[Mother_Russia]

(Original post by SpicyStrawberry)
No matter what you're doing, if someone drives into the back of your car it is always their fault for not maintaining an appropriate stopping distance, so the OP doesn't need to worry on that front.

Definitely under the circumstances OP is describing ie. coming up to a roundabout.

But surely not if OP had stopped suddenly?

[James82]

(Original post by SpicyStrawberry)
No matter what you're doing, if someone drives into the back of your car it is always their fault for not maintaining an appropriate stopping distance, so the OP doesn't need to worry on that front.

Not sure how you make that assumption, 99% of the time you're probably right, but there are plenty of reasons why going into the back of somebody might not be your fault and we've only heard one side of the story. If the other driver contests the OP's version of events, the insurance company will no doubt do very little investigation and merely apportion blame on a 50-50 basis, in the grand scheme of things they couldn't care less whose fault it is.

[parry_93]

(Original post by James82)
Because you posted what he wrote, therefore I am entitled to make a judgement.

You said that the back pain didn't come on immediately, but when you informed him of it via text his first reaction was to tell you to put in a claim for neck whiplash as that is the most usual claim, not to check whether you were alright or even to say just claim for the actual problems you have, but to lie, just don't lie too much or you'll get caught out.

From that information my judgement is that he is in it to make as much money as he can and really couldn't give a toss about you or your back.

Yes, along with two phone convos aswell where he asked me how i was and i told him, this was after so he already knew!

Consoled me on the road side, asked me when he was on the phone to his insurance, then later when he called me twice, yep uncaring and in it for the money.

And he even said hope your alright chuck. Clearly such an uncaring guy.

Also had a long discussion with my dad about it too.

This was posted from The Student Room's Android App on my GT-I9100

[James82]

(Original post by parry_93)
Yes, along with two phone convos aswell where he asked me how i was and i told him, this was after so he already knew!

Consoled me on the road side, asked me when he was on the phone to his insurance, then later when he called me twice, yep uncaring and in it for the money.

And he even said hope your alright chuck. Clearly such an uncaring guy.

Also had a long discussion with my dad about it too.

This was posted from The Student Room's Android App on my GT-I9100

OK, so now you've filled in a few blanks maybe he's not as bad as merely the text conversation would imply, but people can only make judgements on the information put in front of them.

But I stil have no idea why he is telling you to claim for neck whiplash, is there anything wrong with your neck?

[parry_93]

(Original post by James82)
OK, so now you've filled in a few blanks maybe he's not as bad as merely the text conversation would imply, but people can only make judgements on the information put in front of them.

But I stil have no idea why he is telling you to claim for neck whiplash, is there anything wrong with your neck?

Yeah I'm Putting in a claim too, don't go silly tho as they will catch on to you, neck whiplash is the usual, aching etc would be sufficient, too much they won't pay.
Xx

He mentioned aching too which is what i have in my lower back. Not telling me to claim for neck whiplash which can take a few days to appear anyway.

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[ellieHA]

You should only claim if the incident has caused any financial loss to you. That's what claims are for isn't it? Paying for any medical bills, lost time at work etc.

If you have not lost out money wise then don't claim. Simple.

[parry_93]

(Original post by BillyBongos)
Tell the truth! You never know the instructor could turn nasty and dob you in for lying, or could have recorded what you said. Life has a way of biting you in the ass!


put in a claim - its not pathetic. In a few years time, who knows if it turns out to be serious.


That's solicitors speak for them trying it on. Your friend could have said through the solicitor - prove it was already broken! they don't 100% know that they have permanently aggravated a seemingly old injury into something more serious.


I totally agree, but she must put in a claim, because who knows what will happen in future - can you predict how it will turn out?


You sound like a lovely girl anyway. You've never lied or been dishonest, ever in your entire life! have you?


eh? well the driving instructor isn't claiming for bodily injury, only to the car. The damage to the car is obvious. If she has been injured, then its an 'additional' part to the claim.but why call her a total trollop? - she just made a mistake, like everyone does everyday. How would you like to be called a trollop? This goes to show what you really think of that poor driver - where's your compassion? I thought you two would have more integrity than that.


