Insurance fraud

lovethymini

no-oneknowsme wrote: »

Im not going to pass judgement on whether i think you were right or wrong because you yourself know the full details of the claim and why you chose to report it BUT...

If the persons injuries can be backed up with medical records and trips to physio and such like , I honestly dont think that the "fraud" will be proven.

Many people can fool medics by saying that thier injuries are more painful and lingering than they really are but at the end of the day how can the insurance company weed out the claimants who are genuine from those who are not ? Medical records are examined before insurance claims are paid out and insurance companies also require claimants to attend consultation with "the big doctor" before they offer settlement .

Agreed.

The injury was something to do with the pelvis.

Ihatecameron

wba31 wrote: »

everyone's insurance has gone up, insurance companies are losing money through fraudulent claims, and also because of uninsured drivers. You didnt have to change your insurance comany. you dont have to own a car. however it's the frauds who are raising the prices...

There is a big difference between going up at the rate of inflation, which you expect, and doubling in cost. Car insurance is a legal requirement so you have no choice but to pay. Insurance companies are ripping people off because the law allows this.

I would like to see some evidence to back up your claim that insurance companies are losing money because I can't see how they can lose money when all they are giving people is a few sheets of A4 paper in return for hundreds and thousands of pounds in premiums.

Ihatecameron

MissMoneypenny wrote: »

Not true. Are you just saying this to try to put people off reporting thieves? In this case they will check the medical medical records to see it is a false claim, but insurerers also use private eyes to gather evidence of false claims.

It is very difficult to judge if a person has suffered because of an accident, they can be in accident and emergency one minute, after some treatment they are fine. I dare say by the time it takes an insurance company to pay, a person may be fully recovered, and there is no evidence of the original injury.

Put it this way, if a car hits you or crashes head on while you are in it, you will be in some pain.

alo6

Ihatecameron wrote: »

There is a big difference between going up at the rate of inflation, which you expect, and doubling in cost. Car insurance is a legal requirement so you have no choice but to pay. Insurance companies are ripping people off because the law allows this.

I would like to see some evidence to back up your claim that insurance companies are losing money because I can't see how they can lose money when all they are giving people is a few sheets of A4 paper in return for hundreds and thousands of pounds in premiums.

you are both right, but its not that simple as a few sheets of A4, look at the people who pay there £400 a year and write off a £20000 car. and on the other side not everyone has a crash hence why aviva reported a profit of £700million pounds last year.

i think insurance should be a non-profitable game as its a legal requirement, but i am young and naive.

Ihatecameron

alo6 wrote: »

you are both right, but its not that simple as a few sheets of A4, look at the people who pay there £400 a year and write off a £20000 car. and on the other side not everyone has a crash hence why aviva reported a profit of £700million pounds last year.

i think insurance should be a non-profitable game as its a legal requirement, but i am young and naive.

Naturally there will be some accidents, that is the nature of insurance and is factored into the cost of premiums. You make a claim and you will end up paying for that in renewal premiums because your insurance will go through the roof.