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Had an Accident?
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By (user no longer on site) OP
over a year ago
|
Working from home today and have to confess to switching the TV on in the background. Then turning it off after 20 minutes!
Not a regular watcher ofdaytime TV - but can't help notice the sheer volume of ads promising you thousands in compensation for your "accident"!!
Now i've just checked in the dictionary and found this definition.
"an undesirable or unfortunate happening that occurs unintentionally and usually results in harm, injury, damage, or loss."
The key word to me here is 'unintentionally'. Surely if this is the case then there is no-one to pursue for damages? If there's no intent - is there any blame?
I'm a firm believer that the 'compensation culture' from over the pond has had a severely detrimental effect to society over here. Accident solicitors have become nothing more than amulance chasers, promising cash for your misery, whilst making themselves a tidy profit in the process. The only losers it seems are those paying ever increasing insurance premiums - largely those that wouldn't dream of fudging an insurance claim, or sueing someone who intended them no harm just to make a quick buck!
I know it's not official 'Rant' day til tomorrow - but i'd love to see these adverts banned from the TV - if there's a genuine need for legal action i'm sure people can find themselves the appropriate help without being encouraged into claiming for every bruised knee or dented ego.
And don't get me started on pay day lenders! Grrrrrrrrrrr!
Going for a soothing cig now - carry on folks - nothing to see here!  |
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By (user no longer on site) OP
over a year ago
|
"Have you missed the Stoptober ads?
Daytime ads are atrocious."
Never gonna happen!
Although in the interests of helping others - i'll gladly pop round and pick up any horrible, nasty cigs you don't want anymore!
I'm ever the thoughtful one!  |
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By (user no longer on site)
over a year ago
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I don't watch tv in the daytime, would rather have the radio on in the background if I am home alone!
Can't be doing with day time tv!!
You wait till all the Christmas adverts start  |
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By (user no longer on site) OP
over a year ago
|
"I don't watch tv in the daytime, would rather have the radio on in the background if I am home alone!
Can't be doing with day time tv!!
You wait till all the Christmas adverts start "
I go into hibernation as soon as they start - and don't come out til it's warmer! |
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By *icketysplitsWoman
over a year ago
Way over Yonder, that's where I'm bound |
"I don't watch tv in the daytime, would rather have the radio on in the background if I am home alone!
Can't be doing with day time tv!!
You wait till all the Christmas adverts start "
The toy ads have begun already. Half term is when they really crank it up. |
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By (user no longer on site) OP
over a year ago
|
"In a&e there are countless ads for these too!"
That pisses me off too!
Next thing they'll be hanging around the door handing out business cards like they do in shopping centres!
I had great fun the other day winding up one of those - told them about a nasty accident i'd had resulting in whiplash and time off work/loss of earnings (all pure fiction!) - you should have seen them drooling and reaching for forms!!
They kind of shut up when I explained later that it was a van with their logo on that had caused said ficticous accident!  |
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"In a&e there are countless ads for these too!
That pisses me off too!
Next thing they'll be hanging around the door handing out business cards like they do in shopping centres!
I had great fun the other day winding up one of those - told them about a nasty accident i'd had resulting in whiplash and time off work/loss of earnings (all pure fiction!) - you should have seen them drooling and reaching for forms!!
They kind of shut up when I explained later that it was a van with their logo on that had caused said ficticous accident! "
Haha!! Shame it was fictitious really, that would have been an interesting case. Might slam my brakes on infront of one just to see how much they would be willing to sue them selfs! |
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By (user no longer on site) OP
over a year ago
|
"In a&e there are countless ads for these too!
That pisses me off too!
Next thing they'll be hanging around the door handing out business cards like they do in shopping centres!
I had great fun the other day winding up one of those - told them about a nasty accident i'd had resulting in whiplash and time off work/loss of earnings (all pure fiction!) - you should have seen them drooling and reaching for forms!!
They kind of shut up when I explained later that it was a van with their logo on that had caused said ficticous accident!
Haha!! Shame it was fictitious really, that would have been an interesting case. Might slam my brakes on infront of one just to see how much they would be willing to sue them selfs! "
Genius idea! I'm gonna go hang out down the shopping centre later and wait til closing time! Then follow them to wherever they park. Wait in my car overnight and see how good their brakes are in the morning!!
I can see the cheque in the post now! |
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"In a&e there are countless ads for these too!
That pisses me off too!