Doesn't that sound suspicious to you? You don't have the years of training of a medical doctor to assert that hypothesis, so you can't put that as the conclusion on the form The most you may say is back pain.



1 Submit your claim honestly and truthfully, and don't lie as per your instructor.
2 I really thought you had integrity, else who actually are you, and what are you for!
3 Telling the truth will sit well, and lying gets you nowhere, just screws you up.
4 You called her a trollop too, that just goes to show how you really feel about other people.
5 I think this whole mess just stinks, and you actually going ahead to lie about it, makes me think you are bitchy, rotten, and disgusting to the core. I'm thoroughly ashamed of you, and you and everyone else who read your thoughts should be repulsed by what you've said too. Best be off to bed, and think about a few things missy!


Calling it how I see it. Now, bring on the negs!

My instructor never once told me to lie, he basically told me to tell the truth and over exaggerate.

Calling her a trollop shows how i feel about every other person of course it does. She was clearly driving without due car, her kids werent strapped in and her car would have to be written off.

Where did i say i was going to lie about it?

Awhh im sure people who think im a lovely girl greatly outweigh those who think im a bitch!

This was posted from The Student Room's Android App on my GT-I9100

[boba]

(Original post by parry_93)
Well seen as my instructor was there and thats what he said happened to his insurance company then no.

I was already stopped when she drove into the back of me.

I didnt crash, i wasnt at fault.



I obviously know about lying on an insurance claim my instructor has text and called me about this already.

My instructor has told me hes putting a claim in,

Im not annoyed about the crash at all :s



I.e if physio is needed if its that bad etc, although ill have to wait a few days to speak to the insurance company again.

And he said hes claiming and as long as i dont go crazy or over exagerate then ill be fine,

Im actually a good driver ( instructors opinion).




And why is everyone trying to make me out as the bad guy when it isnt even my fault some trollop was following my arse and trying to over take me on a roundabout and going far too fast?

This was posted from The Student Room's Android App on my GT-I9100

you do realise the nhs exists right?

people are probably "making you out to be a bad guy" because people putting lots of claims in is what makes general insurance so high, and you havn't mentioned that you will have loss of earnings or anything so I don't really see why you deserve any money. But nevertheless that wasn't really my point or my intention with my question it was the fact that if you need any medical treatment it will be covered by the state and putting in a claim will make no difference to your back so that reasoning made no sense.

[parry_93]

(Original post by boba)
you do realise the nhs exists right?

people are probably "making you out to be a bad guy" because people putting lots of claims in is what makes general insurance so high, and you havn't mentioned that you will have loss of earnings or anything so I don't really see why you deserve any money. But nevertheless that wasn't really my point or my intention with my question it was the fact that if you need any medical treatment it will be covered by the state and putting in a claim will make no difference to your back so that reasoning made no sense.

-.- of course i know the nhs exists.

And what ever happens its between me and my instructor as to if we decide to claim etc

Trauma, jolting of the back?

Well not right this second because its only just happened however what if i do have to take time off work?

I dont get paid for taking sick leave.

This was posted from The Student Room's Android App on my GT-I9100

[James82]

(Original post by boba)
you do realise the nhs exists right?

people are probably "making you out to be a bad guy" because people putting lots of claims in is what makes general insurance so high, and you havn't mentioned that you will have loss of earnings or anything so I don't really see why you deserve any money. But nevertheless that wasn't really my point or my intention with my question it was the fact that if you need any medical treatment it will be covered by the state and putting in a claim will make no difference to your back so that reasoning made no sense.

If the OP has a genuine injury she should go and see a doctor and get a referral for a course of physiotherapy if that is what the doctor recommends, I would then take that referral to get treatment privately and claim the cost back along with any other genuine expenses (travel, loss of earnings, etc) from the insurance company. The wait would be too long on the NHS and the taxpayer doesn't need to be funding it.

What I wouldn't do is decide a few hours after the accident, without having consulted a doctor, whether I should make a claim for an aching back just because my instructor told me to and seek advice on an internet forum. Compensation in this country has always been about compensating for actual losses, not as a punitive measure like the US.

