Help with Claiming on Car Insurance with Personal Injury - HotUKDeals
We use cookie files to improve site functionality and personalisation. By continuing to use HotUKDeals, you accept our cookie and privacy policy.
Get the HotUKDeals app free at Google Play

Search Error

An error occurred when searching, please try again!

Login / Sign UpSubmit

Help with Claiming on Car Insurance with Personal Injury

£0.00 @
Yesterday my wife was waiting to turn right when a large lorry went straight in the back of her wiping out the entire rear of her car. Police and ambulance came to the scene and they checked her… Read More
dave_lunt2 Avatar
8y, 1m agoPosted 8 years, 1 month ago
Yesterday my wife was waiting to turn right when a large lorry went straight in the back of her wiping out the entire rear of her car.

Police and ambulance came to the scene and they checked her out and advised her to go to hospital to be checked out properly as the car had taken a serious whack. Her neck and head was really painful and is worse today.

I took her to hospital and they checked her out and gave her painkillers.

Do you think we could claim on the insurance for personal injury/whiplash? we have legal cover with our insurance. what will they require from us as the hospital gave us no note with what has happened but it will be on their system.

We are not looking to claim for the sake of it, she is in considerable pain and it was entirely the faulty of the driver of the lorry.
dave_lunt2 Avatar
8y, 1m agoPosted 8 years, 1 month ago
Options

All Comments

(17) Jump to unreadPost a comment
Comments/page:
#1
well sorry to hear about that but personally i would claim for all you can there is too many people out there that do claim for nothing, you are entitled to it so claim it also claim your loss of earnings as i am sure she wont be in work for a while.
#2
greyparrot
well sorry to hear about that but personally i would claim for all you can there is too many people out there that do claim for nothing, you are entitled to it so claim it also claim your loss of earnings as i am sure she wont be in work for a while.


thank you, we don't wan't to just claim for the sake of it, but you do hear people claiming for everything these days. She is a school teacher so hopefully won't be off too long.
#3
100% agree with the above.

Hope your wife feels better soon x
#4
what information do we give to the insurers regarding the injury? will they just contact hospital for details/proof of injury?
#5
youre claim will depend on different factors. these include the length off time you are suffering. if you have to take time off work etc. if you put in a big claim you will have to go for a medical. if you are claiming, keep a record off all the visits you have to make to the doctors, hospitals. dont rely on them to keep the info. you will have to attend medicals arranged by third part solicitors if you have a big claim.

I made a claim a few years ago. recieved £300 as an out off court settlement due to whiplash. i just had to complete a short form and it was classes as a small claim.
#6
Agreed, sorry to hear what happened.

Yes you would be entitled.

Good luck.
#7
leecroot
youre claim will depend on different factors. these include the length off time you are suffering. if you have to take time off work etc. if you put in a big claim you will have to go for a medical. if you are claiming, keep a record off all the visits you have to make to the doctors, hospitals. dont rely on them to keep the info. you will have to attend medicals arranged by third part solicitors if you have a big claim.

I made a claim a few years ago. recieved £300 as an out off court settlement due to whiplash. i just had to complete a short form and it was classes as a small claim.


thanks for the advice, every little helps I guess as we'll in no way get the true value of the car. It was worth far more to us than we'll ever get for it. It had low mileage and was a great little runaround. Peugeot 106!
[helper]#8
Your insurance company (the one named on your policy - not your broker) will give you details how to claim - however just be careful the brokers don't refer you to one of these "no win no fee" companies - the brokers get a referral fee.
#9
dave_lunt2
what information do we give to the insurers regarding the injury? will they just contact hospital for details/proof of injury?


they will get the info off her medical notes she will also have to go to a specialist to check her out the insurance sets that so they can see how she is and that is pretty much it. i once claimed for whiplash a good 6 years ago now i was in my mums car when a car pulled straight across us to go down a road and totally written off her car i was in a bad way as all the glove compartment fell in i also put my foot up to try and protect myself and ended up with a massive lump on my head(dont ask me why i did that stupid i know) anyway i got £1500 about 6 months later really annoys me though it could of been much worse coz i found out i was pregnant a couple of weeks later.
#10
sorry to hear about your wife
i would claim if i was you thats what we pay insurance for to help us when we need it.
your insurance company will tell you the best steps to take
good luck and hope your wife gets better soon
#11
thanks for help guys this is the car after

http://i444.photobucket.com/albums/qq165/dave_lunt2/picture.jpg
#12
dave_lunt2
thanks for help guys this is the car after

http://i444.photobucket.com/albums/qq165/dave_lunt2/picture.jpg


holy peanuts, claim for all you can like others have said thats why you pay insurance.
#13
dave_lunt2
thanks for help guys this is the car after

http://i444.photobucket.com/albums/qq165/dave_lunt2/picture.jpg


Ouch, scary! Some drivers!!!!!!!! :x Really annoys me as I drive with kids in the back and god knows what would have happened to them if that had have been me :x:x:x

I do hope your wife is ok and get on the phone to the insurance company now and see what steps you need to take, try to get as much documentation as possible as we all know Insurance companies dont like to pay out!

