Fraudulant insurance claim rant
Discussion
So anyway a few months back I turned across the front of a black cab that was parked right on the end of a t-junction, misjudged it a bit and clipped his front bumper corner with my back wheel. No damage to my car and none on his apart from a black rubber mark about the size of a 50p piece which I could have polished off with some t-cut, had I have had some with me. The 
gets out of his st heap and says he'll have to report it blah blah blah so I took some photos of the 'damage', gave him my details and went on my way. In the mean time a few other John Worboys type mutha fokkers came along as 'witnesses' (it was right next to a taxi rank worst luck) 'yeah yeah we saw everything-we'll be witnesses' etc.
Roll on a few weeks and I get the call from some jizz sucking claims handling f*cksticks about the 'accident' and now the low down, filthy, money grabbing pyequay is claiming £1200 for the damage and £700 car hire..
What.the.blithering.b0llocks? How is this blatant fraud even allowed to continue? Don't insurance companies bother to send assessors anymore?
I can just imagine this pea-brained imbecile complaining to his rapist mates (alledgedly) when his premium goes up next year 'ere, fellow cabbie nob jockey's- ow come me insurance keeps goin aap evry year-i caan't afford me racing post nah more..'
Everyone is a bastid, I hate them and I hope some pigeons do a st in this scrotum headed flids sandwich and he dies of TB
Rant not even close to being over
gets out of his st heap and says he'll have to report it blah blah blah so I took some photos of the 'damage', gave him my details and went on my way. In the mean time a few other John Worboys type mutha fokkers came along as 'witnesses' (it was right next to a taxi rank worst luck) 'yeah yeah we saw everything-we'll be witnesses' etc.Roll on a few weeks and I get the call from some jizz sucking claims handling f*cksticks about the 'accident' and now the low down, filthy, money grabbing pyequay is claiming £1200 for the damage and £700 car hire..
What.the.blithering.b0llocks? How is this blatant fraud even allowed to continue? Don't insurance companies bother to send assessors anymore?
I can just imagine this pea-brained imbecile complaining to his rapist mates (alledgedly) when his premium goes up next year 'ere, fellow cabbie nob jockey's- ow come me insurance keeps goin aap evry year-i caan't afford me racing post nah more..'
Everyone is a bastid, I hate them and I hope some pigeons do a s
t in this scrotum headed flids sandwich and he dies of TBRant not even close to being over
B16JUS said:
did you get his badge number ?
if so play the game get ya Mrs to say he touched her up and made inappropriate gestures to her he will loose a lot lot more having his badge removed
Too bad they have cctv in most cabs now, I have some serious issues with cabbies but that's another story . if so play the game get ya Mrs to say he touched her up and made inappropriate gestures to her he will loose a lot lot more having his badge removed
I damaged someone q7 when I was exiting a petrol station, the damage was a thin like line, similar to what a bush/tree does about 2" long and reached the primer, possibly could buff out. Anyway white posh guy in his forties had a brand new bumper and 4k worth of whiplash when he was clearly outside the car and didn't even know what happened until I pointed it out to him
Moral of the story is, people are
sMy car's rear bumper got scuffed by a driver misjudging a left turn. Insurers sent an assessor, car was away for a week and I had a loan car. Seems entirely fair as I was parked, with the engine off, in a marked road side parking bay. No idea what the cost was, it was 'no fault' as far as I was concerned, the other driver admitted liability and my excess was waived.
Simple rule is be more careful when driving or put up with the consequences, tough though they may be.
Simple rule is be more careful when driving or put up with the consequences, tough though they may be.
whats unfortunately worse is the extra ball ache and hassle that is created when you do have an accident with someone who is genuinely hurt and requires compensation to make alterations to their house its gets played out and played out and played out in anti fraud measures. Its a year and a half and counting since my accident where another motorist ran into the back of me at about 40mph injuring my back and knee.
If the photos show clearly what you say they do then I would insist on the insurance company fighting it all the way. Hopefully you will get a claims handler that is also as passionate as you are at stamping this nonsense out.
It won't go as far as court with the damage you describe I wouldn't have thought. Have you also got photos of the 'damage' to your car. This could also prove crucial in your defence.
It won't go as far as court with the damage you describe I wouldn't have thought. Have you also got photos of the 'damage' to your car. This could also prove crucial in your defence.
