Insurance fraud?

mrecuk

A member of my family has damaged their Motability car. I am a named driver on the insurance but haven't driven the car in months as we are no longer speaking. I received a call from the approved repair garage asking when I was bringing in the car for repair. I found this a little odd as I wasn't the one who made a claim for the repair through the insurance.

So I rang up the insurer and they said that a claim has been filed under my name for the damage by another member of the family (the policy holder). I explained that it was not me as I no longer keep in contact with said family member due to a family breakdown and that I haven't driven the car in a number of months but they said that they cannot do anything about it and that I must sort it out with the family member.

What can I do about this? I have tried contacting the family member who is the policy holder who made the claim in my name to find out why they have made a fraudulent claim and to correct the situation but I have had absolutely no luck. Is this a police matter? I had heard from another member of the family that it may have been because someone else was driving at the time who is not insured. (the policy holder cannot drive due to disability so I highly doubt it was them). Because I drive for a living, I can't afford for my insurance to go up because of an accident that had nothing to do with me.

Thanks

TheTalkingDead

mrecuk wrote: »

A member of my family has damaged their Motability car. I am a named driver on the insurance but haven't driven the car in months as we are no longer speaking. I received a call from the approved repair garage asking when I was bringing in the car for repair. I found this a little odd as I wasn't the one who made a claim for the repair through the insurance.

So I rang up the insurer and they said that a claim has been filed under my name for the damage by another member of the family (the policy holder). I explained that it was not me as I no longer keep in contact with said family member due to a family breakdown and that I haven't driven the car in a number of months but they said that they cannot do anything about it and that I must sort it out with the family member.

What can I do about this? I have tried contacting the family member who is the policy holder who made the claim in my name to find out why they have made a fraudulent claim and to correct the situation but I have had absolutely no luck. Is this a police matter? I had heard from another member of the family that it may have been because someone else was driving at the time who is not insured. (the policy holder cannot drive due to disability so I highly doubt it was them). Because I drive for a living, I can't afford for my insurance to go up because of an accident that had nothing to do with me.

Thanks

I suppose you can get evidence to prove at the time and date of the accident that you were no where near? If so, provide this to RSA. Even if at time and date you were at home who can make a sworn statement to the fact?


Who is in a neutral position to state there is a family feud and make a statement to it. Tell RSA they have a copy of your photo ID and see if the third party to the claim can ID you from it.


I would also contact action fraud https://www.actionfraud.police.uk/contact-us and tell them what has transpired and tell RSA that you have informed them provide the crime ref number and insist they contact them to provide as much evidence as they can to help clear your name.

mrecuk

TheTalkingDead wrote: »

I suppose you can get evidence to prove at the time and date of the accident that you were no where near? If so, provide this to RSA. Even if at time and date you were at home who can make a sworn statement to the fact?


Who is in a neutral position to state there is a family feud and make a statement to it. Tell RSA they have a copy of your photo ID and see if the third party to the claim can ID you from it.


I would also contact action fraud https://www.actionfraud.police.uk/contact-us and tell them what has transpired and tell RSA that you have informed them provide the crime ref number and insist they contact them to provide as much evidence as they can to help clear your name.

I have a screenshot of a text from another family member from a person who was in the car at the time asking for help as their partner had damaged the car. As far as I am aware, the partner who was driving has no licence or insurance which is why I think they have tried to blame me. There was no other vehicle or person involved. From what I am told, the vehicle was damaged on a post or wall or some sort but was put through as an insurance claim due to the cost of repairs.

When I spoke to RSA, they told me they can't do anything and that I have to resolve it with the policy holder to dispute who was driving. And seeing as though they seem to be unreachable, I was wondering whether to go through the police as this has got to be insurance fraud? I have the messages saying who was driving, and I can prove I wasn't' anywhere near the location.

AndyMc.....

mrecuk wrote: »

I have a screenshot of a text from another family member from a person who was in the car at the time asking for help as their partner had damaged the car. As far as I am aware, the partner who was driving has no licence or insurance which is why I think they have tried to blame me. There was no other vehicle or person involved. From what I am told, the vehicle was damaged on a post or wall or some sort but was put through as an insurance claim due to the cost of repairs.

When I spoke to RSA, they told me they can't do anything and that I have to resolve it with the policy holder to dispute who was driving. And seeing as though they seem to be unreachable, I was wondering whether to go through the police as this has got to be insurance fraud? I have the messages saying who was driving, and I can prove I wasn't' anywhere near the location.

Why not call your insurance company and ask them how to proceed given RSA won't speak to you. After all you've a marker against you on the CUE database which needs to be removed as they may think you're making a false declaration when you renew your insurance.

sevenhills

mrecuk wrote: »

I received a call from the approved repair garage asking when I was bringing in the car for repair. I found this a little odd as I wasn't the one who made a claim for the repair through the insurance.

So I rang up the insurer and they said that a claim has been filed under my name for the damage by another member of the family (the policy holder).

Go to the garage with your ID and tell them not to proceed with the repair.

AndyMc.....

sevenhills wrote: »

Go to the garage with your ID and tell them not to proceed with the repair.

That won't solve anything and he's not in a position to prevent the repair.

mgfvvc

mrecuk wrote: »

Is this a police matter? I had heard from another member of the family that it may have been because someone else was driving at the time who is not insured.

Unless it was on private land then an uninsured driver would be a police matter.

Also, if they have told RSA that you were the driver when you were not then RSA's fraud department should take an interest.

If the call centre won't pass you to the fraud department then a formal complaint might get some action?

Mercdriver

mgfvvc wrote: »

Unless it was on private land then an uninsured driver would be a police matter.

Also, if they have told RSA that you were the driver when you were not then RSA's fraud department should take an interest.

If the call centre won't pass you to the fraud department then a formal complaint might get some action?

The OP stands to be disadvantaged financially because of a claim being made fraudulently in his name, so yes, I'd call it a police matter.

AndyMc.....

Mercdriver wrote: »

The OP stands to be disadvantaged financially because of a claim being made fraudulently in his name, so yes, I'd call it a police matter.

Getting them to take enough of an interest to record it is however another matter.

MEM62

Sorry OP but I am struggling with the credibility of a couple of your statements.

Firstly, a family member cannot register or submit a claim on your behalf. If you were allegedly involved in the incident then the statement has to come from you. Secondly, I cannot accept that the insurer would be so flippant or dismissive when informed of these circumstances. There is no way that they would not investigate further.

mrecuk

MEM62 wrote: »

Sorry OP but I am struggling with the credibility of a couple of your statements.

Firstly, a family member cannot register or submit a claim on your behalf. If you were allegedly involved in the incident then the statement has to come from you. Secondly, I cannot accept that the insurer would be so flippant or dismissive when informed of these circumstances. There is no way that they would not investigate further.

The family member who made the claim is the policy holder on the insurance and I am a named driver. As the policy holder cannot drive due to being disabled, they have said that I was driving the vehicle at the time (I can only assume that someone who wasn't supposed to be driving, was driving at the time).

In regards to the insurer, this is exactly what I thought. I explained that it was not me who was driving and that I could prove I wasn't and they just seemed to fob me off (which I don't understand because I thought that this would have been taken up by their fraud team). This is why I was questioning whether or not to involve the police because a false insurance claim has been made but the insurer for whatever reason doesn't seem to want to know.