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So I was involved in an accident on my way to work on Wednesday morning. Stopped at traffic lights and someone in a minibus crashed into the back of my car :(

I hurt my neck and back and called the Police and Ambulance, but the driver left the scene before they arrived - without exchanging details...

However, I got good photos of his vehicle and him, which I've passed onto my insurance company.

Here is the damage done to my poor LS460 :(

2ik7hj7.jpg

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Sorry to hear the bad news, 1st thing is your OK with no serious injuries.

As for the other driver I hope they throw the book at him,chances are the idiot won't be insured hence the reason for the premature departure from the scene.

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Even worse a School minibus!

I don't normally approve of name and shame but given the circumstances and the fact the photographs were taken in a public place and displayed on a public forum seems reasonable to me.

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My insurance company have traced the other vehicle and confirmed that it is insured. They have sent the photos along with my statement to the other insurance company, and I'm waiting for them to accept liability.

I'm afraid that the damage to the car will mean that it's a write-off especially as there's the rear radar detector for whiplash detection, the camera, the side panels are all buckled, and one of the exhausts was deformed.

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Looking at face value I have just took 5 minutes to take the part numbers from Toyodiy and posted them into amayama to get a price on just parts only

You said that it needed a rear quarter as the side panel is buckled

Taking this into account parts alone without taking labour into account you would be looking at about £7500+vat to repair that damage with genuine parts.

By the time the insurance company have got involved in it I think the bill of repair will be closer to £12000-£14000 to repair

Given the fact that your car was built 12/06 but registered 2007 and this example with low miles is built 01/07 so is newer than your car and is £10000 your car will almost certainly be a write-off

http://www.autotrader.co.uk/classified/advert/201405224405535/sort/default/usedcars/model/ls/make/lexus/radius/1500/postcode/ch447jw/maximum-age/up_to_7_years_old/page/1/onesearchad/used%2Cnearlynew%2Cnew?logcode=p

Harsh but true, good luck with your insurance, hope it all works out for you

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Sad day indeed.

You are Ok that's the main thing, cars can be replaced, bit harder with humans.

Lets hope they take full responsibility and sort out this mess for you.

Well done for grabbing photos, you can't argue with that evidence.

Can't help thinking he looks very sheepish on the photo of him at the driver door, maybe thinking of what a P45 and what a criminal record looks like, not to mention his huge insurance premium.

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There are a couple of threads on here which tell you how to get your car repaired to the condition it was in before you were hit from behind.

You are insured the accident was quite clearly the white mini van driver at fault.

You can demand your car is repaired, not interested that they think it is a write off that's what you have insurance for. Your insurance company will get the monies from the third parties insurance company.

So start taking the bull by the horns and start demanding what is your legal right. Mike

I should have said also demand your car is repaired by Lexus nothing else will do. Dont accept that the ABC garage do work for Lexus or they have repaired Lexus in the past, your car needs to physically be taken to your Lexus garage. Mike

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There are a couple of threads on here which tell you how to get your car repaired to the condition it was in before you were hit from behind.

You are insured the accident was quite clearly the white mini van driver at fault.

You can demand your car is repaired, not interested that they think it is a write off that's what you have insurance for. Your insurance company will get the monies from the third parties insurance company.

So start taking the bull by the horns and start demanding what is your legal right. Mike

Do you have a link to that please

That may come in very handy !!

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There are a couple of threads on here which tell you how to get your car repaired to the condition it was in before you were hit from behind.

You are insured the accident was quite clearly the white mini van driver at fault.

You can demand your car is repaired, not interested that they think it is a write off that's what you have insurance for. Your insurance company will get the monies from the third parties insurance company.

So start taking the bull by the horns and start demanding what is your legal right. Mike

Do you have a link to that please

That may come in very handy !!

No sorry I dont but they shouldnt be too difficult to find, if not Steve Global Mod may be able to help. I will have a look for them later.

