compo for whiplash?

[KentPhilip]

Nothing. FFS all you're doing is putting up everyone else's insurance. By all means get your car fixed on their insurance, but unless you can't work, just live with it.

PS : I hate ambulance chasers too.

+1

Don't encourage the parasites (the lawyers, not the OP).

[threaded]

Make sure you have copies of all paperwork.

When we had a smash that wrote our car off and I was hospitalised and we were stuck in a hotel for a few days and we had to hire a car to get home and the Missus lost her contract because she was off sick, and I couldn't turn my head for 2 or 3 months.

The insurance brokers (A+ Insurance, Hemel Hempstead) lost all the paperwork. Car purchase receipt, registration document, insurance certificate, car recovery firm paperwork, the paperwork I got from the Police, repair receipts, all the medical paperwork, car hire receipts, receipts for the hotel, etc. all gone. Then (about 8 months later) the legal people said the person dealing with our case had left and we would have to start the claim again.

In the end we got the "resale value" of the car (about £1,000 yet it cost £8,500 to replace with a 2nd hand equivalent) and nothing else.

As I said: make sure you have copies of all paperwork.

WHS++

My experience is all claims processing is digital. I helped write it. When you send a letter to an insurance company it often never gets anywhere near them, but is routed to a BFO scanner at the Post Office / Service Provider that automatically opens, scans, reads your letter, and then emails the relevant text with a link to the image and various index numbers etc. to whatever business process, i.e. if you've had the accident shortly after getting married then it'll go to both the change name business process, and the claims business processes.

The paper original then goes to storage for some time.

When an insurance company claims they've lost your paperwork it is a LIE. You can see from the above description they have it stored in at least three distinct places. Yet, for reasons of graft, insurance companies are allowed to continually get away with scams such as this. Such is the nature of the insurance industry in the UK.

So make sure you have copies of all paperwork. Insurance companies will try and use any excuse to get out of paying, and are absolutely not beyond making tulip up.

[Board Game Geek]

WHS++

So make sure you have copies of all paperwork. Insurance companies will try and use any excuse to get out of paying, and are absolutely not beyond making tulip up.

WHS +1.

My ex-insurance company, during the process of a sizeable claim (CI Cover), tried to wriggle out of the claim, by telling me that there was a box called disclosure on my form. That I had ticked "No", and should have ticked "Yes".

Not having a full copy of the form (it was done mostly electronically), I couldn't check.

They said that they didn't have a copy of the form anymore, just the electronic record, which they printed out and didn't even have the Yes or NO box on it !

I then kept ringing over several days, until I finally got hold of a young lad I had never spoken to before. I asked for a copy of my documents and he said sure, no worries.

They arrived in the post the next day.

On the form, I had ticked Yes.

I wrote to the insurance company, accusing them at the very worst of deliberately and criminally giving me wrong information that could have led me to abandon a valid claim. At the best it was gross mis-management.

They replied "Thank you for pointing out a grave error in our administration. We are paying the claim immediately."

You've got to watch them.