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I'LL NEVER WALK ALONE
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3,095 Posts
Discussion Starter #1
about 2 weeks ago while waiting at an island i took my foot off the brake and rolled into the car in front :facepalm: at about 2mph, i didn't even notice it was moving,

no real damage done thankfully, i've got a 2" scrape on my bumper just above the fog lamp and his car has about the same, we exchanged numbers and went on are way after making sure no one was hurt (he had a mate in the car and i had my mum) not that you could be at that speed,

i spoke to the lad the next day (seems a decent fella) and asked if i could pay to sort out the scrape to his bumper rather than go through the insurance, my ncb is not protected and i'm toying with the idea of getting a type R, he agreed !!

but i've just had a phone call from him to warn me his mate is putting in a claim for injuries :mad: even tho there is nothing wrong with him.....
no one was hurt, we even joked about whiplash at the scene and his mate said i didn't have to worry !!

any advice on what i should do ?? the other driver did seem genuinely sorry when he rang, looks like the R will be a non starter now :(
 

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Premium Member
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2,410 Posts
I seriously don't think he will get very far with the neck pain claim unless he truely does have neck pain as a result of the accident.

He will tell his mate to inform his insurance company about the accident and then his mate will have to be inspected by a doctor who will give their diagnosis and my guess is that they doctor will tell him to go away...

Maybe it's worth ringing the guy you rolled into and explaining that if his mate puts in a claim through his insurance it goes down as an accident on his policy too (even though it's not his fault). Maybe he will make his mate change his tune? Worth a try?

Good luck
 

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I'LL NEVER WALK ALONE
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Discussion Starter #3
that's a good shout actually !!
thanks for that mate, will be speaking to the other driver again tonight so hopefully can sort something out....

thanks again !!
 

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180 Posts
That guy is chancing his arm just to get money. Its guys like that that put our premiums up every year faking injuries. Did you report it to insurance company? If not how would they know you had been in an accident unless this other guy has contacted them. If some one is injured in an accident the police are also suppose to be at the incident regardless of how small the injury. Thats why police ask has anyone been injured. If you say no then they won't bother coming out.

Like parsco says theres so much you have to do. Report it. Go to doctors. Get sent to specialist. Go to his solictor etc etc.

I cant have people like that. Anything to get a pound or 2
 

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665 Posts
If they are going to play dirty, then join them!!!

Any witnesses apart from the 3 of you?

Get your car fixed ASAP and don't contact him. Don't answer your phone. Let him notify his insurance company, and when you are contacted by them say 'what damage, don't know what you are going on about'.

I firmly believe in being honest and I expect the same in return, give a piece of their own medicine!!!!
 

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I'LL NEVER WALK ALONE
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3,095 Posts
Discussion Starter #6
That guy is chancing his arm just to get money. Its guys like that that put our premiums up every year faking injuries. Did you report it to insurance company? If not how would they know you had been in an accident unless this other guy has contacted them. If some one is injured in an accident the police are also suppose to be at the incident regardless of how small the injury. Thats why police ask has anyone been injured. If you say no then they won't bother coming out.

Like parsco says theres so much you have to do. Report it. Go to doctors. Get sent to specialist. Go to his solictor etc etc.

I cant have people like that. Anything to get a pound or 2
nothing has been reported to my insurance or his as far as i know,
i was told the passenger had been to see his doctor and was now putting in a claim, something about a knot in his back ??

i know he's trying it on, bloody annoys me cause both me & the driver had it sorted between us :mad:
 

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I'LL NEVER WALK ALONE
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3,095 Posts
Discussion Starter #7
If they are going to play dirty, then join them!!!

Any witnesses apart from the 3 of you?

Get your car fixed ASAP and don't contact him. Don't answer your phone. Let him notify his insurance company, and when you are contacted by them say 'what damage, don't know what you are going on about'.

I firmly believe in being honest and I expect the same in return, give a piece of their own medicine!!!!
no witnesses apart from us, the damage is that small it's not even worth paying for, in fact you'd struggle to notice it !!

not sure about lying tho :police:
 

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no witnesses apart from us, the damage is that small it's not even worth paying for, in fact you'd struggle to notice it !!

not sure about lying tho :police:
I know, it goes against the grain and I am very reluctant to suggest it.

I know a lie doesn't cancel another, but they are blatantly trying it on. Unfortunately, the vast majority of times Insurance Companies pay out on whiplash as it's very hard to disprove the claim.

You're in a no win situation, but it's up to them to prove the accident, and if you have no damage......
 

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I'LL NEVER WALK ALONE
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Discussion Starter #9
I know, it goes against the grain and I am very reluctant to suggest it.

I know a lie doesn't cancel another, but they are blatantly trying it on. Unfortunately, the vast majority of times Insurance Companies pay out on whiplash as it's very hard to disprove the claim.

You're in a no win situation, but it's up to them to prove the accident, and if you have no damage......
i'll ring the driver tonight and see if we can sort this out, strangely enough my mum is a first aid trainer so i could say medical assistance was availible but declined !!
 

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Take photographs of the damage to your car and ask the other driver for him to take photographs of his car and send them to you.

Also explain to the other driver, if his passenger does go through with this ridiculous claim you will have no option to sue him and explain that the insurance companies would probably pursue him for fraud

Remember, if the worst comes to the worst send these pictures to your insurance company explaining it was only a insignificant bump - this is why you hadn't informed them earlier and that all parties reported no injures at the scene and it was agreed that only minor damage had been caused. Your insurance company has a big legal team who are fighting these injury compensation claims more and more these days.

