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post #11 of 26 (permalink) Old 7th November 2006
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I know I'm repeating everyone else, but as long as you're okay, that's the main thing. The rest is just metal.

But don't be brave and say "oh, I've got a bit of whiplash but it'll pass, I won't bother to claim." That's a mug's game! The whiplash from my M42 accident was still giving me grief on and off several years later. If I'd known that beforehand, I'd have held out for more than the couple of grand that they offered first time around. Also, don't take this to an ordinary solicitor (I let our usual works one sort it out) as they don't know what they're doing, and they're not really interested in getting the best settlement. Go for a specialist ambulance-chasing rottweiller and let them loose on the insurance companies.

Just don't think you're doing anyone any favours by not claiming. If you don't, then you're just subsidising everyone else's claims with your own premiums. Don't pretend that your injuries are any worse than they are, but make sure you get paid out at the going rate for what's actually happened. You can use the money to buy a better car, go on holiday, or even cover your insurance premiums for a short while, which are sky high thanks to the huge numbers of people who feign injury at the slightest bump.

And I know it's too late now, but with hindsight there's no way I'd go to A&E with whiplash. I was in a fair amount of pain and was hoping for some half-decent pain killers. Instead, I got treated like a total timewaster, left for four hours, then seen for approximately 30 seconds and told to take paracetamol. So in future, I'll be going to a private hospital to be assessed (the following day if necessary) and charging the bill to the insurance company.
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post #12 of 26 (permalink) Old 7th November 2006
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Glad to hear you are ok'ish. Them Lagunas are strong cars. I got hit by a MGF in the rear (oo-er) doing about 60 whilst I was stationary, knoked me forwards 2 car lengths even though I had the brakes on. MGF write off, my Laguna Driveable. At the end of the day they can be replaced you can't.
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post #13 of 26 (permalink) Old 7th November 2006
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Hope you are up and about and starting to feel better Huw.........but take things easy.
Take on board the advice from people like Horatio, set things in motion - form filling can't be avoided I'm afraid and best done when things are still fresh in your mind. And when all the stuff is sent, sleep is a good healer!
Keep us all up to speed as to your recuperation.

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post #14 of 26 (permalink) Old 7th November 2006 Thread Starter
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Can somone help me here?

I'd like some idea on how this will proceed with the insurance company. Basically the guy pulled out from a minor road in front of me, the guy did not accept liability and accused me of speeding (which I wasn't) Now he can't proove my speed, but from the damage to both vehicles and the marks on the road/damage to road signs you can see where I hit him and the evasive action I took to avoid him. (I have photos of all of this except his van)

Im pretty sure it sais in the highway code or somthing to never admit liability even if its your fault. Is it likely the insurance companies will send a survey team to look at the scene?

I went back to the scene, where my car left the road I was 10 inches off hitting a much bigger metal sign with thicker poles holding it up

I'm only TPFT (had planned to change to fully comp) and have a feeling this is goin to drag out for a long time and i'll be without my car for a long time. I do have a backup car so to speak, but its not really the point.

Any thoughts , most appreciated!


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post #15 of 26 (permalink) Old 7th November 2006
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Were the police called to the scene? They'll probably have to say who's at fault, if there's a dispute between you and the other driver.
I'd get straight onto your solicitor with his details and see about getting a claim put into motion. Just my 2 cents

lfl , lk02 , rip

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