Got rear ended today

[@Spoonie]

Ok, sorry

 

[Vish]

Depends on how severe the whiplash is. I had whiplash after an accident in July a couple of years ago. As it was going through the solicitors, I didn't see a doctor until September and he diagnosed minor whiplash. I rested mainly for the time in between, couldn't work due to not being able to lift anything, but still went out to see mates as long as wasn't putting pressure on my back I was fine.

 

[Vish]

All of you saying premium will be higher regardless of fault should try a few quotes. I think you will find with a lot of insurers it will make no difference. I know for a FACT that my insurance has not been affected by a non-fault claim

Generally that's true but I did a quote with and without a non-claim accident on policy and it made £50 extra having it on! When I had a go at them about it, they said because of my fault claim (declared on both quotes), that the non-fault accident ment having 2 accidents on my policy meant a higher quote! So my car insurance cost me an extra £50 cos of some bint's inability to check it was clear before doing a u-turn on a 60mph road!

 

[D1CKY]

thats the BS covering there arses i think, i mean by the time youve painted the bumper etc your looking at a fair bit

I cant wait to see what curtosy car i get, they said it would be of the same power (ish) the insurer thought it would be a golf gti or something should be fun for a few days :approve:

I did wander with the price of the quote from the Bodyshop :S

Who you insured with ?

I thought thay'd just give you a gay little 1 litre run about as a courtesy car ?

Or didi you pay more for a courtesy car of the same power

 

[D1CKY]

Just out of cusiosity - what do most of you pay for insurance?

Im 28,M, and mine is £430 fully c, and i have my bint on there too who is only 23............

C.

I'm 25 and i'm £300 and something Fully Comp with 4yrs Ncb

f**k paying more than a grand to insure a car :nono:

 

[D1CKY]

How can someone with whiplash be walking around for a couple of days before seeing a doctor?

I hope they investigate you, find you making a fraudulent claim and void your insurance.

wise up!!

how was he "walking around for DAYS"?!

the accident happened on sunday, now how many doctors surgeries are open on a sunday? none up here. so he went to see the doctor at the earliest possible time which was the next day. his doctor has confirmed that something is not right, and i am sure that the correct course of action will have been taken by his doctor. its whiplash, not paralysed from the neck down. when i had whiplash after coming off a quad, i felt fine until a couple days later when my neck just completely stiffened up. didnt stop me going to work, but still bloody hurt! and if that suffering is caused by somebody elses carelessness and lack of concentration, then i would be using the appropriates channels to see that something is done. be it a cash settlement or private medical attention at the other persons insurance' expense, then so be it.

I wasn't gonna post this but f**k it, i agree with Darren here i'm afraid

Why jump in with a reply when you don't know the true details

 

[Darren]

Ok, sorry

i aint trying to be big headed and arsey about it, just throwing my two cents into the bowl.

 

[JaysClio]

i would have to agree with him, why shouldnt he claim.. im pretty sure that about 9/10 claims are made for wiplash from rear end shunts..

Mate, by the sounds of it, you were lucky to just come out with wiplash.. like you said. There is a system in place.. and sure people make mistakes, we are all human, but you can bet your bottom dollar that if you were that one to make that mistake, they will take you to the f**king cleaners.. claim for this and that!

No way should anyone pay for other people's incompetence (spelling)

Get what ever you can mate!!

 

[Brooky182]

thats the BS covering there arses i think, i mean by the time youve painted the bumper etc your looking at a fair bit

I cant wait to see what curtosy car i get, they said it would be of the same power (ish) the insurer thought it would be a golf gti or something should be fun for a few days :approve:

you will get a clio 1.2 or a corsa 1.0 fact mate

sorry they wont give you a gti due to your age.

as for the whiplash go for it, you have swelling etc so my advice would be to take some pics etc of your neck.

Hope you get it sorted a.s.a.p

 

[kic]

my bro had a 1.9 diesel 206 was in an accident, he got a 5dr golf 1.9 TDI AUTOMATIC it was fast lol, just your luck really think you can get anythin:approve:

 

[gaz44]

1.2 Corsa it is

 

[CupSport]

I got one of those brand new shitty fiestas when i went through the insurance
when me cup got write off....

