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Car Insurance - false claim?

Hi guys, hopefully this is the right place for this.

I've received notice from my current car insurer (admiral) this week that a claim has been filed against me from the 1st of January for a "changing lanes collision". Now I wasn't involved in an accident on the 1st of January or any time over the past two years so quite how that's happened I'm not so sure. At first I assumed that it was just a case of mistaken identity so I contacted my insurers to let them know as such.

When I told them that I was denying any involvement and the location/type of crash they were alleging was said, it sounded very similar to the only accident I've ever had which was in October 2013 when somebody went into the back of me (who drove off) causing me to change lanes and collide with somebody else. That however, was when I was with a different insurance company and was all sorted through them with both cars being fixed. When I mentioned this to them, they asked for the name of the person involved and when I supplied it they seemed interested and asked more questions about it.

A subplot to that is a text I received around 2 weeks ago from the person I crashed into asking for my details for "an insurance assessor". Looking back on it, I've no idea why I gave them my details but naively, I did.

So now I'm left with my current insurers saying that they've designated somebody to investigate my case but it could be weeks before they have an update. My insurance with them runs out in around three weeks time and I'm worried that with this false claim over my head and therefore no NCB, my quotes will be unmanageably high. I'm also unsure whether or not I should involve the police or not as it seems to be that if it is indeed the same guy, surely it's tantamount to insurance fraud?

Realise that this is probably quite a unique situation in that I genuinely haven't been involved in an accident but just wondered if anyone had any advice that they might be able to offer. Thanks!

Comments

  • Quentin
    Quentin Posts: 40,405 Forumite
    You say you haven't been involved in an accident, though it seems you were! (Did you tell admiral about it when originally taking out the policy?)


    Regarding the fraud you say this is, injury claims can be submitted up to 3 years after the event.
  • rs65
    rs65 Posts: 5,682 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Combo Breaker
    1st of January sounds like someone forgot to change the default date in a standard letter. I'll bet it does refer to your actual accident so a simple mistake and nowhere near tantamount to fraud.
  • Yes, I did tell admiral about the accident and cost of the Repairs. That seems like a ludicrous amount of time to claim for injuries. As a health professional who sees fake whiplash claims regularly it doesn't surprise me though. Thanks for your help.
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