Its a self-fulfilling mechanism for the insurance companies, and until some form of transparency or legislation comes, it will continue to fund itself. Fraudulent claims go up, this means that the insurance companies charge more. They subsequently get more money in and they then invest this to make more. Insurance companies make more money, the find new ways to "sell" data to make money and their poorly trained solicitors make even more money.... it all feeds itself with the public paying more and more for less and less!
Recently I did a few quotes for insurance and I had to put down a claim I had last year for no-fault accident - a car hit my parked car outside my house. Driver took the blame and all OK. Anyway, I then get a call from a "claims assessor" asking if I had any injuries from my claim. Of course, I explained that the car was parked outside my house and the claim had all be sorted. The "claims assessor" then went on to ask again and again if I was actually in the car at the time - with leading questions... you know "are you sure you werent in the car when the accident happened?"....
As fantastic it might be to have £6k worth of whiplash injury claim in my bank account, I am no criminal and thats bloody fraud! I cannot believe that I was being tempted into this by a bloody insurance company!
Recently I did a few quotes for insurance and I had to put down a claim I had last year for no-fault accident - a car hit my parked car outside my house. Driver took the blame and all OK. Anyway, I then get a call from a "claims assessor" asking if I had any injuries from my claim. Of course, I explained that the car was parked outside my house and the claim had all be sorted. The "claims assessor" then went on to ask again and again if I was actually in the car at the time - with leading questions... you know "are you sure you werent in the car when the accident happened?"....
As fantastic it might be to have £6k worth of whiplash injury claim in my bank account, I am no criminal and thats bloody fraud! I cannot believe that I was being tempted into this by a bloody insurance company!
off_again said:
As fantastic it might be to have £6k worth of whiplash injury claim in my bank account, I am no criminal and thats bloody fraud!
That's just the thing though isn't it. It's not fraud in the eyes of the masses. You can claim that money and no-one will ever question you on it.I can see why so many people do it.
danjama said:
Send your photos to your insurance company? They can judge for themself the extent of the damage.
They won't give a monkey-spunk.We had the same thing with a taxi driver - my sister's car just rolled into the back of him at some lights (rubbish handbrake). NO DAMAGE WHATSOEVER to either car. She took photos - certain elements of our society are renowned for insurance fraud. Imagine our complete flabbergastedness (not!) when his claim went in for thousands in repairs, whiplash and compensation cos the tw@t couldn't go on his hajj. It was *thousands*. Photos sent to insurance. Couldn't care less and gave the thief the money.
Next - parents on holiday in Spain. Mum driving Landcruiser down wide, straight as a die highway. Dad videoing the scenery. Little white Citroen butchers van coming the other way. Next thing the van - and this is clear as day, 100% obvious on the high-def video - veers across the road and smashes into my parents. Maybe the bloke fell asleep - who knows? The OH and I saw the aftermath of this as we got a phone call back at the caravan site and had to take their documents out to them.
A copy of this tape was sent off to their insurance company, who then paid out the Spanish driver and took my dads NCB off him. What. The. Actual. f
k? 
(Before anyone says anything - the above is as described, no circumstances I'm not telling you about.)
Mr2Mike said:
This. Insurance companies only care about insurance companies and policy holders are invariably treated as the necessary inconveniences they are.
Just waiting for Loon to come on here and say its just in your head and insurance companies pay out £1.20 for every £1 that they get in 
Dog Star said:
They won't give a monkey-spunk.
We had the same thing with a taxi driver - my sister's car just rolled into the back of him at some lights (rubbish handbrake). NO DAMAGE WHATSOEVER to either car. She took photos - certain elements of our society are renowned for insurance fraud. Imagine our complete flabbergastedness (not!) when his claim went in for thousands in repairs, whiplash and compensation cos the tw@t couldn't go on his hajj. It was *thousands*. Photos sent to insurance. Couldn't care less and gave the thief the money.
Next - parents on holiday in Spain. Mum driving Landcruiser down wide, straight as a die highway. Dad videoing the scenery. Little white Citroen butchers van coming the other way. Next thing the van - and this is clear as day, 100% obvious on the high-def video - veers across the road and smashes into my parents. Maybe the bloke fell asleep - who knows? The OH and I saw the aftermath of this as we got a phone call back at the caravan site and had to take their documents out to them.
A copy of this tape was sent off to their insurance company, who then paid out the Spanish driver and took my dads NCB off him. What. The. Actual. fk?
(Before anyone says anything - the above is as described, no circumstances I'm not telling you about.)
