Fraudulent injury claim after bump
Discussion
Chaps
My mother was involved in a crash in her works car park in November 2012, in which a bloke entered the car park entrance too quickly and hit the front offside corner of my mums car and scrape down the offside door, however not sure of the damage to his car but from what my mum said was not great. At the time, the insurers somehow came to the conclusion that was 50/50 and processed it as that.
This week my mother has received a summons from court stating that the bloke is now claiming it was a head on crash, his car was written off and he's now mysteriously suffering from whiplash etc
I believe my mum may have the pictures of her car after the incident, and I've told them to go straight to the insurers with this, but is there anything else that could be done?
Thanks
My mother was involved in a crash in her works car park in November 2012, in which a bloke entered the car park entrance too quickly and hit the front offside corner of my mums car and scrape down the offside door, however not sure of the damage to his car but from what my mum said was not great. At the time, the insurers somehow came to the conclusion that was 50/50 and processed it as that.
This week my mother has received a summons from court stating that the bloke is now claiming it was a head on crash, his car was written off and he's now mysteriously suffering from whiplash etc
I believe my mum may have the pictures of her car after the incident, and I've told them to go straight to the insurers with this, but is there anything else that could be done?
Thanks
TwigtheWonderkid said:
CAPP0 said:
who will, in my direct experience, ignore whatever you tell them and simply pay out anyway.
Yeah...all those money grabbing insurers ever do is pay out for no good reason....oh, hang on. Ran into the back of a car at a roundabout. Speed probably 15mph. Both cars slightly bent. No airbags deployed. No obvious or apparent injuries.
Following day I saw the (young female) driver of the car I had hit, in the local supermarket, veritably skipping around (really) in a relaxed and carefree manner, chatting on her phone. She didn't spot me.
Fast forward a couple of weeks,
3rd Party: "Aaargh, my whiplash is terrible, I can't work, I've been in constant pain Mr Insurer"
Me: "Er, Mr Insurer, you might want to verify that, I have seen the 3P in public acting in a manner which suggests lesser or no injury"
Mr Insurer: "Dear 3P, that's terrible, here, have £4000 compo, we don't mind and we won't check and after all it's about 3 times what your car is worth so hopefully you'll leave us alone now and we can go back to drinking tea and not do too much work on investigating this case"
CAPP0 said:
TwigtheWonderkid said:
CAPP0 said:
who will, in my direct experience, ignore whatever you tell them and simply pay out anyway.
Yeah...all those money grabbing insurers ever do is pay out for no good reason....oh, hang on. Ran into the back of a car at a roundabout. Speed probably 15mph. Both cars slightly bent. No airbags deployed. No obvious or apparent injuries.
Following day I saw the (young female) driver of the car I had hit, in the local supermarket, veritably skipping around (really) in a relaxed and carefree manner, chatting on her phone. She didn't spot me.
Fast forward a couple of weeks,
3rd Party: "Aaargh, my whiplash is terrible, I can't work, I've been in constant pain Mr Insurer"
Me: "Er, Mr Insurer, you might want to verify that, I have seen the 3P in public acting in a manner which suggests lesser or no injury"
Mr Insurer: "Dear 3P, that's terrible, here, have £4000 compo, we don't mind and we won't check and after all it's about 3 times what your car is worth so hopefully you'll leave us alone now and we can go back to drinking tea and not do too much work on investigating this case"
It's not rocket science. They paid £4K because they knew from experience that fighting it would cost them a lot more and they'd almost certainly lose so she'd get a higher award plus they'd incur higher costs. They didn't pay because they couldn't care less and enjoy throwing £4K away. They were acting in your best interests, keeping the claim cost as low as possible.
CAPP0 said:
Since you obviously know all the fine detail of my own experience, I'll just outline it for everyone else
Ran into the back of a car at a roundabout. Speed probably 15mph. Both cars slightly bent. No airbags deployed. No obvious or apparent injuries.
Following day I saw the (young female) driver of the car I had hit, in the local supermarket, veritably skipping around ...
The one time I've been rear-ended it took a few days for the whiplash pain to kick in; same for the missus who was with me. I don't know if that's typical, but this was before the days of injury compensation.Ran into the back of a car at a roundabout. Speed probably 15mph. Both cars slightly bent. No airbags deployed. No obvious or apparent injuries.
Following day I saw the (young female) driver of the car I had hit, in the local supermarket, veritably skipping around ...
Leave it with the insurance company to deal. They will have all the info from the original incident to produce, if she has legal cover they will assist. Whiplash is a common claim normally after a couple of days, and the constant calls from the claim companies. I've investigated these claims and other more serious claims. In 3 years I have only found 3-4 to be genuine injuries.
CAPP0 said:
Since you obviously know all the fine detail of my own experience, I'll just outline it for everyone else
Ran into the back of a car at a roundabout. Speed probably 15mph. Both cars slightly bent. No airbags deployed. No obvious or apparent injuries.
Following day I saw the (young female) driver of the car I had hit, in the local supermarket, veritably skipping around (really) in a relaxed and carefree manner, chatting on her phone. She didn't spot me.
