I have lost 6 years of no claim bonus as I had very minor car accident?

Hi,


Can anybody tell me why my insurance company have taken 6 years of no claims bonus. I had nine years no claim bonus. I recently drove at 2mph into the back of another driver. No damage was done to either car but the driver I knocked is now claiming for whiplash. As I feel this is just a bogus claim as it would probably be unlikly to recieve whiplash at such a low impact but my insurance say they are just going to pay out as it is obviouly me at fault and are no even going to argue the case but this could take up to 3 years. Now my insurance is up for renewal and we are getting quoted much more than last year due to this claim going on. Is there a set amout of no claims taken from you per accident or can the insurance company take what they feel like. Is there anything I can do to get this accident investgated further to make sure this is a true claim and not just somebody trying to make quick cash from this. I am in the UK so I need to know the %26quot;law of the land%26quot; in UK.


Thanks
I have lost 6 years of no claim bonus as I had very minor car accident?
Your insurance company has to do what you ask. If you want to fight it , you can. However, to prove someone doesn%26#039;t have whiplash would be hard. However, See how much it raises it. If its too much, switch insurances.
I have lost 6 years of no claim bonus as I had very minor car accident?
Everybody seems to think its OK to claim whiplash, but all it does in the long run is cost ever body more money in paying for these fake claims. It makes me MAD ! ! !


Tell your insurance company you disagree and you want them to fight it. As it is fraud. if there is no damage to the car then deny you even touched it.
Reply:Yes, I%26#039;d try quotes from a different insurer in future: try confused.com - A lot of insurance companies will take different amounts of your no claims bonus per incident.


It was your fault, so there%26#039;s no point in questioning their decision or having the accident investigated: People who have accidents claim, that%26#039;s the sad way things are these days, an imported behaviour from the US, and that%26#039;s why our insurance is so dear here to start with.


I have protected no claims, which costs about 拢20 a year: sounds cheap now! You also need to make sure that you have legal protection with yor insurance: If you don%26#039;t, your insurer will NEVER argue the toss with a third party.


The other driver will be paid out by your insurer, so you%26#039;re suffering no further personal financial loss by him claiming for personal injury, so you have nothing to gain by any investigation: You%26#039;ll still be liable for the accident, and if you%26#039;re right about the other driver%26#039;s injury, it%26#039;s only your insurer that wins.
Reply:Not sure this is any help but something similar happened to me. I reversed into a parked car outside a shop. The owner of the car i bumped into saw me do it from within the shop. It was my fault and accepted responsibility at the time. However, 3 months down the line after the accident this woman had a solicitor contact me claiming personal injury??? Now I know and she knows that she wasn%26#039;t even in the car and i told my insurance company so but they never got back to me and like you my premiums doubled overnight! I changed my insurer and to this day i dont know if this woman got a payout for her bogus claim. Good luck.
Reply:Have a read of this for info on No Claims Bonus





http://www.confused.com/buyersguide/no-c...
Reply:HELLO


I HAD AN ACCIDENT WITH A DRIVER, HIS FAULT FOR JUMPING A RED LIGHT. HE DID AS HIS INSURANCE SAID AND DENIED RESPONCIBILITY.


I CONTACTED MY INSURANCE COMPANY.


AS I DID NOT TAKE OUT LEGAL REPRESENTATION WHEN I RENEWED MY INSURANCE PRIOR TO THIS, MY INSURANCE COMPANY DIDN%26#039;T WANT TO KNOW BUT THEY STOPPED MY 50% NO CLAIMS ENTIRELY.


WHEN THE POLICE DID HIM 10 MONTHS LATER AND SENT ME DETAILS OF HIS CONVICTION I WAS THEN ABLE TO USE THAT AS PROOF OF HIS GUILT AS HE HAD ALWAYS DENIED JUMPING THE RED WHICH IS WHAT CAUSED THE ACCIDENT.


I WAS LUCKY AS SOON AS I SENT COPY OF COURT FINDING TO HIS INSURANCE COMPANY I WAS PAID WITHIN 1 WEEK AND I THEN HAD TO SEND A LETTER TO MY COMPANY TO CONFIRM MATER HAD BEEN SETTLED BY WHICH TIME MY POLICY REQUIED RENEWAL AND I GOT MY NO CLAIMS BACK.


IF HE CLAIMS ON YOUR INSURANCE YOU WILL LOOSE SOME OR PART OF YOUR NO CLAIMS


AS YOU DROVE INTO THE BACK OF HIM THEY WILL BLAME YOU BY SAYING YOU SHOULD HAVE BEEN ABLE TO STOP IN TIME AND IF NOT YOU WERE DRIVING TO CLOSE.


YOU OBVIOUSLY DID NOT HAVE PROTECTED NO CLAIMS.


MOST INSURANCE COMPANIES GIVE 10% FOR FIRST 3 YEARS THEN DROP DOWN TO 5% PER YEAR AFTER THAT UNTIL FULL NO CLAIMS IS REACHED THEN YOU GET NO MORE. I AM GUESSING AS I DON%26#039;T KNOW WHAT YOU WERE/WILL BE PAYING.


YOUR INSURANCE COMPANY HAVE DECIDED TO PAY OUT SO NOT ALOT TO BE DONE


THE ONLY CHANCE IS DID HE GO TO HOSPITAL AFTER THE ACCIDENT. IF SO WHERE IS THE BILL FOR THE AMBULANCE


I SPUN ON ICE ONCE AND TOOK A PUSH BIKE SIDEWAYS ONTO THE PAVEMENT


AS HE CLAIMED ON MY INSURANCE I WAS SENT THE BILL FOR THE AMBULANCE. I DIDN%26#039;T NEED ONE SO IT CAN%26#039;T HAVE BEEN FOR MY AMBULANCE
Reply:The thing about a no claims bonus is that you have no legal entitlement to it. It is just a gift the insurers give you to encourage you not to make petty claims, and as it is a gift they can take it away again at will. It is also a no CLAIM bonus, not a no BLAME bonus, and as this character has made a claim and they seem inclined to accept it there%26#039;s not a lot you can do. Apart from shop around, which I%26#039;d strongly suggest.
Reply:firstly find there adress and give them a good kicking to make the extra premiums worth it.....Lucky Ellie couldnt agree more with you.....sponging,whinging,lying,manipula... a$$holes like this make me puke too.oo so i dont get sued allegidly.
Reply:I would personally get in touch with your insurance company and tell them to do their job properly!





If it is true that you only hit him at 2mph and that there is no claim for damage to the car - how the heck can he have whiplash??





What make and model is his car? Because if it is anything built in the last 20 years of so then surely it has head restraints?? The job of the head restraint is to prevent the head going backwards over your shoulders (like looking up at the stars) in the event of a rear end shunt.





It sound like your insurance company %26quot;can%26#039;t be bothered%26quot; i would phone them up EVERY day - find out what they are doing to protect you from this bullsh*tting moron - you are THEIR PAYING CUSTOMER!! You are paying them your hard earned cash and they are not supplying you with the goods!





Good luck and DON%26#039;T back down!