Is there not a case here to send to the regulators and get the insurance company in a lot of trouble? Or at the very least, write to the Daily Heil and they will soon kick up a good fussWe had the same thing with a taxi driver - my sister's car just rolled into the back of him at some lights (rubbish handbrake). NO DAMAGE WHATSOEVER to either car. She took photos - certain elements of our society are renowned for insurance fraud. Imagine our complete flabbergastedness (not!) when his claim went in for thousands in repairs, whiplash and compensation cos the tw@t couldn't go on his hajj. It was *thousands*. Photos sent to insurance. Couldn't care less and gave the thief the money.
Next - parents on holiday in Spain. Mum driving Landcruiser down wide, straight as a die highway. Dad videoing the scenery. Little white Citroen butchers van coming the other way. Next thing the van - and this is clear as day, 100% obvious on the high-def video - veers across the road and smashes into my parents. Maybe the bloke fell asleep - who knows? The OH and I saw the aftermath of this as we got a phone call back at the caravan site and had to take their documents out to them.
A copy of this tape was sent off to their insurance company, who then paid out the Spanish driver and took my dads NCB off him. What. The. Actual. f
k? (Before anyone says anything - the above is as described, no circumstances I'm not telling you about.)
It doesn't always go badly in these situations.
My wife managed to reverse into another car in Asda car park and left a golf-ball shaped dent in the plastic bumper. Exchanged details, 3rd party promised to get quotes before going to insurers.
Later that day our insurers called, left answerphone message. Letter in post a few days later, so we responded with comprehensive and accurate description of events and photographs of slightly dented bumper - heard nothing more. It was only when I was filing documents several months later that I read the insurance letter properly - the 3rd party was claiming personal injury for a 1mph shunt! Never heard anything more about it though, so common sense prevailed.
My wife managed to reverse into another car in Asda car park and left a golf-ball shaped dent in the plastic bumper. Exchanged details, 3rd party promised to get quotes before going to insurers.
Later that day our insurers called, left answerphone message. Letter in post a few days later, so we responded with comprehensive and accurate description of events and photographs of slightly dented bumper - heard nothing more. It was only when I was filing documents several months later that I read the insurance letter properly - the 3rd party was claiming personal injury for a 1mph shunt! Never heard anything more about it though, so common sense prevailed.
happened to me last year
some bh pulled into my Audi
she was doing about 40 in her st heap Bora (the bumper was attached with bungee clips)
hit me at about 5mph
small dent in my bumper
no damage to her
I took about 50 photos of her car, my car and the 'damage', which she argues there was no need
so then week later, get a letter from her bent bd solicitor
about th trauma of the accident and made out she had severe whiplash, couldn;t stand up after the accident (had a witness) and had to take three weeks off work
what the bh didn;t count on was that I had photos of her standing laughing and walking about with her passenger beside the car
sen the photos to her insurer
SCUMBAG DIDN'T GET A BLOODY PENNY
some b
h pulled into my Audishe was doing about 40 in her s
t heap Bora (the bumper was attached with bungee clips)hit me at about 5mph
small dent in my bumper
no damage to her
I took about 50 photos of her car, my car and the 'damage', which she argues there was no need
so then week later, get a letter from her bent b
d solicitorabout th trauma of the accident and made out she had severe whiplash, couldn;t stand up after the accident (had a witness) and had to take three weeks off work
what the b
h didn;t count on was that I had photos of her standing laughing and walking about with her passenger beside the carsen the photos to her insurer
SCUMBAG DIDN'T GET A BLOODY PENNY
Unbelievable. Actually, taxi driver? Believable.
If I ever get a call/letter/phone call from insurance/claims/chancer companies then I'm denying it ever took place after the last 3 experiences I've had of incidents and insurance companies. Every time I get insurance quotes they always bring up an incident that's on my record where I reversed into a car and caused extensive damage to it. Trouble was, it was in Southend and I was in Derby at the time with my vehicle. Which happens to be a fking motorbike.
Good rant BTW, 6.5/10.
If I ever get a call/letter/phone call from insurance/claims/chancer companies then I'm denying it ever took place after the last 3 experiences I've had of incidents and insurance companies. Every time I get insurance quotes they always bring up an incident that's on my record where I reversed into a car and caused extensive damage to it. Trouble was, it was in Southend and I was in Derby at the time with my vehicle. Which happens to be a f
king motorbike.Good rant BTW, 6.5/10.
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