Can I put a password?

were you at fault for the accident? if so, he can claim whatever he likes. for all you know, his employer may be chasing him for the money back which he was paid whilst off work.

if youre certain and can prove that he is claiming twice for the loss of earning, then accept the claim and defend it on those terms. the CPR states that you cannot claim for something that he been paid back to you already... but he if really wants, he could get his employer involved, as technically you own them money.

im more than happy for you to call me and chat about this if you like
 
Phate said:
does anybody know if I can put a password on my Churchill policy so he can't access it?
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Hi, sorry, but I'm a bit confused. Do you mean that he has to send you a letter claiming for comp, and you literally just forward it straight to CH? If so, then why can't he just send it direct to CH? The reason I ask is that say you and him don't get on, then you wouldn't forward it on. So surely he could just send it to CH anyway to guarantee delivery? Say you'd died in the accident for example, then he'd have to send it direct to CH. I don't see why you have to act as a go-between and can effectively prevent him from claiming?
 
It might be "Selfish" but you can't stop it from happening.

He crashed with you driving, and you should take responsibility for that. If it ends your friendship then fair enough, but you wount be able to stop him from claiming.

What you going to do next, sit outside his house and see which postbox he goes to so you can torch it?
 
Matt82 said:
were you at fault for the accident? if so, he can claim whatever he likes. for all you know, his employer may be chasing him for the money back which he was paid whilst off work.

if youre certain and can prove that he is claiming twice for the loss of earning, then accept the claim and defend it on those terms. the CPR states that you cannot claim for something that he been paid back to you already... but he if really wants, he could get his employer involved, as technically you own them money.

im more than happy for you to call me and chat about this if you like
Click to expand...


The insurers have it down as my fault as the other car didn't stop, and nobody else saw it happen.

He himself has told me he has been payed (I have the msn convo saved) and that he just wants some extra money for a project on his car.

Surely with a back like he is claiming he wouldn't be able to work on his car? ;)

And plus his payment would show up on his payslip at the end of the month.

If he was paralysed from the waist down or had broken his back and had to have surgery then I wouldn't have a problem with it.

It's the morals of it I have a problem with.
 
You haven't told us what he is claiming for, why he is claiming or the circumstances of the accident. Thats why I said its sketchy, how are people meant to help you without those key facts?

Have a read here, I am in a similar situation: http://forums.overclockers.co.uk/showthread.php?t=17662812&highlight=whiplash

Happens all the time according to my insurers. You have no control who can or cannot claim from you its not upto you to decide. Its a legal process which is normally settled out of court. I have been told that no matter how much they claim it will have no affect on my future premiums.

I was at fault for the accident so people are able to claim from me. Whether they are successfull or not is another matter.
 
Samtheman1k said:
Hi, sorry, but I'm a bit confused. Do you mean that he has to send you a letter claiming for comp, and you literally just forward it straight to CH? If so, then why can't he just send it direct to CH? The reason I ask is that say you and him don't get on, then you wouldn't forward it on. So surely he could just send it to CH anyway to guarantee delivery? Say you'd died in the accident for example, then he'd have to send it direct to CH. I don't see why you have to act as a go-between and can effectively prevent him from claiming?
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I'm going by the fact that he told me I would have to forward it to Churchill.
 
To be honest you both sound like a pair of kids trying to wind one another up. If he was serious then he would have a solicitor to start legal proceedings. After you are involved in a non fault accident they will be queing up for their cut of the payout.

Similarly, you do not have any say whatsoever in what he can or cannot do from a legal point of view. You were at fault for the accident so this is just something that comes with it. Regardless of what he needs the money for, he is perfectly entitled to try and claim from your insurers but whether he gets anything is a different story.

Wouldn't worry about it at all. You will not have to foot the bill or suffer in anyway because of it.
 
Phate said:
The insurers have it down as my fault as the other car didn't stop, and nobody else saw it happen.

He himself has told me he has been payed (I have the msn convo saved) and that he just wants some extra money for a project on his car.

Surely with a back like he is claiming he wouldn't be able to work on his car? ;)

And plus his payment would show up on his payslip at the end of the month.

If he was paralysed from the waist down or had broken his back and had to have surgery then I wouldn't have a problem with it.

It's the morals of it I have a problem with.
Click to expand...

well your Defence sounds ok in theory, he will be required to prove that he has suffered the loss of earning. if he can prove this, the court will grant it to him.

you mention he is claiming for a back injury too? well there is a lot of pre action protocol that states he'll need medical reports to substantiate the claim.


in short, youre responsible for the accident so if there are losses resulting from the accident, the buck stops with you. i think you should take a sightly more mature attitude to the whole claim. if you think you have such a great defence, then why are you worried? go by the process and avoid the matter being issued without you knowing what to do and it blowing up in your face.

if you continue to act awkward and be obstructive to the claim, his solicitors (if they are switched on) will be able to seek their legal costs to be paid by you too.


your choice fella. you made a mistake on the road, these are the consequences
 
You don't half get in some scrapes Phate!

I understand how you feel about the morals of your mates claim but it looks like you have no choice.

Just another reason why we all pay such high insurance in the first place. We all pay for these dubious claims through our premiums so why not put in a claim when the chance arises.
 
Matt82 said:
you mention he is claiming for a back injury too? well there is a lot of pre action protocol that states he'll need medical reports to substantiate the claim.
Click to expand...


This is why he was signed off from work, because his back became inflamed and couldn't get to work due to the accident.


Thanks the advice though :) I really appreciate it, and it helps when someone is here that knows what they are talking about.
 
If he's complaining of a back injury he'll most likely be offered private treatment. Insurers are moving towards paying for treatment now rather than giving people cash. The people that need help get sent to BUPA for treatment, and the people that are just on the take get busted.
 
UPDATE : Phoned my insurance company and have indeed been able to put a password on the policy, as well as some extra security details.

Understanding from this thread it sounds as if there isn't all the much I can do if my "mate" does indeed pursue this claim with solicitors and what not, but it's for extra peace of mind I guess. :)
 
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