I need some understanding and advice on this scenario. Case in brief Car A hit Car B from the back when Car B suddenly stopped apparently in response to Car C. Car B was to state later that his car shunted forward to hit Car C. However during the incidence both Car A and Car B were sandwiched together upon observation. But drivers of Car B and Car C were witnesses to each other in their claims for Whiplash. The Driver to Car C did not show any dent on day of incidence but stated at the premises of the incidence that the impact to Car B led him to have a shock which affected his neck and as a result he would be seeking compensation for Whiplash as he would visit the hospital. Car C had a little child of about 5 years seated in the front passenger seat After the impact and before the Police came to the scene the little child was transferred to the back seat. There is a court proceedings against Driver of Car A in which it appeared that the insurance firms of Driver A and Driver C agreed to settlement on the little child. However, instead of the court proceedings to have been served on the Insurance firm to Car A it was served to the Driver of Car A who never knew about the settlement. The Issue Firstly, Driver of Car A was never informed until the proceedings were served upon her as the defendant. She feels that the claim was false and extremely concerned as to the stigma of such false claim in a court record under her name rather than under the Insurance Company's name. Secondly Car C which had no physical dent, produced a medical expert report that there was moderate impact to Car C and affected the little girl thus the claim of whiplash. The engineering report of Car C demonstrated a slight mark/dent which was never noticed on day of incidence. [Note that there was no single scratch to the front of Car B which was purportedly shunt forward to hit Car C at the back]. Question Even if there is such a slight scratch or dent (which the driver of Car A denied ever seeing such and Car C never said such on the day) can such slight scratch or dent be upgraded to moderate impact as was reported in the medical expert report? What are the probable advice in this circumstance for Driver of Car A who is feeling extremely unhappy that the claim was a false claim and the stigma as to the court proceedings with knowledge that a court record stays forever?

I'm barely 24 years old and after working hard from the age of 13, I decided to treat myself to a new car with my savings after my beloved C2 started turning. Unfortunately a fortnight ago -only having the car 4 months - on the first day of my break after the Christmas season, I was driving along and with all the bad weather - according to the police - lost my back wheels and steering after hitting a bad patch of leaves. This caused me to descend almost 6 ft down a mountain banking - thankfully a tree stopped my car or I wouldn't be here. The fact that my airbags didn't deploy meant I wasn't even driving at a speed, it was just purely environmental coupled with bad luck. after two weeks of inquiring and phoning - something Hastings representatives promised to do back but failed every time -we were told I would be receiving a good offer today. Friday they had sent a decent offer but unfortunately it meant I couldn't replace my car. I explained that I didn't spend most of my savings to end up with a lesser car. Today however, we were fobbed off. Different departments, all who claimed to know nothing of what was going on, to have no information about the Friday conversation and any other information relevant to getting me my car. It would even take 24 hours for a manager to get back to us with a phone call if that was what we wanted. I need to go back to work this week - and there is no public transport to my job. While some of the representatives have been wonderful, 60% have been awful to the point of rude. Back and forth, back and forth on so many occasions, it exhausted me. This poor treatment has even reduced me to tears at an already emotional time - I've never had any incident when driving, I'm lucky to be alive and I've barely slept since. And to top it all off? My excess increased by £200 from what was stated when I took out the policy because I'm under 25 so no matter what I get, I am down a lot more money than originally thought. If I'd known how high the excess would be I don't think I would have taken out the policy. Then the back and forth of "yes you can have a courtesy car" " no you can't." I understood eventually that a write off meant I wasn't entitled and it was in my policy but I didn't need the constant contradiction between staff raising my hopes at some normality. Can someone help me? What do I do? All I want is the money so I can buy my car and for my life to resume as close to normal as soon as possible and for me not to have to phone them again. Surely it doesn't take two weeks for that? Especially when it's not even down to another driver etc.? I just want for everything to be sorted and for peace to resume. Thanks in advance for any/all help!