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Thanks for all the replies so far - any links to how to guide regarding getting a fair deal would be welcome, though I have done some google searching.

I'm thinking along the lines of:

1. I want my car repaired properly at a Lexus authorised repair centre using genuine Lexus parts.

2. I want another LS460 SE-L as a courtesy car, but I would settle for a Mercedes S500, BMW 750i, Jaguar XJ or Audi A8 4.2 tdi so long as it has radar cruise control (a major reason why I bought my current car)

3. I want compensation for the time I am without a car (as I am a wheelchair user, I am effectively housebound without my car, and totally dependent on family and friends to get me out of the house)

4. I want compensation for my injuries and pain and suffering (I suffered neck and back pain which LED to a trip by ambulance to hospital, and which is stll ongoing)

5. I want compensation to cover any increase in my future insurance premiums as a result of this non-fault accident being on my records for the next 5 years.

In the event of my car being written off,

1. I want an another car of the same make and model, of roughly comparable age or newer, with the same mileage or less, and with the same option (heated steering wheel)

2. I want it to have a thorough examination by a Lexus technician to be sure it is free of faults (I spent a lot of money on my car to make sure it was fault free) and any faults found put right.

3. It must have new tyres and brakes discs and pads (I replaced mine only in February)

4. I still want the compensation for the loss of car until an acceptable courtesy car is provided.

5. I still want compensation for my injury and pain and suffering.

6. I still want compensation to cover any increase in my future insurance premiums as a result of this non-fault accident being on my records for the next 5 years.

Alternatively I would settle for a certain figure which I think is fair and would cover everything allowing me to source an alternative vehicle and allow the whole thing to be put to rest. I'm thinking of around £22,000

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Where did you dream up that figure of £22000 if you don't mind me asking ?

Your car PAV is about £11000 so if my maths serves me correctly you feel that your injuries are worth £11000 ??

At an absolute push you might get £13000 for your car but you will probably go to court to get it

Right now, how the insurance will look at it is to say that the prices of an LS460 range between £8000 for a scabby one and £13000 for a minter so they will give you probably £11000 for you to buy a car of equal spec and equal condition which is not unreasonable.

Forget what you have spent on it, all of that is now gone.

http://www.ebay.co.uk/itm/Lexus-LS-460-4-6-auto-SE-L-FULLY-LOADED-MAIN-DEALER-HISTORY-/221429177117?pt=Automobiles_UK&hash=item338e351b1d

Here is a nice one for about the money you will be offered for your car.

Your other option is to buy the car back as salvage - If they offer you £11000 for the car then push for £12000 and then offer them £2000 back on the salvage (as all it will be worth is scrap value) and then spend £10000 repairing it yourself (you will spend less)

Sorry to be harsh and blunt but this is exactly what will happen (its happened to me)

Insurance will try and get out of anything for the least amount of collateral damage

Hope it all gets sorted out without too much fuss

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Thanks for all the replies so far - any links to how to guide regarding getting a fair deal would be welcome, though I have done some google searching.

I'm thinking along the lines of:

1. I want my car repaired properly at a Lexus authorised repair centre using genuine Lexus parts.

2. I want another LS460 SE-L as a courtesy car, but I would settle for a Mercedes S500, BMW 750i, Jaguar XJ or Audi A8 4.2 tdi so long as it has radar cruise control (a major reason why I bought my current car)

3. I want compensation for the time I am without a car (as I am a wheelchair user, I am effectively housebound without my car, and totally dependent on family and friends to get me out of the house)

4. I want compensation for my injuries and pain and suffering (I suffered neck and back pain which led to a trip by ambulance to hospital, and which is stll ongoing)

5. I want compensation to cover any increase in my future insurance premiums as a result of this non-fault accident being on my records for the next 5 years.

