I was hit from behind at a roundabout yesterday. I was stationary. I spoke to the other driver, who does not want to go through insurance, but exchanged details anyway. I notified police and my insurer.
Within 20 mins I had mild pain in my back. After 6 hours it was a bit worse, and my shoulder/ neck started to get stiff and sore. Much worse today but manageable pain - paracetamol is fine.
Car is possibly a write off, but it's a really good car. It's only worth about 1500, and the damage is likely to be 2000. I will never get a car as good for that.
Because of the high cost, I can't imagine the other driver will be able to keep it off insurance.
If insurance write it off and give the value if the car, can I use that money towards repair? Also, if it turns out I can't work on Monday (very physical job involving lots of lifting) can I claim lost wages without going through a personal injury claim?
Yes you can take the money and use it to repair the car. However, you will have to buy the car back from the insurer. If you want to go down this route you should tell the insurance company as early as possible.
As for the injury, I don't see why you wouldn't want a personal injury claim. That is how you get compensated for your injury. The other driver's insurance will pay so it shouldn't affect your insurance premium.
Go to your gp on Monday, or a walk in tomorrow if it's bad. You may need this as evidence of injury. Do you have legal cover with your insurance? I claimed a few years ago and private physio was sorted and claimed from other party. You will need to keep records of all time off sick etc. Give your insurers a ting and ask for some advice
I wouldn't write off the idea of claiming for your injury because you feel bad for the other driver. From what you've said it sounds like it will go through their insurance anyway for the vehicle repairs so their premiums will be going up anyway. Insurance is there to cover injuries and you may find you are symptomatic for many months look after yourself
I had same accident. I did go through insurance and lucky l did really. My car wasn't too badly damaged but once the bumper was removed there was a lot more hidden damage. I did go to the GP as l had pins and needles in my arm and l also couldn't work the following week as too sore.
My car insurance claimed compensation for my injuries. It wasn't a massive amount compared to what some can get (£1000), but it paid for a few massages.