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Hey FF,

 

Need some advice on insurance claims etc..

 

I got rear-ended in my car today, I was stationary and he must have been going about 20 mph. My car is shitty Fiat hatch back, his is SMART car, bit of damage on both sides, not enough to make vehicles roadworthy, he admitted blame, I took photos of damage, insurance dealing with.

 

But.. within an hour my neck started getting painful, back is achey and I got a cracking headache. Few beers have calmed me down.

 

Not gonna go to hospital like someone said, 5 hours in A+E versus just sleeping on it and re-assessing tomorrow. Can't risk time off work either.

 

Insurance company are asking about whiplash and I'm thinking, hmmm! well i AM sore and IF this gets worse it won't be cool.

 

Is there anything I can do now so IF, god forbid, i have whiplash and have to make a claim, make sure i have all the paperwork and such. Anyone got experience in this sort of thing?

 

Ta in advance.

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You need to have the whiplash medically confirmed. In most cases it's a hospital visit where you get to wait for the aforementioned 5 hours and contract MRSA for your pleasure. I don't know if going to your GP is enough for the insurers to accept it as a whiplash injury. Certainly you cannot claim for whiplash if there are no medical records to back it up. Speaking to your insurers again would be advisable.

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Take a walk around huyton village. You'll get plenty of advice around there from the locals who always seem to have about 5 claims on the go and wear neck braces during the day but some how seem to recover at nights in the pub.

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You need to have the whiplash medically confirmed. In most cases it's a hospital visit where you get to wait for the aforementioned 5 hours and contract MRSA for your pleasure. I don't know if going to your GP is enough for the insurers to accept it as a whiplash injury. Certainly you cannot claim for whiplash if there are no medical records to back it up. Speaking to your insurers again would be advisable.

 

cheers, I'll wait til tomorrow and see how i feel.

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Take a walk around huyton village. You'll get plenty of advice around there from the locals who always seem to have about 5 claims on the go and wear neck braces during the day but some how seem to recover at nights in the pub.

 

yeah, i know what you mean. after it happened, cleared my head and got out, i thought about how much the ambulance and poilce get called out to some scal whose had a tiny shunt and catches on, faking it til an ambulance comes and sticks them in a neck-table etc

 

if i'm gonna spend the next few weeks in pain i may as well slap it on the insurance claim since i'm not losing any sleep that my Fiat Cunto is no longer pristine

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Can I say I was in the car?

 

Ta in advance.

 

Mate, I was on the edge of runcorn. I went to speak the other guy and when I got back there were three fuckers holding their necks and climbing into the back. had to chase them off with the tyre iron.

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I handled a disputed compensation claim for whiplash once.The specialist's report noted that the claimant had complained of vertigo and dizziness when walking down long flights of stairs or escalators.For that reason he assessed the claim as genuine as he said very few fraudsters would know of this symptom.

Just sayin' like...

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Mate, I was on the edge of runcorn. I went to speak the other guy and when I got back there were three fuckers holding their necks and climbing into the back. had to chase them off with the tyre iron.

 

Don't forget your little brother la...

 

*rubs neck* Oh the burn, it's so deep. I can hardly lift my neck because of the whiplash

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My son got hit on a driving lesson round this time last year. Sounds very similar. He complained of neck pain so I took him to A&E. Got a bit worse later in week. His instructor put a claim in. Got settled almost instantly - £1500.

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If you have hurt yourself, you need to visit a doctor and explain the symptoms to him, he will then explain the treatment required. When you come to put a claim in, the solicitor will send you for a medical and they will bring up your doctors notes. They do a report and send it to your solicitor.

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Hey FF,

 

Need some advice on insurance claims etc..

 

I got rear-ended in my car today, I was stationary and he must have been going about 20 mph. My car is shitty Fiat hatch back, his is SMART car, bit of damage on both sides, not enough to make vehicles roadworthy, he admitted blame, I took photos of damage, insurance dealing with.

 

But.. within an hour my neck started getting painful, back is achey and I got a cracking headache. Few beers have calmed me down.

 

Not gonna go to hospital like someone said, 5 hours in A+E versus just sleeping on it and re-assessing tomorrow. Can't risk time off work either.

 

Insurance company are asking about whiplash and I'm thinking, hmmm! well i AM sore and IF this gets worse it won't be cool.

 

Is there anything I can do now so IF, god forbid, i have whiplash and have to make a claim, make sure i have all the paperwork and such. Anyone got experience in this sort of thing?

 

Ta in advance.

 

For that reason alone i'm going to be of no assistance with my post. FF indeed.

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A visit to the doctor within a few days is enough. Your solicitor (appointed by insurer) will likely send you to see a specialist, but this will likely be some time after the incident. Provided your report is reasonably credible you can expect around £1250, in addition to car damage etc.

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A visit to the doctor within a few days is enough. Your solicitor (appointed by insurer) will likely send you to see a specialist, but this will likely be some time after the incident. Provided your report is reasonably credible you can expect around £1250, in addition to car damage etc.

 

The third party insurers may also make a pre-medical offer and if so i would suggest not settling for less than £1500.

 

General rule of thumb is approx £1750 for a 6 month whiplash injury and £2750 for 12 months with supporting medical evidence.

 

I should know as i work for an insurer dealing with bodily injury claims

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The third party insurers may also make a pre-medical offer and if so i would suggest not settling for less than £1500.

 

General rule of thumb is approx £1750 for a 6 month whiplash injury and £2750 for 12 months with supporting medical evidence.

 

I should know as i work for an insurer dealing with bodily injury claims

 

Dunc, you've suffered whiplash many a time on a Thursday night watching me go up and down the wing.

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The third party insurers may also make a pre-medical offer and if so i would suggest not settling for less than £1500.

 

General rule of thumb is approx £1750 for a 6 month whiplash injury and £2750 for 12 months with supporting medical evidence.I should know as i work for an insurer dealing with bodily injury claims

 

Correct - the main thing is to see your gp just to cover your back. If the pain isnt that bad take pre med offers bear in mind that if you use a sol a med report willcost between £200&£400 so get them to factor this in any offer - dealing with claims for a living I would simply say if you are badly hurt get all the medical advice & treatment possible if your not so bad get the holiday brochures out and haggle!

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LadyD was rear ended (ooer) by a white van yesterday. Went to the doctors who advised whiplash. She's walking round like Herman Munster and think she's in a bit of shock. Thank God she is ok though and ToddleD had just been dropped off at school.

 

Our car is fine according to my neighbour mechanic whose just looked at it for me.  It's old as fuck and doesn't have fancy Dan things like crumple zones but the front of the van apparently looked a mess. 

 

Considering the customary whiplash claim but wondering if declaration of an accident will effect our car insurance as she had a long no claims discount as well? 

Any companies or advice anyone can recommend? 

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You should probably inform the insurance company regardless of the claim, the van's firm will be so chances are they will know (assuming details were exchanged?).  You will probably have to be vigilant when your next renewal comes around but the NCD should be intact as long as there isn't a claim on your policy.  Take a look at your docs and see if you've agreed to inform them.  It could affect future claims, plus without your side of the story they could try and make a claim against your policy (although you should be informed if this happens, giving you a chance to contest).

 

I doubt without an insurance report there'd be much chance of an injury claim, but could be wrong.  Personally it should come down to how much of a personal and professional impact the accident will have had.  It's obviously genuine and has her in a state of shock so those aspects might not be clear quite yet.

 

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