Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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thats crazy lee  hope i get a decent hire car 
and mark m, funny you should say i probably have no injuries.....
went to work this morning at 6:30, done half hour of work, had a stiff neck and muscle pain in my back (i fit flywheels to engines so not an easy job by any means), spent the next 3 hours being taken to a clinic to get everything checked over and in the end our medical lady sent me home under her orders.
i have inflamed muscles in my neck and back and am very tense according to the nhs nurse. she's given me some light neck exercises to do but other than that i need to lay down and rest.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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and all this coming from a man who worked an 8 hour shift with orchitis of my right bollock, in a huge amount of pain, just hoping it'd go away...
a.k.a me, so hardly a wimp
i sincerely hope you don't get orchitis, it was absolutely awful, couldn't do anything for a few weeks, nearly lost my right bollock
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MarkM
Member
Registered: 11th Apr 01
Location: Liverpool
User status: Offline
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A reputable Insurance company will have no affiliation with an accident management company. The Insurance industry know credit hire is a serious problem as accident management companies take the piss with examples like given above. The Ministry of Justice reforms are aimed at getting rid of accident management companies and other hangers on screwing the industry. They are mostly to blame for the claims culture.
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Nath
Member
Registered: 3rd Apr 02
Location: MK
User status: Offline
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You may well be injured, but I do agree with Mark on the claims front. Every fucker claims nowadays. I was in a taxi that got reversed into at about 5mph, the taxi driver took my number as I was a witness and for weeks I got calls and texts from accident claims companies telling me I was entitled to compo.
[Edited on 22-03-2010 by Nath]
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AndyCorsaSport
Member
Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline
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quote:
Originally posted by LiVe LeE
quote:
Originally posted by MarkM
You're the reason everyone has to pay extra on insurance
no; insurance companies diddling one another is the reason that they cost so much - My A3 was shunted in the snow; needed a new back bumper, under light trim and a small paintless dent repair to the rear 1/4 panel. Certainly no more than a weeks work.
I used a claims management company as offered by my insurance company as it was a 100% fault claim against the other person. They provided me with an Alfa Romeo Spider (I had no choice as to spec of car) at a rate of £285 a day! My Audi was at the bodyshop for 6 weeks costing in the region of £11,970 for the hire car alone.
To top things off, they replaced not only the rear bumper but also the entire rear 1/4 panel was cut out and replaced. They repalced the under light trim and the nearside rear lamp (no damage to the o/e item at all) and painted the entire side of the car!
I would estimate the final bill with hire car to be £15,000 to put that in persepctive, my A3 at absoloute best is worth £3500
[Edited on 22-03-2010 by LiVe LeE]
You taking the piss? Needed a painless dent removal on the 1/4, but instead you let them fit a new 1/4 and stick it full of filler. Dont think so.
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djmattyh
Member
Registered: 20th May 08
Location: Shropshire Drives: 1.6 corsa sport
User status: Offline
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quote:
Originally posted by MarkM
A reputable Insurance company will have no affiliation with an accident management company. The Insurance industry know credit hire is a serious problem as accident management companies take the piss with examples like given above. The Ministry of Justice reforms are aimed at getting rid of accident management companies and other hangers on screwing the industry. They are mostly to blame for the claims culture.
Don't be such a pedantic cunt. so if someone hit you from behind, you wouldn't claim? you would be stupid not to if you were hurt. 
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MarkM
Member
Registered: 11th Apr 01
Location: Liverpool
User status: Offline
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quote:
Originally posted by djmattyh
quote:
Originally posted by MarkM
A reputable Insurance company will have no affiliation with an accident management company. The Insurance industry know credit hire is a serious problem as accident management companies take the piss with examples like given above. The Ministry of Justice reforms are aimed at getting rid of accident management companies and other hangers on screwing the industry. They are mostly to blame for the claims culture.
Don't be such a pedantic cunt. so if someone hit you from behind, you wouldn't claim? you would be stupid not to if you were hurt.
If I was hurt and couldn't work yes. Not for a slightly sore neck though. What annoys me is the people who say they are injured exaggerate the injury to obtain more compensation. Those who exaggerate have a medical report completed which will state a certain prognosis which far exceeds their actual injury timescale and they will know it.