Next thing they'll be hanging around the door handing out business cards like they do in shopping centres!
I had great fun the other day winding up one of those - told them about a nasty accident i'd had resulting in whiplash and time off work/loss of earnings (all pure fiction!) - you should have seen them drooling and reaching for forms!!
They kind of shut up when I explained later that it was a van with their logo on that had caused said ficticous accident!
Haha!! Shame it was fictitious really, that would have been an interesting case. Might slam my brakes on infront of one just to see how much they would be willing to sue them selfs!
Genius idea! I'm gonna go hang out down the shopping centre later and wait til closing time! Then follow them to wherever they park. Wait in my car overnight and see how good their brakes are in the morning!!
I can see the cheque in the post now! "
Carpool and split the profits? (in my favor of course!)  |
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By (user no longer on site) OP
over a year ago
|
"In a&e there are countless ads for these too!
That pisses me off too!
Next thing they'll be hanging around the door handing out business cards like they do in shopping centres!
I had great fun the other day winding up one of those - told them about a nasty accident i'd had resulting in whiplash and time off work/loss of earnings (all pure fiction!) - you should have seen them drooling and reaching for forms!!
They kind of shut up when I explained later that it was a van with their logo on that had caused said ficticous accident!
Haha!! Shame it was fictitious really, that would have been an interesting case. Might slam my brakes on infront of one just to see how much they would be willing to sue them selfs!
Genius idea! I'm gonna go hang out down the shopping centre later and wait til closing time! Then follow them to wherever they park. Wait in my car overnight and see how good their brakes are in the morning!!
I can see the cheque in the post now!
Carpool and split the profits? (in my favor of course!) "
Could be a long stakeout - bad weather will help the 'accident' look more genuine!
I'll bring the coffee - you bring the donuts! |
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"In a&e there are countless ads for these too!
That pisses me off too!
Next thing they'll be hanging around the door handing out business cards like they do in shopping centres!
I had great fun the other day winding up one of those - told them about a nasty accident i'd had resulting in whiplash and time off work/loss of earnings (all pure fiction!) - you should have seen them drooling and reaching for forms!!
They kind of shut up when I explained later that it was a van with their logo on that had caused said ficticous accident!
Haha!! Shame it was fictitious really, that would have been an interesting case. Might slam my brakes on infront of one just to see how much they would be willing to sue them selfs!
Genius idea! I'm gonna go hang out down the shopping centre later and wait til closing time! Then follow them to wherever they park. Wait in my car overnight and see how good their brakes are in the morning!!
I can see the cheque in the post now!
Carpool and split the profits? (in my favor of course!)
Could be a long stakeout - bad weather will help the 'accident' look more genuine!
I'll bring the coffee - you bring the donuts! "
Cookies make less mess! And long? Shall I bring the cards |
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By (user no longer on site) OP
over a year ago
|
"In a&e there are countless ads for these too!
That pisses me off too!
Next thing they'll be hanging around the door handing out business cards like they do in shopping centres!
I had great fun the other day winding up one of those - told them about a nasty accident i'd had resulting in whiplash and time off work/loss of earnings (all pure fiction!) - you should have seen them drooling and reaching for forms!!
They kind of shut up when I explained later that it was a van with their logo on that had caused said ficticous accident!
Haha!! Shame it was fictitious really, that would have been an interesting case. Might slam my brakes on infront of one just to see how much they would be willing to sue them selfs!
Genius idea! I'm gonna go hang out down the shopping centre later and wait til closing time! Then follow them to wherever they park. Wait in my car overnight and see how good their brakes are in the morning!!
I can see the cheque in the post now!
Carpool and split the profits? (in my favor of course!)
Could be a long stakeout - bad weather will help the 'accident' look more genuine!
I'll bring the coffee - you bring the donuts!
Cookies make less mess! And long? Shall I bring the cards "
Chocolate hob nobs and you're on!
Although I always lose at strip poker!
Strange - as when clothes aren't at risk I usually win!  |
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"In a&e there are countless ads for these too!
That pisses me off too!
Next thing they'll be hanging around the door handing out business cards like they do in shopping centres!
I had great fun the other day winding up one of those - told them about a nasty accident i'd had resulting in whiplash and time off work/loss of earnings (all pure fiction!) - you should have seen them drooling and reaching for forms!!
They kind of shut up when I explained later that it was a van with their logo on that had caused said ficticous accident!
