nathy_87
Member
Registered: 14th Aug 08
Location: West Mids. Drives: Škoda Fabia VRS 5J
User status: Offline
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Hi guys this girl I've been seeing has just text me saying she has been in an accident and is now saying that her neck hurts. She was stationary at traffic lights and a brand new Bmw hit her from behind doing 30mph. She wants something to be done about her neck like make a claim but does it mean getting insurance involved!
cheers
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loubielou
Member
Registered: 14th Jan 07
Location: North Finchley, Greater London
User status: Offline
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well i dont think you can make a claim without going through insurnace
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johnhara1
Member
Registered: 19th Oct 06
Location: Newcastle upon Tyne
User status: Offline
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You cant make a whiplash claim without informing the insurance....who do you think gets the bill at the end? 
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ryzer
Member
Registered: 18th Mar 03
Location: Berkshire Drives:UGLY MUG
User status: Offline
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smashed her back doors in?
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_Allan_
Member
Registered: 24th Mar 04
User status: Offline
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Who was in the accident her or you?
Yeah just send the bill for the claim to the other party. I'm sure they'll pay up.
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nathy_87
Member
Registered: 14th Aug 08
Location: West Mids. Drives: Škoda Fabia VRS 5J
User status: Offline
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She was allan
ryzer I choked on my drink then you badger
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johnhara1
Member
Registered: 19th Oct 06
Location: Newcastle upon Tyne
User status: Offline
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If a brand new BMW went into the back of you at 30mph would your car not be smashed to fook?
Are you contemplating dealing with this outside of insurance?
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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easily get a whiplash claim out of that. that's nt milking it at all, that would hurt like fuck.
between 1500-2000 for something like that according to the lawyers who phoned me up.
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nick_sri
Member
Registered: 5th May 09
Location: Crewe , Cheshire
User status: Offline
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im currently claiming for whiplash without going through my insurance.
used a 3rd party company that deal with everything, car hire , repiaring the car , they put me through to there soliciter and took it from there.
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John
Member
Registered: 30th Jun 03
User status: Offline
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Why do that instead of going via the other persons insurance?
All that's doing is giving somebody else a massive cut with an extortionate hire car, which just puts everybodys insurance up.
If you went via the 3rd party's insurance you'd have got exactly the same 
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johnhara1
Member
Registered: 19th Oct 06
Location: Newcastle upon Tyne
User status: Offline
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quote:
Originally posted by John
Why do that instead of going via the other persons insurance?
All that's doing is giving somebody else a massive cut with an extortionate hire car, which just puts everybodys insurance up.
If you went via the 3rd party's insurance you'd have got exactly the same
When you make a claim, you have to pay your excess. Then it gets refunded back to you but it can take months!
With a 3rd Party company, you pay nothing.
This is the only reason i did it when someone reversed into me at a petrol station.
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nathy_87
Member
Registered: 14th Aug 08
Location: West Mids. Drives: Škoda Fabia VRS 5J
User status: Offline
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Yeah going around insurance if we can,
Nick sri, can you u2u me who you contacted please mate.
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John
Member
Registered: 30th Jun 03
User status: Offline
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You don't pay anything if you go through the other persons insurance and nowhere near your own.
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John
Member
Registered: 30th Jun 03
User status: Offline
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Why go around insurance nathy, all these conmen companies will do is charge that much that the other driver has to go through insurance, bringing us back to my first point.
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johnhara1
Member
Registered: 19th Oct 06
Location: Newcastle upon Tyne
User status: Offline
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quote:
Originally posted by John
You don't pay anything if you go through the other persons insurance and nowhere near your own.
In my experiance this is not the case.
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oceansoul
Member
Registered: 19th Jun 06
Location: Sunbury, Surrey
User status: Offline
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why do u want to go around your/3 parties insurance. Jus seams silly
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John
Member
Registered: 30th Jun 03
User status: Offline
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You must have went to your own insurance then.
If the 3rd party is at fault, which I'm assuming they must be for these companies or they wouldn't take it on, the 3rd party insurance will cover it.
Why would you pay an excess when somebody else has admitted fault anyway and their insurance is dealing with it.
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Adam_B
Member
Registered: 13th Dec 00
Location: Lancashire
User status: Offline
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If its someone elses fault you shouldnt be paying anything, why would you?
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nick_sri
Member
Registered: 5th May 09
Location: Crewe , Cheshire
User status: Offline
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quote:
Originally posted by John
You don't pay anything if you go through the other persons insurance and nowhere near your own.
i went to a 3rd party insurer because , my car would of been catorgised and also my premium would have gone up when renewal time came . i didnt originaly plan to use the 3rd party but i took it straight to a bodyshop who happened to be one that worked with this company. and it all went from there . also i didnt have courtesey car cover on my insurance so if i hadnt gone through with them i would of been car-less.
even though your insurance is not involved they need to be informed (well direct line did). its part of the terms and conditions. i didnt inform my insurance till about 2 -3 weeks after i crashed and they were fine about it.
[Edited on 06-08-2009 by nick_sri]
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John
Member
Registered: 30th Jun 03
User status: Offline
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So your insurance know anyway, yet you've still brought in a 3rd party, who just put stupid costs on in the middle.
Instead of informing your insurance then going via the insurance company of the person who hit you, who would have done exactly the same but not stuck on extra costs in the middle.
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whitter45
Member
Registered: 15th Nov 02
Location: Norton
User status: Offline
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tell her to get fucked with false calims
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nick_sri
Member
Registered: 5th May 09
Location: Crewe , Cheshire
User status: Offline
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quote:
Originally posted by John
So your insurance know anyway, yet you've still brought in a 3rd party, who just put stupid costs on in the middle.
Instead of informing your insurance then going via the insurance company of the person who hit you, who would have done exactly the same but not stuck on extra costs in the middle.
i asked the company i went through and the only way they make money is from the courtesey cars , they dont just add money on top . they also get a commision if i go through the soliciter they recommend .
it saved me alot of trouble as all i had to do was sign a few pieces of paper . why should i incur any extra costs such as increased premiums and go without a car when my accident was not my fault.
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John
Member
Registered: 30th Jun 03
User status: Offline
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You're not getting me.
You would have got EXACTLY the same by going straight to the insurance of the guy that hit you.
You'll also have exactly the same increased premiums because you've notified your insurance, meaning you'll have to put don in future you've been involved in a crash.
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nick_sri
Member
Registered: 5th May 09
Location: Crewe , Cheshire
User status: Offline
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my premiums wont increase , i think its because they havnt had to outlay any costs , i was told by the 3rd party company i didnt have to inform them , but i did anyway just to cover my tracks. if i hadnt told them they wouldnt of ever known anyway , because the guy who crashed into me, his insurance deals with them instead of my insurance company.
[Edited on 06-08-2009 by nick_sri]
[Edited on 06-08-2009 by nick_sri]
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John
Member
Registered: 30th Jun 03
User status: Offline
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You've been conned tbh.
You wouldn't have had to outlay any costs if you went via the other cars insurance company and your insurance would never have known either unless you told them.
This 3rd party company does absolutely nothing, then takes a fee for it.
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