I'm the victim of insurance fraud, my

Teddy_Picker

RabbitMad wrote: »

go to the police mate - it is perjury and that is jail time.

If you've got the evidence (e.g.witness statements signed etc) then you've done half the police's job for them.

They're not interested in stuff like this are they?

SuziQ

A similar thing has hapened to me. Direct line paid out a claim for vehicular damage and whiplash.I had reported a guy (who seemed pretty drunk-witnessed by a bus driver) rolling his car back into me and then haranguing me. I was supposed to have the slight damage to my car looked at but they never arranged it,and in my busy life at the time of full time work and 3 kids I never persued it. I didn't find out until 18 months later (I had cancelled my plicy around 7 months later as I was added to my husbands traders insurance). I had a completely clean record with no claims etc,I was gutted especially as it was a lie.They had made a mistake with the date of the alleged accident and were trying to get the rest of the following years payment from me as I had they thought made a claim. I then found out they had written to me-once-to ask for my statement and when I didn't reply (I never recieved the letter) they simply capitulated and paid out-they said the guy had a doctors letter which proved his injury so that even if I had replied they would have had to pay out.
However as I pointed out,I had a witness to the fact he caused the bump not me-of course by the time I knew anything about it there was nothing I could do,and I never had a satisfactory reply from Ditect line explaining why they only send out 1 request for information. I intend to stay on my (soon to be ex!) husbands insurance until after next february,which will be 3 years after the alleged incident and hopefully I can then start building my driving record again.

I have also decided not to keep fretting over it as it is simply not possible to put something like this right. There is so much dishonesty in this world-and very little justice I have found.

Teddy_Picker

SuziQ wrote: »

A similar thing has hapened to me. Direct line paid out a claim for vehicular damage and whiplash.I had reported a guy (who seemed pretty drunk-witnessed by a bus driver) rolling his car back into me and then haranguing me. I was supposed to have the slight damage to my car looked at but they never arranged it,and in my busy life at the time of full time work and 3 kids I never persued it. I didn't find out until 18 months later (I had cancelled my plicy around 7 months later as I was added to my husbands traders insurance). I had a completely clean record with no claims etc,I was gutted especially as it was a lie.They had made a mistake with the date of the alleged accident and were trying to get the rest of the following years payment from me as I had they thought made a claim. I then found out they had written to me-once-to ask for my statement and when I didn't reply (I never recieved the letter) they simply capitulated and paid out-they said the guy had a doctors letter which proved his injury so that even if I had replied they would have had to pay out.
However as I pointed out,I had a witness to the fact he caused the bump not me-of course by the time I knew anything about it there was nothing I could do,and I never had a satisfactory reply from Ditect line explaining why they only send out 1 request for information. I intend to stay on my (soon to be ex!) husbands insurance until after next february,which will be 3 years after the alleged incident and hopefully I can then start building my driving record again.

I have also decided not to keep fretting over it as it is simply not possible to put something like this right. There is so much dishonesty in this world-and very little justice I have found.

Sorry to hear that. I've spoken to a few people with similar experiences to ours, I'm surprised the insurance companies are so willing to pay out these claims, especially when they're always going on about fraud pushing up the premiums. Is it any wonder people are making these fraudulent claims, when the insurance companies make it so easy for them?

raskazz

Teddy_Picker wrote: »

Sorry to hear that. I've spoken to a few people with similar experiences to ours, I'm surprised the insurance companies are so willing to pay out these claims, especially when they're always going on about fraud pushing up the premiums. Is it any wonder people are making these fraudulent claims, when the insurance companies make it so easy for them?

But that's the problem. For example, looking at your case on purely economic grounds then there is no incentive for the insurer to take the matter any further. It would cost more in legal fess than the amount they could recover.

Teddy_Picker

raskazz wrote: »

But that's the problem. For example, looking at your case on purely economic grounds then there is no incentive for the insurer to take the matter any further. It would cost more in legal fess than the amount they could recover.

Some prosecutions might make others think twice.

RabbitMad

raskazz wrote: »

But that's the problem. For example, looking at your case on purely economic grounds then there is no incentive for the insurer to take the matter any further. It would cost more in legal fess than the amount they could recover.

But they reported to the police a bankrupt ex army major who knew what a google was when somebody coughed at the right time.

Reporting this apparant case of fraud to the police should be in their (the insurance companies) interest in the long run, after all if they've done it once they'll do it again.

OP - report this to the police. If they take it forward great if not forget about this and move on.

raskazz

RabbitMad wrote: »

Reporting this apparant case of fraud to the police should be in their (the insurance companies) interest in the long run, after all if they've done it once they'll do it again

They probably won't report it in this case because the police will in all probability not take any action, which is a sad state of affairs.

Teddy_Picker

RabbitMad wrote: »

But they reported to the police a bankrupt ex army major who knew what a google was when somebody coughed at the right time.

Reporting this apparant case of fraud to the police should be in their (the insurance companies) interest in the long run, after all if they've done it once they'll do it again.

OP - report this to the police. If they take it forward great if not forget about this and move on.

I think you're right with your last bit of advice. Cheers.