Haha!! Shame it was fictitious really, that would have been an interesting case. Might slam my brakes on infront of one just to see how much they would be willing to sue them selfs!
Genius idea! I'm gonna go hang out down the shopping centre later and wait til closing time! Then follow them to wherever they park. Wait in my car overnight and see how good their brakes are in the morning!!
I can see the cheque in the post now!
Carpool and split the profits? (in my favor of course!)
Could be a long stakeout - bad weather will help the 'accident' look more genuine!
I'll bring the coffee - you bring the donuts!
Cookies make less mess! And long? Shall I bring the cards
Chocolate hob nobs and you're on!
Although I always lose at strip poker!
Strange - as when clothes aren't at risk I usually win! "
Done!
Never played strip poker 
But if it's 5 card I don't have any concerns! |
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By (user no longer on site)
over a year ago
|
Never watch TV during the day or any adverts when we watch TV, which is very rare.
However with M at home today we've found things to entertain ourselves, intentionally
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By (user no longer on site) OP
over a year ago
|
"Never watch TV during the day or any adverts when we watch TV, which is very rare.
However with M at home today we've found things to entertain ourselves, intentionally
"
What are you claiming for?
Falling off a spinning stool or a slippery sofa? |
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By *icketysplitsWoman
over a year ago
Way over Yonder, that's where I'm bound |
"Never watch TV during the day or any adverts when we watch TV, which is very rare.
However with M at home today we've found things to entertain ourselves, intentionally
"
Have you been playing ping pong again? |
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By (user no longer on site)
over a year ago
|
In answer to your question though: Here's some guff!
"Experts in the field of injury prevention avoid use of the term 'accident' to describe events that cause injury in an attempt to highlight the predictable and preventable nature of most injuries. Such incidents are viewed from the perspective of epidemiology - predictable and preventable." |
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By (user no longer on site)
over a year ago
|
"Never watch TV during the day or any adverts when we watch TV, which is very rare.
However with M at home today we've found things to entertain ourselves, intentionally
What are you claiming for?
Falling off a spinning stool or a slippery sofa? "
Nope I am claiming for dry cleaning costs
As M accidentally on purpose made a mess  |
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By (user no longer on site)
over a year ago
|
"Never watch TV during the day or any adverts when we watch TV, which is very rare.
However with M at home today we've found things to entertain ourselves, intentionally
Have you been playing ping pong again?"
Yes blindfolded, not a good idea |
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By (user no longer on site) OP
over a year ago
|
"In answer to your question though: Here's some guff!
"Experts in the field of injury prevention avoid use of the term 'accident' to describe events that cause injury in an attempt to highlight the predictable and preventable nature of most injuries. Such incidents are viewed from the perspective of epidemiology - predictable and preventable.""
I can understand this!!
For example - I predict that if you were to stroll down your local high street whilst wearing your wonder woman knickers, drop something and bend to pick it up - there may be the odd predictable accident in a few male OAP's Y-fronts!
Avoidable - simply by not going out and instead staying home and shagging all day!
Simples!  |
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By (user no longer on site)
over a year ago
|
"In answer to your question though: Here's some guff!
"Experts in the field of injury prevention avoid use of the term 'accident' to describe events that cause injury in an attempt to highlight the predictable and preventable nature of most injuries. Such incidents are viewed from the perspective of epidemiology - predictable and preventable."
I can understand this!!
For example - I predict that if you were to stroll down your local high street whilst wearing your wonder woman knickers, drop something and bend to pick it up - there may be the odd predictable accident in a few male OAP's Y-fronts!
Avoidable - simply by not going out and instead staying home and shagging all day!
Simples! "
Brilliant, problem solved and no one can sue me for their accidental heart attack
Some blokes in a van yesterday nearly caused an accident, I was walking across a zebra crossing, they were two cars behind and repeatedly beeped the horn at me and shouted a few things, the other drivers were not happy.
So who should they sue? Me or the van driver? |
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By (user no longer on site)
over a year ago
|
Whilst I agree that these adds are disgraceful and should be regulated, some of these companies are good.
They do provide a route to seek assistance in obtaining legal advice in a situation where they may be entitled to some form of compensation. The cost of such advice may be out of the reach of some, without these companies being around.
The idea of liability insurances are there to pay out in the event that it can be proven in a court of law that you were a victim of someone's negligence.