If I had a sore neck for 3-4 days I'd expect compensation for that period only which doesn't amount to much. You see people exaggerating and obtaining 2k plus for the same injury.
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antnee
Member
Registered: 30th Dec 07
Location: Cov Drives: Clio 197
User status: Offline
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Mark have you ever had a bad back? Mines not accident related but its not nice at all! My bro had was hit in his first car from behind at about 50mph (he was going about 1mph) and he didn't claim/got very little yet his back is very painful quite often so much so that some times he just has to stay in bed and rest!
Although I agree with only claiming if you are genuinely hurt, but by all means use insurance company to be looked at by specialists and to get treatment to reduce the possibility of long term damage/problems
[Edited on 23-03-2010 by antnee]
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MarkM
Member
Registered: 11th Apr 01
Location: Liverpool
User status: Offline
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As I said I'd claim for the period I was genuinely injured for and no longer. Too many people see it as a gravy train now and take the piss. Perfect example above with a hire car costing 11k. Why do that when the third party's insurance company will, providing liability was admitted, give you a courtesy car to use whilst yours is off the road and won't cost anywhere near that amount. Again ambulance chasing accident management companies are to blame but society allows them to operate the was they do.
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John
Member
Registered: 30th Jun 03
User status: Offline
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quote:
Originally posted by LiVe LeE
I used a claims management company
This is what fucks everybody's insurance, thieving cunts is all they are.
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Dan
Premium Member
Registered: 22nd Apr 02
Location: Gorleston on Sea, Norfolk
User status: Offline
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quote:
Originally posted by MarkM
As I said I'd claim for the period I was genuinely injured for and no longer.
More fool you.
You as an individual are not going to change the millions of other people who claim for as much as they can get.
So the only person who will lose out is you.... your premium keeps going up and up due to excessive claims and you walk away with 50p compensation.
I know its wrong, but its how the world is, you wont change it, as the saying goes if you cant beat them, join them...
Adult GiftsClick here to vist us
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RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
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quote:
Originally posted by AndyCorsaSport
quote:
Originally posted by LiVe LeE
quote:
Originally posted by MarkM
You're the reason everyone has to pay extra on insurance
no; insurance companies diddling one another is the reason that they cost so much - My A3 was shunted in the snow; needed a new back bumper, under light trim and a small paintless dent repair to the rear 1/4 panel. Certainly no more than a weeks work.
I used a claims management company as offered by my insurance company as it was a 100% fault claim against the other person. They provided me with an Alfa Romeo Spider (I had no choice as to spec of car) at a rate of £285 a day! My Audi was at the bodyshop for 6 weeks costing in the region of £11,970 for the hire car alone.
To top things off, they replaced not only the rear bumper but also the entire rear 1/4 panel was cut out and replaced. They repalced the under light trim and the nearside rear lamp (no damage to the o/e item at all) and painted the entire side of the car!
I would estimate the final bill with hire car to be £15,000 to put that in persepctive, my A3 at absoloute best is worth £3500
[Edited on 22-03-2010 by LiVe LeE]
You taking the piss? Needed a painless dent removal on the 1/4, but instead you let them fit a new 1/4 and stick it full of filler. Dont think so.
I didn't let them, My car went into the bodyshop. I was expecting it out inside a week finished - it rolled on and on and on and ended up taking 6 weeks. I wasn't really aware of claims mangement companies before and the insurance company painted this rosey picture saying how the company would deal with the entire claim, pay and claim back any excess and I would literally do nothing.
As it turned out, I had to do a moutnain of paperwork and my car took 5 weeks longer than it should have done and they did work which IMO wasn't required. I didn't exactly have a choice in the matter when they'd already done the work!
and why would it "be stuck full of Filler"?