In the event of my car being written off,

1. I want an another car of the same make and model, of roughly comparable age or newer, with the same mileage or less, and with the same option (heated steering wheel)

2. I want it to have a thorough examination by a Lexus technician to be sure it is free of faults (I spent a lot of money on my car to make sure it was fault free) and any faults found put right.

3. It must have new tyres and brakes discs and pads (I replaced mine only in February)

4. I still want the compensation for the loss of car until an acceptable courtesy car is provided.

5. I still want compensation for my injury and pain and suffering.

6. I still want compensation to cover any increase in my future insurance premiums as a result of this non-fault accident being on my records for the next 5 years.

Alternatively I would settle for a certain figure which I think is fair and would cover everything allowing me to source an alternative vehicle and allow the whole thing to be put to rest. I'm thinking of around £22,000

I have emailed Steve Global Moderator with regard to the threads that covered what you need to do to insist your car is put back in the condition it was before the crash. Hes out tonight but I am sure as soon as he is able he will have a look for them. Looking at your post above you seem to have covered all the angles. Mike

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Thanks for the advice, Adam. The figure of £22,000 was based on my estimate of around £16,000 to get hold of a decent equivalent of my car including any fault fixing, another £3000 for courtesy car costs and compensation for loss of car until this is sorted, and £3000 for my injuries, pain and suffering, along with a quick settlement premium.

Of course, if the insurance company don't want to go down that route, then I would accept the other options of a properly repaired car with acceptable courtesy car, or an equivalent replacement vehicle bought and checked to ensure it was fault free.

I would understand that the insurance company will probably want to get away as lightly as possible, but as I am not at fault, I will press the third party insurers to the maximum and am prepared to go to court if necessary. I will of course keep you all updated as to what happens.

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Thanks for the advice, Adam. The figure of £22,000 was based on my estimate of around £16,000 to get hold of a decent equivalent of my car including any fault fixing, another £3000 for courtesy car costs and compensation for loss of car until this is sorted, and £3000 for my injuries, pain and suffering, along with a quick settlement premium.

Of course, if the insurance company don't want to go down that route, then I would accept the other options of a properly repaired car with acceptable courtesy car, or an equivalent replacement vehicle bought and checked to ensure it was fault free.

I would understand that the insurance company will probably want to get away as lightly as possible, but as I am not at fault, I will press the third party insurers to the maximum and am prepared to go to court if necessary. I will of course keep you all updated as to what happens.

I hope there is no hard feelings for me being blunt.

Just hope it all gets sorted out quickly for you.

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Thanks for all the replies so far - any links to how to guide regarding getting a fair deal would be welcome, though I have done some google searching.

I'm thinking along the lines of:

1. I want my car repaired properly at a Lexus authorised repair centre using genuine Lexus parts.

2. I want another LS460 SE-L as a courtesy car, but I would settle for a Mercedes S500, BMW 750i, Jaguar XJ or Audi A8 4.2 tdi so long as it has radar cruise control (a major reason why I bought my current car)

3. I want compensation for the time I am without a car (as I am a wheelchair user, I am effectively housebound without my car, and totally dependent on family and friends to get me out of the house)

4. I want compensation for my injuries and pain and suffering (I suffered neck and back pain which led to a trip by ambulance to hospital, and which is stll ongoing)

5. I want compensation to cover any increase in my future insurance premiums as a result of this non-fault accident being on my records for the next 5 years.

In the event of my car being written off,

1. I want an another car of the same make and model, of roughly comparable age or newer, with the same mileage or less, and with the same option (heated steering wheel)

2. I want it to have a thorough examination by a Lexus technician to be sure it is free of faults (I spent a lot of money on my car to make sure it was fault free) and any faults found put right.

3. It must have new tyres and brakes discs and pads (I replaced mine only in February)

4. I still want the compensation for the loss of car until an acceptable courtesy car is provided.

5. I still want compensation for my injury and pain and suffering.

6. I still want compensation to cover any increase in my future insurance premiums as a result of this non-fault accident being on my records for the next 5 years.

