Last christmas when it was really icy and snowy, we were in a big accident in our campervan. We skidded and came to a halt across a country road and then a car came over the brow of the hill at high speed and hit us side-on, drivers side. It was me, DP and DS (10 months at the time) in the car.
The driver who hit us admitted full liability and we then had a horrendous few months trying to get the insurance to pay out for the value of our van which was written off. DP went to the doctors as he had whiplash pain and went through that whole process. There was a lot of confusion and mistakes on the part of the insurance companies and the whole affair was really stressful. We finally got paid enough to buy a new van and DP got some money for his whiplash.
Now I have claims companies ringing me trying to get me to make a claim. It's being going on so long that I finally chatted to them last night. They want me to say that I also had whiplash pain from the accident and they will make a claim on my behalf for which I could get £2000. I would have to go for a medical.
I basically told them no because the whole affair is over. At the time I didn't feel I was injured in the accident and didn't go to the doctor or anything. The impact was on DP's side and he copped most of the force. If I was to make a claim at this stage, I would basically have to fib to the medic to say I had aches and pains for a month after the accident.
So, I told them no but last night after I put the phone down I had second thoughts. Do I deserve this cash after all the hassle and stress we went through trying to get properly compensated for a bad accident that wasn't our fault? On the other hand, I don't want to contribute to insurance premiums going up because of all the fake whiplash claims around.
WWYD?