[Edited on 23-03-2010 by LiVe LeE]
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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mark get off your high horse and u2u me about the full story before saying things like that.
i know the people you mean. my cousin, 21 years old, got a council house, rent paid for etc, loads of benefits and he's doing cash in hand work with his dad. pisses me right off but i'll just wait 'til the benefit fraud people catch up with him...
i am genuinely injured. the medical nurse at work yesterday (i work at ford dagenham plant so it's a huge complex, not some silly first aider who went on a 1 day course) sent me home and told me i was so silly and stupid for even attempting to come into work....
i told her i wanted to show i was willing to work as i'm not the type to go off sick. i haven't had a day off sick in over 2 years, and the only other time i was off sick was when the doctor signed me off with orchitis.
nevertheless she told me to go home and rest and if i come in it's at my own risk.
i've phoned in sick today as i keep getting pains when standing up. the only way i can describe it is after playing a football match for an hour, running around constantly and feeling breathless and needing to lean on something.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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and i also havent chosen to go through a claims management company.
they did phone me and i said that they should instruct my insurer i was going to sort it through my own insurance and then they would just recover the money from the third parties insurance company.
my car will be in being repaired within the next 48 hours i'm told.
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RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
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quote:
Originally posted by MarkM
Perfect example above with a hire car costing 11k. Why do that when the third party's insurance company will, providing liability was admitted, give you a courtesy car to use whilst yours is off the road and won't cost anywhere near that amount. Again ambulance chasing accident management companies are to blame but society allows them to operate the was they do.
To be fair, I was passed onto the claims management company by my insurers; they never referred to it as a separate company - it came across as an affiliated business which dealt with claims assistance for their clients; almost as a separate department within the same company. It was only when I was passed on to another further "name" that something didn't add up by which stage my car was going into the bodyshop.
I wasn't asked what courtesy car I wanted, just offered one from the same vehicle grouping and it was left at the bodyshop for me to collect.
Had I have gone through a mainstream channel, I would have had to pay my excess and then claim it back, potentially leaving me out of pocket for months until the claim was settled. I would have ended up with a courtesy car which was totally unsuitable for my personal requirements. 500 minimum miles a week in a Ford Ka or Daihatsu Coure would simply not be suitable.
The accident was 100% the other person's fault as I was fast asleep in bed at the time when he ran into my parked car - Whilst I wasn't overly impressed with the length of time my car was in the shop; the repair is perfect; I was never out of pocket, the courtesy car suited the mileage I have to travel and aside from a fair bit of paper work the job was painless. The argument could be made that as I was 100% blameless, why should I be liable for anything in the short term and why should I have to do all of the leg work
Just to reitterate, the service wasn't offered to me as claims management but claims assitance BY my insurer! it was only at a later stage that it became obvious that it was a separate company
[Edited on 23-03-2010 by LiVe LeE]
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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they are good if you don't want to be out of pocket.
my excess is £500  but the bodyshop guy said it doesn't even look like it'll cost £500 and luckily i always have some spare cash incase anything like this ever happened.
rear bumper is split, centre brake light has smashed from the impact, some covers have fallen out, both rear fogs have came out, broken i think, and the number plate lights need replacing too.
bootfloor is fine, not sure about behind the bumper though so they will have to check.
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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quote:
Originally posted by Joe
Surely it wasn't that hard of a hit to put your neck and back out plus your mrs?
Exacally...
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Fro
Member
Registered: 20th Jun 06
Location: Rainham, Essex Drives: A3 2.0TDi Sport
User status: Offline
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Sorry to hear that Ben 
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steven_r2008
Member
Registered: 23rd May 08
Location: Nottingham
User status: Offline
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quote:
Originally posted by MarkM
quote:
Originally posted by djmattyh
quote:
Originally posted by MarkM
A reputable Insurance company will have no affiliation with an accident management company. The Insurance industry know credit hire is a serious problem as accident management companies take the piss with examples like given above. The Ministry of Justice reforms are aimed at getting rid of accident management companies and other hangers on screwing the industry. They are mostly to blame for the claims culture.
Don't be such a pedantic cunt. so if someone hit you from behind, you wouldn't claim? you would be stupid not to if you were hurt.
If I was hurt and couldn't work yes. Not for a slightly sore neck though. What annoys me is the people who say they are injured exaggerate the injury to obtain more compensation. Those who exaggerate have a medical report completed which will state a certain prognosis which far exceeds their actual injury timescale and they will know it.