Whiplash claim takes a few months to go through and then u have to go
for a test at a docters practise but even if you was on the blag they wouldnt know..
Payout is around 1 and a half G to 2

 

[Eckascliovalver]

cheers for all the sympathetic and nice comments guys tbh im not really fussed about the courtesy car, its just what the guy said at elephant Everything is on track now and was really pleased with the speed of the insurer booking it in to get fixed etc


will update as progress begins

 

[172.com]

No way should anyone pay for other people's incompetence (spelling)

Oh the irony!

You'll be paying for it

I renewed my insurance today, yet again it's gone up instead of down... hmm I wonder why? :S

 

[Day]

If it does go through the insurance, I hope everything is declared on your policy.
Solicitors acting for the guilty persons insurance company will explore every avenue not to payout even if their client is obviously 100% liable...

 

[D1CKY]

thats the BS covering there arses i think, i mean by the time youve painted the bumper etc your looking at a fair bit

I cant wait to see what curtosy car i get, they said it would be of the same power (ish) the insurer thought it would be a golf gti or something should be fun for a few days :approve:

you will get a clio 1.2 or a corsa 1.0 fact mate

sorry they wont give you a gti due to your age.

as for the whiplash go for it, you have swelling etc so my advice would be to take some pics etc of your neck.

Hope you get it sorted a.s.a.p

Thats what i thought, unless you've paid slightly more on top of your premium to help pay towards a Gti courtesy car

And its pot luck usually as said above

Its cheaper for them to give you a 1.0 or 1.2 than a Gti

 

[D1CKY]

No way should anyone pay for other people's incompetence (spelling)

Oh the irony!

You'll be paying for it

I renewed my insurance today, yet again it's gone up instead of down... hmm I wonder why? :S

I guess someone has to pay for all those insurance claims in the Glocester flooding last year

It'll probably affect most people

 

[D1CKY]

If it does go through the insurance, I hope everything is declared on your policy.
Solicitors acting for the guilty persons insurance company will explore every avenue not to payout even if their client is obviously 100% liable...

Get the BMC Removed man and even the Silicone Hoses(they may be classed as modificaton)

And hope he isn't a c**k and says painting you Turini's is a mod, as they aint the standard colour

 

[Matt Brown]

Just watch out, I know a few people who have been hit by a taix driver and the driver has then tried to turn it round to the other persons fault and tried to calim lost earnings, just watch out.

 

[ado]

Just watch out, I know a few people who have been hit by a taix driver and the driver has then tried to turn it round to the other persons fault and tried to calim lost earnings, just watch out.

Exactly what happened to me last year.

 

[Ad]

If it does go through the insurance, I hope everything is declared on your policy.
Solicitors acting for the guilty persons insurance company will explore every avenue not to payout even if their client is obviously 100% liable...

not relevent in a third party fault claim.

Wouldnt be uncommon for your own insurance comapny to ask for the addition premium for you mods, but it is not a reason for the other insurance company not to pay. Wouldnt stand up in court.

 

[fuzzi]

someone went into the back of my old mk2 ps 2 at about 15-20 mph. not even a scrath or bend inside the boot. perfect

 

[fuzzi]

btw i would have been happy either

 

[*Claire*]

Just watch out, I know a few people who have been hit by a taix driver and the driver has then tried to turn it round to the other persons fault and tried to calim lost earnings, just watch out.

Exactly what happened to me last year.

They would never get away with it, you can never be in the blame for being rear ended in the eyes of insurance apparently which makes sense I suupose....it would be very difficult to prove.

 

[Eckascliovalver]

someone went into the back of my old mk2 ps 2 at about 15-20 mph. not even a scrath or bend inside the boot. perfect

depends whats hit you tho

i have had the car looked at today by the bodyshop that the insurance has sent me to, the cup is booked in for the 1st of may


theres no point in me taking of the silicone hoses , braces, CDA etc its all been looked at and photographed now, no one is getting to see it until its fixed on the 1st

 

[geesus69]

ayup ecka, just to let you know, im an insurance assessor, and i have pics and an estimate for your car sat in front of me

anything you need to know give me a shout and i'll help you out :approve:

ps. only reason i knew it was yours was because i recognised the private plate

other than that i'll get on with putting a value on it and authorising repairs