I’ve read some good claims details recently. All true and all, in retrospect, worth a chortle.
“The accident happened because I had one eye on the lorry in front, one eye on the pedestrian and the other on the car behind.”
The claimant had collided with a cow. The questions and answers on the claim form were:
Q: What warning was given by you? A: Horn.
Q: What warning was given by the other party? A: Moo.
This last one got me thinking. What else was the cow supposed to say? Exchange details? Threaten legal proceedings? Apologise for still being in her curlers and jogging bottoms but she didn’t think she was going to have a crash this-morning? How wonderful and stress free when all you have to say is ‘Moo‘.
Let’s assume no-one is seriously hurt. What are the two parties thinking?
Driver: Who was to blame? Should I have done something different? Is the cow insured? Whose cow is it? What about my car? Am I blocking the road? How much will the repair cost? How much is my excess? Who do I ring? How many buttons will I have to press to get to speak to someone? What country will they be in? How long will it take?
So who would you rather be? Stressed Eric(a) with their immediate life in turmoil? or wandering around a field in the countryside enjoying the fresh air, eating and drinking, whenever and wherever you want?
It’s called a rhetorical question. Please don’t email. It’s not a survey.
But let’s go back to the poor driver. Part of our job at Henshalls is to try to help, and a major part of that, as with all things, is to prepare as well as possible.
That’s why we couldn’t recommend our motor claims accident service more strongly. If we could insist every customer paid an extra £19.50 for this peace of mind we would!
You call our UK-based helpline who take details of the accident and, if required, can put you in a courtesy vehicle whether you’re at fault or not. They will manage the claim from thereon in, liaising with the insurers, chasing third parties, and giving you help and advice, and we’re always here to talk to too.
What else do you get for £19.50? Legal expenses cover! Ministry of Justice reforms have changed the way personal injury compensation claims are handled so you can no longer claim solicitor’s success fees or after-the-event (ate) insurance premiums back from the third party.
So say you were awarded £2,500 if you’d paid the £19.50 before the event you’d receive all of the money. If not, typically the success fee could be £625 and the ate insurance £250, leaving you with just £1,625.
Insure yourself before the event for peace of mind cheap as chips, and we’ll even throw in a couple of key locator tabs free of charge!
I’ll leave you with another claim form to ponder. What was the driver of this vehicle thinking?