Penny Quirk

Confused voter? You already said you weren't going to vote for them. Now they are going to have to fight for your vote? Do you want them to convince you to vote for them or not?

You may be able to claim via the MIB due to an untraced or uninsured driver. I do a lot of work for the MIB, either give them a call or ask your insurance company how to go about starting a claim. Here is their link: https://www.mib.org.uk/making-a-claim/claiming-against-an-uninsured-driver/ ---------- Post added 25-01-2017 at 15:00 ---------- Sorry, just realised you cannot call them direct any more. You need to ask your insurance company about claiming via MIB. There is information on the website I gave you though. Hope you can get some help repairing the car. I hate uninsured drivers!

Thank you all, appreciate your help.

Not sure if anyone here will know the answer. Do staff at the GP Collaborative at the NGH have access to hospital and GP records when you visit them? Thanks

I would never have thought about that! What a good idea. Might suggest this when I visit people, thank you

Its always worth making sure your keys are "safeguarded", put somewhere out of sight and not in an obvious place. There is a section in motor insurance terms and conditions that covers safeguarding of keys and it is becoming more common that, after a theft of vehicle, the policy holder is interviewed to take a witness statement, including where the keys are normally kept, and if there is clear failure to safeguard the insurance company may not pay the claim. Places to be aware of which can be considered failure to safeguard keys are left in the house-door lock with the house keys, on a hook on the back of the door, in a dish/bowl on a kitchen side, windowsills etc . It only takes a few days of putting them somewhere safe to get into a good routine that could make the difference of having the claim paid out or rejected.

I was reading the comments on the start news article. One comment stated about being able to drive another vehicle with 3rd party cover if you have your own comprehensive insurance. This is often not the case and before driving someone else's car, thinking you are insured for 3rd party, check it carefully because the chances are that you won't be covered. Fronting is almost endemic, particularly with younger drivers/parents. It is insurance fraud, sadly, most insurance companies will not prosecute as such as it is too expensive to do so and would put up the cost of premiums even further.

Insurance companies are refusing increasing numbers of claims due to failure to safeguard keys, so make sure your keys are kept well away from your door keys (burglars like the easy-pick car keys), keep all keys away from doors and windows, and preferably somewhere hidden from sight but where you can get them quickly if needed. I have to visit people who have cars stolen to take statements for the insurance company and failure to safeguard keys is an issue we have to check out. It is becoming a more common reason for the insurance company not paying out (might be worth checking your insurance contract to see if this is mentioned). I really do hope you find your car; the police response seems unusual, I think I have only had 2-3 where the police have been interested.

Sorry, I worded that badly.

I visit there regularly as I have family living in Copenhagen. It is not the timer that stops people crossing. The pedestrians do not cross until the green man shows because that is the law - you can be fined for crossing and they take this seriously. They are also brought up to not cross until the green man shows - it is their way of life, just as it used to be for us many years ago. They reckon the only ones who cross on the red man are visitors/tourists or those Danes who have lived abroad! My daughter was stopped by police, at around 03:30 am because she crossed at a crossing when the red man was showing, despite there being no traffic around.

http://www.savedrives.com/ I use Save Drives - a free app, or £1.99 if you don't want a tiny advert in the corner. The quality is as good as your camera phone; when playing back it shows you the exact location, speed, distances and time and you can follow the journey on Google Maps. Why pay so much for a separate dash cam when a phone will do it, for free or cheap? A bus lost a back panel on the Motorway and it smashed into the front of my car, causing a lot of damage. The police saw it - but they weren't interested!

Overload with technology, adverts, people wanting to know where you are ALL time time, having to check work emails out of work time. There are many ways we can become overloaded and I feel this is a big contributor to depression.

I often think that man wasn't made for that which we have today; all day we are bombarded by man-made technology, shopping, food filled with chemicals. I often just think our brains are overloaded!

I am not going into details, but my motivation WAS to get better and every time I saw someone (medical) I aksed them why, when I was trying so hard to get better, were things getting worse. None of it made sense. I went to the behavioural activation group run through IAPT and although that did change ways I viewed my unbelievably suicidal feelings for the good, it was my choice to come off medication. That act lifted the horrendous fog. I am not better yet but am now able to makes choices about how I react to the suicidal thoughts. Each case is different.

They are NOT getting a grace period! They are (mostly) fully legit at the point of entering the country so no need to get them turned around.

I was referring to the quoted section where the poster wrote [Quote: Originally Posted by liza D View Post I am not sure where you get 99% from.