I am new to your forum and really would appreciate any advice or tips you can give me on the following:- I have been with Swinton Brokers for three years and have renewed my car insurance with them during that period. Last year they renewed it with Aviva at a cheaper price when I complained about the hike in the premium. Two months ago i had a car accident which Aviva judged to be a no fault claim on myside. AI Claims Solution then contacted me initally to arrange hired car but then told me they were taking over the case. I am in a protracted battle with AI Solutions over the poor repair to my car, damage that their network garage caused whilst the car was in their care which i part witnessed and the fact that my car is still unroadworthy as a result of both things. AI Solutions are trying to say all the problems with my car are pre-existing conditions. my car was serviced and MOT 5-6 weeks before the incident. the garage who service my car are prepared to write a letter to say that there were no problems with my car. I had an independent mechanic inspection as agreed with AI Solutions -who knew who ( reputable national firm) was doing it and on what date. They are not happy with the inspection result and are still refusing to repair the damages as listed. I contacted Aviva who refused to intervene even though my insurance policy is with them and have now informed me that they had not directed AI Solutions to take over my case. The third party in the car incident are also with Aviva. I have contact Swinton Brokers who have explained to me that AI Solutions are part of the insurance deal that I took out and Aviva underwrite them. Swinton Brokers have refused to get involved at all and their head office whilst talking to me told me they had emailed my local broker with instructions of what to do. Turns out those instructions were to do nothing that it is up to AI Solutions. I have legal protection with my car insurance package. Legal Advice i have now found out is on the same tel number as for AI Solutions and I can only have access to it when AI Solutions agree to it. I spoke to the legal firm about my situation who sought permission from AI Solutions to advise me. It was denied. AI Solutions told me that the other party had taken full liability for the incident ( in writing) but when I talked to Aviva they told me that the third party are contesting it and seeking a 70/30 result. i have reported this to AI Solutions who have told me they are going to contest it. AI Solutions have told me they have not received my incident form twice now and have asked me to refill the form in for a third time -I will and send it by recorded delivery this time! I have been emailing AI Solutions complaints department where I had lodged a formal complaint. they will verbally tell me one thing but when I push them they write something completely different. They have written that the independent garage inspection that i had undertaken with their agreement and knowledge is not independent because in their eyes the garage have included items on the inspection that are not a direct result of the accident. I have notified the garage who undertook the inspection They are not happy and will be contacting AI Solutions about their allegations. I have written to Ai Soutions staitng that i am concerned that AI Soutions have a conflict of interest due to the fact that they are also responsible for the garage that casued further dmage. Avia have a conflict of interest as bothe aprties i nthe incident are insured with them -so all the costs will go to Aviva. i contacted the Ombudsman who gave me a reference number and I have notified AI Solutions and Swinton Brokers of this fact. Now AI Solutions have agreed to:- Another garage of my choice assessing my car for the reason why it is still pulling to the left; replacement of 2/4 tyres as their own network garage drove my car constantly miles and miles from the scene of the accident repeatedly and have damaged the tyres - they also swopped the tyres round hence damage to all four. They have also agreed to repair two other items listed on the inspection report. I am still driving a hired car. I have asked in writing for AI Solution to tell when they will be completing the repairs on my car, including all works as detailed in the independent inspection report that they have a copy of ple the replacemt of all four tyres that are damaged. I have a feeling they won't do it all. The garage who is doing the repairs has promised to keep me closely informed. I understand that AI Solutions, Aviva, Swintons Brokers and Silver Back Rymer (legal firm) are all a part of Quindells. Where do I stand with the Ombudsman if only part of the repairs are undertaken but not all? What other actions should I be taking? Really would appreciate any advice that you can offer. Many thanks.

Sorry for the longish post, and thanks for reading! These are the facts: I was involved in a collision whilst travelling along a residential 30mph road. I was driving behind a HGV (short-well base delivery type) when I noticed the driver indicating left, slowing right down, started mounting the kerb and parking onto the pavement. I’m forced to slow down, although I did not stop completely. Next I signal and engaged in overtaking the HGV, yet as I was passing over the HGV driver decided to steer back into the road and crashed into my passengers’ side denting both doors. After the incident the driver told me that he noticed a traffic sign on the side of the road and considered that it might prevent him from parking securely. He was going to deliver something at one of the addresses on that road. There were no witnesses. The HGV had some damage to the bumper and lights whilst my car looks like it needs 2 new doors, maybe more. 70/30 is on the cards, yet I feel mugged of my 6 years no claim bonus and utterly cheated. Has the Highway Code changed recently because I cannot see what more could I have done to avoid this incident! Can it be my fault? Or the insurers are just trying it out? Please advice if you can!

