Police letter after accident HELP!

[Iwa80]

Hi all,

Sorry please help.
A few weeks ago I was driving in heavy traffic, and a car infront of me didn't move forward on a green light but instead reversed and I didn't stop in time. I very lightly possibly clipped the bumper but not 100% certain. The lady in front told me to drive to a side street to assess any damage. We looked and I saw there was a hairline gap on one side of a otherwise fully detached bumper.
Anyway my English isn't very good (someone else writing this thread for me) and I told her to wait for my husband to sort it out. I just gave her my name.

Moments later my husband driving nearby came. As he's the main policyholder, was not in a particularly good mood. We both felt (my husband and I) that we were being swindled by an opportunist claimer.

My husband ordered me to leave, and since i had my small child age 5 who was desperately needing the toilet and wanted to go home I left everything in the hand of my husband. I thought he'd sort it out. I then saw both the lady and my husband were arguing and left the scene. Moments later I rang my husband to ask did he leave her my details. He said no, and then he went straight back to the scene moments later after he'd left too, about 5 mins after me, and found her and gave her our full details.

However in the midst of us leaving the scene she managed to call the police. However in front of the police who were listening on the phone while the call was still live, they heard and therefore witnessed a full exchange of details.

It was never my intention to leave without giving details and because of the pressures of my child, my husbands temper and my broken English I left it to my husband. I am annoyed that he was moronic enough to leave without giving her anything but at least he did go back.

However I have received a letter from the police investigating, and trying to apply 'driving with due care, not stopping at scene, not reporting accident'.... none of which is true because we did stop, exchange details and i reported later to my insurance that evening. With the driving, I am adamant I hardly touched her car.

Incidentally our suspicions were confirmed and the lady has claimed WHIPLASH' from my insurance. The damage to her car was so minimal at speeds of just 2-5mph and looked like it had been done somewhere else. You would have to look hard at her bumper to notice it had been damaged, and the car was a 12 year old Kia Rio, one of the smallest cheapest cars to drive.

I am petrified that despite exchanging details in the end I will still get 6 points on my licence and an extra fine I cannot afford, all because an opportunist wants to ruin our life as much as possible.

Can anyone please advise?

If you and your husband are as argumentative in real life as you are on here, I'm not surprised the other party called the police. You've said yourself you are afraid of him and you left because of that - I would imagine he was extremely intimidating to the other driver.

Chances are it won't come to anything in reality, claiming for whiplash is much harder than it used to be so if she doesn't have provable issues then the claim will fail. But it is entirely possible for even a very small knock to cause lots of non-visible damage as well as whiplash.

Nico

Going to pm you.

😂😂😂
Ah you can't argue with stupid

Nico,

actually it looks like an older Fiesta

This thread is odd.

You hit her car
Your husband was aggressive
You left the scene (even though your husband could have taken your child to the toilet, killing 2 birds with one stone)
You didn't report the accident to the police
You don't think she deserves to have her car fixed because she is young and her car is old.
You moaned about the police doing their job.
You created a thread to ask a question and are then rude to anyone who disagrees with you.

If you and your DH acted at the time like you are here no wonder she went to the police.

Yes I work and absolutley £520 for that is a RIP OFF! That can be painted and polished over with T-CUT it also looks like an older car

Amazing that you can see all of that from one small picture.

Why would it make any difference to you what my car is? I assume you’re just trying to wind me up? Couldn’t care less whether you think I drive an old fiesta or not but you’re giving me a good laugh!

You say that you didn't stop in time-but why were even moving before the car in front did?

A few weeks ago I was driving in heavy traffic, and a car infront of me didn't move forward on a green light but instead reversed and I didn't stop in time

A car reversed at a green light and you were moving forward?

Who is at fault here?

OK for all you people who think I'm argumentative. Hope this massive dysfunctional insurance system continues and if you find yourself trapped in a similar situation as what we experienced, then you only have yourselves to blame for encouraging it.

The average insurance premium these days is £900 per car. The average wage is still around £25-30k a year, so a two car household these days spends an entire months wage just on insurance which is ridiculous. especially when you compare to neighbouring European countries for the 'invisible protection'. Apparently opportunistic claims drives the prices so high... so thanks for helping opportunists!

£900 per car for insurance?

Blimey, maybe it’s that high if you keep rear ending people but I pay under £200 which is a drop in the ocean on my 90k income.

Maybe if it’s all a bit much you could get a bus pass instead?

But you did leave the scene as did your husband without giv8ng her any details , your husband then returned , not you and gave her the details after she had already started telling the police that you had left the scene of an accident . What is so hard to understand .

a miniature hairline gap on a bumper clearly does not give you whiplash at 5mph!

It absolutely can. It happened to me. I was waiting at a roundabout, woman behind was distracted by kids fighting in the back and thought I was moving so went into the back of me at very low speed. There was no damage to my car at all but the pain from the whiplash was immediate. I've never known pain like it. Of course she might be lying but she might also be telling the truth.

I’m confused about the exchange details thing. What details did you give her?

I did move forward slightly though. We were both stationary and the car probably moved at less than 5mph.

How can you both be stationary when you admit the car moved? And the fact that your husband "went back" means that he originally left the scene without leaving details!!!

Oh and it’s not easy to “claim” whiplash. I had an accident when I was struck from behind and had to attend a specialist at the hospital months later for assessment, we actually chatted about chancers and she said you can spot them a mile.

So no, it’s not just something you say you have these days and then get a payout.

Apparently opportunistic claims drives the prices so high... so thanks for helping opportunists!

Leaving accidents initially without exchanging details gets the police involved.

What details did you give her?!

www.technology-assoc.com/articles/whiplash-during-low-speed-impact-fact-or-fraud.html

Research here shows whiplash can occur at 5mph even when a car is undamaged.

So please tell me why I’m an opportunist when I had genuine neck pain and never exaggerated any symptoms?

You really sound like a most unpleasant person OP. Karma is a bitch.

NicNacky,

Full name, address and telephone number.

So you haven’t complied with the law than and are bang to rights.

Oh and it’s reined in btw. Reigned has a totally different meaning.

And I mean that in a genuinely helpful way as I appreciate you said English isn’t your first language. Though you do seem to managing to reply quite well here.

SillySallySingSongs,

as your name suggests probably not beneficial to respond further to you as we won;t get anywhere with you singing about silly songs