Where do these "facts" come from? It is not mainly down south, there are significant numbers in the North too. Can you point me to the LAW that the driver behind is at fault? The full circumstances should be taken into account, not who was behind or who was in front! It would be lovely to go to work and not have people saying all these things, constantly, just because that is what someone you know, or their uncle, thinks! As for the police, they will only (typically) attend to take action if there is a significant injury, fatality, something causing them to believe someone is acting unlawfully, or, there is something adverse happening with traffic management as an effect of that incident. Having, or being involved in, a genuine incident is not illegal or unlawful, so why have the police to attend, just to waste their time?

This is called fronting and is illegal and will void your insurance. If an incident occurs and the insurance find the young driver is not the insured if he/she is the main driver indemnity will be withdrawn and an insurance fraud case may be following quickly behind. These insurance companies are not as stupid as some people think they are! (Why would a 50+ year old professional really buy a clapped out Peugeot 206 etc?)

Hello, Within the industry I work in there is a high level of fraud and I have been working on designing an app that would help reduce this and that would weed out fraud at an early stage of the process. Is there anyone out here who can either help with the building of an app. I have worked out what I need it to do and have a flimsy design idea. I would be happy to be in a partnership with app designer/builder if this can get it to market. I had uploaded it to dandy.co but that doesn't appear to cater for this type of app or the UK market. Any advice would be greatly appreciated.

in the late 90s and early 2000s I was head of a national charity for a rare condition with nasty symptoms but there was treatment, if accepted, could either improve or "cure" the condition. I recall one particular woman, a social worker who had an accident at work which triggered off the condition. She wore rigid splints on both arms and was advised to take them off, do not put them on again and do intensive physio and the improvement would be significant. She told me that she would not do that as her personal injury claim settlement would be greatly reduced. So, yes, patients do refuse treatment. I left the charity after this as it felt too many people were trying to find how to stay out of work rather than get better. This is my experience, not just an opinion. ---------- Post added 14-02-2015 at 10:39 ---------- in the late 90s and early 2000s I was head of a national charity for a rare condition with nasty symptoms but there was treatment, if accepted, could either improve or "cure" the condition. I recall one particular woman, a social worker who had an accident at work which triggered off the condition. She wore rigid splints on both arms and was advised to take them off, do not put them on again and do intensive physio and the improvement would be significant. She told me that she would not do that as her personal injury claim settlement would be greatly reduced. So, yes, patients do refuse treatment. I left the charity after this as it felt too many people were trying to find how to stay out of work rather than get better. This is my experience, not just an opinion.

http://www.savedrives.com/ This is excellent. £1.99 for the paid version or free for the app with adverts in it. It shows speed, position on map and excellent quality video. Far better than buying a separate dashcam (which I have previously used). Download it and give the freebie one a try!

Is it the claim that was against your son that is causing the problem? Or something else? When they ask for proof it would be something that puts your son away from the vehicle at the time of the incident, i.e., a works time card or proof he was not in the area at the time (credit card / debit card statement etc) and that puts you in charge of the vehicle (maybe your debit card showing you put fuel in at a particular fuel station). For the theft; a policy holder has a legal obligation to safeguard the keys to the vehicle that is insured and failure to do so can result in not being paid out for the theft of a vehicle. Harsh as it is, insurance companies do point this out in the policy wording. So many people come home and chuck their keys in a pot on the kitchen side, on the stairs, or somewhere else they are easily found by anyone entering the house (legally or illegally) making car theft easy. ---------- Post added 02-08-2014 at 07:15 ---------- I have just re-read your original mail and now it makes more sense. Am I right in thinking that the one they are asking for evidence for is the theft of the car and you feel that you did not make a claim as the insurance did not pay out? If I have now understood that then the insurance company are correct in saying that there was a claim; for Tesco (or any insurance) to refuse to pay out then a claim must have been made? If that is the case, then I am not sure what evidence they are wanting? Are they wanting evidence that the car was taken from you or are they perhaps inferring that this may have been a claim for financial gain?

Thank you all so much for taking time to reply; I really do appreciate it. I initially had Xrays when I was away (non-UK) and they said to see GP urgently on return (this was May); I then had an MRI scan in May, had to wait 3 weeks for the results and then had 2 referrals to the neurosurgeons rejected as I had not been to see the specialist physio. It has been frustrating as well as painful. My operation should be in September and one part of me is so relieved, but the other part is wondering how the heck I am going to manage, and keep on working with the symptoms as bad as they are.

Hi Autumn, thank you for your help; I got in touch and found that through the choose and book it will be around 8 weeks to wait, so best get my coping head on as the pain is horrendous