Insurance claim woes

The burden of proof is on the other party (and their insurer) to provide sufficient evidence that it is "you" which was involved in an accident. That should include the basics such as where, when, what happened, their car etc.

You've then done the right thing by providing evidence you were no-where near, however, your insurer seems to be failing you by passing on the basic details of what has happened.

I would personally send them a very clear letter explaining that you were not there, you've forwarded proof, and you aren't going to entertain any further discussion on the subject until the details of the apparent claim someone is trying to make against your insurance are forwarded - which is definitely not an unreasonable request!
 
Malt_Vinegar said:
Does your phone log you location?

Mine is set to, and I can grab my location at any time, on any day for the last few years!
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It does, and would you believe... The earliest logged date was the 27th Nov to date, so I'm covered by my phone.

Thank you very much for pointing that out, I didn't think to use that feature.

tickedon said:
The burden of proof is on the other party (and their insurer) to provide sufficient evidence that it is "you" which was involved in an accident. That should include the basics such as where, when, what happened, their car etc.

You've then done the right thing by providing evidence you were no-where near, however, your insurer seems to be failing you by passing on the basic details of what has happened.

I would personally send them a very clear letter explaining that you were not there, you've forwarded proof, and you aren't going to entertain any further discussion on the subject until the details of the apparent claim someone is trying to make against your insurance are forwarded - which is definitely not an unreasonable request!
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Thanks, this was my thought too. I was beginning to question why I had to prove a negative (and how on Earth could I?)

We will see what their next correspondence is. Will update when I know more.
 
Happened to me with a different insurance provider.


They (Chaucer) were very good. I asked them to confirm the description of car from the claiming party. They didn't match.
(I say good, not good enough to check this before hand)
 
( |-| |2 ][ $;29065239 said:
Happened to me with a different insurance provider.


They (Chaucer) were very good. I asked them to confirm the description of car from the claiming party. They didn't match.
(I say good, not good enough to check this before hand)
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This is what I can't understand, surely they should get the information first?

Or is it that the other insurance company is so tight lipped, that it needs my insurance company to do some digging first?
 
Do u not remember where u was at on the specific date of the alleged accident? If u were in work then u will have proof that u was elsewhere!
 
Nonsense, proof that the driver of the vehicle was nowhere near and tell then you had the car with you in whatever location you may have been in.

Sent in writing, clearly stating they should provide some evidence that this was not the case, in the meantime figure out where the named driver was and get some sort of evidence of this too

If need be, send it in and tell them to come back when someone has bothered to do a bit of digging

You're going nowhere to have the car inspected, but more than happy for them to send someone to check it at your home or work.

Any more nonsense from Admiral start escalating, you have been more than reasonable to date. I had to get pretty firm with Admiral to sort out what was a reasonably simple claim
 
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one thing gets me out of this

wheres that guys proof that it was your car

or he just made up some radom reg number or looked on autotrader

end of the day if u deny and he aint got no proof how can they get u for it
 
Out of interest, have you ever posted a photo of your car online with the number plate visible?

Most cases like this, people answer "Yes" to this question :/
 
bledd. said:
Out of interest, have you ever posted a photo of your car online with the number plate visible?

Most cases like this, people answer "Yes" to this question :/
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Yeah, I have.

LeMaltor said:
It would suck driving to have it inspected and you actually do rear end something on the way there :p
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I made that point to Admiral, it's a 50 mile round trip after all. More than two lots of daily commutes for me.
 
wingman said:
Still got nothing back from Admiral today, despite getting the information back to them asap on Saturday morning.
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You need to contact the ombudsman before the claim starts progressing further, it's amazing how often people start playing ball when they hear the ombudsman will be marching in!
 
They did it with me as well, I ran a quote a couple of years ago to see out of curiosity (following a pub conversation) what an IN10 would do to the premium (£1000 more). They sent me a recorded letter along the lines of "You failed to declare your IN10. Your insurance will be declared void in 3 days unless you provide proof otherwise".

I rang them immediately and explained the situation, it took a scan of my license and a three way conference call with the DVLA to prove my license was clean. Even then the tone of his voice suggested he still didn't believe me. What if this had happened while I was away on holiday or away on business for a week? I'd be driving back up the motorway completely unaware I was driving uninsured. Guilty until proven innocent.

I'll never use them again.
 
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