Providing insurance details to a car insurer for fictional crash

ed_r

Can anyone help?

My mother in law (in her seventies) has had a letter from Admiral Insurance saying that she was in an accident with someone in July.

She wasnt. This letter has come out of the blue...

She rang and told them she knows nothing about it, but they are insisting she should pass on her insurance details. I have told her not to.

It seems likely to be scam of some sort (or a mistake I suppose).

Does anyone have any insight or advice they can give me?

kingstreet

She should provide the details when they are requested. She may have been involved in an incident without her knowledge.

When Admiral (having been given the details) contact her insurers, they will ask her to complete a report of her recollections of the day/journey.

If she does not provide the details, Admiral would perhaps advise its policyholder to contact the police and there is then potential for an allegation of failing to stop, failing to report etc., to the registered keeper, which will be backed by a S172 request to provide the driver's details.

Alternatively, Admiral could obtain the details from the Motor Insurance Database and contact them directly. They will find out one way or another and the implications could be worrying. Better to provide the details and ask about the incident which is alleged.

ed_r

Thats helpful. Thanks.

I will keep you posted! I have told her to contact her own insurance company and get their advice.

It does turn out though that she was on holiday when it happened. So we will see. Perhaps someone borrowed it???

rs65

Unless she bumped someone and didn't realise, it sounds like a simple mistake.

She could respond saying she knows nothing of any accident. Ask them for details - date/time/location etc.

Nicholas-bloody-Parsons

July? Bit slow in reporting the incident.

There can be various explanations, someone might have recorded the incorrect reg number.

Do they have a description of the car and driver?

Someone else on here had the opposite problem, the driver failed to stop, they got the number, it was reported to the police, but the driver denied being involved. Nothing happened. Nothing will if there is no evidence.

kingstreet

Is anyone else insured to drive the vehicle?

ed_r

Good question. I asked the same thing. Her daughter (not my wife) and the porter at the flats she lives at. The porter had keys. I am exploring that as an explanation (although they have held them for years apparently).