Last night was fun some advice needed

[My Old Landy]

I had a very very minor bump changing lanes in standstill traffic a few years back. I literally left some tyre marks from my Land Rover 110 on a 5 series bumper as I barely touched the car. The rubber marks were wiping off at the roadside.

We exchanged details. Went on our way. I thought, there is no way he will claim for that, but then thought just in case i would let my insurers know. They said thanks for ringing, they would leave a note on the system and if nothing in 6 months close it.

Fast forward four years, I rang them to get a quote on a new car. They ran through my claims history and i was confused as they were talking about something I didnt recognise. Then it clicked and it was the incident above. Apparently he did claim, ended up costing thousands for whiplash, physio the whole lot. Noone told me it ended up in an actual claim. It was utter fraud too - if I was going 2 miles an hour I would be surprised.

Anyway - I am glad I phoned them regardless of whether it is they or the RTA that requires it otherwise I would have been in more trouble when the fraudster did claim. I was disappointed they paid out without asking me first as I think it could have been contested personally.

The reason I know anything about this is because I had something similar in 1989. I pulled out into a new Volvo estate. I tore the side out of it. Absolutely trashed it. The chap got out and said something like 'don't worry about it mate' he didn't want to swap details. I phoned the insurance company and gave his index number and told them I wasn't claiming but if he did he smelled of alcohol. I also phoned the police but they were not interested. The upshot was, I was covered just in case. It was the correct and legal thing to do. I did not hear anything else about it nor did my premiums go up.

 

[DAPPH]

The very minor bump and supposed injury claims added something like £32 to everyone's insurance policy in the past . Insurers now make whiplash & low speed rear end crunches very difficult to claim.

I seem to remember watching TV one morning a couple of years ago where a former crook gone straight , called " DOM ( ?) " was doing one of his morning expose programmes on it. They showed a particular roundabout that had given seven or eight different accident videos all of which were claimed on for serious whiplash & spinal injuries vehicle write off's etc .
Yet the other party accused of causing the incident had said no damage or injury had happened and all had given the same story of the acceptance of a small cash compensation .

IIRC it turned out to be the total claims were valued at about £1.4 million by18 or so related people , they were arranging low speed accidents to happen with selected older drivers . Saying, " Nothing had happened worth reporting " , giving the driver £20 for the upset then going the same route and claiming the earth , backed up by some bent doctors & crash repair set up's .

Luckily the video exchange of accident CCTV footage between insurance companies had started , plenty of CCTV film was available and one eagle eyed specialist recognised the roundabout and several familiar faces of the supposedly injured parties .

 

[sako243]

doubt that would have driven out as cross axled needed some timber under o/s/rear wheel to lift up as bumper dug in to bank

It's surprising what the new LRs will drive out of with enough welly. Not sure if @Robbie260's is new enough for the Terrain Response 2 that's on my Range Rover but cross axle stuff doesn't faze it - provided it's got enough traction on the other two wheels which is usually the biggest issue.

It has nothing to do with insurance small print. Mine does not mention it (I just checked). It is the road traffic act.

Road Traffic Act 1988

An Act to consolidate certain enactments relating to road traffic with amendments to give effect to recommendations of the Law Commission and the Scottish Law Commission.

www.legislation.gov.uk

Luckily my last bump was genuinely (hand on heart) on a private road on a private estate in Scotland. Neighbour was towing the RR out of a ditch I'd put it in to stop the trailer jack-knifing down into his fence as I was sliding backwards on sheet ice. In trying to get out sheared the rear propshaft in half...

On the way back down the hill Tommy didn't stop on the flat (despite me desperately honking the horn to get his attention to stop) so the inevitable happened and traction was lost again and the RR went into the back of the tractor. Luckily he was quick enough to shift so the lower link arms didn't hit the headlights but they did punch through the radiator grill luckily just kissed three fins on one radiator before the bumper hit the rear tyres and stopped. So apart from a few bits of broken plastic no significant damage. As expected no damage to stupidly strong lower link arms

 

[Robbie260]

It's surprising what the new LRs will drive out of with enough welly. Not sure if @Robbie260's is new enough for the Terrain Response 2 that's on my Range Rover but cross axle stuff doesn't faze it - provided it's got enough traction on the other two wheels which is usually the biggest issue.

Luckily my last bump was genuinely (hand on heart) on a private road on a private estate in Scotland. Neighbour was towing the RR out of a ditch I'd put it in to stop the trailer jack-knifing down into his fence as I was sliding backwards on sheet ice. In trying to get out sheared the rear propshaft in half...

On the way back down the hill Tommy didn't stop on the flat (despite me desperately honking the horn to get his attention to stop) so the inevitable happened and traction was lost again and the RR went into the back of the tractor. Luckily he was quick enough to shift so the lower link arms didn't hit the headlights but they did punch through the radiator grill luckily just kissed three fins on one radiator before the bumper hit the rear tyres and stopped. So apart from a few bits of broken plastic no significant damage. As expected no damage to stupidly strong lower link arms

Yeah mine dose have terrain response but I’m so use to not having it I kind of forgot about it. Maybe rock crawl would have helped and super extended mode if I could have figured out how to activate it. Have gen 1 terrain response. Still with the tow ball burried as much as it was wouldn’t have hurt to have a shovel.

 

[reb78]

Yeah mine dose have terrain response but I’m so use to not having it I kind of forgot about it. Maybe rock crawl would have helped and super extended mode if I could have figured out how to activate it. Have gen 1 terrain response. Still with the tow ball burried as much as it was wouldn’t have hurt to have a shovel.

Super extended will only come on if it thinks it is beached IIRC. Like I said above, you kinda dont think straight when things like this have happened. Eds just used to ending up in these situations so its like an instinct to him...

 

[sako243]

Super extended will only come on if it thinks it is beached IIRC.

Rock crawl and floor it, if you're on slippy surfaces then all the wheels spinning make it think it's beached.