If I had a sore neck for 3-4 days I'd expect compensation for that period only which doesn't amount to much. You see people exaggerating and obtaining 2k plus for the same injury.
you my friend sound like an utter twa* and sounds to me like you are bitter about other people being able to claim money you haven't had.
why shouldn't he claim, if you have read the post you will see he has been seen by many specialists (all of which more than likely, alot more qualified than you) and all of them said he shouldn't be working and it is a bit more than a 'sore neck', but no i suppose as you haven't seen him at all and obviously can't read what people have written, you must be right and he is faking. GROW UP.
you're right loads of people do claim, and i have no doubt about 70% of them are false claims, which is all the more reason to claim when you are actually injured.
also people don't say 'yes mate, i want £2k compensation', insurance companies offer an amount, and more often than not, that amount exceeds a grand. go and get a life.
and sorry to hear about your accidents mate, hope you make a speedy recovery and get WELL COMPENSATED for it 
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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cheers mate.
and for the record, when someone hit me 3 years ago (he pulled out without looking, i wasn't at fault), i got calls from loads of solicitors asking if i wanted to claim for injuries but i just ignored them as i didn't have any at the time.
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AndyCorsaSport
Member
Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline
|
quote:
Originally posted by LiVe LeE
quote:
Originally posted by AndyCorsaSport
quote:
Originally posted by LiVe LeE
quote:
Originally posted by MarkM
You're the reason everyone has to pay extra on insurance
no; insurance companies diddling one another is the reason that they cost so much - My A3 was shunted in the snow; needed a new back bumper, under light trim and a small paintless dent repair to the rear 1/4 panel. Certainly no more than a weeks work.
I used a claims management company as offered by my insurance company as it was a 100% fault claim against the other person. They provided me with an Alfa Romeo Spider (I had no choice as to spec of car) at a rate of £285 a day! My Audi was at the bodyshop for 6 weeks costing in the region of £11,970 for the hire car alone.
To top things off, they replaced not only the rear bumper but also the entire rear 1/4 panel was cut out and replaced. They repalced the under light trim and the nearside rear lamp (no damage to the o/e item at all) and painted the entire side of the car!
I would estimate the final bill with hire car to be £15,000 to put that in persepctive, my A3 at absoloute best is worth £3500
[Edited on 22-03-2010 by LiVe LeE]
You taking the piss? Needed a painless dent removal on the 1/4, but instead you let them fit a new 1/4 and stick it full of filler. Dont think so.
I didn't let them, My car went into the bodyshop. I was expecting it out inside a week finished - it rolled on and on and on and ended up taking 6 weeks. I wasn't really aware of claims mangement companies before and the insurance company painted this rosey picture saying how the company would deal with the entire claim, pay and claim back any excess and I would literally do nothing.
As it turned out, I had to do a moutnain of paperwork and my car took 5 weeks longer than it should have done and they did work which IMO wasn't required. I didn't exactly have a choice in the matter when they'd already done the work!
and why would it "be stuck full of Filler"?
[Edited on 23-03-2010 by LiVe LeE]
Because replacing a 1/4 panel invovles chopping the old panel off, welding the new panel on, grinding down the welds, and filling over them. 
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Chris x
Member
Registered: 11th Sep 08
Location: Bexhill
User status: Offline
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quote:
Originally posted by AndyCorsaSport
quote:
Originally posted by LiVe LeE
quote:
Originally posted by AndyCorsaSport
quote:
Originally posted by LiVe LeE
quote:
Originally posted by MarkM
You're the reason everyone has to pay extra on insurance
no; insurance companies diddling one another is the reason that they cost so much - My A3 was shunted in the snow; needed a new back bumper, under light trim and a small paintless dent repair to the rear 1/4 panel. Certainly no more than a weeks work.
I used a claims management company as offered by my insurance company as it was a 100% fault claim against the other person. They provided me with an Alfa Romeo Spider (I had no choice as to spec of car) at a rate of £285 a day! My Audi was at the bodyshop for 6 weeks costing in the region of £11,970 for the hire car alone.
To top things off, they replaced not only the rear bumper but also the entire rear 1/4 panel was cut out and replaced. They repalced the under light trim and the nearside rear lamp (no damage to the o/e item at all) and painted the entire side of the car!
I would estimate the final bill with hire car to be £15,000 to put that in persepctive, my A3 at absoloute best is worth £3500
[Edited on 22-03-2010 by LiVe LeE]
You taking the piss? Needed a painless dent removal on the 1/4, but instead you let them fit a new 1/4 and stick it full of filler. Dont think so.