Good luck
 

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The Dugs Baws
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3,507 Posts
Dont think that if the guy goes to a doc or specialist that they will tell him to go away!!!!!
My mate was put off the road by a guy trying to overtake too many cars comming towards him in the opposite direction so my mate had to put his car in a ditch or it would have been a head on.
My mate was ok but the next day his neck was hurting so he went to the doc`s for a check and was put on to a claim company by the doc!!!!
The claim company organised for him to go to hospital to see a specialist who`s "check up" consisted of asking him where it was sore and that was it!!!!

At the end of the day any fit and healthy person could be in a minor bump walk into any hospital and say they are in pain, There is no way of telling if someone is at it or not with neck and back pain.

Hope you get it sorted mate and i`ve not freaked you out too much with this info.
 

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I'LL NEVER WALK ALONE
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Discussion Starter #12
Take photographs of the damage to your car and ask the other driver for him to take photographs of his car and send them to you.

Also explain to the other driver, if his passenger does go through with this ridiculous claim you will have no option to sue him and explain that the insurance companies would probably pursue him for fraud

Remember, if the worst comes to the worst send these pictures to your insurance company explaining it was only a insignificant bump - this is why you hadn't informed them earlier and that all parties reported no injures at the scene and it was agreed that only minor damage had been caused. Your insurance company has a big legal team who are fighting these injury compensation claims more and more these days.

Good luck
:thumbsup: thanks for that mate !!
will get the photos done tonight of mine and hopefully his.
 

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i think you should ring your insurance company mate and make them aware of whats happening and what the driver has said. You might have free legal cover included in your insurance.
 

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para999, The Vision

I wouldn't advise doing that. As I got accused of driving into somebody (I didn't) but despite that and the fact that there was no damage to my car, just on their word alone its been going on for a year and is likely to go to court.
 

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641 Posts
I went up the back of somebody at christmas was doing about 5 mph, no damage to either cars offered to take the woman to hospital which she declined, swapped details, informed the police and informed my insurance company. A week later I recieved a letter informing me she was claiming for whiplash a new bumper and new tailgate. Luckily I had taken photos at the scene and forwarded them to my insurers who have taken her to court for insurance fraud. That was two months ago and i haven't heard a dickie since.
Make sure you get photos and trust your insurance company, the last thing they wanna do is pay out.
good luck getting it all sorted matey.
 

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I'LL NEVER WALK ALONE
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3,095 Posts
Discussion Starter #16
Dont think that if the guy goes to a doc or specialist that they will tell him to go away!!!!!
My mate was put off the road by a guy trying to overtake too many cars comming towards him in the opposite direction so my mate had to put his car in a ditch or it would have been a head on.
My mate was ok but the next day his neck was hurting so he went to the doc`s for a check and was put on to a claim company by the doc!!!!
The claim company organised for him to go to hospital to see a specialist who`s "check up" consisted of asking him where it was sore and that was it!!!!

At the end of the day any fit and healthy person could be in a minor bump walk into any hospital and say they are in pain, There is no way of telling if someone is at it or not with neck and back pain.

Hope you get it sorted mate and i`ve not freaked you out too much with this info.
:panic: tbh if i'd done any harm to him i'd have told my insurance straight away, i was expecting a price increase if i get a ctr but now it will rocket if i have to claim, my mrs had her car wrote off by some idiot and was advised by the police that attended to claim compo......but she was in pain !!
 

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Premium Member
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665 Posts
Take photographs of the damage to your car and ask the other driver for him to take photographs of his car and send them to you.

Also explain to the other driver, if his passenger does go through with this ridiculous claim you will have no option to sue him and explain that the insurance companies would probably pursue him for fraud

Remember, if the worst comes to the worst send these pictures to your insurance company explaining it was only a insignificant bump - this is why you hadn't informed them earlier and that all parties reported no injures at the scene and it was agreed that only minor damage had been caused. Your insurance company has a big legal team who are fighting these injury compensation claims more and more these days.

Good luck
The problem is it costs more in legal fees to fight these cases, so they just pay out the couple of grand. Unfortunately it goes on the insurance of the 'defendant' and there goes some NCB!
 

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I do not think you should have exchanged phone No.s as you both agreed there was no real damage, in this day you should have got the driver to sign a disclaimer, ie a note to say no one was hurt and that the damage at approx 2 mph was minimal if your insurance company includes free legal advice, I would suggest you contact them to cover your back, has the passenger been to the hospital, basically if he has not had any problems within 72 hours, then he if he is having problems now could be caused by another incident such as falling off a skate board or falling over etc, if your insurance is worth it;s salt they will shoot them down in flames, maybe you can counter claim for the stress, hope you get this sorted out.
 

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:panic: tbh if i'd done any harm to him i'd have told my insurance straight away, i was expecting a price increase if i get a ctr but now it will rocket if i have to claim, my mrs had her car wrote off by some idiot and was advised by the police that attended to claim compo......but she was in pain !!
Insurance may not rocket ;) I had a bump.. Ok I wrote my car and his off maybe not a bump lol but my insurance renewal was cheaper... And doing a qoute with no crash was... 50pence cheaper a year! So increases may not be as bad as you think! Or take a bat to the boys back then smile as he will have pain worth his 2k compo! Lying rat!!
 

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Call his bluff, ask the driver to describe the incident over the phone (record the conversation) then get the mates account. If both differ then inform him he can have the insurance companies details with pleasure but you will be reporting him for fraud.

The problem is insurance companies find it cheaper just to pay out and recoup their costs through premiums rather than investigate.
 
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