When you are awarded a payout as your car is a total loss is the insurance CANCELLED or PAUSED? My car accident firm have said that following the engineers report the car is a total write off, i can buy it back for £600 and will cost £200 to repair. Will my insurance increase when i come to renew and will it continue till it is finished (May 2012). is there anything else i need to be aware of as it will be a CAT D damaged car. also is it possible to find the insurer of the vehicle with a REG NO. only? Regards

Hi,looking for some advice please.heres my story. On october 20th this year i had a collision with anothe car.We both refuse full blame and exchange details.After looking at the damage we both agree minimal damage and will sort our own cars therefor no insurers or police were informed.A few weeks later he gets in touch after finding out his damage is way more than he thought and is now trying to put full blame on me asking me to pay it or call insurers.My company need any crash to be reported within 48 hours or they wont get involved and this is 3 weeks later he comes asking for money.I refuse to pay so he said he will contact my insurers and if they reject his claim he will take me to small claims court.can he do this? i have fixed my car only needed a new headlamp and he says his driver door needs replaced at a cost of £1700 but will accept £1000 if i pay cash as his mate will do the job.How can i prove my innocence as we have no witnesses? I have since found out that as a named driver on his dads policy the kid who was driving uses the car daily as his own so this is clearly 'fronting' but how can i prove that? Really dont know what to do now as i feel if i dont pay i could get into more trouble for not telling anyone about the crash at the time.He said he has not told his insurers but i dont know if that is true.I do feel he may get in more trouble for fronting but i dont know enough about this to be sure. please comment if you know anything that would help me

Hi, I had an minor accident some time back which turned out to be my fault even though the other driver was very fast. i agreed and paid for his repairs as he wanted, and at that time he seems happy with it. To close the case my insurance company had sent numerous letters for him to sign but he hasn't responded to any. now my insurance renewal is due and because he has not yet signed i have to pay additional premium for my renewal. Please can somebody advice is there is way i can sue him/ or legally ask him to pay any additional money i pay because of his negligence? many thanks BTW: i have pictures and all the repair bills from garage. and SMS confirmation of him accepting the repair is done to his satisfaction.

Hi, i am a named driver on my step dads car and I had an accident back in january of this year at a junction, the accident happened on a 20mph at about 10mph or less. there was very little damage to either car just some scratches due to my broken headlight and some paint transfer. the person driving the other car had no apparent injuries, as had either myself, my 3 year old or my ex. i gave my insurance details and thought that would be the end of it However several months later my step farther recieved a solicitors letter stating he was being sued for personal injury as a result of the accident. he expained that it was not him driving the car and had arranged for me to give a statement. Yesterday he recieved a second letter stating that he was being sued for the Injury and that the insurance company will not pay out, and it is best to settle out of court or face further legal costs. Not only should this be in my name but also the date listed as being the accident is incorrect. what should i do?

Hi, i am a named driver on my step dads car and I had an accident back in january of this year at a junction, the accident happened on a 20mph at about 10mph or less. there was very little damage to either car just some scratches due to my broken headlight and some paint transfer. the person driving the other car had no apparent injuries, as had either myself, my 3 year old or my ex. i gave my insurance details and thought that would be the end of it However several months later my step farther recieved a solicitors letter stating he was being sued for personal injury as a result of the accident. he expained that it was not him driving the car and had arranged for me to give a statement. Yesterday he recieved a second letter stating that he was being sued for the Injury and that the insurance company will not pay out, and it is best to settle out of court or face further legal costs. Not only should this be in my name but also the date listed as being the accident is incorrect. what should i do?