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Car bump

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Bit of advice. Missus had her car bumped into this morning. She was turning right, indicating correctly etc when someone rammed her from behind (no silly comments please)!! no major damage except p… Read More
lanc_red Avatar
7y, 6m agoPosted 7 years, 6 months ago
Bit of advice.

Missus had her car bumped into this morning. She was turning right, indicating correctly etc when someone rammed her from behind (no silly comments please)!! no major damage except paintwork is a mess & the 'rammer' has cracked the bumper.

She did the right thing by getting his details etc, making note of location, time & taking pics. Now the 'rammer' didnt know his insurance company and didnt want to go thru insurance. He said to get some quotes then he would pay for the damage.

Now the missus has gone back home & says that her neck is genuinely sore. I say genuinely as I know people who have claimed whiplash for nothing.

Now my question is should she ring her her insurance company to start the ball rolling or should it be the other party? Never been in this situ before. How does she potentially claim for the injury?

Advice appreciated......
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lanc_red Avatar
7y, 6m agoPosted 7 years, 6 months ago
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#1
She needs to visit casualty first and foremost, worry about your claim later :thumbsup:
#2
Genuine whiplash doesn't usually happen for 24-48 hrs after the accident.
#3
If she has his reg then they will be able to get his details... she'll need to go to the docs/hospical though
#4
queenlush
Genuine whiplash doesn't usually happen for 24-48 hrs after the accident.


must be something else then. i'll get her to see the quacks later today if she can.
#5
You can't claim for whiplash if you don't make a claim. If you want to claim for the whiplash you need to claim the guy hit you from behind. Guys trying to avoid that if it was a big bump.
#6
DEFFINITELY call them and do it now
If you don't call within a certain period you lose your opportunity to claim with some companies
#7
This happened to my oh last night where he skidded into the other person due to the weather. He is insured etc but she only has a small dent in her bumper and it is daft to go through insurance. I personally think all this claiming for sore necks is daft and really annoys me. I would pop to dr's in case it gets worse but just hang fire for now. What amazes me is that it never seems to be the offending driver who gets a bad neck...
I also thought that whiplash doesn't start for 24 - 48 hours
#8
Tell her to phone her insurers straight away giving them full details of the other car/driver. They will be able to tell her quickly if he's insured or not (well, they did when the same thing happened to me anyway). I just did everything through my insurers despite the other driver offering to pay - my insurers said that the guy could settle with them if he wanted to.
#9
wookiemummy
This happened to my oh last night where he skidded into the other person due to the weather. He is insured etc but she only has a small dent in her bumper and it is daft to go through insurance. I personally think all this claiming for sore necks is daft and really annoys me. I would pop to dr's in case it gets worse but just hang fire for now. What amazes me is that it never seems to be the offending driver who gets a bad neck...


Thats due to the phyiscs of the crash surely.

Depends how the neck jolted, could have implications down the line. Not nice to be on the receiving end of crash.

Though I can sympothise.
#10
Taking it in the rear can result in more than a sore neck :whistling:
#11
But as stated above...get to the docs first ;-)

Whiplash can manifest itself in many different ways and at any time. It can be immediet or delayed. Shock & adrenalin can also delay you feeling some immdeite injuries until later. Best get it checked.
#12
transit
Taking it in the rear can result in more than a sore neck :whistling:


Ooooh errrr :w00t:
#13
wookiemummy
This happened to my oh last night where he skidded into the other person due to the weather. He is insured etc but she only has a small dent in her bumper and it is daft to go through insurance. I personally think all this claiming for sore necks is daft and really annoys me. I would pop to dr's in case it gets worse but just hang fire for now. What amazes me is that it never seems to be the offending driver who gets a bad neck...
I also thought that whiplash doesn't start for 24 - 48 hours


the driver can see himself hitting the car wookie, therefore bracing for inpact,

the passenger hit from behind wouldn't have a clue, hence the injuries to the victims are always worse, as they can't see it coming...
#14
cheers for advice peeps. just spoke to her. she feels ok, but as you lot have said she may develop it later on.
#15
lanc_red
cheers for advice peeps. just spoke to her. she feels ok, but as you lot have said she may develop it later on.