For axample your definition of accident is true. However if I drive into the back of you, I may not have done it deliberately to hurt you, but I have been negligent in not driving far enough behind you to allow me to stop safely without colliding with you.
Therefore why should someone not be compensated for their loss of earnings, and cost of rehabilitation?
|
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By (user no longer on site)
over a year ago
|
"Never watch TV during the day or any adverts when we watch TV, which is very rare.
However with M at home today we've found things to entertain ourselves, intentionally
What are you claiming for?
Falling off a spinning stool or a slippery sofa?
Nope I am claiming for dry cleaning costs
As M accidentally on purpose made a mess "
To be fair though, you did swallow most of the mess. 
M |
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By (user no longer on site)
over a year ago
|
"Whilst I agree that these adds are disgraceful and should be regulated, some of these companies are good.
They do provide a route to seek assistance in obtaining legal advice in a situation where they may be entitled to some form of compensation. The cost of such advice may be out of the reach of some, without these companies being around.
The idea of liability insurances are there to pay out in the event that it can be proven in a court of law that you were a victim of someone's negligence.
For axample your definition of accident is true. However if I drive into the back of you, I may not have done it deliberately to hurt you, but I have been negligent in not driving far enough behind you to allow me to stop safely without colliding with you.
Therefore why should someone not be compensated for their loss of earnings, and cost of rehabilitation?
"
A while ago (2006) I was a passenger in a car when we had pulled up to a roundabout, driver had to wait, a woman smashed into the back of our vehicle.
She immediately got out and said sorry she wasn't concentrating.
However as she hit us at 40 mph, I at the time suffered from a back injury.
When I claimed, she soon changed her story and said the driver rolled backwards.
Well the ground was flat, so not possible.
After 5 years I got compensation, only because the company I used proved the driver to be a complete liar, she made up other things.
So in my eyes, this may have been an "accident", but it was intentional as she was driving without due care and attention. |
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By (user no longer on site) OP
over a year ago
|
"Whilst I agree that these adds are disgraceful and should be regulated, some of these companies are good.
They do provide a route to seek assistance in obtaining legal advice in a situation where they may be entitled to some form of compensation. The cost of such advice may be out of the reach of some, without these companies being around.
The idea of liability insurances are there to pay out in the event that it can be proven in a court of law that you were a victim of someone's negligence.
For axample your definition of accident is true. However if I drive into the back of you, I may not have done it deliberately to hurt you, but I have been negligent in not driving far enough behind you to allow me to stop safely without colliding with you.
Therefore why should someone not be compensated for their loss of earnings, and cost of rehabilitation?
A while ago (2006) I was a passenger in a car when we had pulled up to a roundabout, driver had to wait, a woman smashed into the back of our vehicle.
She immediately got out and said sorry she wasn't concentrating.
However as she hit us at 40 mph, I at the time suffered from a back injury.
When I claimed, she soon changed her story and said the driver rolled backwards.
Well the ground was flat, so not possible.
After 5 years I got compensation, only because the company I used proved the driver to be a complete liar, she made up other things.
So in my eyes, this may have been an "accident", but it was intentional as she was driving without due care and attention."
Surely driving too close, on your phone - or generally in any 'negligent' way - means the resultant incident was not accidental, but caused by someones inability to act in a proper manner whilst driving?
Uncontrollable incidents - a black cat running in front of you causing you to swerve/brake, a tree fall, a bin liner blowing across your windscreen blocking your vision - these are true 'accident' causing occurrences.
Funny how when there's no-one to sue - these "Accident Claims Specialists" can't really offer a lot of assistance!! |
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By *mumaWoman
over a year ago
Livingston |
"Have you missed the Stoptober ads?
Daytime ads are atrocious.
Never gonna happen!
Although in the interests of helping others - i'll gladly pop round and pick up any horrible, nasty cigs you don't want anymore!
I'm ever the thoughtful one! "
I have 40 you can collect |
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By (user no longer on site) OP
over a year ago
|
"Have you missed the Stoptober ads?
Daytime ads are atrocious.
Never gonna happen!
Although in the interests of helping others - i'll gladly pop round and pick up any horrible, nasty cigs you don't want anymore!
I'm ever the thoughtful one! I have 40 you can collect "
Find me some folk with another couple of thousand death sticks to collect and that'll cover the diesel!! |
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By (user no longer on site)
over a year ago
|
"Whilst I agree that these adds are disgraceful and should be regulated, some of these companies are good.
