Advice- unwarranted insurance claim

prettyplease

My insurance company informed me last week that a third party had made a personal injury claim against my car insurance. I had no knowledge of an incident. When I called for details my car was apparently in an incident and there was a witness to this. my car reg, make and model was given.

Luckily I was able to prove both myself and my car were 50 miles away from the alledged incident at the time. After a few emails with evidence (which I have had to go out of my way to get) today my insurers have said they will reject the claim against me.

Now this incident happened quite near to my home. I am wondering whether someone just saw my car locally and thought I would be an easy target. Luckily I had proof of my whereabouts on the day in question. Had it been a day either side I would have had trouble proving this.

This has angered me somewhat and has been worrying for a few days. Im just wondering whether this is a fraudulent claim rather than an honest mistake as they were still adamant my car was involved even after advised by my insurers that it was not me.

My query is will this be followed up by the insurers as a fraudulent claim? Should I call insurers and ask for further details or whether I should just leave it be.

Has anyone had a similar experience?
Thaks in advance

agrinnall

The alternative is that your car reg has been cloned and used on a similar vehicle. Quite how you can stop this I'm not sure, if the police would investigate that would probably work but I'd be surprised if you could convince them to.

dacouch

agrinnall wrote: »

The alternative is that your car reg has been cloned and used on a similar vehicle. Quite how you can stop this I'm not sure, if the police would investigate that would probably work but I'd be surprised if you could convince them to.

Or the third party was the victim of a hit and run and they / the witness only got the colour and make/model of the other car. They then spotted a similar car locally and assumed it was the vehicle that hit them and instigated a claim against it

InsideInsurance

There are so many possible explanations.

Arguably one of the issues of technology is that sources of data often get confused. The witness may have simply given a vehicle registration, that registration may have been recorded wrong by the witness, by the third party or by their insurers. As soon as we put a vehicle reg into our claims system it automatically brings back the make, model and colour and the agent is supposed to check that they match but if not all the details were gotten or the witness just says it was a "small car" then they cannot be checked.

Fast forward and the technical claims handler checks MID to find the insurer and sends a letter to your insurers which automatically pulls the data from the system which if not altered would be the DVLA data which is automatically "correct".

So a badly written note left on a windscreen can result in these errors despite the apparently accurate info

prettyplease

Thanks for the possible explanations. I will just hold off doing anything for now and give the insurers a call in a week or so to check there is nothing outstanding.
My insurers have been very pleasant to deal with so just hoping it is all resolved.