Ambulance chasers

Her insurance company didn't seem in the slightest interested, and the letter regarding being sued, doesn't give any opportunity to put forward a defence; it simply tells her that she is being sued for damages to persons and property.

Reading the drivers claim of lower back and leg pain, his form then goes on to state that he didn't seek any medial help, take time off of work, or anything - odd as he's self employed in a physical role. It's such a blatant case of trying it on, and for the good ol' cases of whiplash/back pain/whatever we can claim for, but the audacity to make up stories that others were in the car as well!

It's bound to result in a payout, and thanks to folk here, it sounds as if we won't hear any more about it - so mind is at least at rest in that regard. It is still annoying to know that they will probably get compo for lying, and will be yet another case pushing all our insurance costs up that little bit more.

That's a total sham then, if they don't seek medical help injury claims should be thrown out straight away.
 
That's a total sham then, if they don't seek medical help injury claims should be thrown out straight away.

Agreed - sadly though, I'm sure the law firm can tie things up in many ways, and drag it out with the ever looming threat that it'll cost more in fees - so the insurer will no doubt settle to just get rid.

Ah well, there's not really anything we can do - let us hope that karma works its wonders at some point.
 
Why would you care.

Its not gonna make a single bit of difference to you or ur missus. A as far as ur concerned a claim is a claim u less anyone died obv. Tell the insurance company the truth and let them deal with it

Your/her insurance will go up and thats it

this. tell the truth on your part and let the insurance deal with it, you can't do much if they lie unfortunately , don't stress yourself out about it
 
this. tell the truth on your part and let the insurance deal with it, you can't do much if they lie unfortunately , don't stress yourself out about it

Think this is what we need to do - if someone wishes to be dishonest, then we can't change that - given a situation where there is money to be made; I expect we'd all give it some serious thought - especially as there's no obvious or immediate victim. They have just opted to play the system, and sadly unscrupulous companies like this law firm are allowed to carry on scaring people and getting compo cash for lies.

It's funny how people think, when I was going through a personal injury claim after my serious bike crash (10 days in hospital, 6 in ICU, broken body/mind and metal work) I felt like a right scum bag for claiming; yet I was perfectly justified in going for it - whereas these people aren't. So when all these loopholes and things get locked down even more, some poor bugger who does need to claim may end up getting nothing or a reduced amount.
 
Unfortunately this is the way insurance works. Your wife is now deemed to be at a higher risk of another crash, and that is then reflected through your policy.

Agreed it's completely unjustified, but that's just the way it works.
Oh O know the BS behind it. But how often are you in more than one accident? Surely now that you had one that's you off the hook for a while :P. Simply being in a crash doesn't magically make you x2 more likely to have another.
 
Oh O know the BS behind it. But how often are you in more than one accident? Surely now that you had one that's you off the hook for a while :p. Simply being in a crash doesn't magically make you x2 more likely to have another.

Sadly that is exactly how insurers see it - if anything, I bet all drivers would think "sod being in a crash again!" and would be extra vigilant, or stay at home :D
 
Evening gents.

Looking for a bit of advice really - the misses was involved in a car accident about a month ago, her fault, as she ran into the back of someone who hesitated at a roundabout.

Anyway, the guy in the other car got out and said he was fine, they exchanged details and he was off, my wife was left stranded on a dual carriageway as her car wouldn't move; but thankfully a breakdown van was behind her and helped shift her car.

Today, two letters arrived from a 'law firm', one on behalf of the blokes wife (not in the car at the time) and the other on behalf of the bloke who was driving... Add to this, both letters claim there were a total of 5 passengers in the car!

Now, unfortunately my wife forgot basic guidelines and didn't get any witness details from the breakdown guy, who she tells me saw the accident and the guy - there's a slim chance that we can call to ask if they have records of vans in the area, but she's not 100% on the company... so we could be calling quite a few.

Obviously she cannot prove that it was only the guy driving, but where does she stand, anyone had this before? It looks like the other party have fallen for the lucrative offer from an ambulance chaser here and are bulling up their story.

She's on the blower to her insurers now, so hopefully they can assist, if not, what do we face GD?

Thank you.


Sorry if this has been asked but did you other half have a good quality dash cam? Such a thing would surely be able to pick up the driver getting out of the card and possible be able to tell how many people were in the back of the car as well.
 
Sorry if this has been asked but did you other half have a good quality dash cam? Such a thing would surely be able to pick up the driver getting out of the card and possible be able to tell how many people were in the back of the car as well.

