a bit of a crease in the boot floor is nothing, it wont need jigging, bodyshops fix worse things every day. bet it wont cost much to fix if you get the bumper and tailgate yourself.

Jug,

I appreciate you hand out good advice the majority of times but i'm afraid this is not one of them. The reason we pay so much for our insurance is simple. The No win No fee culture i.e. people claiming for injuries that do not exist. Don't do it, take your money and buy another car. If everyone was honest we would all be paying sub £200 for our car insurance and receiving better settlement claims. The american 'sue you culture' is crippling this country and I know its become the way things are done but it is wrong, illegal and fraudulent and we all pay the consequences. To openly discuss and suggest this course of action on an open forum that could be monitored by anyone is not the brightest of things.
Also your suggestion that the poor chap should deal directly with the other insurance company directly is just wrong. We pay Insurance companies for a reason let them do heir job. If we have a bump the normal course of events are as follows:
Inform your own insurance company who arrange for inspection and repair of your vehicle. They then pursue the 3rd party's insurance for payment if it was indeed their fault. Once they have received their money you will then be reimbursed the excess on the policy and you will not lose your no claims bonus.

Cheers Phil

philmgro said:

Jug,

I appreciate you hand out good advice the majority of times but i'm afraid this is not one of them. The reason we pay so much for our insurance is simple. The No win No fee culture i.e. people claiming for injuries that do not exist. Don't do it, take your money and buy another car. If everyone was honest we would all be paying sub £200 for our car insurance and receiving better settlement claims. The american 'sue you culture' is crippling this country and I know its become the way things are done but it is wrong, illegal and fraudulent and we all pay the consequences. To openly discuss and suggest this course of action on an open forum that could be monitored by anyone is not the brightest of things.
Also your suggestion that the poor chap should deal directly with the other insurance company directly is just wrong. We pay Insurance companies for a reason let them do heir job. If we have a bump the normal course of events are as follows:
Inform your own insurance company who arrange for inspection and repair of your vehicle. They then pursue the 3rd party's insurance for payment if it was indeed their fault. Once they have received their money you will then be reimbursed the excess on the policy and you will not lose your no claims bonus.

Cheers Phil

Click to expand...

i agree completely, but doing things the 'proper and fair' way wont help you out in this world, yes if everyone did it your way we'd all have cheaper insurance, but face facts it aint going to happen. we DO pay loads for insurance, people DO claim when they dont really need to, so when you get half a chance you should use the same system that bent you over to pay you back. thats fair. i've been ripped off by insurance companies ever since i started paying insurance, every chance i get i'll claim as much as i can. think of it as a rebate.

if you want to live in disneyland where everyone follows the rules and helps each other thats fine, i prefer to live in the real world where its dog eat dog and you do whatever you can to help yourself. thats real life and it isnt going to change. if you drive into the back of me I already have the full procedure worked out to get maximum compensation, starting with a refusal to get out the car until an ambulance arrives "because my back hurts so much". yes its a lie, yes its wasting the time of emergency services, but yes i'll get paid thousands and yes i think thats fair. then i'll get my solicitor to file a big claim because "i'm too distressed to drive and im now scared of roads and have nightmares and its ruined my life". yes its a lie, yes its increasing the costs of insurance for everyone, but yes i'll get paid thousands and yes i think thats fair. join in or bend over.

I agree with Jug,
If you don't stand up for your right, the others will walk all over you. It's not a perfect world, it's a jungle out there and no one cares about you except your mum.
You pay a lot for insurance companies and you don't benefit from them most of the time.
Also it's not your fault if someone else drove into your car and crashed it, why would you have to loose your car because of someone else's mistake?
Insurance companies are crooks, so it's not wrong to con them especially if it's not your fault and of course if no one will get hurt.
I remember a saying that goes a bit like: "It's totally right to trick a tricker"
Again it's only my own opinion and I don't mean to disrespect anyone

Eight years ago, while I was driving, an eleven year old boy literally ran from the other side of the road and bumped on my driver side door. This was absolutely no fault of mine as the boy ran as if he is comitting suicide. But it was declared as my fault and I had to pay for the compensation and my insurance went up.

Now today after eight years, someone bumped me in the rear. What do you think I will do?

This is cyclic effect. I am honest and dont want anything more than what my rights are. The insurance companies make millions against the compensation they pay out.

Exactly, why do you have to suffer the consequences of other peoples' mistakes and stupidity???
You've done it once, don't do it again... Don't let them walk all over you, to hell with them. What are a couple of thousands compared to the millions they make out of you and all honest people like you every single day???

I am just waiting for the next time someone drives the wrong side of the road on the roundabout near mine three times now i have had to avoid the crash head on with transits and works vans. and I have damaged two tyres running up the grass verge to avoid them.

I am only avoiding due to my 3 yearold being in the car. If he was out I wouldnt hessatate a bit.

just think of the claim a head on collision with a van could get you! you wont have to pretend you've got injuries, the fractures and open wounds will speak for themselves. you'd be minted (if you survive)

jug said:

just think of the claim a head on collision with a van could get you! you wont have to pretend you've got injuries, the fractures and open wounds will speak for themselves. you'd be minted (if you survive)

Click to expand...

I wont injure myself that much trust me mind you I might just get some real cash out of it. I have been injured to the point that most people would be brain dead or have major broken bones including being hit with a scafolding pole so often while being held captive with my flat mate and his pregnant girlfriend kicked in the face and ribs hit on the back and then to get out of the house due to the door being locked with the main lock and this bloke having the keys I bailed out through the front Window head first. then stood up and went across the road to call the police. I cleaned up okay with a few bruses and a bloody nose and he pleaded guilty to asault and had to pay a stupid fine of £100 for the window and do 100 hours comunity service. I didnt even get to go into the court.

Oh and just to add So far I am around the 30 age have no broken bones have been run over by a bus two cars and been rammed at 40 by a driver who thought that a push bike overtaking his Granada was just not game. He Ripped his exhaust off on the bike frame and went right over me. I have also tripple turned nose to tail a ford escort van full of tools My fault I was only 17 and didnt have a licence howeve had been told to sit in the car with the engine running watching a cable in the middle of knowhere. the van was written off and i had a small cut on my hand from a spike sticking out of the ground through the glass.

LOL and I loved every minute of it until the police turned up. The Security company had to pay for putting a non driver with no Provisional in charge of a car.

have you considered a career as a stuntman? its good money and chicks dig scars.

I Have but not recently. I wanted to be a stunt driver when a TV show was on about when the dukes of hassard with the main man called COLT he drove a pickup and was a stunt driver who ended up solving problems., anyone remember what it was called. Oh I remember THE FALL GUY. but lost interest would rather be a cop. cant until iclear my bancrupcy but will keep trying.

good old bankruptcy. its in fashion these days.

It has to be with a mate like I had!

My other half has had to do it as well.