It doesn't affect anyone on this forum, but you still posted it here. If you're going to get all tetchy about the replies maybe you shouldn't have posted it.
Talking about being a ****, coming to find out about making a claim before finding out about your back would seem like a slightly dickish thing to do, contradicting yourself and lying about the accident would seem like a slightly dickish thing to do. If you think pointing this out makes me a ****, then that's your opinion and I'll happily take that honour knowing that I'm not a liar or considering committing fraud.