Fraudulent injury claim after bump

Fraudulent injury claim after bump

Author
Discussion

Killer2005

Original Poster:

19,595 posts

227 months

Thursday 17th April 2014
quotequote all
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

anonymous-user

53 months

Thursday 17th April 2014
quotequote all
No, you've done the right thing, let the insurers deal with it as that's what they're paid for.

Vaud

50,290 posts

154 months

Thursday 17th April 2014
quotequote all
Pass all to the insurers.

pork911

7,087 posts

182 months

Thursday 17th April 2014
quotequote all
Killer2005 said:
..is there anything else that could be done?
produce evidence of the fraud that you boldly claim, or do you not have that? wink

CAPP0

19,533 posts

202 months

Thursday 17th April 2014
quotequote all
Vaud said:
Pass all to the insurers.
who will, in my direct experience, ignore whatever you tell them and simply pay out anyway.

TwigtheWonderkid

43,248 posts

149 months

Thursday 17th April 2014
quotequote all
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. confused

CAPP0

19,533 posts

202 months

Thursday 17th April 2014
quotequote all
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. confused
Since you obviously know all the fine detail of my own experience, I'll just outline it for everyone else tongue out

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"


Vaud

50,290 posts

154 months

Thursday 17th April 2014
quotequote all
TwigtheWonderkid said:
Yeah...all those money grabbing insurers ever do is pay out for no good reason....oh, hang on. confused
They do seem to settle low value personal injury claims where the cost to fight it exceeds the pay out.

TwigtheWonderkid

43,248 posts

149 months

Thursday 17th April 2014
quotequote all
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. confused
Since you obviously know all the fine detail of my own experience, I'll just outline it for everyone else tongue out

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"

Did you have video footage of her skipping around the supermarket. Or was it just your word against hers. And hitting someone at 15mph, which you have admitted to, is a significant impact and certainly enough to cause whiplash. And one assumes she had a doctors/hospital letter to back up her 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.

LoonR1

26,988 posts

176 months

Friday 18th April 2014
quotequote all
And they didn't pay £4k for whiplash either.

hedgefinder

3,418 posts

169 months

Friday 18th April 2014
quotequote all
technically possibly not, but whiplash plus loss of earnings is a distinct possibility.

Nimby

4,572 posts

149 months

Friday 18th April 2014
quotequote all
CAPP0 said:
Since you obviously know all the fine detail of my own experience, I'll just outline it for everyone else tongue out

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.

Fozziebear

1,840 posts

139 months

Friday 18th April 2014
quotequote all
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.

dacouch

1,172 posts

128 months

Friday 18th April 2014
quotequote all
CAPP0 said:
Since you obviously know all the fine detail of my own experience, I'll just outline it for everyone else tongue out

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 day

Tribal Chestnut

2,997 posts

181 months

Friday 18th April 2014
quotequote all
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?

Tribal Chestnut

2,997 posts

181 months

Friday 18th April 2014
quotequote all
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?

Fozziebear

1,840 posts

139 months

Friday 18th April 2014
quotequote all
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.

pork911

7,087 posts

182 months

Friday 18th April 2014
quotequote all
CAPP0 said:
Since you obviously know all the fine detail of my own experience, I'll just outline it for everyone else tongue out

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?

Which bits are you ignoring?

pork911

7,087 posts

182 months

Friday 18th April 2014
quotequote all
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

TwigtheWonderkid

43,248 posts

149 months

Friday 18th April 2014
quotequote all
pork911 said:
CAPP0 said:
Since you obviously know all the fine detail of my own experience, I'll just outline it for everyone else tongue out

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?
I think by "ignore" he means "didn't do what I wanted them to do but did the right thing in the circumstances."