They do provide a route to seek assistance in obtaining legal advice in a situation where they may be entitled to some form of compensation. The cost of such advice may be out of the reach of some, without these companies being around.
The idea of liability insurances are there to pay out in the event that it can be proven in a court of law that you were a victim of someone's negligence.
For axample your definition of accident is true. However if I drive into the back of you, I may not have done it deliberately to hurt you, but I have been negligent in not driving far enough behind you to allow me to stop safely without colliding with you.
Therefore why should someone not be compensated for their loss of earnings, and cost of rehabilitation?
A while ago (2006) I was a passenger in a car when we had pulled up to a roundabout, driver had to wait, a woman smashed into the back of our vehicle.
She immediately got out and said sorry she wasn't concentrating.
However as she hit us at 40 mph, I at the time suffered from a back injury.
When I claimed, she soon changed her story and said the driver rolled backwards.
Well the ground was flat, so not possible.
After 5 years I got compensation, only because the company I used proved the driver to be a complete liar, she made up other things.
So in my eyes, this may have been an "accident", but it was intentional as she was driving without due care and attention.
Surely driving too close, on your phone - or generally in any 'negligent' way - means the resultant incident was not accidental, but caused by someones inability to act in a proper manner whilst driving?
Uncontrollable incidents - a black cat running in front of you causing you to swerve/brake, a tree fall, a bin liner blowing across your windscreen blocking your vision - these are true 'accident' causing occurrences.
Funny how when there's no-one to sue - these "Accident Claims Specialists" can't really offer a lot of assistance!! "
Based on your definition of accident, it is still an accident, as they never intentionally set out for it to happen. They wouldn't have got in to the car thinking I'm gonna drive into someone.
The part of the policy you are claiming against is the liability section. This section is designed to "indemnify you against claims from a third party as a result of loss and or damage to third party property or persons, following an act of negligence"
They can only help when there is someone to blame, as that is their service. Many will tell you if they don't feel there is a claim. |
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By (user no longer on site) OP
over a year ago
|
"Whilst I agree that these adds are disgraceful and should be regulated, some of these companies are good.
They do provide a route to seek assistance in obtaining legal advice in a situation where they may be entitled to some form of compensation. The cost of such advice may be out of the reach of some, without these companies being around.
The idea of liability insurances are there to pay out in the event that it can be proven in a court of law that you were a victim of someone's negligence.
For axample your definition of accident is true. However if I drive into the back of you, I may not have done it deliberately to hurt you, but I have been negligent in not driving far enough behind you to allow me to stop safely without colliding with you.
Therefore why should someone not be compensated for their loss of earnings, and cost of rehabilitation?
A while ago (2006) I was a passenger in a car when we had pulled up to a roundabout, driver had to wait, a woman smashed into the back of our vehicle.
She immediately got out and said sorry she wasn't concentrating.
However as she hit us at 40 mph, I at the time suffered from a back injury.
When I claimed, she soon changed her story and said the driver rolled backwards.
Well the ground was flat, so not possible.
After 5 years I got compensation, only because the company I used proved the driver to be a complete liar, she made up other things.
So in my eyes, this may have been an "accident", but it was intentional as she was driving without due care and attention.
Surely driving too close, on your phone - or generally in any 'negligent' way - means the resultant incident was not accidental, but caused by someones inability to act in a proper manner whilst driving?
Uncontrollable incidents - a black cat running in front of you causing you to swerve/brake, a tree fall, a bin liner blowing across your windscreen blocking your vision - these are true 'accident' causing occurrences.
Funny how when there's no-one to sue - these "Accident Claims Specialists" can't really offer a lot of assistance!!
Based on your definition of accident, it is still an accident, as they never intentionally set out for it to happen. They wouldn't have got in to the car thinking I'm gonna drive into someone.
The part of the policy you are claiming against is the liability section. This section is designed to "indemnify you against claims from a third party as a result of loss and or damage to third party property or persons, following an act of negligence"
They can only help when there is someone to blame, as that is their service. Many will tell you if they don't feel there is a claim. "
And having had first hand experience of such 'services' - many have no qualms at all about suggesting you're injuries/losses were far more serious than they were - and that there's no negative impact on the poor souls who accidentally rear-ended you - just their insurance company.
Which effectively means all those honest folk out there whose premiums go through the roof each year despite another years no claims bonus.
Put them in room 101 please!  |
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