasnt my fault then, i’d be very interested to hear? The reality is im not actually going to do it because it would feel dishonest but is it fair that i should pay back more in insurance than what they paid to get the car repaired and thats the point in the thread, you do the right thing at the time then get shafted for it further down the line…
Good man.
Insurance really is a nightmare, on the one hand good quality insurance from old names like NFU is expensive, but when things like this happen you find out why the others are cheap.
Did your insurance have legal cover?..if so and you are blameless it should be possible to pursue the other drivers insurance for your uninsured losses.
Did you have protected no claims?, if so then your NCB should be unaffected though its entriely possible the basic premium will rise as you are considered at risk…don’t ask me why.
If the accident was purely the other drivers fault your insurance company should not have been involved in the claim anyway (only kept informed), they should only have been providing you with legal advice/representation assuming you had legal cover in order to help you claim against the other party for all your losses.
Either way the cliam was from the other insurer, if necessary enlisting the assistance of one of the claims handler sharks…without getting drawn into the usual scam they pull by agreeing to have a new BMW courtesy hire car for a few weeks @ £lots.
