Insurance trouble

[Rakip123]

Hi all need some help,


A couple of weeks ago I had been waiting to turn at a junction (not moving) as I'm waiting a moped slowly rides into the front corner of may car, as I get out he states you've hit my bike I'm injured and demanded my insurance details.


At this point I was trying to work out what could possibly have happened for him to hit my car, a number of passer bys came and offered to be witnesses some calling out the moped rider had been waiting and deliberately rode his bike into my car.

Realising I had witnesses and also I had dashcam footage I thought that was that open shut I'll not waste any more time at the scene and inform my insurance company let them reach out to his insurance he's at fault and arrange for repair.


Same day I log the incident and inform them I don't want this to be a claim under my policy (so as to protect no claims, excess etc) but as the other road user is clearly at fault to reach out to the riders insurance and get them to resolve, I duly submit video, photographic and witness details.


Queue two weeks passes and I reach out to my insurance company, they advise the incident is under validation they believe this may be a scam (deliberate crash on the part of the motorbike rider) and that they have received a claim from the other party for both personal injury and also replacement hire transport costs exceeding £1000 a day for every day the claim isnt settled with my insurers.

My insurers inform me they are unwilling to reach out to the third party to make a claim as their view is this appears to be a deliberate crash so the third parties insurance won't pay out leaving me with no recourse for repairs for my car. They also said they would resist paying out however if the third party doesn't accept the evidence they can pursue in court and it's possible my insurance will be unlikely to defend this indefinitely i.e. they are hinting just to claim on my policy.

Apologies for the length of this email this is at this stage a theoretical scenario they have suggested but where does this leave me, feels like I'm being forced into accepting blame despite all the evidence to the contrary.

Any suggestions for how I go about getting a fair outcome?

[the-norseman]

Lets see the video

[Tony1963]

How much damage to your car?

It’s ‘contact’, not “reach out”. Pretty please?

If the repair cost for your car is low, just get it done and hopefully this will go no further.

If it’s a lot of expensive damage, claim on your insurance, it’s what it’s for, after all.

[GasEngineer]

Tony1963 said:

It’s ‘contact’, not “reach out”. Pretty please?

Bravo !

[NikBartlett]

Would the Police be interested in this ? Could be that the moped rider has tried this before, any info to the Police may help to fill the gaps in a bigger crime picture.

[loskie]

GasEngineer said:

Tony1963 said:

It’s ‘contact’, not “reach out”. Pretty please?

Bravo !

TF someone else said this. I HATE that phrase.

[FMOB]

Rakip123 said:

Hi all need some help,

Any suggestions for how I go about getting a fair outcome?

Pray?

One of these days someone they pick on is going to suggest the moped Muppet re-enacts the incident at which point the car driver shows the Muppet what a real accident feels like and they really have something to complain about.

Not a serious suggestion before anyone puts 2 and 2 together and makes 5479.

[Foss62]

I suppose the OP’s insurer has no obligation to claim from the third part insurer (although you would expect they would), their only responsibility is to cover the OP’s costs, and defend him against the fraudulent third party claims.
So, to answer the original question, if the OP particularly wants the third party insurer to pay him directly he needs to contact them directly and also let his insurers know that this is the route he is going down.

[Mr Tidy]

It does sound like a "Crash for Cash" scam.

You should be able to find out if the moped is insured, but if it is and the insurer thinks it was deliberate he won't have any cover.

[BertBert]

This is why you have insurance. Let them sort it out.

It's "cue" by the way not "queue".

[VSKeith]

BertBert said:

This is why you have insurance. Let them sort it out.

It's "cue" by the way not "queue".

Que?

[Jayho]

Mr Tidy said:

It does sound like a "Crash for Cash" scam.

You should be able to find out if the moped is insured, but if it is and the insurer thinks it was deliberate he won't have any cover.

In this situation would the Mopeds insurance still be obliged to pay out for third party costs then attempt to recover costs from their client?

[VSKeith]

Jayho said:

In this situation would the Mopeds insurance still be obliged to pay out for third party costs then attempt to recover costs from their client?

I'd say so

[Pica-Pica]

BertBert said:

This is why you have insurance. Let them sort it out.

It's "cue" by the way not "queue".

Be fair, OP made a nice introduction, and did not start with ‘So’

[cirian75]

Rakip123 said:

At this point I was trying to work out what could possibly have happened for him to hit my car, a number of passer bys came and offered to be witnesses some calling out the moped rider had been waiting and deliberately rode his bike into my car.


Realising I had witnesses and also I had dashcam footage.

This point you at which you should have called the police.

Hidesight being 20:20

[Mr Tidy]

Jayho said:

Mr Tidy said:

It does sound like a "Crash for Cash" scam.

You should be able to find out if the moped is insured, but if it is and the insurer thinks it was deliberate he won't have any cover.

In this situation would the Mopeds insurance still be obliged to pay out for third party costs then attempt to recover costs from their client?

I would imagine so as third Party Property Damage became compulsory in the UK some years ago, although I think there is an excess - possibly £175 IIRC.