Car Insurance Scam

RobinwithanA

Advice welcome please. In August 2021 I received an email  from my insurers, Aviva, that limited details of a collison had been reported to them by another party, purporting that I had reveresed into a stationary  vehicle  the month before. I advised that this incident never took place.  Last year, I checked my claim history with Aviva and saw this was still an open claim so I emailed again and spoke to an advisor and reiterated the incident never happened and was , in my view, a scam. Again, this year, I contacted Aviva and they  advised it was closed as a No Fault Claim. I said it couldn't be classified as a claim on my records because it never happened but then left it as finalised. In Friday, I received a bundle of paperwork from Keoghs acting for a Claimant,   being a County Claim form for car repair and car hire in September 2021 and statutory interest in respect of this supposed RTA. I told Aviva and sent them the documents. The advisor I spoke to said Aviva would deal with it  but, in order to protect my position, I have asked Keoghs to let me know where to file my defence and Acknowledgment of Service. The Claimant, presumably the owner of the car, is not named on any of the paperwork. Another party is named as the driver of the hire vehicle and named as a reference on the garage invoice.  I have received no photographic evidence of the damage or an assessment by the repair garage nor the location of the alleged RTA.. I have no evidence the Claimant made payment  and a  the billing on the hire rental invoice is Hastings v Aviva. I am at a loss as to what is going on. Whenever Ive had a prang, it's always been dealt with and settled by both parties' insurance companies. I'm at a loss as to what is going on. Should I instruct a solicitor, file m defence, let Aviva deal with it? Any ideas please?

DullGreyGuy

Let Aviva deal with it, it's what you paid them for. 

DullGreyGuy

RobinwithanA said:

Thnaks but , as it has been served on me, I feel it a little remiss not to deal with the Court procedure rather than make any more assumptions and end up with a CCJ. Are you aware of scams like this?

Then inform your insurers, they will want a letter of indemnity from you so that if you mess it up and make them liable whereas they feel they'd have successfully defended the claim you will reimburse them. 

99% aren't scams, they are simple mistakes in people reading registration plates or witnesses handwriting etc. I've dealt with hundreds of such cases in may days as a claims handler

RobinwithanA

Thank you, my insurers are aware and this is not a simple mistake with regard to misreading the number plate or, indeed, anything else, but I appreciate your contribution.

Mildly_Miffed

RobinwithanA said:

Thank you, my insurers are aware and this is not a simple mistake with regard to misreading the number plate or, indeed, anything else, but I appreciate your contribution.

How do you know that?

If your car is AB12CDE, and somebody saw AB12CDF hit the parked car but misread it as yours, that's the "misreading the number plate" right there.

Of course, somebody who really HAS hit a parked car and driven off will say "Nope, wasn't me", too.

RobinwithanA

I know what happened because I was there. And I didn't drive off but thanks for your observation

cw8825

RobinwithanA said:

I know what happened because I was there. And I didn't drive off but thanks for your observation

So its not a case of mistaken identity. Did anything actually happen?
Your saying you didn't reverse into the third party but have the cars made contact?
What scam do you believe this to be?

The more information you give will help others help you.

RobinwithanA

I didn't reverse into anything, no. There was no contact, only a slight disagreement about his parking in the middle of a right of way on a private road. I have no idea why this is happening but presume he wanted some repairs doing to his 2009 car. The whole matter is odd 

RobinwithanA

The claim is being made not by the driver but by someone else, presumably his partner at the same address. I wold call it fraud.The questions I asked are should I instruct a solicitor, file my defence, let Aviva deal with it? Any ideas please? 

cw8825

Let aviva deal with it that is their job
all you can do is assist them by providing your evidence although being 3 years later I doubt there is much rise apart from your denial

I believe it will be reissued against Aviva’s nominated solicitors


from the outside looking in - this looks a lot more than a ‘slight disagreement’ about parking

 

RobinwithanA

Thank you. Yes there cleary is more to this than a disagreement, which is why I posted. I wondered if anyone had any experience of this sort of false accusation or of Keoghs.