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Fraudulent Motor Insurance Claim

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Comments

  • Evilm
    Evilm Posts: 1,950 Forumite
    Explain it how you saw it to your insurers. Allow them to fight it.

    TBA = To Be Advised.
  • michpotts
    michpotts Posts: 30 Forumite
    My husband had a similar experience, though not a cyclist. A woman in a Mercedes company car ploughed into the side of him at a roundabout. He slammed on his brakes, preventing what could have been a nasty collision. She was ok, her car had a minor scuff mark which rubbed off easily at the scene, but my husband's van had the bumper ripped off as her tyre shredded it. They left on good terms- she admitted she was in the wrong and my husband bought a bumper from the scrapyard on the way home thinking oh well I'm about £20 out of pocket, poo happens and that was the situation dealt with.

    A week later he gets a solicitor's letter stating that a claim was being made against him. He wrote back explaining what had happened and saying that he couldn't see what the woman was actually claiming for because no damage was done (other than to HIS van). That was 8 months ago and we have heard nothing since.

    My husband should have informed his insurance company and taken photos at the time but hindsight is a wonderful thing. As far as he was concerned it was too minor to bother about.

    All you can do is put your side of the story across and I hope logic prevails. As a result of experiences I've heard about like yours I decided to pay the extra £24 a year on my premiums for legal cover, just in case I need it. Good luck.
  • pstuart
    pstuart Posts: 668 Forumite
    A similar thing happened to me some years ago - the cyclist was injured, not my fault.
    I mentioned to the police who attended that I may visit the unfortunate person in hospital just to see how he was - I was advised by them in the strongest possible terms not to do so as it would imply guilt.

    The outcome was just a phonecall some months later from the police to state that no charges would be brought.

    Nothing from him ( probably doesn't watch the commercial channels or have chav mates).

    Its a sorry state of affairs that in this day and age that you can't help or enquire about someone who's come into 'contact' with you for fear of the implication of blame.
  • redpete
    redpete Posts: 4,737 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    taffy056 wrote: »
    if he doesn't go and see a doctor or AE he won't have a leg to stand on,

    It would be unusual for a sprained ankle to lead to amputation, even if the injured party doesn't seek medical advice.
    loose does not rhyme with choose but lose does and is the word you meant to write.
  • Mankysteve
    Mankysteve Posts: 4,257 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    .More people would die from air pollution and old age than were saved in collisions.
    What that makes absoultely no sense?
  • POPPYOSCAR
    POPPYOSCAR Posts: 14,902 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Why did you give him your name address and telephone number?
  • skiddlydiddly
    skiddlydiddly Posts: 1,005 Forumite
    Mankysteve wrote: »
    What that makes absoultely no sense?

    I said:
    Yes we are all supposed to be aware of potential hazards but some people are a hazard to themselves.If we all drove at a speed that accomodated this it would be about 5mph.Totally impractical.More people would die from air pollution and old age than were saved in collisions.


    Meaning if we all drove slow enough to react to every single situation we would barely be moving.There would be massive traffic congestion which leads to air pollution.
    The old age bit was a joke, didn't think that would need explaining.

    Driving is dangerous for everyone invlved but its here to stay so there has to be a balance between safety and practicality.
  • Queries
    Queries Posts: 188 Forumite
    Thank you to everyone who has taken the time and patience to reply to my post. I have taken on board everything which has been said, thank you.
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