Good luck and all the best :)
#14
a car pulled out of a side road into my car last october & i got whiplash :-( i did go to the hospital too and was given some pain killers which i told the insurance company. claim is still going through at the moment but i did have to go to an independent doctor supplied by my insurance company for assessment & am awaiting physio on my left shoulder ( it doesn't hurt anymore but still don't have full movement in my left arm as i can't reach behind my back as i can with my right arm)
#15
There's some good news n some bad news!

Good news is YES you can (and SHOULD) claim for the whiplash.
That is why you have legal cover on your insurance policy.

The bad news is no, you won't get anything near what your car is worth (unless you get very lucky!!).

A kind lady wrote my scooby off in 2007 and admitted it was all her fault.

The police nor ambulance were called but my mate took me to the hospital.

My insurance company initially offered me 1100 for my car, which was worth at LEAST 3500!!!
I told them what i thought of them n then they offered me 1400 and basically told me that if i didn't like it, i had to take them to the ombudsman!!
Obviously this was far too much time and effort for me so i just had to take the money (which they knew i'd do, that's why they did it!!).

On the plus side ... after waiting over a year, i got a payout of just under 2500 which was compensation for the whiplash injury i sustained in the accident and for compensation of petrol taking me to and from the hospital and also for my girlfriend and my mum coming in and helping me with the household chores i couldn't do because of my injury :)
You'll also have loss of earnings on top of it (i didn't as wasn't working at the time as had been made redundant).

Make note of every single detail because they'll ask you for it, even include the car park ticket from the hospital.
Why should YOU be out of pocket when it wasn't your fault!!!!

It'll take some time and effort but you'll get a payout for it and it'll be worth it in the long run.
Just be prepared to wait ......... :)

GOOD LUCK!

P.S As has been said, she will have to go to an independant specialist who will assess her injuries and ask her some questions.
Also i had 3 months of physio, going once a week.
Hope this helps :)
#16
magough
There's some good news n some bad news!

Good news is YES you can (and SHOULD) claim for the whiplash.
That is why you have legal cover on your insurance policy.

The bad news is no, you won't get anything near what your car is worth (unless you get very lucky!!).

A kind lady wrote my scooby off in 2007 and admitted it was all her fault.

The police nor ambulance were called but my mate took me to the hospital.

My insurance company initially offered me 1100 for my car, which was worth at LEAST 3500!!!
I told them what i thought of them n then they offered me 1400 and basically told me that if i didn't like it, i had to take them to the ombudsman!!
Obviously this was far too much time and effort for me so i just had to take the money (which they knew i'd do, that's why they did it!!).

On the plus side ... after waiting over a year, i got a payout of just under 2500 which was compensation for the whiplash injury i sustained in the accident and for compensation of petrol taking me to and from the hospital and also for my girlfriend and my mum coming in and helping me with the household chores i couldn't do because of my injury :)
You'll also have loss of earnings on top of it (i didn't as wasn't working at the time as had been made redundant).

Make note of every single detail because they'll ask you for it, even include the car park ticket from the hospital.
Why should YOU be out of pocket when it wasn't your fault!!!!

It'll take some time and effort but you'll get a payout for it and it'll be worth it in the long run.
Just be prepared to wait ......... :)

GOOD LUCK!

P.S As has been said, she will have to go to an independant specialist who will assess her injuries and ask her some questions.
Also i had 3 months of physio, going once a week.
Hope this helps :)


Hi and thanks for the advice, it is really good to hear from soembody that has faced the same situation. We will definately keep records of everything that happens. She has been back to the doctors today and he has prescribed some stronger painkillers, she may not need physio if it improves. Once again thanks for your help. David
#17
As you have legal cover let them advise you, keep records of dates and times of any conversations regarding the claim. Keep receipts for any additional expenses, always remember you can only claim for what you lost. Never listen to other people advising you how much you should get, it just confuses your own claim. Later down the line when your wife has fully recovered you will be assessed on long term disability, this could be as much as 18 months after the accident. You can onky claim for lost wages if you atually lost them, if you received full sick pay then you can't claim for wages, although you can claim back to repay your employer the sick pay. You can claim for lost overtime and bonuses as long as you can prove that you would have earned them should you have been fit. With the advice of a good solicitor you can claim for all sorts of things, I got paid for a loss of promotion and loss of holiday time. My claim was far from straightforward, the other party knocked me off my motorbike, denied responsibility refused to accept a Police caution, the Police then lost the file and didn't prosecute. I suffered broken arm, hand, pelvic and back inuries. I clamed lost earnings (my employer didn't pay me for my time off sick), loss of promotion, loss of holiday entitlement, permanent disfigurement (surgery scars on arm and bent fingers), loss of motorcycle, damaged clothing/helmet, travel expenses for 4 months, and sundry expenses. I had to go to court before the insurers and 3rd party admitted liability, the judge eventually ruled 90% liability on their part (I never fully understood why it was 100% but that is the judiciary)
The main thing is that your wife is not badly hurt and will recover fully.
Regards

Post a Comment

You don't need an account to leave a comment. Just enter your email address. We'll keep it private.

...OR log in with your social account

...OR comment using your social account

Thanks for your comment! Keep it up!
We just need to have a quick look and it will be live soon.
The community is happy to hear your opinion! Keep contributing!