Whiplash Claims

[JakeWazza]

About 3 months ago I had a very slight bump, we were both doing less than 10MPH but it was my fault. We exchanged details etc and I informed my insurance and paid to get my car fixed. I never heard anything back and just assumed due to the fact there was no damage to his car he had just left it.

However today I have received a letter saying that my insurance have just received a Personal injury claim. I have been completely honest in the whole process so assume I have nothing to worry about other than loosing my no claims, and my insurance say they are going to investigate due to the time between the claims, so I'm just wondering what my chances are of managing to keep my no claims, I mean he's not claimed for any damage to his car (Obviously as there was none) so I don't know how anyone could actually believe he is hurt?

I assume one of those companies have just rang him up and he's gone along with it, as they ring me too since I told my insurance asking about the crash I was in, I just hope this isn't going to cost me big now due to one mans false claim.

[Clean Your Ride]

Just stick to your guns Jake and insist you will attend court if need be, to provide evidence.

My wife was involved in an "accident" about 8 months ago.

She was stationary at a junction waiting to turn right when a car came from her left, across the front of her car to enter the road she was coming out of. As he passed her stationary car his rear o/s wheel arch caught her front bumper and proceeded to peel it open like a can of spam.

He stopped, she turned her car around and his first words in broken English were he had whiplash and was intending to make a claim.
My wife sensing a scam insisted on this man proving he had a licence and insurance. As he was of African descent, he then threw out the race card and refused to show her any form of id claiming she was a racist.
Phoned the police as he had left the scene and it turned out he did have a licence and insurance and this was not the first "accident" he had been involved in resulting in a personal injury claim being submitted. His car certainly showed signs of numerous other previous accident damage which hadn't been repaired.

Insurance have asked my wife would she be willing to attend court to which she replied she most definitely would. My 12 years no claims were protected but we did have to pay the excess when the £1200 repairs were completed.