MonkeyMD
Autocross Champion
As someone who was rear-ended in my Jazz just before Christmas - I now have a Golf Match - I have watched this thread with interest and agree with Hobby55.
I was badgered for a couple of weeks asking me to accept compensation for injuries I didn't have following the accident, which was slight. My wife and I had no injuries and neither did the woman who drove into us, but she, apparently, claimed compensation for her 'injuries'. We refused to accept compensation because it would have been dishonest and would have contributed to an increase in premiums. This compensation culture is unacceptable.
Not to go into to many details, but my wife rear ended 2 cars lined up in front at less than 15mph. This was in front of a hospital and everyone in all the cars confirmed to nurses and doctors that they were fine. No one showed signs of whiplash or any injuries. To put it in perspective, the repair on our car cost $700 to replace broken grill.
Well a few weeks later, was wondering why the case wasn't closed yet. Call insurance and they state the passenger (a 25 yo woman) in the middle car is filling a claim for injuries. I reiterate that police report shows no one had signs of injury and were seen by medical staff on site. Didn't matter. They ended up settling with her for $10000 and my premiums almost doubled.