Alternatively I would settle for a certain figure which I think is fair and would cover everything allowing me to source an alternative vehicle and allow the whole thing to be put to rest. I'm thinking of around £22,000

It's because of people like you, greedy insurance companies are able to charge ridiculous prices. How bad were your wiplash "injuries" ? Good luck getting £22K out of insurance company you waste of space!

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It's because of people like you, greedy insurance companies are able to charge ridiculous prices. How bad were your wiplash "injuries" ? Good luck getting £22K out of insurance company you waste of space!

Thanks for your good luck wishes, Melanie. I do hope to get only what's fair - being my car repaired properly and compensation for my actual injuries. We'll see what the final figure comes to. I'm mostly concerned with my car being properly repaired.

If you are having trouble affording your insurance, I can assure you it has nothing to do with me personally as prior to this incident, I have not had an injury caused by an accident, let alone one in which I was the innocent party.

Oh, and it's not people like me who cause insurance prices to rise, it's the idiots who cause the accidents. I suspect you've been stung by high insurance costs after causing an accident or two? Or maybe you're running around without insurance? Either way, I have one piece of advice for you - GET A JOB.

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Come along boys, this gets us no where.
We have in the past had people who will sue the backside of the 3rd party down to the last paper clip but of course this
never actualy happens because the court costs involved in any sort of litigation are enourmous.
You are entiltlled to get your Lexus repaired to the condition it was in before White Mini Van hit you up the rear.
There is actualy no argument in your case as to who is to blame as he rear ended you and that makes it automaticly his fault.
Getting this done alone will ocupy all your time trying to start ltligation over other things will involve you having to pay
a large sum of money into court, this is incase you lose, and that enables that the legal eagles will get their monies.
You are also entittled to a rental car if you are insured for but dont expect to get a real like for like car, when my Jeep
was written off in a not at fault accident the only likeness there was was the size if the engine 4 litres I got a 4 litre deisel Alfa Romeo
which was completely useless for me, as I had other cars I could use I sent it back.

Good luck with your claim, I look forward to a happy outcome for you and the car. Mike

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I knew this would get nasty !!!

What you have got to look at is basics

You are disabled, this is not a problem at all, but you say that without a car you are stuck because you are disabled.

For years disabled people have been fighting for rights to be considered the same as able bodied people and they now have got them rights, most buses and trains and taxis now have wheelchair access. This would mean that you would be no more inconvenienced than an able bodied person in the same position as you.

Your insurance will look upon this in the same view.

£3000 for "whiplash" is ridiculous you would have to have a sore neck back pains and nightmares for at least 15 months to get that and the fact that you already have that figure in your mind from day one smells a bit fishy.

You will get approx £30 per day from loss of use of your car if you are not supplied with another one.

https://www.confused.com/car-insurance/articles/new-bid-to-crack-down-on-whiplash-cheats?MediaCode=806&utm_medium=email&utm_campaign=NewsletterMR20140623&utm_source=Newsletter

Please read this and be very careful about what your next steps are as if you are suspected of making a false claim (I am not accusing you) then you could be in serious trouble.

I wish you the best of luck in getting back your car to pre-accident condition as there is no denying that you are, at the very least, owed this. But please do not take the p!ss as you run the risk of getting a jail sentence which I am guessing you do not want.

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I knew this would get nasty !!!

What you have got to look at is basics

You are disabled, this is not a problem at all, but you say that without a car you are stuck because you are disabled.

For years disabled people have been fighting for rights to be considered the same as able bodied people and they now have got them rights, most buses and trains and taxis now have wheelchair access. This would mean that you would be no more inconvenienced than an able bodied person in the same position as you.

Your insurance will look upon this in the same view.

£3000 for "whiplash" is ridiculous you would have to have a sore neck back pains and nightmares for at least 15 months to get that and the fact that you already have that figure in your mind from day one smells a bit fishy.

