Whiplash.

I woudl assume you would still need a doctors note to say its actual whiplash to claim for oss of earnings ? has he seen a quack yet?

Get to the doctors and contact the insurers. Tell him to claim for PI and LOE. He could get about £2k for a whiplash injury.

I would! It wasn't his fault and he's out of pocket because of it.

I know there's lots of false claims but this should not put off the honest people with genuine injuries

Yes, he had to go to the out of hours one on Saturday.

Get the other driver's insurance details. If you need any help give me a shout as this is my area of expertise.

Thanks Tricks. His mum's got the reg, name and phone number and who the insurers are. Would we call his mum's insurers or the lady's?

Thing is, as his work is overtime therefore not his contracted hours would they bother with it? I guess he could prove that he had agreed to do it but then had to cancel...

Another thing... if he did make a claim, would he have to declare this when renewing our insurance? Or would his mum as it's her vehicle?

Ah, low speed whiplash claims! I used to lecture on these to insurer clients (particularly from the fraud perspective)!

?

I can assure you that it's certainly not fraudulent.

He probably won't claim, and he certainly wouldn't milk it for a few grand. But as it stands he's done nothing wrong and will be out of pocket for a fair amount come the end of next month.

My H got hit by a girl who was texting while driving. It was a low impact collision but he suffered for over a year with the whiplash. He claimed and got nearly £3k. they arranged for him to see a physio too. I would investigate it, spesh if he's losing earnings. H got losses and the actual claim amount. I doesnt make up for the pain he went through for 18 months but it eased it slightly and that cant be a bad thing.

As he is genuinely hurt I would persue it.

I wasn't suggesting it was fraudulent, only that I used to lecture on them.

That said, claims resulting from low speed collisions like this are driving up insurance premiums for everyone. At least encourage him to approach her insurers directly. They'll have proactive staff who will deal with his claim - rather than him going to some sort of claims management company/claimant law firm who'll get him the same deal but will rack up costs in doing so. Cuts out the middle man so will be quicker for him too.

WSS.

Whiplash is horrendous and doesn't go away so if he is injured then he has a right to claim loss of earnings! I was in a high speed collision and had whiplash and could hardly move for 2 weeks. Every single muscle in my body ached. I have been hit in low speed collisions since and because the damage is already done, it doesn't take much impact for me to be in serious pain with it again.

Having said this, I was SERIOUSLY pissed off when I barely nudged a man on a ramp going uphill from stationary, and he still claimed for whiplash despite there being absolutely no chance he had any injury caused by me (I would have injured myself at the same time!). My insurers never even bothered to call me to ask what had happened, they just paid him and doubled my premiums.

This is currently the bane of my life, Tricks!

Which, in turn, makes it more expensive for everyone else.

Hover cars, that's what we need.

I agree, which is probably why he's reluctant to do anything about it. He certainly doesn't want to claim 5k as I'm sure some people do, I just think he should be entitled to recover his losses. He probably won't do anything, he's too laidback and doesn't like to cause a fuss but I just don't think it's right.

Whiplash is a diagnosis that I'm reluctant to make as it really does make a difference to the pay out and can only be really judged a while after the accident (when you have a better idea of the recovery). I've always been told to write "back strain".

I got back strain a few years back from an RTC, had a few days off work and got £500. I was in pain for about a month. It still plays up now and then. Back injuries are horrible

I got whiplash from a crash when I was 14 years old. I was on a school bus and it went to fast round a corner in a country road and crashed into a lamppost. To this day 13 years later I still suffer from my back and neck. I got a payout yet it didn't even touch on the amount I have paid out over the years on treatments!

Whiplash is a horrible thing and I hope that your h looks after himself and gets some treatment to help him.

I got hit while stationary about 10 years ago and the insurers automatically sent me for a medical... I was then sent a cheque for £1,750.

I was actually in a fair amount of pain so took the money to cover my loss of earnings.

Thanks for the info ?

He's still sore and has just been resting, if anything it's probably a little worse. But not sure if he's just exaggerating it so that he doesn't have to finish off the list of jobs I have for him!

He spoke to his mum about it and she is moaning because she doesn't want anything going on her insurance record so I'm not sure what he's going to do.

Now I am not saying this is the case in this instance, but you can see why they are clamping down on whiplash claims at the moment, its costing insurance companies and now the likes of you and me thousands because of false claims.

Has he been to to hospital regarding this ? - How soon did he go ?

You say his mum is moaning ? - Is he a named driver on her insurance ?

I hope he's OK, and touch wood, doesnt affect him for much longer.

No he's not, he was a passenger in her car - she was driving.

Is it just overtime you are looking to claim for ??

I thought you had to go to A&E within a set time for it to be valid ??

Ah, then yes, it will have a big impact on her premiums going forward as well/

No you dont.

So he probably won't be claiming then, it's not worth it for a few hundred £.

If it wasn't his mothers fault then why would her premiums go up? Wouldn't it be the person who crashed into you?

(apologies if I've misread this)

You haven't misread, but I don't know the answer. I think she'd still have to declare it (I have to declare my not at fault accident) but whether it affects her premium I don't know.