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Can I Claim for my Injuries?

By: Tracy Whitelaw - Updated: 27 Jul 2016 | comments*Discuss
Collision Insurance Claim Insurer Bogus


My car was in the fast lane on the M1 in leicestershire. The car two cars in front - with no warning stopped dead! No reasons or witnesses seeing anything.

The car in front plus the middle car told me and my passenger to "go - just go" but we stayed to see if all were ok - they were. They didn't want insurance details or to report it. Then I hear that the middle car had claimed against me.

The police said that it was a scam - but my passenger and I both got whiplash and I have a trapezius rip in my left side. What can I do?

(Mr David Notley, 14 October 2008)


There are a number of car accident scams in existence and many people are victim to these without even realising at the time. It isn't until much later when they hear that they've had a claim made against them that they realise that something just isn't quite right with the collision they were involved in. At this stage, it is often too late to do much about it, as generally there will have been no witnesses and little interaction between the driver and the scammer. In this instance, although it's impossible to say whether there was definitely a scam taking place, it does sound as though you may be a victim of an organised collision. Due to this, there are a few options that can be taken to try and ensure that you are not out of pocket.

The first task you must do is to speak to your insurers. You need to find out from them if you have any kind of legal expenses cover. You can use this to make a claim yourself and if you have it, they'll be able to inform you on the details of it. You must make it known to your insurers that you believe the incident you were involved in was part of a scam. They will be aware of these types of issues and will no doubt have dealt with them before.

In order to help your claim, you should pass on the information about the police also believing that you were involved in a hit and run scam. They will know of numerous bogus claims scams and will generally have a fairly set process arranged in how to deal with these.

Due to your claim that you have suffered an injury in this collision, there's a very good chance that you are able to make some kind of counter claim. Your insurers will be able to advise you on this. What you need to be very careful of is that the middle car driver who is claiming against you doesn't call on the front car driver as a witness.

If you can, write down all the details of the incident as you recall them and get your passenger to do the same separately. Make sure that you keep this information and give a copy to your lawyers. You have a witness in the form of your passenger and with you both claiming, it could make a big difference to the overall result.

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Hi,PLEASE ADVISE ME!!i recently had a motorbike accident. On 20th july after receiving my new motorbike, i found an insurance company and paid a deposit and set up my monthly D/D. I asked if i was now insured and was advised i was and all details are on the way to me. A few hours later i decided to go out for my much looking forward to a ride on my new bike. I was met my a company van (will not mention the company)who was reversing on my side of the road on a blind corner, (he missed his turning), fortunately i ws going slow as it was a blind corner, but i still went into the back of him. The company has accepted liability but i was not happy with what they had to offer me. They offered to repair my bike, (which is unrepairable) the van went over and crushed the front end. They wanted to quietly sort it out, but i chose to contact my insurance company who have now said i need to accept what the company is offering as my insurance did not begin until the 21st July. I bought on the 20th july in the morning but the insurance started at midnight on 21st July. Not sure why they are saying this as i was advised i ws insured and when the police called the company they confirmed and gave the police a ref number saying i was insured. Not sure what to do.???
bees - 27-Jul-16 @ 2:01 PM
Hi my brother was recently knocked of his bike in a hit and run he is only covered for tpft but had legal cover on his policy, I was just wandering where and what he was entitled to claim for as he has some bad injuries where he was hospitalised he is also self employed so can not work . Looking for advice can you please email me back thanks
Fi fi - 5-Aug-14 @ 6:09 PM
I knocked a woman over who stepped out between stationary traffic. Five witneses and police all agree pedestrian was at fault , now ive found out she is claiming against me how can this be i have no damage to car . Yes she has broken collar bone can she claim or will it be dismissed cant get answer of insurance yet .
stu1875 - 20-Nov-13 @ 2:54 PM
My 18 year daughter swerved to miss an oncoming vehicle that was on the wrong side of the road, she hit a wall, the other vehicle didnt stop & theres no witnesses or CCTV.The car is a right off , shes got neck strain, &back bruising, . Her insurance is only third party, so shes lost her car , if we go through the insurance for the wall ,next year they will increase her insurance by £3000, but the accident was not her fault, can you advise please
smithy - 17-Oct-13 @ 1:58 PM
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