You will get approx £30 per day from loss of use of your car if you are not supplied with another one.

https://www.confused.com/car-insurance/articles/new-bid-to-crack-down-on-whiplash-cheats?MediaCode=806&utm_medium=email&utm_campaign=NewsletterMR20140623&utm_source=Newsletter

Please read this and be very careful about what your next steps are as if you are suspected of making a false claim (I am not accusing you) then you could be in serious trouble.

I wish you the best of luck in getting back your car to pre-accident condition as there is no denying that you are, at the very least, owed this. But please do not take the p!ss as you run the risk of getting a jail sentence which I am guessing you do not want.

I plucked a number out of the air for my 'estimate' but as I have also said before, I am not looking for anything more than is fair. I have no intention of exaggerating the impact that the accident has had on me (I work for the Police and despite the pain I have continued to go into work every day, and am surrounded by senior Police officers who can see how I am affected throughout the day). I had no previous idea of what would be a reasonable amount - I will leave that to the courts to decide.

As regards disabled access, whilst it is true that buses and trains have vastly better disabled accessibility than before, the truth is that unless you have tried to get around in a wheelchair yourself, you cannot properly understand just how hard it is. For example, just to get to work, I cannot take the tube from the 2 nearest stations to my home as they are not wheelchair accessible - there are 4 flights of stairs from the ticket hall to the platform. Nor can I easily get to the nearest wheelchair accessible station without a lift from my family - it would take 3 buses just to get there and then I'd have another tube journey and bus journey to get to work. Add to that, my electric wheelchair is not designed to work reliably in the rain so I can only use it in good weather, and I'm not strong enough to self-propel a manual wheelchair for more than maybe 30 metres, even before the accident.

So my options are to rely on friends and family to get me to a wheelchair accessible station and hope that the station at my destination is also wheelchair accessible (luckily my workplace destination is), or take a taxi.

In the end it doesn't matter - I've spoken to solicitors and will see what happens next.

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I knew this would get nasty !!!

What you have got to look at is basics

You are disabled, this is not a problem at all, but you say that without a car you are stuck because you are disabled.

For years disabled people have been fighting for rights to be considered the same as able bodied people and they now have got them rights, most buses and trains and taxis now have wheelchair access. This would mean that you would be no more inconvenienced than an able bodied person in the same position as you.

Your insurance will look upon this in the same view.

£3000 for "whiplash" is ridiculous you would have to have a sore neck back pains and nightmares for at least 15 months to get that and the fact that you already have that figure in your mind from day one smells a bit fishy.

You will get approx £30 per day from loss of use of your car if you are not supplied with another one.

https://www.confused.com/car-insurance/articles/new-bid-to-crack-down-on-whiplash-cheats?MediaCode=806&utm_medium=email&utm_campaign=NewsletterMR20140623&utm_source=Newsletter

Please read this and be very careful about what your next steps are as if you are suspected of making a false claim (I am not accusing you) then you could be in serious trouble.

I wish you the best of luck in getting back your car to pre-accident condition as there is no denying that you are, at the very least, owed this. But please do not take the p!ss as you run the risk of getting a jail sentence which I am guessing you do not want.

I plucked a number out of the air for my 'estimate' but as I have also said before, I am not looking for anything more than is fair. I have no intention of exaggerating the impact that the accident has had on me (I work for the Police and despite the pain I have continued to go into work every day, and am surrounded by senior Police officers who can see how I am affected throughout the day). I had no previous idea of what would be a reasonable amount - I will leave that to the courts to decide.

