Fraudulant car insurance claim

BenL

All parties from the other car will have (or should have) been to a Dr and had an assessment paid for by your insurance company. Its not or wasn't in my case a quick thing and there was a hoop or two to jump through.

They will check the details and decide on the amount each person is due.

When a careless driver hit the back of me I tore some muscles in my shoulder.

I had to take time off to go see the Dr in another city and have an assessment, they offer you physio as well.

mattymoo

bonniemac1103 wrote: »

Yes of course if i had been the correct distance away, but the people in front were dithering about so much and not moving with the flow of trafiic, that i did infact end up being up their *rse, which i kick myself about ever since, and now remain a good mile away. However that doesnt take away from the fact that these opportunists are now using a cr*p system to earn a quick buck out of something very minor indeed. It is the insurance people i blame for allowing 'these type of people' to get away with such claims...and i do not agree with the insurance company paying them out.

I say 'these people' as it is a fact that certain areas of certain cities are rife with this kind of thing.

Problem the insurers have is evidence. You have very little evidence to discount their claim of injury. Secondly, if they put you in a witness box then your racist / classist overtones will instantly have the judge finding in their favour. The insurers will then have waste £20k on court costs in addition to the £10k they have to pay out.

gordikin

You have to let your insurance company deal with this as they see appropriate and forget about it and move on.

Oscar_The_Grouch

Ok. Let's get something straight here: The Road Traffic Acts state that you have to HAVE insurance. At no point does it say that you have to USE insurance.

If you are so adamant that there were no injuries, withdraw the claim and defend it yourself. Then, when you lose the case in court (which you will), you can stump up the £10,000 plus solicitor's fees, court fees, medical report costs, etc.

Alternatively, you can leave your insurance company to deal with the matter WHICH IS WHAT YOU ARE PAYING THEM TO DO!!!

The insurance industry is doing everything it legally can to prevent fraud. Sometimes, however, they do have to think about the costs and it is far cheaper for them to pay the third party a minimal whiplash claim than to go through a private fraud prosecution (even in your case where the claim could total £20K including costs).

You will have taken your motor insurance out because it was the cheapest for your car. If the insurer doesn't deal with each claim as cheaply as it can, it will soon price itself out of the market.

I suggest you put this one down to experience and get on with your life.

Oscar_The_Grouch

Hmmm.. looks like we are all saying the same thing here and I just type slower than everyone else!!

mattymoo

Oscar_The_Grouch wrote: »

Hmmm.. looks like we are all saying the same thing here and I just type slower than everyone else!!

Not at all - good idea about DIY claim settlement.

OP - you might find this interesting.

http://www.abi.org.uk/Media/Releases/2006/07/The_Insurance_Fraud_Bureau_set_to_expose_organised_insurance_frauds.aspx

geri1965_2

I've dealt with dozens of whiplash claims which I've suspected of being fraudulent. The problem is that the medical report is used as evidence of the injury - even though in many cases, the medical expert has seen the claimant months after the injury resolved itself.

On the other hand, I've had minor aches and strains from doing the most innocuous things - currentlly have a painful shoulder from carrying my bike upstairs, and last year I strained my wrist lifting (very light) weights.

So even though I had my doubts about some claims, I don't want to be the person responsible for making an error of judgement.

nuttyp

I did stopped to help an old lady up after she fell of her bike in the rain at a junction. She told the police at 2am the following morning i had knocked her off her bike, i was arrested at work the next day. I had to do a wotness statement, they checked out the facts - no charges as no damage to car. Then a nowin no fee solicitor sent a summons for damages - 3 months later they received around 8000. Two years later her and her husband and her son are all currently being investigated for fraud, it turns out they have done this some 4 times but the 5th person happened to be an off duty prison officer - and hence why i hope they get caught.

I expect they will eventually be found out, a lot are but a lot more should be.

geri1965_2

So she was deliberately falling off then claiming against anyone who helped her up?

Well, that's certainly a novel idea!

cogito

A couple of years ago< i was stationary in my car when another car hit me from behind. The impact threw me forward in my seat.

I got out to inspect the damage and was amazed to find that there wasn't a scratch on my car. Modern cars are built to absorb the energy of a collision. The problem is that the energy has to go somewhere and ends up in the body of the people in the car. I suffered no ill effects but I can easily imagine that many people would suffer whiplash injuries from this sort of impact.