Insurance advice for a friend

somethings a miss with her story.

*Your friend wasnt notified by his insurer when i was nocked off my motorbike the other guy wasnt informed the day i rang my insurers.

*She sells the car before repairing it.

*£600 to repair a bumper and not let you inspect it etc is madness.

I think she was just looking for an easy money earner. I really hate people like that. When someone reversed into the front of my car in the car park we settled on £100 just to have the scratch touched up. Wasnt looking for anything more or less as it was a genuine mistake.
 
Cuchulain said:
Clearly you don't know how insurance companies work. When someone reversed into my car, my insurance company told me to take it and get a written quote, this was sent off to the third parties insurance company and a cheque in my name was sent out the same week.
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The way MrLOL described it is the way it works 99% of the time. Your case was particularly unusual.
 
Neodite said:
When i had a claim a few years ago, i choose the body shop, got a quote, gave it to my insurance and they did the rest. Nothing was ever given to me
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i've been involved in a couple of insurance jobs (3 when i was younger:( ) and one or two my dad has had over the years - all of them the insurance co paid the money directly to the bodyshop.

But even if she does get the stuff in her back pocket, if they give her the £600 to fix the car, and they are unaware of the fact she's sold the car and wouldnt have given her the money if they knew

She would be committing insurance fraud.

Quick call to her insurance co to clarify if they aware of the fact she's sold the car would solve that.
 
Quinn paid out directly to me, Direct Line paid out directly to my brother, NIG paid out directly to my wife, like I said, far from unusual.

As for all this balls about insurance fraud, you don't even know when she put the claim in.
 
MrLOL said:
i've been involved in a couple of insurance jobs (3 when i was younger:( ) and one or two my dad has had over the years - all of them the insurance co paid the money directly to the bodyshop.

But even if she does get the stuff in her back pocket, if they give her the £600 to fix the car, and they are unaware of the fact she's sold the car and wouldnt have given her the money if they knew

She would be committing insurance fraud.

Quick call to her insurance co to clarify if they aware of the fact she's sold the car would solve that.
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Yeah i thought thats how it always gets done?

Does sound like she is trying to get some cash back for herself. She should have kept the car for longer and done it all legit, seems like she has missed her chance now
 
Cuchulain said:
Quinn paid out directly to me, Direct Line paid out directly to my brother, NIG paid out directly to my wife, like I said, far from unusual.

As for all this balls about insurance fraud, you don't even know when she put the claim in.
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It don't matter, the money is for the repairs. So inless she paid out of her own pocket and has a recipt for the repairs then it's fraud
 
Whats all this talk of insurance fraud? There's nothing in law saying you must keep a car after you're involved in a crash, however minor.

I would argue that you were not given a chance to fairly inspect a car when looking to get a second opinion on the quote.
 
So you would phone up your insurance company and say you have had a crash, it will cost £2000 to repair. But im not going to get the repair done, i want to go on holiday so if you can send me the money that will be great.

Tut.
 
Sigh.

Once the insurance company has paid you, you can do what you like with the money, there is no law or contract saying you must use that money to repair your car.
 
As above ..

Though, if (for example), your wheels fall off while you're hammering down the M4 and it turns out it's due to damage you haven't had repaired from your previous insurance claim, you'll be politely told to go forth and fornicate with yourself.
 
I had a long running insurance claim resulting from a pickup truck reversing into the side of my car. It went on so long that I had sold the car by the time it was resolved. I got a cheque (which must have been based on a quote I'd obtained for the work).
 
After some google time it seems you guys are right!

That is very suprising.

Im guessing this is why some companies pay the bodyshops direct?

Also does that mean someone could get too quotes? One for a lot, say a grand, then find anouther place that will do the job for half that. Send the grand quote to the insurance, get it repaired at the cheaper place and pocket half the money? It may not be fraud but it does feel wrong.
 
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Neodite said:
After some google time it seems you guys are right!

That is very suprising.

Im guessing this is why some companies pay the bodyshops direct?

Also does that mean someone could get too quotes? One for a lot, say a grand, then find anouther place that will do the job for half that. Send the grand quote to the insurance, get it repaired at the cheaper place and pocket half the money? It may not be fraud but it does feel wrong.
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Correct, however, the insurance company aren't under any obligation to accept your higher quote.
 
I know for a fact that the RBS group of insurers - Direct Line, Churchill etc etc send the car to one of their approved bodyshops and proceed to fit pattern parts to your car that are of inferior quality and don't even fit properly.

This is done despite car manufacturers not recommending the use of pattern parts for safety concerns.
 
Janesy B said:
I know for a fact that the RBS group of insurers - Direct Line, Churchill etc etc send the car to one of their approved bodyshops and proceed to fit pattern parts to your car that are of inferior quality and don't even fit properly.

This is done despite car manufacturers not recommending the use of pattern parts for safety concerns.
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Not for third party claims.
 
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