I didn't let them, My car went into the bodyshop. I was expecting it out inside a week finished - it rolled on and on and on and ended up taking 6 weeks. I wasn't really aware of claims mangement companies before and the insurance company painted this rosey picture saying how the company would deal with the entire claim, pay and claim back any excess and I would literally do nothing.
As it turned out, I had to do a moutnain of paperwork and my car took 5 weeks longer than it should have done and they did work which IMO wasn't required. I didn't exactly have a choice in the matter when they'd already done the work!
and why would it "be stuck full of Filler"?
[Edited on 23-03-2010 by LiVe LeE]
Because replacing a 1/4 panel invovles chopping the old panel off, welding the new panel on, grinding down the welds, and filling over them.
Wouldnt that be done anyway then when the car was made?
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AndyCorsaSport
Member
Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline
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quote:
Originally posted by Chris x
quote:
Originally posted by AndyCorsaSport
quote:
Originally posted by LiVe LeE
quote:
Originally posted by AndyCorsaSport
quote:
Originally posted by LiVe LeE
quote:
Originally posted by MarkM
You're the reason everyone has to pay extra on insurance
no; insurance companies diddling one another is the reason that they cost so much - My A3 was shunted in the snow; needed a new back bumper, under light trim and a small paintless dent repair to the rear 1/4 panel. Certainly no more than a weeks work.
I used a claims management company as offered by my insurance company as it was a 100% fault claim against the other person. They provided me with an Alfa Romeo Spider (I had no choice as to spec of car) at a rate of £285 a day! My Audi was at the bodyshop for 6 weeks costing in the region of £11,970 for the hire car alone.
To top things off, they replaced not only the rear bumper but also the entire rear 1/4 panel was cut out and replaced. They repalced the under light trim and the nearside rear lamp (no damage to the o/e item at all) and painted the entire side of the car!
I would estimate the final bill with hire car to be £15,000 to put that in persepctive, my A3 at absoloute best is worth £3500
[Edited on 22-03-2010 by LiVe LeE]
You taking the piss? Needed a painless dent removal on the 1/4, but instead you let them fit a new 1/4 and stick it full of filler. Dont think so.
I didn't let them, My car went into the bodyshop. I was expecting it out inside a week finished - it rolled on and on and on and ended up taking 6 weeks. I wasn't really aware of claims mangement companies before and the insurance company painted this rosey picture saying how the company would deal with the entire claim, pay and claim back any excess and I would literally do nothing.
As it turned out, I had to do a moutnain of paperwork and my car took 5 weeks longer than it should have done and they did work which IMO wasn't required. I didn't exactly have a choice in the matter when they'd already done the work!
and why would it "be stuck full of Filler"?
[Edited on 23-03-2010 by LiVe LeE]
Because replacing a 1/4 panel invovles chopping the old panel off, welding the new panel on, grinding down the welds, and filling over them.
Wouldnt that be done anyway then when the car was made?
Not when its made no, just all metal spot welded together for panels mainly. But to replace a 1/4 you have to cut through the panel it's self, like where the window would go, and the sill etc, and mig up the joints after, hard to explain really
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Pop
Member
Registered: 8th May 03
Location: Reading
User status: Offline
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quote:
Originally posted by AndyCorsaSport
Pfft wimp.
Me and the girlfriend were hit by a car a few week back, we doing about 40, other car around 70. In the gf's car, bent her axle, broke bumper, destoyed wheel and tyre, and the driver didnt stop. Stop moaning, you got details.
The other car was doing 70, did all that damage to your car and was in a state to drive off with out you getting any details?! I smell it. 
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Fro
Member
Registered: 20th Jun 06
Location: Rainham, Essex Drives: A3 2.0TDi Sport
User status: Offline
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quote:
Originally posted by Ben G
cheers mate.
and for the record, when someone hit me 3 years ago (he pulled out without looking, i wasn't at fault), i got calls from loads of solicitors asking if i wanted to claim for injuries but i just ignored them as i didn't have any at the time.
Was that one that long ago Man i remember driving past you just after like it was yesterday
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