So the 18yo daughter obviously doesn't listen to my advice regarding how to drive, as 18 year olds don't listen. Why someone looks right whilst pulling onto a roundabout I can't understand - you're proceeding, it's a bit late to be looking right luv, you need to be looking where you're going. Because the car in front has stopped, and crunch! When it comes to observance, it seems women can't multitask..

So the driver of the car in front says with his strong Indian accent 'I go to doctor, I get money!' Well there's an agreement out the window then.

It was only a tap. Anyone on here able to advise what her best course of action is..!?

Doctor will have to confirm an injury to some extent and obviously provide a doctors note as such if shes going to make a claim. Typical chancer trying to get money by the sounds of it...She probably was pulling away and then thought fuck it ima slam my brakes on.

phone the driver up (i take it you have their details) make them aware that you suspect they were trying to pull one of those crash and claim scams and that you intend to inform the police that you suspect this (dont actually call the police though, it might be enough to scare them into realising that making a false whiplash claim might not be such a bad idea) Other than that, go through the insurance, it is why we have insurance afterall. If there is no damage and no genuine injuries, their case will soon fall flat on its face.

Yeah, I bet they jumped straight out the car too?

What kind of impact was it? Does my head in people trying to get compensation, no wonder insurance is high, I hit loads of trees and was like a rag doll, was sore for about a day then fine. Yet you go into the back of someone at 5mph and they make out as though their head fell off!

I'd be in contact saying what Jon said tbh

Have they not made it so that you can't claim for whiplash under a certain mph yet? I know there was talk of it a while back

If she did just tap them and straight away they are talking about compo then its defo a bullshit claim, probably not the first they have done either if they know the drill

Doctor will have to confirm an injury to some extent and obviously provide a doctors note as such if shes going to make a claim. Typical chancer trying to get money by the sounds of it...She probably was pulling away and then thought fuck it ima slam my brakes on.

She was the car behind, some bloke hit the brake, I wasn't there. But yeah, chancer I recon. She was probably tailgating him though..

I haven't seen his car and I don't even know what it is, but her car is a 206 which is built like food packaging. The bumper's cracked, one headlamp is loose and the bonnet has a dent I could've stuffed it in deeper with one kick.

The bloke said he wants to see doctor to get money, didn't even hide the fact he was okay.

I think that's a good idea Jon, I'll tell her to tell him she's gonna phone the police and give a statement about his behaviour regarding looking st an injury claim. Ultimately though, there's damage to his vehicle, she's gotta make a claim, how much it costs the insurers Isn't really relevant.

I'll see if she can keep her car, it'll cost me sod all to fix. She's fully comp so she may get some herself..?

If you get a chance watch on 4 OD a program that went out this Monday 7/1/13 " Secrets of your car insurance" it's about the ripoff in insurance company repairs

That's the insurers problem now, they'll have to investigate if they're being ripped off by the bloke. But she's tipped them off that the damage was cosmetic and he want's to unduly claim compo. Whatever he gets won't affect her.

I'll just repair her car myself, not worth the excess for a few bits from a breakers.

This should teach her to stop this terrible habit I see of people hugging the car in front - people are out there to brake on you! Get back, stay back, and give yourself some room.

Sadly it's likely to be cheaper for her insurers to pay out on a blatantly bogus personal injury claim instead of fighting it. At least this is the stance that Adrian Flux take...

^exactly why everyone claims whiplash & we all pay bigger premiums for it :(

Unfortunately it's very hard to prove someone has or doesn't have whiplash especially if the 'victim' has seen a doctor about neck pain after an accident.

Pictures of both cars at the scene are vital to prove that only a very small amount of damage was done and maybe disprove their case, especially if the claimant causes more damage to try and exaggerate their claim.

Got the replacement parts today, headlamps/radiator/fan/housing/air con radiator but I've pulled the bonnet out and will also r-use the bumper. Both a bit of a mess but apart from a dented framework that hangs from the chassis leg that's the damage level.

Son was in the car too, he's got whiplash, he doesn't really wanna claim but then, wouldn't you..?

The problem, and it has already been mentioned by someone is that is cheaper to make a settlement for an insurance company. In most cases an insurance company will do very little to fight a claim, unless there is a 50% or more chance of liability being accepted by the third-party, and forget legal services; once again a solicitor won't touch a case they can't win, because they focus on winning cases and claiming back their fees in expenses. Then comes the doctor, that they refer you to if they think your claim is a winner, who is normally contracted to the solicitors as a private healthcare company, who specialise in personal injury. Next it goes to the physio, who specialise in transport injuries, even if they don't they generally are not going to turn down business, next thing is you are being signed up for 12 weeks of expensive specialist treatment and another appointment with a heathcare professional, who will then reacess the whole thing. Each one of these "professional" (conmen) take a referral fee, and before you know it, a 50 quid jobby to fix a bumper costs 30 grand, and sometimes more. I have seen insurance companies encourage this. It's all a con, the whole insurance industry is corrupt. Legally correct, but morally corrupted. There is plenty that could be implemented to bring down premiums and in the process stop fraudulent claims. But what do the government care, it makes a shed on IPT and it makes a great policy come election time, pfffffft! RANT OVER!

Edited 22 January, 201313 yr by Heist

Absolutely, the NHS need the pharmaceutical industry and vice versa, but that's far from the team count.

Even fights outside clubs do their bit to keep the system ticking over nicely.

Sorry about the rant there, but it annoys the hell out of me. Have you has any update within the claim at all?

If I was in you situation, I would be telling the insurance company your concerns, and if they don't listen I would tell them that you are going to the ombudsman and Fsa, because everytime a complaint goes to them the insurance company have to pay around £250, justified or not. Which should pile the pressure on. Have you reported anything to the police?

Edited 23 January, 201313 yr by Heist

It's all gone through the system. She's made a claim on her policy for his car anyway, she ran into the back of him, she can't prove he did it deliberately. She shouldn't have fallen for the trick, it's her fault legally.

A claim is a claim, him playing the insurer for compo is not her problem.

The case is her business now so i'm not really up to date, i don't know exactly what stance the police are taking with it, usual protocol for such a shunt i imagine. It's not gonna be a fraud case though, you can be sure of that.. I haven't read the statement she gave them.