As regards disabled access, whilst it is true that buses and trains have vastly better disabled accessibility than before, the truth is that unless you have tried to get around in a wheelchair yourself, you cannot properly understand just how hard it is. For example, just to get to work, I cannot take the tube from the 2 nearest stations to my home as they are not wheelchair accessible - there are 4 flights of stairs from the ticket hall to the platform. Nor can I easily get to the nearest wheelchair accessible station without a lift from my family - it would take 3 buses just to get there and then I'd have another tube journey and bus journey to get to work. Add to that, my electric wheelchair is not designed to work reliably in the rain so I can only use it in good weather, and I'm not strong enough to self-propel a manual wheelchair for more than maybe 30 metres, even before the accident.

So my options are to rely on friends and family to get me to a wheelchair accessible station and hope that the station at my destination is also wheelchair accessible (luckily my workplace destination is), or take a taxi.

In the end it doesn't matter - I've spoken to solicitors and will see what happens next.

Hopefully this will be sorted sooner rather than later for you

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I knew this would get nasty !!!

What you have got to look at is basics

You are disabled, this is not a problem at all, but you say that without a car you are stuck because you are disabled.

For years disabled people have been fighting for rights to be considered the same as able bodied people and they now have got them rights, most buses and trains and taxis now have wheelchair access. This would mean that you would be no more inconvenienced than an able bodied person in the same position as you.

Your insurance will look upon this in the same view.

£3000 for "whiplash" is ridiculous you would have to have a sore neck back pains and nightmares for at least 15 months to get that and the fact that you already have that figure in your mind from day one smells a bit fishy.

You will get approx £30 per day from loss of use of your car if you are not supplied with another one.

https://www.confused.com/car-insurance/articles/new-bid-to-crack-down-on-whiplash-cheats?MediaCode=806&utm_medium=email&utm_campaign=NewsletterMR20140623&utm_source=Newsletter

Please read this and be very careful about what your next steps are as if you are suspected of making a false claim (I am not accusing you) then you could be in serious trouble.

I wish you the best of luck in getting back your car to pre-accident condition as there is no denying that you are, at the very least, owed this. But please do not take the p!ss as you run the risk of getting a jail sentence which I am guessing you do not want.

You are disabled, this is not a problem at all, but you say that without a car you are stuck because you are disabled.

For years disabled people have been fighting for rights to be

considered the same as able bodied people and they now have got them

rights, most buses and trains and taxis now have wheelchair access. This

would mean that you would be no more inconvenienced than an able bodied

person in the same position as you.

You are way off track with your statement above. I have been disabled since

the age of 9 and I am now into my 60's so I have seen the changes. It

is true that disabled people have fought for years to get rights but

those rights we have go towards helping how we can get around but still

fall a long way short to bring us up to anywhere near the ease of

getting around you as an able bodied human enjoy.

When you go out to anywhere you can go by anyway you chose without any thought as to

what type transport you will go by and not have to worry about if you

can get out the other end or how are you going to get out the other end as explained by Suman above.

Perhaps ringing the train stations and bus stations are worth

spending an hour or so to find out what is available in the way of

help? Great news at the station I need to start my journey has a

dedicated person that deals with wheelchair access, just find his office

which is on platform 3 and away you go. Trouble is what they haven't told you is that this office is only accessed by climbing and descending half a dozen sets of stairs that link all the platforms together. I think you are getting the picture.

So please don't run away with the idea that life is a bed of roses for disabled people because although there are many laws which cover disability there is no law that covers the pain that I and other

disabled people suffer each day. Mike

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I knew this would get nasty !!!

What you have got to look at is basics

You are disabled, this is not a problem at all, but you say that without a car you are stuck because you are disabled.

For years disabled people have been fighting for rights to be considered the same as able bodied people and they now have got them rights, most buses and trains and taxis now have wheelchair access. This would mean that you would be no more inconvenienced than an able bodied person in the same position as you.

Your insurance will look upon this in the same view.

£3000 for "whiplash" is ridiculous you would have to have a sore neck back pains and nightmares for at least 15 months to get that and the fact that you already have that figure in your mind from day one smells a bit fishy.

