insurance question regarding a 3 year old case

[Mick23]

Afternoon all

Bit of a story here

About 3 years ago somebody went into the back of my car, we both exchanged details and other party admitted fault at the scene. I informed my insurance company about the other party hitting my car.

Upon inspection of my car I found the damage could be fixed in a day by my self. After a few days went by the whole claim became a massive hassle. I decided as no one was hurt and the damage to my car was fixable with very little cost to my self. I decided to drop the claim.

Fast forward 6 months later, I get calls from third party companys trying to make me claim money for the accident. I have told them many times, I don't want any money, no one was hurt, my car is fixed. this went on for a while with company's even being insulting to try and make me claim this money.

fast forward to today after these calls seem to have died away, I have had a call from "legal assistants" saying that the 3rd party who went into the back of my car is legally obliged to give me money. At the end of the day, i hate this "if theres Blame, theres a claim" stuff, i dont want any money, no one was hurt, my car is fine, i didnt lose any work.

So is this true that i have to receive money from this or is it just a company trying it on to make me make a claim?

Thanks for reading.

[Speedracer329]

Really? What does your instinct tell you?

It is just another blame/claim company that have hung up their morals on a coat peg and attached themselves to the vile Americanization of our "someone must pay" culture.

[Mick23]

My instincts say just avoid them. if it was anything important then surely my insurance company would contact me, not a third party.

[3Dee]

Mick23 said:

My instincts say just avoid them. if it was anything important then surely my insurance company would contact me, not a third party.

^ This!
Unfortunately these @ss'ole calls are quite prolific this year. I had a series of 10 calls in a week all asking to speak with me about an accident (what accident?) I had 2 years ago? I just refused to answer any questions and then resorted to giving them a lesson in expletives each time and the calls eventually stopped...

[dacouch]

Mick23 said:

My instincts say just avoid them. if it was anything important then surely my insurance company would contact me, not a third party.

I'm guessing you've obtained quotes for your renewal premium and (rightfully) declared a non fault accident three years ago, guess what some Insurers do with this data, some sell it onto ambulance chasers whose staff are on good commission so will tell you anything

[LoonR1]

dacouch said:

I'm guessing you've obtained quotes for your renewal premium and (rightfully) declared a non fault accident three years ago, guess what some Insurers do with this data, some sell it onto ambulance chasers whose staff are on good commission so will tell you anything

Some might, but not many. Price comparison websites are a whole different ball game though.

[imagineifyeswill]

I had something similar happen to me about a year ago, girl ran into my L/R Freelander in Tesco carpark and creased the drivers door badly, Its a 1999 vehicle so cost of new door, paint and fitting would be more than the value of the vehicle.We swapped details but I told her not to worry about it as I intend to keep it till it dies And didnt want it written off, I quickly pushed out the worst of the damage the next day. Three days later got a letter from her insurance company asking to contact them so they could arrange me a replacement car and get repairs organised. I phone them and explained that repairs would be uneconomical and as I didnt want car written off just to forget. They looked up details and agreed that repairs over £600 would be total loss, again I told them forget it but no, they said I musnt suffer loss as a results of there insureds action give them my bank details and they would transfer £600 into my account within the hour.

[Jujuuk68]

guess what some Insurers do with this data

A decent insurer asks at the time, and if there seems a genuine injury, passes it to a large, "reputable" solicitors who deal with it there or then - (ie a firm who doesnt need to resort to having its AMC arm "buying data" and then cold calling/texting anyone on that data list, obtained from got knows where, but probably a hire firm, or a comparison site).

I had a new claim today, accident 21 months ago. Ill defined "back injury" and no hopsital/gp attendance in the intervening time. The Claimant had never informed own insurer of any incident either.

Gave the solicitors a call, gave them a disparaging "hard time" on the phone, pushing for more info about the very "vague" injuries and lack of contempraneous evidence. Handler at the solicitors called the claimant, whilst I was on the other line, who then told them he wasn't injured, and had no claim to bring.

So how on earth had we got to the point where solicitors sent a fully completed, 14 page form, including NI numbers and other data, and who knew if they could get the claimant to their own medical agency appointed expert, the claim was a slam dunk for legal fees, compensation and a fee to the agency, without the claimant knowing?

Thats what insurers are up against right now.

[pork911]

Not sure what you're saying. The insurers are 'victims' of a game they play themselves.