Insurance claim woes

muon said:
Remember unfortunately if you don't help them, they will have to pay out. The 3rd party will provide witness statements and evidence of damage. Your premium will go up.

Admiral will have nothing to defend themselves on your behalf.

Crucially remember that they are an agent on your behalf. They are just covering your liabilities. You can't just ignore this or not make an effort to defend yourself. This is an accusation against you, not Admiral.

If this went to court for example, you would provide evidence you weren't in Wigan, have no matching damage with an independent mechanical report etc. and you'd be doing this out of your own pocket.

There are also many people who do get into accidents and then feign ignorance.
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Interesting, do you have specific knowledge in this area, I struggle to see how a claim can go through,.

If this worked we would be swamped with people making bogus claims.

Surely the claimant would easily get done for fraud , seems unlikely to me.

Sounds like admiral have got confused and don't want to bother checking, I would just keep saying you weren't there, must be someone else.
 
Slam62 said:
Interesting, do you have specific knowledge in this area, I struggle to see how a claim can go through,.

If this worked we would be swamped with people making bogus claims.

Surely the claimant would easily get done for fraud , seems unlikely to me.

Sounds like admiral have got confused and don't want to bother checking, I would just keep saying you weren't there, must be someone else.
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It could be a mistake. However, bogus claims happen all the time.

Insurance companies do not want to go to court as costs become so much higher. However, they won't bother trying to defend you or take this to court to call someone's bluff if you don't help them at all.
 
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Well I've had one claim on my insurance and that was definitely my fault.

We've made a couple of claims against others and had no problems, one bloke did question the cost of the repair for a bit, tbh it was a rip off.
 
If the other party is claiming for injury, which is likely in these fraudulent claims, the insurance company will make a bit of effort even if you aren't being helpful. As teenwolf said ask them if they could come out and see your vehicle.
 
How can the car condition be proof of anything?

If you must, send them a letter recorded delivery saying you weren't there or just report it to the police.
 
To be clear guys, I've been as helpful as possible with them thus far, save for spending a couple of hours visiting one of their body shops. I've already spent around two hours today drafting emails, taking phone calls, photographing my car etc. This is time out of my weekend that I won't get back.

I've provided credit card statements and a dozen photos. I've explained the situation clearly, that only myself and my girlfriend will have had access to the car, and we were both nowhere near Wigan on that day (or any, for that matter).

I've also said I will take it to a local garage for the inspection to be carried out.

Am I not being reasonable? Please tell me if I'm not.
 
wingman said:
To be clear guys, I've been as helpful as possible with them thus far, save for spending a couple of hours visiting one of their body shops. I've already spent around two hours today drafting emails, taking phone calls, photographing my car etc. This is time out of my weekend that I won't get back.

I've provided credit card statements and a dozen photos. I've explained the situation clearly, that only myself and my girlfriend will have had access to the car, and we were both nowhere near Wigan on that day (or any, for that matter).

I've also said I will take it to a local garage for the inspection to be carried out.

Am I not being reasonable? Please tell me if I'm not.
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My comments weren't to say you have acted unfairly. It was more directed at the people saying you should do even less.

It also helps understanding POV of the insurer as well.

It sounds like you have been reasonable.
 
wingman said:
To be clear guys, I've been as helpful as possible with them thus far, save for spending a couple of hours visiting one of their body shops. I've already spent around two hours today drafting emails, taking phone calls, photographing my car etc. This is time out of my weekend that I won't get back.

I've provided credit card statements and a dozen photos. I've explained the situation clearly, that only myself and my girlfriend will have had access to the car, and we were both nowhere near Wigan on that day (or any, for that matter).

I've also said I will take it to a local garage for the inspection to be carried out.

Am I not being reasonable? Please tell me if I'm not.
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I think you have reasonable. As has been said say you are happy for an inspector to come and look at your car at home but you will not waste hours driving to their place of choice.

Also, ask them for more information, does the description ( make model colour) of the car match? Does the description of the driver match. Do they have what time it happened?
 
muon said:
My comments weren't to say you have acted unfairly. It was more directed at the people saying you should do even less.

It also helps understanding POV of the insurer as well.

It sounds like you have been reasonable.
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I'm not out to annoy the company by any means, and explained multiple times on the phone to Admiral that even though this is a massive personal inconvenience to myself, I'm still happy to help where I can reasonably expected to do so.

Jono8 said:
I think you have reasonable. As has been said say you are happy for an inspector to come and look at your car at home but you will not waste hours driving to their place of choice.

Also, ask them for more information, does the description ( make model colour) of the car match? Does the description of the driver match. Do they have what time it happened?
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This is what is most annoying about the whole thing, Admiral said that the information they have is safeguarded by the other insurer at this point, so even when I asked "Is it a BMW in blue that rear ended this Clio?", he hesitated and wouldn't confirm any details.

Another point against me is that my girlfriend is insured on the vehicle, therefore if it was a woman driving, it would immediately be nothing to do with me anyway.
 
I wouldn't worry about basic things like that. Your insurer already knows what colour your car is and will pick holes in any statement forwarded to them. That may not even happened yet.

Remember also it is possible the "other" insurer is actually them and so they have DPA rules to follow.
 
I am still positive this won't be the last I hear of it but you have made me step out of the situation and take it from a different perspective.

Let's wait and see what their next move is.
 
koolpc said:
To be honest, i wouldn't have sent them statements from your credit card etc! Sounds dodgy.
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Plenty of ways of getting the required information to them without including any confidential information, I'm sure the OP covered that base. I doubt it's "dodgy" in as much as a way of extracting such info, far to cumbersome a method, easier ways to get said info IMHO.
 
Dav4 said:
The sad thing is some retarded insurance companies actually pay out on silly claims like this even if it's nothing to do with you.
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Depending on the nature of the claim it may not be "retarded", but rather standard risk management. They could estimate the potential cost of defending the claim to be greater than the cost of paying it, for example.
 
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