Insurance scams
Last week my partner was involved in a minor parking incident. From a standstill she drove no more than 3 feet into the side of a 1st generation Vauxhall Vectra.
The two male occupants quickly ushered her to move the cars to prevent blocking other cars in the car park. My partner complied so did not get any photos of the immediate post accident situation. The barely visible damage to her Fiesta and its height confirms that her car could not have caused the damage to the Vectra claimed by the two occupants.
Last Monday we had a very aggresive message on her answer phone from an Accident Management company advising she was breaking the law by not having reported the incident to her insurer. On Saturday we got two separate letters from a solicitor as both parties are claiming whiplash from am impact that was both side on and could not have beem at more than 5mph.
No claim has been posted yet for damage to the Vectra. The Vectra is insured by Aviva whose Chief Exec has stated that he wants an end to false whiplash claims yet his company employs an Accident Management company who seem to have instantly got these two young men to make a false personal injury claim.
On advising our insurer, they told us not to bother telling the Police about what is a civil case of fraud, surely, as they wouldn't be interested as nobody was injured. As the two occupants are claiming that they were injured yet neither called for Police attendance at the incident or reported it to them afterwards this further indicates fraud to us, as does the fact the driver left the passenger to speak to my partner at the scene as he 'had to get lunch and get back to work', running off towards shops to do so.
How should we ensure that our insurance premiums do not escalate as a result of this bogus claim? My partner is now sure that these lads were cruising the car park looking to commit this act. They would have seen her car emerging from the parking lane but made no attempt to either avoid her or warn her of their approach. Please can you offer us some advice?
The two male occupants quickly ushered her to move the cars to prevent blocking other cars in the car park. My partner complied so did not get any photos of the immediate post accident situation. The barely visible damage to her Fiesta and its height confirms that her car could not have caused the damage to the Vectra claimed by the two occupants.
Last Monday we had a very aggresive message on her answer phone from an Accident Management company advising she was breaking the law by not having reported the incident to her insurer. On Saturday we got two separate letters from a solicitor as both parties are claiming whiplash from am impact that was both side on and could not have beem at more than 5mph.
No claim has been posted yet for damage to the Vectra. The Vectra is insured by Aviva whose Chief Exec has stated that he wants an end to false whiplash claims yet his company employs an Accident Management company who seem to have instantly got these two young men to make a false personal injury claim.
On advising our insurer, they told us not to bother telling the Police about what is a civil case of fraud, surely, as they wouldn't be interested as nobody was injured. As the two occupants are claiming that they were injured yet neither called for Police attendance at the incident or reported it to them afterwards this further indicates fraud to us, as does the fact the driver left the passenger to speak to my partner at the scene as he 'had to get lunch and get back to work', running off towards shops to do so.
How should we ensure that our insurance premiums do not escalate as a result of this bogus claim? My partner is now sure that these lads were cruising the car park looking to commit this act. They would have seen her car emerging from the parking lane but made no attempt to either avoid her or warn her of their approach. Please can you offer us some advice?
Asked on 15 July 2012 by Scottybloke
Answered by
Honest John
Tell all concerned you will see them in court. They are less likely to lie under oat and risk a prison sentence for perjury. The only way this kind of scam can be stopped is by the victims taking the scammers to the small claims track of the county court.
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