Nightmare Begins.

mickyflinn said:
Yesterday i Recieved a text and email from my old car insurance stating a claim has just been made against you from an incident back in April 2021(10 months ago). Apparently somone called John driving my car mounted the curb and ran over the foot of the claimant.

Which is complete lies.

My car at the time was not working head gasket or valve gone and been parked on the drive for a few months while contemplating wether to get it fixed, low funds. 2 months ago i sold the car to a local recovery as scrap.

My insurance company said that do i have any evidence its was on the drive , but how do I prove that , no pics or videos.

I'm totally frustrated that people will try to scam you.

Any advice would be appreciated.
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Wait so an insurance company who usually relies on evidence rather than word of mouth is willing to go against the grain and follow through with a fraudulent claim with no evidence at all?

Something stinks about this.

Edit* Seen the further posts above.
 
mickyflinn said:
Yesterday i Recieved a text and email from my old car insurance stating a claim has just been made against you from an incident back in April 2021(10 months ago). Apparently somone called John driving my car mounted the curb and ran over the foot of the claimant.

Which is complete lies.

My car at the time was not working head gasket or valve gone and been parked on the drive for a few months while contemplating wether to get it fixed, low funds. 2 months ago i sold the car to a local recovery as scrap.

My insurance company said that do i have any evidence its was on the drive , but how do I prove that , no pics or videos.

I'm totally frustrated that people will try to scam you.

Any advice would be appreciated.
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What evidence do they have of this "incident"?
 
Any sort of incident where someone is injured should have been reported to the police at the time so you have to question why its taken so long.

Another possibility is that your plates were cloned but if your car was SORN you'd likely have received some fine by now.

I'd just send proof of it being SORN and take it from there.
 
mrk said:
Wait so an insurance company who usually relies on evidence rather than word of mouth is willing to go against the grain and follow through with a fraudulent claim with no evidence at all?

Something stinks about this.

Edit* Seen the further posts above.
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Yaayuh! said:
What evidence do they have of this "incident"?
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Just a report there waiting for further evidence from the claimant.
 
Puzzled said:
Any sort of incident where someone is injured should have been reported to the police at the time so you have to question why its taken so long.

Another possibility is that your plates were cloned but if your car was SORN you'd likely have received some fine by now.

I'd just send proof of it being SORN and take it from there.
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Yes I agree about the police which is another worry .

Will do with the sorn , tx
 
mickyflinn said:
Just a report there waiting for further evidence.
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Then just inform them that it did not occur and you believe it to be a scam. If you have anything that might help your case (like SORN as mentioned) then let them know and leave it at that for now. No reason to take it further unless it requires legal action.
 
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I wouldn't worry too much. You do need some level of evidence for these things to go thought and 10 months between the incident and claiming? Come on son. Complete scam and very obvious as well.
 
Did a garage diagnose the issue with the car and fix it? Perhaps they would have records / remember and be willing to make a statement saying it was undriveable for that period?
 
On a scale of 1 to 10 of things to worry about it's a negative figure, if all you cite is correct. Do as little as possible and say as little as possible, let the claimant make his case. The police have a good nose for scams, and most certainly insurance companies do, so let them sort it out.

Caveat, my wife just reminded me of the time my late grandfather, who was a solicitor, advised a client to do nothing as the police had no case against him, just ignore it. A week later my mother who worked in his offices got a phone call at home to say the client was in jail and needing bail... My grandfather was in the pub, the worse for drink, so sent my mother into the office for money for the client's bail cursing the police and all and sundry loudly :) We often used to wind my grandfather up over it.
 
The insurance is trying to get it dismissed without having to get your legal cover involved so has asked you for anything they can use. I'd verify it is the insurance company your talking to and help them out with anything you have available. If it goes any further they'll likely pass it to their legal team who will work out your defence :)

Might be worth checking what you were doing that day, see if you can pull bank or card records for transactions that day to prove you (or anyone whose insured to drive the car) was somewhere else. As others have said if you have milage records at scrapping and hopefully before it was laid up that may help. I'
 
dLockers said:
I expect they'll have an army of witnesses too.
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And that’s not difficult, many moons ago I stopped my taxi at a red light at the bottom of Pelham St. Kensington, j/o Brompton Cross and was none too gently rear ended by a BMW driven by a 40 something woman.
I got out to look at the rear of the cab, and to ask her for her name and address, she waved her hand and said that she’d only disturbed the dust on my rear bumper, got back in and drove off.
Couple of phone calls later I had two Black Cab drivers details, they’d both ‘witnessed’ the incident clearly as they were driving by.
Upshot was that the collision had actually dented the fuel tank, under the boot, no leakage, but a definite failure on the super dooper annual Black Cab examination by TFL to be licenced to ply for hire.
The woman’s insurance company settled the claim in full.
It was a shame that I had to wave a magic wand to get my witnesses, but failing that, the repair would have down to me.
 
Hades said:
If it was SORN then, had you driven it any great distance, you would very likely have picked up a fine from the DVLA from ANPR. Maybe suggest to your insurance company that they contact the DVLA and enquire whether any fines were issued (which I assume were not) - more evidence you didn't drive it.
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You may be overestimating how many ANPR cameras there actually are.
 
I think the fact it was sorn and off road will be enough for you insurance company. The insurance company won’t just accept witness statements as proof, they will look for other evidence that it was your car, CCTV/anpr/gps to show the car was actually there. At the end of the day it’s their money they are protecting.
 
dave28 said:
Oh dear, i dont know what you should do but i would seek legal advice from an expert.

False claims are very common, the fact it was 10 months ago shows it is an obvious scam, the time delay taking advantage of the system to try and make sure you would probably have deleted any record of dashcam footage from a memory car or whatever i would have thought.

People do it to businesses and the Councils, they wait until dashcam is likely deleted so it is harder to rubbish their claims.
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Of course its a scam and its rife at the moment dashcams really ought to be mandatory at this point or there ought to be massively reduced premiums for having one
 
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