false car insurance claim made against me

DUTR

lumixldn wrote: »

In my post i mentioned the T&C just state incident but not "incident which may lead to a claim against the policyholder".

Which underwriter is this?
Any random party can have escalated any 'incident' via the authorities if they want to, not even need to have any conversation to the other imaginary party. What matter is the facts and evidence.

Seems you are clasping at straws now.
An incident occurred as you had a note left on your car of which you responded to.
Logic dictates that the car was in the adjacent space before you arrived, the other party must have good reason to leave the note on your car and not any other random car in the car park

lumixldn

DUTR wrote: »

Seems you are clasping at straws now.
An incident occurred as you had a note left on your car of which you responded to.
Logic dictates that the car was in the adjacent space before you arrived, the other party must have good reason to leave the note on your car and not any other random car in the car park

I can't disclose the underwriter but is one of the big insurer in UK.

I don't even know if the car was in the adjacent space because I don't even have the reg number/ car colour /make of the alleged party (as i said any random car can claim), but I have given all my parking footage.on the day to my insurer to review.

I can sense who is clasing at straws.

DUTR

lumixldn wrote: »

I can't disclose the underwriter but is one of the big insurer in UK.

I don't even know if the car was in the adjacent space because I don't even have the reg number/ car colour /make of the alleged party (as i said any random car can claim), but I have given all my parking footage.on the day to my insurer to review.

I can sense who is clasing at straws.

No one asked for your insurance company (see what your thinking does?)
The T&Cs from the underwriters will be the same for all class of policy holder, so the part that you say is omitted from your T&Cs perhaps you think it is missing

The other party?..... Well they have good reason to think that your car has caused damage to theirs in the said car park, perhaps they have recalled cctv footage from the car park operator, how could you be so lucky for them to choose you over any other vehicle that day?
I take it you respond t all flyers left on your car windscreen too?

lumixldn

DUTR wrote: »

No one asked for your insurance company (see what your thinking does?)
The T&Cs from the underwriters will be the same for all class of policy holder, so the part that you say is omitted from your T&Cs perhaps you think it is missing

The other party?..... Well they have good reason to think that your car has caused damage to theirs in the said car park, perhaps they have recalled cctv footage from the car park operator, how could you be so lucky for them to choose you over any other vehicle that day?
I take it you respond t all flyers left on your car windscreen too?

In this case the underwriters is same as the insurer company. (yep, i know the difference and i know how to find T&C)

I don't think they have recalled cctv footage (I would rather ask my insurance company to do that if that is possible), the insures company told me that they have some photo of paint transfer as proof (which i didn't have access to). As I mentioned before my car has some minor scratch and wear and tear after 10 years, must be considered as an easy target (but definitely no paint transfer)

I normally don't response to all flyers left on my windscreen, I response to this is because I thought must be a mistaken case and just try to call to understand the situation. Only after reach home I did some search on interernet and realized this may be an insurance fraud or scam..

Yep... keep going

DUTR

lumixldn wrote: »

In this case the underwriters is same as the insurer company. (yep, i know the difference and i know how to find T&C)

I don't think they have recalled cctv footage (I would rather ask my insurance company to do that if that is possible), the insures company told me that they have some photo of paint transfer as proof (which i didn't have access to). As I mentioned before my car has some minor scratch and wear and tear after 10 years, must be considered as an easy target (but definitely no paint transfer)

I normally don't response to all flyers left on my windscreen, I response to this is because I thought must be a mistaken case and just try to call to understand the situation. Only after reach home I did some search on interernet and realized this may be an insurance fraud or scam..

Yep... keep going

So a totally bald person finds a flyer on their vehicle for a hair salon, they call to understand the situation?
A flyer for powered garage doors is on your car yet, your dwelling doesn't have a garage, you call to understand the situation?
A flyer to complete some landscape gardening or patio cleaning is on your car , yet one lives in a tower block, you call to understand the situation?

I wonder why you really called the number on the note?

a.turner

lumixldn wrote: »

Last month I parked my car in a public car park, the car park was very busy on the day therefore I paid extra attention to park my car properly. I am 100% sure that my car didn't make any contacts to any other cars while I was parking. Upon return in the evening there was a note attached to my windowscreen, the note was from the driver who alleged parked next to my car and accused it me hit his car (based on some old minor scratch on my car) and leave his phone number.

I rang the number and tell the driver that I didn't make any contacts to his car and I have dashcam footage to proof that. The driver was very rude and said he will report to the police and hang up. Realizing this might have been a scam, I have kept a backup of the dashcam footage on the day.

After a few weeks my insurance company contacted my saying that police have notified them that I have involved in an accident on that day in car park, and they have photos of paint transfers on my car as proof. I told my insurance company that I am not aware my car has been involved in any accident on that day. I told insurance company what had actually happened, and my insurance company asked me to upload the dashcam video footage for investigation which I subsequently did. However, the insurance company told me that it would take a while for them to look at the footage and decide how to deal with it.

I am just wondering apart from waiting for my insurance company, what kind of actions i should take to protect myself? This looks like a fraudulent insurance claim, should I report this to police? My car is over 10 years old and definitely have some old minor wear and tear scratch on it but definitely no paint transfer, does it mean that anyone could take a photo on my car and claim against my insurance without any witness or so? Also how can I make sure my years of NCB won't be affected while the insurance company is dealing with this.

Strange that there was an allegation made following.

lumixldn

DUTR wrote: »

So a totally bald person finds a flyer on their vehicle for a hair salon, they call to understand the situation?
A flyer for powered garage doors is on your car yet, your dwelling doesn't have a garage, you call to understand the situation?
A flyer to complete some landscape gardening or patio cleaning is on your car , yet one lives in a tower block, you call to understand the situation?

I wonder why you really called the number on the note?

All your example above is offering service that i don't need rather than falsely accusing me doing anything wrong. Which is very different case.

On the day I called because my first instinct is to tell the driver he is mistaken (i feel very strong if someone accuse me sth i didn't do).

Yes, in hindsight i shouldn't have call.

lumixldn

a.turner wrote: »

Strange that there was an allegation made following.

Believe it or not, it is the case, because the car park was very busy on that day.

missile

lumixldn wrote: »

I would call this very discretionary, it seems strange to me to notify them at the time.


Is there anything I could do if i want to make sure the insurers do not payout to the 3rd party? As I am definitely not involved in the alleged accident and have strong evidence against it (happy to defend in court as far as it goes). I don't want to help encourage this kind of easy false/mistaken insurance claim and also want to put an effect to protect my NCD.

You cannot prevent insurers doing what they feel is appropriate. However if they do, you could raise an action against 3rd party in County Court for damages.

DUTR

lumixldn wrote: »

All your example above is offering service that i don't need rather than falsely accusing me doing anything wrong. Which is very different case.

On the day I called because my first instinct is to tell the driver he is mistaken (i feel very strong if someone accuse me sth i didn't do).

Yes, in hindsight i shouldn't have call.

And in hindsight you should have notified the insurer, after all you remember the day well, to park 100% carefully, you are sure you didn't hit that car the same car that the driver left a note on your car, you probably thought you didn't hit the other vehicle, and according to your logic, what you think must be correct.