Pillock Posted March 6, 2009 Share Posted March 6, 2009 I love paying increased premiums so that some fat chav can live off their 'whiplash and bad back' payout to buy their lovely new plasma tvWell!I was once in an accident, I was in the back of my mate's 850 T5 when we pulled up behind a car turning right into a side-road. Seconds later a berk in a Ibiza following must have assumed he could pass right through us, and made no effort to stop. Crunch.I went to hospital as a precaution, no major damage apart from a bruise from the seatbelt on my shoulder, and a stiff neck. Apparently as soon as you mention 'neck' they want you in A&E so they don't get shafted if it later transpires you've broken three vertebra or something. Neck actually was really sore the next morning so I had two days off my main job, and three off my pub job but no fake neck brace or anything dodgy.Anyhow. The Ibiza driver was uninsured and on a provisional licence, and the Ibiza untaxed so my mate claimed on his own insurance, and had to fill out details of his passengers. The MIB (who have a fund to pay out against uninsured drivers) sent me a claim form through for 'loss or injury'.... brilliant I thought! I got a letter from both jobs saying how much I was out of pocket (I work on comission for main job, and pub job didn't pay when off sick) and it came to about Ã‚Â£120-odd and posted it back with the form.They then made me a doctors appointment which I thought a bit odd, since i'd put in the letter I'd completely recovered and was back to work after the weekend following the crash. Doctor checked me over and found nothing wrong, as expected. Apart from a fondness for lard and pies, and a snuffly nose.A few weeks pass, they made me an offer. Ã‚Â£1800. WHAAA? I rang to check, they confirmed the amount. I then went on holiday and thus didn't send the form back for a week or so and in that time they assumed I wasn't happy so nudged it up to Ã‚Â£2150. So, whilst you hate the litigation-obsessed society and paying out more to keep the MIB fund topped up, would you refuse two grand? I didn't. I'd like to point out again that I claimed for simply loss of earnings - Ã‚Â£120 or thereabouts. They decided the trauma and stress that the doctor imagined I must have suffered was worth over two thousand more. So in some cases it's not the scum claiming, it's the scummy system that is geared up to dishing out huge sums of money and the doctors who are probably on bonus depending on how much is paid out.And yes, I actually did buy a LCD telly with it! And paid for a years car insurance up front, something I can never normally afford to do. Link to comment Share on other sites More sharing options...
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