Fast forward a couple of weeks,
3rd Party: "Aaargh, my whiplash is terrible, I can't work, I've been in constant pain Mr Insurer"
Me: "Er, Mr Insurer, you might want to verify that, I have seen the 3P in public acting in a manner which suggests lesser or no injury"
Mr Insurer: "Dear 3P, that's terrible, here, have £4000 compo, we don't mind and we won't check and after all it's about 3 times what your car is worth so hopefully you'll leave us alone now and we can go back to drinking tea and not do too much work on investigating this case"
Whiplash typically does not kick in until the following dayRan into the back of a car at a roundabout. Speed probably 15mph. Both cars slightly bent. No airbags deployed. No obvious or apparent injuries.
Following day I saw the (young female) driver of the car I had hit, in the local supermarket, veritably skipping around (really) in a relaxed and carefree manner, chatting on her phone. She didn't spot me.
Fast forward a couple of weeks,
3rd Party: "Aaargh, my whiplash is terrible, I can't work, I've been in constant pain Mr Insurer"
Me: "Er, Mr Insurer, you might want to verify that, I have seen the 3P in public acting in a manner which suggests lesser or no injury"
Mr Insurer: "Dear 3P, that's terrible, here, have £4000 compo, we don't mind and we won't check and after all it's about 3 times what your car is worth so hopefully you'll leave us alone now and we can go back to drinking tea and not do too much work on investigating this case"
Tribal Chestnut said:
Do any of the perpetrators of obvious fraud ever get prosecuted? I'm aware of the bigger cases with gangs etc, but what of the everyday bulls**t mongers who are found to have lied for financial gain?
Not sure on prosecution side, they do tend to withdraw the claim when they see the footage proving they are faking it. CAPP0 said:
Since you obviously know all the fine detail of my own experience, I'll just outline it for everyone else
Ran into the back of a car at a roundabout. Speed probably 15mph. Both cars slightly bent. No airbags deployed. No obvious or apparent injuries.
Following day I saw the (young female) driver of the car I had hit, in the local supermarket, veritably skipping around (really) in a relaxed and carefree manner, chatting on her phone. She didn't spot me.
Fast forward a couple of weeks,
3rd Party: "Aaargh, my whiplash is terrible, I can't work, I've been in constant pain Mr Insurer"
Me: "Er, Mr Insurer, you might want to verify that, I have seen the 3P in public acting in a manner which suggests lesser or no injury"
Mr Insurer: "Dear 3P, that's terrible, here, have £4000 compo, we don't mind and we won't check and after all it's about 3 times what your car is worth so hopefully you'll leave us alone now and we can go back to drinking tea and not do too much work on investigating this case"
Which bit did they 'ignore' exactly?Ran into the back of a car at a roundabout. Speed probably 15mph. Both cars slightly bent. No airbags deployed. No obvious or apparent injuries.
Following day I saw the (young female) driver of the car I had hit, in the local supermarket, veritably skipping around (really) in a relaxed and carefree manner, chatting on her phone. She didn't spot me.
Fast forward a couple of weeks,
3rd Party: "Aaargh, my whiplash is terrible, I can't work, I've been in constant pain Mr Insurer"
Me: "Er, Mr Insurer, you might want to verify that, I have seen the 3P in public acting in a manner which suggests lesser or no injury"
Mr Insurer: "Dear 3P, that's terrible, here, have £4000 compo, we don't mind and we won't check and after all it's about 3 times what your car is worth so hopefully you'll leave us alone now and we can go back to drinking tea and not do too much work on investigating this case"
Which bits are you ignoring?
Tribal Chestnut said:
Do any of the perpetrators of obvious fraud ever get prosecuted? I'm aware of the bigger cases with gangs etc, but what of the everyday bulls**t mongers who are found to have lied for financial gain?
Yes, but there's a difference between failing to come up to proof as opposed to an obvious fraud with a finding of lying.Edited by pork911 on Friday 18th April 11:09
pork911 said:
CAPP0 said:
Since you obviously know all the fine detail of my own experience, I'll just outline it for everyone else
Ran into the back of a car at a roundabout. Speed probably 15mph. Both cars slightly bent. No airbags deployed. No obvious or apparent injuries.
Following day I saw the (young female) driver of the car I had hit, in the local supermarket, veritably skipping around (really) in a relaxed and carefree manner, chatting on her phone. She didn't spot me.
Fast forward a couple of weeks,
3rd Party: "Aaargh, my whiplash is terrible, I can't work, I've been in constant pain Mr Insurer"
Me: "Er, Mr Insurer, you might want to verify that, I have seen the 3P in public acting in a manner which suggests lesser or no injury"
Mr Insurer: "Dear 3P, that's terrible, here, have £4000 compo, we don't mind and we won't check and after all it's about 3 times what your car is worth so hopefully you'll leave us alone now and we can go back to drinking tea and not do too much work on investigating this case"
Which bit did they 'ignore' exactly?Ran into the back of a car at a roundabout. Speed probably 15mph. Both cars slightly bent. No airbags deployed. No obvious or apparent injuries.
Following day I saw the (young female) driver of the car I had hit, in the local supermarket, veritably skipping around (really) in a relaxed and carefree manner, chatting on her phone. She didn't spot me.
Fast forward a couple of weeks,
3rd Party: "Aaargh, my whiplash is terrible, I can't work, I've been in constant pain Mr Insurer"
Me: "Er, Mr Insurer, you might want to verify that, I have seen the 3P in public acting in a manner which suggests lesser or no injury"
Mr Insurer: "Dear 3P, that's terrible, here, have £4000 compo, we don't mind and we won't check and after all it's about 3 times what your car is worth so hopefully you'll leave us alone now and we can go back to drinking tea and not do too much work on investigating this case"
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