Every week a Guardian Money reader submits a question, and it’s up to you to help him or her out – a selection of the best answers will appear in Saturday’s paper.

This week’s question

I had a motorbike accident two years ago. My bike was written off but I was mostly OK – just some bruises. I’ve been contacted by a company that reckons I could claim around £1,000 from the other driver’s insurance, with no penalties for me or him. It feels fraudulent, but people say I’m throwing away free money. Is it ethical to claim for old injuries?

What are your thoughts?