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  • FIRST POST
    • philtrainer
    • By philtrainer 12th Feb 18, 3:30 PM
    • 2Posts
    • 1Thanks
    philtrainer
    Don't get mugged by your insurer
    • #1
    • 12th Feb 18, 3:30 PM
    Don't get mugged by your insurer 12th Feb 18 at 3:30 PM
    Had a call from Direct Response saying I was eligible for some compensation because of a car accident. Said the insurance company is not required to tell us we're owed something but claim it themselves if we don't....sounded like a scam to me but wondered if anyone on here knows anything about this? Was my wife driving and her fault but kids were in the car and Direct Response said the money was due to them being in the car. They weren't hurt though...any suggestions on what this is about?
Page 1
    • Ebe Scrooge
    • By Ebe Scrooge 12th Feb 18, 3:34 PM
    • 4,127 Posts
    • 3,569 Thanks
    Ebe Scrooge
    • #2
    • 12th Feb 18, 3:34 PM
    • #2
    • 12th Feb 18, 3:34 PM
    It's ambulance-chasing parasites, utter scum-bags. They're hoping to claim totally unwarranted compo on your behalf, then pocket a big fat fee / percentage for themselves. It's the most common scam around.


    Ask yourself this : what financial loss has your wife suffered as a result of her not being hurt in the accident ? That's the amount of compensation you could reasonably be entitled to.


    Aside from that, it's scum like this that simply push up premiums for the rest of us.


    Oh, and the bit about your insurance company claiming it for themselves is utter codswallop. You're not "due" anything.
    I may not know much about art, but I know what I like.
    • philtrainer
    • By philtrainer 12th Feb 18, 4:07 PM
    • 2 Posts
    • 1 Thanks
    philtrainer
    • #3
    • 12th Feb 18, 4:07 PM
    • #3
    • 12th Feb 18, 4:07 PM
    Thanks, I think that's what I presumed. I was just a bit confused by the fact he said the insurance company would claim something due to us if we didn't claim it ourselves.
    • rudekid48
    • By rudekid48 12th Feb 18, 4:10 PM
    • 2,077 Posts
    • 3,563 Thanks
    rudekid48
    • #4
    • 12th Feb 18, 4:10 PM
    • #4
    • 12th Feb 18, 4:10 PM
    Thanks, I think that's what I presumed. I was just a bit confused by the fact he said the insurance company would claim something due to us if we didn't claim it ourselves.
    Originally posted by philtrainer
    Who would the insurer claim it from - themselves?
    All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.
    • Ebe Scrooge
    • By Ebe Scrooge 12th Feb 18, 4:19 PM
    • 4,127 Posts
    • 3,569 Thanks
    Ebe Scrooge
    • #5
    • 12th Feb 18, 4:19 PM
    • #5
    • 12th Feb 18, 4:19 PM
    Thanks, I think that's what I presumed. I was just a bit confused by the fact he said the insurance company would claim something due to us if we didn't claim it ourselves.
    Originally posted by philtrainer

    He was just telling a bare-faced lie - as I say, they're all utter scum-bags. I regularly get calls from them about the compensation I can claim for my accident. Despite the fact that I can honestly say I've never never been involved in an accident in my life.


    Top tip - it's fun to string them along for as long as possible, keep them on the phone and waste their time. I can usually manage about 10 minutes until they ask me about the nature of my injuries. At which point I tell them I was actually killed, but thankfully I'm a Buddhist and was reincarnated. Oddly, they tend to hang up at that point
    I may not know much about art, but I know what I like.
    • IanMSpencer
    • By IanMSpencer 13th Feb 18, 8:48 AM
    • 1,462 Posts
    • 1,079 Thanks
    IanMSpencer
    • #6
    • 13th Feb 18, 8:48 AM
    • #6
    • 13th Feb 18, 8:48 AM
    I've evolved a withering

    "What a waste of your life"

    as the only thing I say when I get one of these calls. I do not feel any empathy for these call centre workers, they are involved in criminal deception.
    • Nodding Donkey
    • By Nodding Donkey 13th Feb 18, 2:57 PM
    • 2,530 Posts
    • 2,141 Thanks
    Nodding Donkey
    • #7
    • 13th Feb 18, 2:57 PM
    • #7
    • 13th Feb 18, 2:57 PM
    Had a call from Direct Response saying I was eligible for some compensation because of a car accident. Said the insurance company is not required to tell us we're owed something but claim it themselves if we don't....sounded like a scam to me but wondered if anyone on here knows anything about this? Was my wife driving and her fault but kids were in the car and Direct Response said the money was due to them being in the car. They weren't hurt though...any suggestions on what this is about?
    Originally posted by philtrainer

    So they are saying that your wife's insurance company could claim on the kids behalf off of themselves?

    What a complete load of boll&^%s
    • Aretnap
    • By Aretnap 14th Feb 18, 9:27 AM
    • 2,958 Posts
    • 2,474 Thanks
    Aretnap
    • #8
    • 14th Feb 18, 9:27 AM
    • #8
    • 14th Feb 18, 9:27 AM
    Thanks, I think that's what I presumed. I was just a bit confused by the fact he said the insurance company would claim something due to us if we didn't claim it ourselves.
    Originally posted by philtrainer
    This is basically not true.

    The justification, such as it is, for the claim is that for accounting purposes your wife's insurer will have set aside a sum of money just in case your children try to make an injury claim at some point. (They have to be able to show the regulators that they have enough cash to pay out reasonably foreseeable future claims and are not at risk of insolvency). If a claim never shows up then this cash will no longer be set aside and will go back into the insurer's general pot of money.

    It is quite a distortion of the facts though to claim that there's a pile of money somewhere that you're entitled to and the insurers will claim it if you don't. Your insurer certainly doesn't become richer as a result of you crashing and not claiming, as opposed to not crashing at all - all that happens is that the the insurer's accountants move money from one column to another in the spreadsheet, and then back again.

    (Your wife cannot make a claim for an injury caused by her own fault, but in theory had the children been injured they could have claimed against your wife, and her insurer. A passanger who is injured by careless driving has a claim against the driver, and that claim doesn't go away just because they happen to be related. But if the children weren't injured that's academic. Essentially the caller is trying to persuade you to make a fraudulent injury claim on behalf of your children. Apart from anything else this would involve telling your children to lie about being injured, which doesn't seem like a very nice thing to do.)
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