You will get approx £30 per day from loss of use of your car if you are not supplied with another one.

https://www.confused.com/car-insurance/articles/new-bid-to-crack-down-on-whiplash-cheats?MediaCode=806&utm_medium=email&utm_campaign=NewsletterMR20140623&utm_source=Newsletter

Please read this and be very careful about what your next steps are as if you are suspected of making a false claim (I am not accusing you) then you could be in serious trouble.

I wish you the best of luck in getting back your car to pre-accident condition as there is no denying that you are, at the very least, owed this. But please do not take the p!ss as you run the risk of getting a jail sentence which I am guessing you do not want.

You are disabled, this is not a problem at all, but you say that without a car you are stuck because you are disabled.

For years disabled people have been fighting for rights to be

considered the same as able bodied people and they now have got them

rights, most buses and trains and taxis now have wheelchair access. This

would mean that you would be no more inconvenienced than an able bodied

person in the same position as you.

You are way off track with your statement above. I have been disabled since

the age of 9 and I am now into my 60's so I have seen the changes. It

is true that disabled people have fought for years to get rights but

those rights we have go towards helping how we can get around but still

fall a long way short to bring us up to anywhere near the ease of

getting around you as an able bodied human enjoy.

When you go out to anywhere you can go by anyway you chose without any thought as to

what type transport you will go by and not have to worry about if you

can get out the other end or how are you going to get out the other end as explained by Suman above.

Perhaps ringing the train stations and bus stations are worth

spending an hour or so to find out what is available in the way of

help? Great news at the station I need to start my journey has a

dedicated person that deals with wheelchair access, just find his office

which is on platform 3 and away you go. Trouble is what they haven't told you is that this office is only accessed by climbing and descending half a dozen sets of stairs that link all the platforms together. I think you are getting the picture.

So please don't run away with the idea that life is a bed of roses for disabled people because although there are many laws which cover disability there is no law that covers the pain that I and other

disabled people suffer each day. Mike

Fair doo's I do not want to get into a disabled row and I understand that without a car you would be put out a bit, but without a car I am also put out too. Maybe not as much as a disabled person but it is still a pain in the neck (excuse the pun)

Basically putting all of this aside the insurance will still screw you over for as little as possible whether you are disabled or able bodied

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And my last point which we all will agree on is this ......

I would hate to be in your situation right now (car-less) because public transport is just awful

Trains are never on time and over crowded.

I get claustrophobic on a train because of the space I have in my LS400 !!!

I once spent a week in Europe and everything is like clockwork there and come back here to be greeted with the plane being late, bus to the train station being late and then the train didn't turn up !!

So when the train didn't turn up I was a bit peeved, I asked the lady where it was to which she replied "I don't know, we have lost it !!!"

HOW THE BLOODY HELL DO YOU LOSE A TRAIN (sorry for the caps) I mean, it goes from here to there, and can't take a wrong turn as its nailed to tracks !!!!

That is why I would be lost without my car !!

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It's because of people like you, greedy insurance companies are able to charge ridiculous prices. How bad were your wiplash "injuries" ? Good luck getting £22K out of insurance company you waste of space!

Thanks for your good luck wishes, Melanie. I do hope to get only what's fair - being my car repaired properly and compensation for my actual injuries. We'll see what the final figure comes to. I'm mostly concerned with my car being properly repaired.

If you are having trouble affording your insurance, I can assure you it has nothing to do with me personally as prior to this incident, I have not had an injury caused by an accident, let alone one in which I was the innocent party.

Oh, and it's not people like me who cause insurance prices to rise, it's the idiots who cause the accidents. I suspect you've been stung by high insurance costs after causing an accident or two? Or maybe you're running around without insurance? Either way, I have one piece of advice for you - GET A JOB.

Unfortunately it is wiplash spoungers like you, along with greedy insurance companies, politicians etc.. Car insurance in UK is a complete joke. Fact.

PS. Work is for sheep. Why work if benefits are available?

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