Backed into another car, they're claiming whiplash

petemc · 24-08-2006, 18:46

I was looking for Knowsley Community College as I had a photo shoot to do there that day. I was driving down the road and I saw a sign for what looked like the place. I stopped the car just after the sign. I was looking at the sign and the building to see if it was the place and I saw a car go past mine in the corner of my eye. I decided to reverse a bit to properly read the sign. I checked my rear view mirror and it was empty. I then put the car into reverse and checked my right hand mirror which was also empty so I reversed slowly. I then heard a bump sound and checked my rear view mirror to see the woman's car behind me. My airbags didn't go off either as I wasn't moving fast enough. Hers didn't either. I only reversed about a meter or so at a very slow speed. Based on her angle the right hand side of my bumper would have touched the area close to the door handle or near her tire. There is no damage to my car but there is what looks like tire marks and a small scratch around the right hand side of my bumper.

I moved my car forward and while I could see some damage to her drivers door, based on the angle that she entered the drive way I couldn't have caused that as it was too far forward on the car. The right hand side of my car would have hit hers, not the left hand side. She got out and explained to me that she only had 3rd party insurance. Another woman was also with her but she didn't identify herself so I do not know if she was a passenger or the driver of another car. They took my name, number, and insurance company and left without giving me any information on who either of them were.

From the design of the road there would not have been enough space for me to pickup any speed. There was a speed bump on the road just by the college. If my car was ahead of that ramp then I would have had to slow down to go over it and I would have been so far away from her car that I would have been looking in my rear view mirror. If my car was on the bump then I would have done the same. If either of these scenarios were where I was parked then she would have had enough time to have moved out my way. However, I was before the speed bump and there wasn't sufficient distance for me to have built up any real speed to cause any real damage or even whiplash.

So it looks like I might loose my no-claims over a golf ball sized dent that I may or may not have caused. I was too stressed to deal with the accident properly. I was trying to get to the shoot, which I was worried about. I should have gotten out my car, taken shots there and then.

The road. You can see how close to the drive the speed bumps are. Theres no space for me to build up any real speed.

My car, undamaged.

petemc · 24-08-2006, 18:46

How it happened, from my point of view.

Stan_Lite · 24-08-2006, 19:00

Your diagram looks pretty comprehensive. If the leech tries to claim compensation for whiplash, your diagram should prove that there was insufficient distance to pick up enough speed to cause such an injury.

Sounds like she's trying it on.

Stan

petemc · 24-08-2006, 19:03

Aye. I'm hoping the photos of the road will prove how little speed I could have gained.

Matblack · 24-08-2006, 19:06

Damn shame you couldn't get her details so you could do it privately

However you may never hear from her again, I've had this happen and never heard from the chap I suspect that he wasn't actually insured and was keen that I or the police didn't find this out.

MB

petemc · 24-08-2006, 19:08

I forgot to mention that she's already contacted my insurance company about it. She's only got 3rd party. 3hrs after calling my insurance company her solicitor then called them about whiplash.

Matblack · 24-08-2006, 19:13

I'd hope she didn't have a hope in hell of getting a whiplash claim what a bloody bitch people like her are the reason insurance is so ****ing expensive in this country.

Did you protect your NCB? How many years do you have?

MB

petemc · 24-08-2006, 19:15

I stupidly didn't. I've got 2. Its not a huge ammount to loose, but still annoying.

rich99 · 24-08-2006, 19:41

I don't see any way she could have sustained any kind of injury from that - it's much akin to clipping a kerb on a corner and you don't get whiplash from that

I clipped a concrete-filled oildrum one morning in my old car when I was in a hurry to get into work, damaged the door and wheel arch badly and made the car kick out quit a bit but certainly not with the force you'd expect in a whiplash situation

If all she's got is a slight scuff and scratch then she has to be trying it on for sure

petemc · 25-08-2006, 01:09

Yeah thats what I've been saying to my insurance company and parents. Its really stupid and I'm going to call my insurance peeps tomorrow for any news.

