Need Advice on Car Accident.

Atomic_guy

Hi, wondering if anyone can help.

I was involved in a car accident on my way to work.
Nothing serious, my bumper was lightly damaged and the
other party's car was slightly damaged.

Anyway to cut the story short, no one accepted liability, so bit of a conversation
later we exchanged details. It seems we both are covered by the same insurer.

The guy wrote down his details including his address and mobile number etc. But I
questioned him about his address, seems that the address he wrote down was of
different town then the one he mentioned to me in our earlier conversation. So I
questioned him about his discrepancies so he explained to me, He said that his car
insured at this address for cheaper premium but he lives at a different different
address. Say he insured his car at Address A but he lives and kept his car over night
at address B.

What worries me should I tell my insurance that he fraudulently obtained insurance
cover for his car, and if he to put a claim would that claim go through and effect my
premium? Far as I am concerned he shouldn't be driving with dishonestly obtained
insurance cover. Knowing that both parties insurer is the same one. How would that
effect the outcome?

I would greatly appreciate your thoughts and advice.

Atomic_guy

anyone with any advice or comments?

kwaks

Bit of a moral issue this one. Yeah he is saving money at the expense of the insurer, however it does not directly affect other motorists.

I would see which way the claim is swinging, or offering him the chance to settle it himself to keep curious insurance companies out the picture

Jojo_the_Tightfisted

Give your Insurer both addresses.

One of my exes lived at one address but insured it for here as it was here more than not. All he did was tell them that he didn't live here, but he tended to leave it here overnight and they were perfectly happy to insure him on that fully disclosed basis.

If he's prepared to do a dodgy on the premiums, he's not very likely to be reliable on paying for any damage - and the second address could easily be fake too.

Atomic_guy

kwaks wrote: »

Bit of a moral issue this one. Yeah he is saving money at the expense of the insurer, however it does not directly affect other motorists.

I would see which way the claim is swinging, or offering him the chance to settle it himself to keep curious insurance companies out the picture

Well I dont think its right for someone to lie to the insurer on the basis to get a cheaper cover.
I dont think its right, if the area is a high risk area then the insurance reflects this. I am not
saying I agree with the insurance premium but if someone lives in that area then they have to
just accept it. Its comes with the area. Why lie and obtain insurance and be risk to others or
otherwise this person may not have been on the road.

Well it seems he already approached his insurer and also some sort of claim agency
(No Claim No Fee). I received few calls from them wanting to know what had
happened. I told them to contact my insurer for any information they seek.

Atomic_guy

Jojo_the_Tightfisted wrote: »

Give your Insurer both addresses.

One of my exes lived at one address but insured it for here as it was here more than not. All he did was tell them that he didn't live here, but he tended to leave it here overnight and they were perfectly happy to insure him on that fully disclosed basis.

If he's prepared to do a dodgy on the premiums, he's not very likely to be reliable on paying for any damage - and the second address could easily be fake too.

I contacted my insurer and gave them both of the address.

What I want to know, if this person been dishonest with his insurer to obtain a cover
would this discovery work in my favour any ways with claims being a win situation for me?

CHR15

I would imagine it would make his Insurance null and void, so you have effectively crashed into an Uninsured driver so you will have no insurance company to claim against.

You would have to pursue him through the courts

Jojo_the_Tightfisted

It does throw doubt on any version of events he might have.

Rolandtheroadie

What were the circumstances of the accident? What bumper was damaged and where on the other car was damaged. Were there any independant witnesses?

Kilty_2

CHR15 wrote: »

I would imagine it would make his Insurance null and void, so you have effectively crashed into an Uninsured driver so you will have no insurance company to claim against.

You would have to pursue him through the courts

Wrong.

An insurer can't invalidate their third party liabilities in the event of dishonesty by the policyholder. They can however pursue him personally for the costs.

Atomic_guy

CHR15 wrote: »

I would imagine it would make his Insurance null and void, so you have effectively crashed into an Uninsured driver so you will have no insurance company to claim against.

You would have to pursue him through the courts

Well thats what I thought. but I get different views from people. Some says the third party's policy would be void and if claim is on his favour then he will not get paid out
for dishonesty. Not sure what is the exact terms and condition for such situation.