Car Knock = Legal Proceedings?

Me and my partner were in a car "knock" about a week or so ago, I call it a knock as hardly any damage was caused to their car, jumore so to ours.

We did all that was necessary, complied with the people involved and the police, everything was fine, although the woman involved was 4 months pregnant, they said that on the safe side, she was best to get checked over.

They gave us their number for any problems regarding the insurance forms, and just to be polite, we phoned the Lady several times to check she and her husband were ok.

We came home from work yesterday, to find a letter on our bed, saying the woman was pursuing legal action, and trying to sue, over the "knock" for the "serious case of whiplash" , for the concern of her baby (which i can understand about, even tho the knock was minor, for a new hire car, repair of damages and other costly things.

How can this be when our car was worse for wear and she was fine?

Any help or advice would be great.

Thanks

Tell the insurance company that you suspect that the claims are fraudulent. Write a letter to the company stating the following:

"If you have the opportunity to settle my case within policy limits, I hereby request that you do so."

The insurance company will probably pay them something, just to dispose of the case. If you let them know that you suspect fraud, they may do additional investigation. If the parties have had other minor accidents that have become lawsuits, the insurance company may have their fraud department pursue action against the couple.

Writing the letter protects you in case the insurance company has a chance to settle, but decides to go to court. If the insurance company loses more in court, in spite of having had the opportunity to settle, then you are off-the-hook if the final verdict is for more than your liability coverage.

Good luck to you!

Please note: Nothing enclosed herein is to be construed as legal advice. If you need legal advice, please consult a licensed attorney in your area. ***

You refer ALL such contacts directly to your insurance company. You've done everything correctly and like the previous respondent says, "That's what you pay them for".

Just leave it to the insurance company. A similar thing happened to me once. Barely touched the other car(seriously no marks on either car,)and the other driver said not to worry about it. Next thing they're bringing a whiplash claim against me. Think people do it just cos they can make a few quid. Pathetic really. Ultimately everyone who has insurance pays for it.

I used to do this for a living and can speak for the UK. Not crash into people to get insurance but to deal with suspicious or inflated claims.
I would suggest that you pass the information on to your insurers. You will have to pay nothing and third party personal injury indemnity under a standard motor policy is unlimited. If you feel that she is "hamming it up" mention to the insurer that it was just a knock and you would be very surprised if there is any whiplash.
As a matter of course they will look into all claims of this nature to satisfy themselves that there is no tomfoolery or fraud as I call it. Its a shame people feel they should do this. They are usually the ones that complain that insurance premiums are too high.

xxFJ

Let your insurance co deal with it that is what you pay them for