As if my troubles weren't enough (see previous thread) I had a minor accident recently. I went into the back of someone at some lights at slow speed. It's always the rear ender who's at fault, so although I admitted nothing I couldn't dispute it.
No damage to her vehicle, minor stuff to mine. All amicable it seemed. I swopped names and addresses with her to be on the safe side, but she said as no damage to her car she wasn't bothered and wouldn't be going to insurance about it. I reported the incident to my insurance company and had my car repaired at my own expense to protect my NCB.
It would seem she did report it as now she's claiming whiplash. I can't believe that this could have happened as we weren't even doing 10MPH, however the witness says I sped into her. The car behind me drove off as soon as he knew no one was hurt (at the time) and wouldn't give me his name. I need his help and have asked the police if there is any CCTV and am waiting on their reply.
I have said to the insurance company that I want to dispute the claim but they've said as she has a doctor's certificate it's hopeless.
I feel as if I have been completely and utterly shafted. I am going to be paying for this on insurance for years to come, as there is no way I can find the £6,000 that her insurance company are asking for myself.
Anyone had this and managed to appeal and win? If so how did you go about it.