24-08-2006, 18:46	#1
petemc Moonshine Join Date: Jul 2006 Location: Nr Liverpewl Posts: 4,371	Backed into another car, they're claiming whiplash I was looking for Knowsley Community College as I had a photo shoot to do there that day. I was driving down the road and I saw a sign for what looked like the place. I stopped the car just after the sign. I was looking at the sign and the building to see if it was the place and I saw a car go past mine in the corner of my eye. I decided to reverse a bit to properly read the sign. I checked my rear view mirror and it was empty. I then put the car into reverse and checked my right hand mirror which was also empty so I reversed slowly. I then heard a bump sound and checked my rear view mirror to see the woman's car behind me. My airbags didn't go off either as I wasn't moving fast enough. Hers didn't either. I only reversed about a meter or so at a very slow speed. Based on her angle the right hand side of my bumper would have touched the area close to the door handle or near her tire. There is no damage to my car but there is what looks like tire marks and a small scratch around the right hand side of my bumper. I moved my car forward and while I could see some damage to her drivers door, based on the angle that she entered the drive way I couldn't have caused that as it was too far forward on the car. The right hand side of my car would have hit hers, not the left hand side. She got out and explained to me that she only had 3rd party insurance. Another woman was also with her but she didn't identify herself so I do not know if she was a passenger or the driver of another car. They took my name, number, and insurance company and left without giving me any information on who either of them were. From the design of the road there would not have been enough space for me to pickup any speed. There was a speed bump on the road just by the college. If my car was ahead of that ramp then I would have had to slow down to go over it and I would have been so far away from her car that I would have been looking in my rear view mirror. If my car was on the bump then I would have done the same. If either of these scenarios were where I was parked then she would have had enough time to have moved out my way. However, I was before the speed bump and there wasn't sufficient distance for me to have built up any real speed to cause any real damage or even whiplash. So it looks like I might loose my no-claims over a golf ball sized dent that I may or may not have caused. I was too stressed to deal with the accident properly. I was trying to get to the shoot, which I was worried about. I should have gotten out my car, taken shots there and then. The road. You can see how close to the drive the speed bumps are. Theres no space for me to build up any real speed. My car, undamaged.

24-08-2006, 19:00	#3
Stan_Lite Stan, Stan the FLASHER MAN! Join Date: Jul 2006 Location: In bed with your sister Posts: 5,483	Your diagram looks pretty comprehensive. If the leech tries to claim compensation for whiplash, your diagram should prove that there was insufficient distance to pick up enough speed to cause such an injury. Sounds like she's trying it on. Stan __________________ Just because I have a short attention span doesn't mean I...

24-08-2006, 19:06	#5
Matblack Baby Bore Join Date: Jun 2006 Location: Svalbard Posts: 9,770	Damn shame you couldn't get her details so you could do it privately However you may never hear from her again, I've had this happen and never heard from the chap I suspect that he wasn't actually insured and was keen that I or the police didn't find this out. MB __________________ "we had roots that grew towards each other underground, and when all the pretty blossom had fallen from our branches we found that we were one tree and not two"

24-08-2006, 19:13	#7
Matblack Baby Bore Join Date: Jun 2006 Location: Svalbard Posts: 9,770	I'd hope she didn't have a hope in hell of getting a whiplash claim what a bloody bitch people like her are the reason insurance is so ****ing expensive in this country. Did you protect your NCB? How many years do you have? MB __________________ "we had roots that grew towards each other underground, and when all the pretty blossom had fallen from our branches we found that we were one tree and not two"

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24-08-2006, 19:03	#4
petemc Moonshine Join Date: Jul 2006 Location: Nr Liverpewl Posts: 4,371	Aye. I'm hoping the photos of the road will prove how little speed I could have gained.

24-08-2006, 19:08	#6
petemc Moonshine Join Date: Jul 2006 Location: Nr Liverpewl Posts: 4,371	I forgot to mention that she's already contacted my insurance company about it. She's only got 3rd party. 3hrs after calling my insurance company her solicitor then called them about whiplash.

24-08-2006, 19:15	#8
petemc Moonshine Join Date: Jul 2006 Location: Nr Liverpewl Posts: 4,371	I stupidly didn't. I've got 2. Its not a huge ammount to loose, but still annoying.

24-08-2006, 19:41	#9
rich99 Long Island Iced Tea Join Date: Aug 2006 Location: Stratford-upon-Avon Posts: 195	I don't see any way she could have sustained any kind of injury from that - it's much akin to clipping a kerb on a corner and you don't get whiplash from that I clipped a concrete-filled oildrum one morning in my old car when I was in a hurry to get into work, damaged the door and wheel arch badly and made the car kick out quit a bit but certainly not with the force you'd expect in a whiplash situation If all she's got is a slight scuff and scratch then she has to be trying it on for sure

25-08-2006, 01:09	#10
petemc Moonshine Join Date: Jul 2006 Location: Nr Liverpewl Posts: 4,371	Yeah thats what I've been saying to my insurance company and parents. Its really stupid and I'm going to call my insurance peeps tomorrow for any news.