[boba]

(Original post by parry_93)
-.- of course i know the nhs exists.

And what ever happens its between me and my instructor as to if we decide to claim etc

Trauma, jolting of the back?

Well not right this second because its only just happened however what if i do have to take time off work?

I dont get paid for taking sick leave.

This was posted from The Student Room's Android App on my GT-I9100

well. the nhs would cover any physio or any treatment needed for your back so saying you wanted to claim because you were concerned about your back made no sense. if you had to take time off work then yes I would expect you to claim but I would expect you to be thinking about that after your doctors appointment tomorrow if they say there might be some cause for concern not tonight just after it has happened. you didn't even mention having a job and might having to take time off until I said that so its obviously not a huge concern for you

I just don't understand why you already seem so much more concerned about putting in a claim than being upset over what happened or the fact you are in pain.

[boba]

(Original post by James82)
If the OP has a genuine injury she should go and see a doctor and get a referral for a course of physiotherapy if that is what the doctor recommends, I would then take that referral to get treatment privately and claim the cost back along with any other genuine expenses (travel, loss of earnings, etc) from the insurance company. The wait would be too long on the NHS and the taxpayer doesn't need to be funding it.

What I wouldn't do is decide a few hours after the accident, without having consulted a doctor, whether I should make a claim for an aching back just because my instructor told me to and seek advice on an internet forum. Compensation in this country has always been about compensating for actual losses, not as a punitive measure like the US.

I agree with the bit in bold but from my experience (personal more than once,and knowing rather a few others who have had to) if you need physo you get it straight away its not something with a big waiting list. And the tax payer funds the nhs whether she takes up a couple of hours a week or not it would literally be a drop in the ocean so I wouldn't bother with the private treatment.

[James82]

(Original post by boba)
well. the nhs would cover any physio or any treatment needed for your back so saying you wanted to claim because you were concerned about your back made no sense. if you had to take time off work then yes I would expect you to claim but I would expect you to be thinking about that after your doctors appointment tomorrow if they say there might be some cause for concern not tonight just after it has happened. you didn't even mention having a job and might having to take time off until I said that so its obviously not a huge concern for you

I just don't understand why you already seem so much more concerned about putting in a claim than being upset over what happened or the fact you are in pain.

I agree with this except the bit about using the NHS, the waiting times are too long and why should the taxpayer fund the treatment?

[James82]

(Original post by boba)
I agree with the bit in bold but from my experience (personal more than once,and knowing rather a few others who have had to) if you need physo you get it straight away its not something with a big waiting list. And the tax payer funds the nhs whether she takes up a couple of hours a week or not it would literally be a drop in the ocean so I wouldn't bother with the private treatment.

Depends on your local health authority: http://www.csp.org.uk/sites/files/cs...mes_survey.pdf

The average maximum waiting time was 6-8 weeks, in some health authorities it is 1 week and some it is up to 40 weeks, talk about a postcode lottery, but if you go privately they will see you in a few days.

[parry_93]

(Original post by James82)
If the OP has a genuine injury she should go and see a doctor and get a referral for a course of physiotherapy if that is what the doctor recommends, I would then take that referral to get treatment privately and claim the cost back along with any other genuine expenses (travel, loss of earnings, etc) from the insurance company. The wait would be too long on the NHS and the taxpayer doesn't need to be funding it.

What I wouldn't do is decide a few hours after the accident, without having consulted a doctor, whether I should make a claim for an aching back just because my instructor told me to and seek advice on an internet forum. Compensation in this country has always been about compensating for actual losses, not as a punitive measure like the US.

(Original post by boba)
well. the nhs would cover any physio or any treatment needed for your back so saying you wanted to claim because you were concerned about your back made no sense. if you had to take time off work then yes I would expect you to claim but I would expect you to be thinking about that after your doctors appointment tomorrow if they say there might be some cause for concern not tonight just after it has happened. you didn't even mention having a job and might having to take time off until I said that so its obviously not a huge concern for you

I just don't understand why you already seem so much more concerned about putting in a claim than being upset over what happened or the fact you are in pain.