Another thought is the damage to the car maybe superficial now, but it could develop problems on the back suspension depending in what state the car was in motion or breaking etc later on my friend got hit from behind and it only looked like a dint but later on found the suspension on one piece of the back right wheel had snapped due to the quick action caused on the crash.
#16
Don't forget to report it to your local police, just for the insurance company.
#17
Smells fishy (no not your missus!!!:oops:). Always go through insurance. What tends to happen is the other party will keep stalling you by not answering phone calls etc. then he won't have enough money and won't think it'll cost that much. Then he won't get paid 'til next week, then you won't hear from him for a little while. When you then contact your insurance company, they won't want to know as you have a time limit to report the incident. The damage may look superficial but the main damage will be behind the plastic bumper cover (the main bumper beam that absorbs the impact is hidden behind the cover & will be bent). For the other party to have rammed your missus would suggest he wasn't paying attention to his driving - usually due to no insurance or no driving licence. Get your missus seen to by a doctor NOW, then phone yor insurance company to deal with the claim. [SIZE=5]Do not make any contact with the other driver. Let the insurance company deal with it.[/SIZE]
#18
jasonodell
the driver can see himself hitting the car wookie, therefore bracing for inpact,

the passenger hit from behind wouldn't have a clue, hence the injuries to the victims are always worse, as they can't see it coming...


Surely not always?

But good point, However it's easier to be a victim than the offender when it comes to an easy compo claim, Can't sleep, Have nightmares and panic attacks etc..

I have sympathy for genuine victims, However all this sue sue sue attitude is just wrong wrong wrong.

Accidents happen, Unfortunately.

You can check if their insured here http://www.askmid.com/ownvehicle/

It's not 100% either way, However it might help the op decide whether he wants to pursue the claim on insurance.

If their not insured then report them to the police etc..
#19
The Therapist
Smells fishy (no not your missus!!!:oops:). Always go through insurance. What tends to happen is the other party will keep stalling you by not answering phone calls etc. then he won't have enough money and won't think it'll cost that much. Then he won't get paid 'til next week, then you won't hear from him for a little while. When you then contact your insurance company, they won't want to know as you have a time limit to report the incident. The damage may look superficial but the main damage will be behind the plastic bumper cover (the main bumper beam that absorbs the impact is hidden behind the cover & will be bent). For the other party to have rammed your missus would suggest he wasn't paying attention to his driving - usually due to no insurance or no driving licence. Get your missus seen to by a doctor NOW, then phone yor insurance company to deal with the claim. [SIZE=5]Do not make any contact with the other driver. Let the insurance company deal with it.[/SIZE]


good & funny reply!! between me n the missus we slightly smell a rat. the scenarios you mentioned are exactly wht ive have just thought & discussed with the other half. as mentioned before she seems to feel Ok now. she calling her insurance company later when she has 5 mins.

cheers for advice again much appreciated. enjoy the snow!!
#20
Inform your insurance company ASAP, if your wife is injured and does not inform the insurance company she will not be able to claim.
most policies state you must inform them if you are involved in an accident regardless of blame, failure to do this could possibly void the policy.
On another point, what if the other party informs his insurance company (even though he says he won't) but your wife doesn't, what do you think your insurance company is going to think/do?
#21
Making a claim for the whiplash isn't going to make your wife's neck any better.. and could just prolong what should be a simple accident claim.. same thing happened to my son back in November.. he was uninjured and his car was as good as new within 10 days.. and being a case of being shunted from the back and no argument of who was to blame there wasn't even any excess to pay. Not a good start to the new year for your wife though. let's hope it gets better from here on.
#22
Absolutely always ring the insurance even if you don't intend to make a claim. I didn't once, as the rammer in my case said exactly the same. I got loads of quotes, then he changed his mind, I rang the insurers and obviously they wanted to know why I hadn't let them know previously. Made a right mess of things, and the rammer ended up saying he knew of no accident whatsoever. Just let them know, in case it all goes pear shaped. Won't make a difference to the NCD unless you actually cause them an expense by having work done. Make it clear to them NOT to do any work until they;ve had authority from the rammer's insurance.
#23
for the record. the other half IS ringing the insurance & letting them deal with the whole thing.
#24
Captain Hook
Making a claim for the whiplash isn't going to make your wife's neck any better.



No, but the money does come in handy.
#25
lanc_red
for the record. the other half IS ringing the insurance & letting them deal with the whole thing.


But what if he is not insured, won't you lose out.
#26
scoff
But what if he is not insured, won't you lose out.


Only if you actually make a claim, and don't have the legal protection or whatever it is that covers uninsured drivers. You really should report the accident, whether or not you intend to claim. What if the other driver claims it was your fault? The fact you stayed quiet won't help your cause.
#27
scoff;7434851
But what if he is not insured, won't you lose out.

Insured drivers contribute to the MIB from our premiums towards to uninsured in such a case >CLICK<
and here:
http://www.mib.org.uk/NR/rdonlyres/F9B19A3D-6371-4EDA-840F-1FCC6B63303F/546/MIBA5OnlineBookletJune07FInalassinglepages.pdf

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