Sadly she doesn't, the breakdown vehicle behind her may have - but it's a long shot. Hopefully nothing comes back to her in the proceedings, but we may invest in a camera in the future...
 
Oh O know the BS behind it. But how often are you in more than one accident? Surely now that you had one that's you off the hook for a while :p. Simply being in a crash doesn't magically make you x2 more likely to have another.

Twice? No, but maybe a few percent, and that's enough.

Insurers have enormous amounts of data on crashes etc. and they will know that if you have one accident you are more likely to have another.
 
I swear the whole car insurance industry is a complete racket and that they welcome claims such as these in order to increase there premiums over time.

No evidence to support this but i just get the impression the majority of the industry does not act in the best interest of their customers.
 
You need to fight this op! It's complete Fraud to lie that there was 5 people in the car. They will all get 2-3k each for that and the law firm and car repairs will probably approach 10k on top of that.
It baffles me how everyday law abiding people think it's ok to commit Fraud when it comes to car accidents without giving it a second thought.
.Try and get the names of the claimants and then look them up on social media. It's not hard and most people are that dumb they will probably still post convicting evidence.
.It's laughable that they did not seek medical attention at all and he carried on working. If it's a physical job then he obviously is not injured.
.Chase the recovery guy up for a statement. He will most likely have a dash cam.
.and most important check the whole area for any cctv cameras! Footage can be requested from these and they would show it was only him in the car.
 
Since they have an accident on their history, their premiums are likely to go up.

If their car was on their drive and just happened to get all the windows smashed, tires slashed and keyed on every panel and they made another claim then it would most likely put their premiums up even more, especially if it happened repeatedly. Totally unrelated to the situation at hand of course :)
 
Sounds like a crash for cash scam. Suddenly stopping on a roundabout is a tactic they use, because they know people will be looking right and not straight ahead.

Yeah, it's called a staged crash. A few variations of it. The one that the OP is affected by sounds like the first one on that page ("swoop and squat").

https://en.wikipedia.org/wiki/Staged_crash
 
You need to fight this op! It's complete Fraud to lie that there was 5 people in the car. They will all get 2-3k each for that and the law firm and car repairs will probably approach 10k on top of that.
It baffles me how everyday law abiding people think it's ok to commit Fraud when it comes to car accidents without giving it a second thought.
.Try and get the names of the claimants and then look them up on social media. It's not hard and most people are that dumb they will probably still post convicting evidence.
.It's laughable that they did not seek medical attention at all and he carried on working. If it's a physical job then he obviously is not injured.
.Chase the recovery guy up for a statement. He will most likely have a dash cam.
.and most important check the whole area for any cctv cameras! Footage can be requested from these and they would show it was only him in the car.

Yep, there is a lot they can be done to catch him. But often the insurers just can't be bothered and nor can the police :/

I'm not sure if you could take him to a civil court over this, but with the evidence it would be open and shut against him.
 
Yep, there is a lot they can be done to catch him. But often the insurers just can't be bothered and nor can the police :/

I'm not sure if you could take him to a civil court over this, but with the evidence it would be open and shut against him.
That's the annoying thing that most insurers just can't be bothered fighting it which is ridiculous. Although I do believe if op is with a good reputable company like Lv, Aviva, Direct line, Churchill and tells them it's a fraudulent claim and they face paying out for 5x whiplash claims at 2-3k a pop they might look into it as they do when they fully believe they are being taken for a ride.
I have heard of a good few people representing themselves in court with things like this lately fighting fake injury claims.
There must be cctv around and if the guy was on his way to pick the kids up which I think op mentioned then there will be proof they were in school till after the accident and maybe his wife was in work. All these idiots could be found out so easily with basic checks
 
always have a dashcam, no excuse.

A crap one which is perfect for daytime driving costs £15. Also my insurance is cheaper because i have one
 
As long as insurance companies keep penalizing people for non-fault claims things like this will continue to happen. A friend had a nonfault claim years ago at renewal time his insurance went up by around £300 and again for a simillar amount for years after. Had he known what was going to happen he said he wouldve of proberly put in a claim.

I'm not surprised that some people put in claims that may or not be legitimate to mitigate the loss that wasnt their fault.
 
Yeah, it's called a staged crash. A few variations of it. The one that the OP is affected by sounds like the first one on that page ("swoop and squat").

https://en.wikipedia.org/wiki/Staged_crash

Happens quite a lot, however things are moving in the right direction.

This is a good read - one of my former colleagues worked on this case. Quite interesting how many people were involved and how the Police went about piecing the evidence together.

http://www.bbc.co.uk/news/uk-wales-35357195
 
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