Ive not decided to make a claim yet have i.

I dont hear back until my instructors insurance until thursday to see if any issues have arrised between now and then.

I dont have to moan and whinge how much its hurting me over an internet fourm.

He never "told me to" he said he was putting in a claim.

This was posted from The Student Room's Android App on my GT-I9100

[boba]

(Original post by parry_93)
Ive not decided to make a claim yet have i.

I dont hear back until my instructors insurance until thursday to see if any issues have arrised between now and then.

I dont have to moan and whinge how much its hurting me over an internet fourm.

He never "told me to" he said he was putting in a claim.

This was posted from The Student Room's Android App on my GT-I9100

I'm not sure what your point is? you seem to have missed mine which is that you should only claim for costs incurred to you such as loss off earnings or whatever not just because you can. I never questioned whether or not you were in pain or said that your instructor told you to do it.

[boba]

(Original post by James82)
Depends on your local health authority: http://www.csp.org.uk/sites/files/cs...mes_survey.pdf

The average maximum waiting time was 6-8 weeks, in some health authorities it is 1 week and some it is up to 40 weeks, talk about a postcode lottery, but if you go privately they will see you in a few days.

wow well I'm glad to live where I do then, and in that case yes I agree if you live somewhere that you would have to wait you should go private and claim the cost of that.

[pcorbett94]

(Original post by PataynaRolaay)
Claim and say that you have whiplash and headaches, dont go out for a few days, keep going to the doctors and saying it hurts alot, try to stay awake all night, then say that to the doctors too that you cant sleep cause of the pain and that you keep getting flashbacks and feel scared and everytime you cross the road you scared a car is going to hit you.

You'l be loaded If only someone crashed into me when i was a learner

p.s if you aint that good of an actor, just go on a really fast rollercoaster and keep going onit till you actually get whiplash, also dont say to the doctors you went to a theme park, and plz do destroy the ticket. And go on bumper cars and piss people off there so they smash in the back of you

Please don't take this advice! Go to the doctors once. They will do their job, assess you and take appropriate action. If you start going back again and again just to make your claim more worthy, or start giving yourself symptoms like temporary insomnia due to the accident, you will simply be wasting the doctor's time, as well as the NHS's resources and money. Tax payers don't want to see their hard earned money spent on repeat visits from teenage girls trying to get as much money as possible from their compensation claim.

(Original post by PataynaRolaay)
You'l be loaded If only someone crashed into me when i was a learner

People saying things like this is what has fuelled the compensation culture. Wishing physical pain upon yourself just for a quick buck is pathetic.

[parry_93]

(Original post by pcorbett94)
Please don't take this advice! Go to the doctors once. They will do their job, assess you and take appropriate action. If you start going back again and again just to make your claim more worthy, or start giving yourself symptoms like temporary insomnia due to the accident, you will simply be wasting the doctor's time, as well as the NHS's resources and money. Tax payers don't want to see their hard earned money spent on repeat visits from teenage girls trying to get as much money as possible from their compensation claim.



People saying things like this is what has fuelled the compensation culture. Wishing physical pain upon yourself just for a quick buck is pathetic.

Went this morning and confirmed that i have whiplash in my lower back and is likely to get worse before it gets better.

And told me ive got to keep mobile and not rest too much because it will make my muscles stiff.

And yes, its not nice to have an accident especially when your a learner


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[SpicyStrawberry]

(Original post by Mother_Russia)
Definitely under the circumstances OP is describing ie. coming up to a roundabout.

But surely not if OP had stopped suddenly?

Especially when the OP stopped suddenly it's the other person's fault, they were way too close to the car to react in time.

(Original post by James82)
Not sure how you make that assumption, 99% of the time you're probably right, but there are plenty of reasons why going into the back of somebody might not be your fault and we've only heard one side of the story. If the other driver contests the OP's version of events, the insurance company will no doubt do very little investigation and merely apportion blame on a 50-50 basis, in the grand scheme of things they couldn't care less whose fault it is.

Of course, but if it is found that the OP's version is true then it's undoubtedly the other driver's fault.