A couple of years ago my husband and I were in our van waiting at a roundabout and a car shunted us from behind. It was a really good hit (the back bumper and doors were all damaged) and we were propelled forward with quite a force. I was 8 months pregnant with dc3 and my tummy got shunted quite forcefully against the seat belt but I made a quick trip a bit later to the maternity dept for a heartbeat monjtorinv and baby was fine.
I had a painful neck that evening but I just took some paracetamol and went to bed. It was achey for a few weeks as if I had slept awquardly on it but generally didnt give me too many problems and I was busy with the new baby and older toddlers. Dh was similar but he hardly complains about anything. We did joke about it at the time and say 'where there is a blame theres a claim!' But we have never intended to do anything like make a claim.
Fast forward to 2 years and we've had so many phonecalls fro agencies wanting to claim on our behalf and Ive always polietly declined. The last one was persistant and explained that on their re ords the insurance company has already put 3k per person for a whiplash clai m.
Ive got to admit that it is tempting. 6k for xmas?
For -
- I did have the required symptoms
- the bloke was an arse and insurance company were horrible to me (demanded that I had to pick up repaired vehicle from garage in 2 hours or incur fees -DH was miles away in work and meant I had to catch two buses to pick up car with 3 day old baby and 2 toddlers)
- Am skint and it would pay for fab xmas, fab holiday and have some savings
Against
- Even though we had sore necks, we werent in agony (6k worth of pain in my opinion would be a LOT) and as everyone is claiming for whiplash -will I just be pushing up the car premiums for evryone else? s