insurance company taking the mickey

raskazz

cogito wrote: »

And what, exactly, will a few photographs prove?

They won't necessarily 'prove' anything, but then they're not intended to. It will help the claims handler assess the positioning of the accident and the mechanics of how it occurred and come to a decision as to whether the loss is genuine or not. A picture does speak a thousand words after all, so it is more convenient for the policyholder to take photos than it is to fill in a precise and lengthy claim form anyway.

LinasPilibaitisisbatman

cogito wrote: »

And what, exactly, will a few photographs prove?

Well they might prove your lying...

cyclonercv

I understand what you are saying but It’s always fraud isn’t it never a genuine claim, the TV is only two months old and I just want an exact replacement no fraud going on here just me having to do a photo shoot if they can’t visualize the incident they should come round I must admit I feel very silly having to re-enact a simple accident

ekkygirl

Tell them you would love to recreate the accident and when will they be sending the photographer?

Quentin

cyclonercv wrote: »

I must admit I feel very silly having to re-enact a simple accident

Tell them about this - you may have a psychiatric condition which will be made worse if they force you into this crimewatch style re-enactment of the crime.

raskazz

cyclonercv wrote: »

I understand what you are saying but It’s always fraud isn’t it never a genuine claim, the TV is only two months old and I just want an exact replacement no fraud going on here just me having to do a photo shoot if they can’t visualize the incident they should come round I must admit I feel very silly having to re-enact a simple accident

With respect, if you feel silly doing it then why not tell the insurer, not us! I'm sure if you're camera shy they would at least accept photos of the area in which the accident occurred, showing the layout of the room as it was when the accident happened etc. Like I said, IMO it's easier to take photos than to write it all out anyway. I'd have no problems doing it, it would take less than 5 minutes with a digital camera.

ravenfire_2

I work for insurance companies and loss adjusters and have NEVER heard of them asking to do this before! Maybe you should phone back and ask to speak to someone in charge.

Truegrit_2

I think the claims handler is a perve or gay, so make sure when you take your photographs it's showing your lunchbox, this may help to pay your claim. If he is a perve he probably wants to see the photographs of you and your lass accidentally falling into the TV. We once had a water damage claim where a vibrator got damaged by water, the adjuster made her go and buy one from the local sex shop and wanted proof of purchase with a photograph.

Truegrit_2

I think the claims handler is a perve or gay, so make sure when you take your photographs it's showing your lunchbox, this may help to pay your claim. If he is a perve he probably wants to see the photographs of you and your lass accidentally falling into the TV. We once had a water damage claim where a vibrator got damaged by water, the adjuster made her go and buy one from the local sex shop and wanted proof of purchase with a photograph. There are some weird people in insurance

FlameCloud

ravenfire wrote: »

I work for insurance companies and loss adjusters and have NEVER heard of them asking to do this before! Maybe you should phone back and ask to speak to someone in charge.

You cant have had any experience of dealing with fraud or VRA techniques then. It is all about putting barriers up.