How can I contest a fraudulent insurance claim?

Last week my wife had a minor bump in Bolton town centre. She was reversing round a corner when she clipped a car that was turning out of the corner. The damage was minimal, with just a scrape, no dent on my wife's car and a very small dent on the wheel arch of the other care. The incident was duly reported to our insurer, LV. Today LV telephoned to say that the other party is claiming to have been injured, which cannot possibly be the case given the low impact: neither car can have been moving at more than 5mph. LV say it will be difficult to contest the claim but they will request an independent medical report. Is there anything else you would advise we do in attempting to counter this outrageous claim?

Asked on 11 May 2013 by CW, Bury

Answered by Honest John

If there is an injury, the police have to be called to the scene. No police called, no supportive evidence of injury. Remind the other party that a man was recently sentenced to nine months imprisonment for making a false injury claim. Additionally, since 2 April 2013, litigation specialists are no longer allowed to operate on a no-win no-fee basis with all their fees coming from the losing party. From April 2013 their fees have to come out of the compensation awarded to the injured party, up to 25 per cent of the claim, and obviously this is going to put off a lot of spurious claimants.

Tags: fraud legal advice insurance scams

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