I can appreciate the 'dont claim' attitude, but having seen the bills that get tagged on to even a small bump, a genuine injury claim is piss all.

Insurance firms needs to get tough on the fraudulent claimers, crash for cash scum and cut down on what is paid out for minor stuff etc, if you are genuinely hurt then I see no harm in it.

Next door to me had a bump, light panel damage, admited liability, nobody hurt, even the infant in the baby in the other cars passenger seat didn't wake up. A month or so later he gets letter from some solicitor trying to get him to cough up for personal injury to everyone in the other car, neck,back, mental issues and anxiety etc!! They wanted the lot and was all b*llocks. His insurance had said no chance so they got onto an ambulance chaser to try their luck.

But, in this all going on he found out that the claim cost was...£20k !! for what?? no personal injury awarded at that point, he didnt make a claim for his damaged vehicle thinking it would save money on the claim, and he admitted liability on the spot for the same reason, so what costs £20k - the damage was a few grand at best to the other car.

Insurance firms needs to tighten up, and stop using solicitors that try to force you to claim for as much as possible, I have had them in the past suggesting I said I had just filled up with fuel and maybe had some belonging in the car that got damaged so they could claim for more, this was a solicitor supplied by my insurance!!!