INSURANCE FRAUD AND QUERY
Discussion
MODS - Please delete from General Gassing
A collegue of mine (32 years old) is having some real issues with getting a reasonable quote for insurance on an M3. He has 2 main issues, does anybody have any suggestions (and no smart comments such as ‘don’t buy an M3 ;->):
November 2004: His car was rear ended when another driver ran a red light. He had his car repaired via his own insurance. 3rd party is now claiming that they were never at the scene. My colleague’s witness cannot remember car details and has told insurance company this. No police attended, other car was drivable, hence no tow required. My colleagues insurance company now attribute blame to him, they say they have no way of proving other driver was involved. Surely there is something he can do / force the insurance company to do?
Lack of no claims. My college has been out of the country for 3 years pre 2004. Prior to that he had 7 years NCB. Any idea if he can use these in any way. Some insurance companies will accept a break of 3 years and maintain 7 years. Unfortunately, when this is the case they penalise for non-residency of 3 years! He just can’t seem to win.
Any help would be appreciated.
Cheers,
Rob
A collegue of mine (32 years old) is having some real issues with getting a reasonable quote for insurance on an M3. He has 2 main issues, does anybody have any suggestions (and no smart comments such as ‘don’t buy an M3 ;->):
November 2004: His car was rear ended when another driver ran a red light. He had his car repaired via his own insurance. 3rd party is now claiming that they were never at the scene. My colleague’s witness cannot remember car details and has told insurance company this. No police attended, other car was drivable, hence no tow required. My colleagues insurance company now attribute blame to him, they say they have no way of proving other driver was involved. Surely there is something he can do / force the insurance company to do?
Lack of no claims. My college has been out of the country for 3 years pre 2004. Prior to that he had 7 years NCB. Any idea if he can use these in any way. Some insurance companies will accept a break of 3 years and maintain 7 years. Unfortunately, when this is the case they penalise for non-residency of 3 years! He just can’t seem to win.
Any help would be appreciated.
Cheers,
Rob
No way round it really, hes got to bite the bullet and build his NCD back up, preferably with a cheap car.
Did he not build any NCD abroad? He can use this in the UK, the illegal imigrants do this all the time, with false insurance companies abroad, then claim accidents and injuries, buts that another story.
Can he not get anyone else to insure this? This can be dificult has the insured usually has to own the car, unless its their spouse. If his parents own it, then they could have him as a named driver. They should say he is the main driver though, which can negate the cheaper price the oldies get.
Did he not build any NCD abroad? He can use this in the UK, the illegal imigrants do this all the time, with false insurance companies abroad, then claim accidents and injuries, buts that another story.
Can he not get anyone else to insure this? This can be dificult has the insured usually has to own the car, unless its their spouse. If his parents own it, then they could have him as a named driver. They should say he is the main driver though, which can negate the cheaper price the oldies get.
rjben said:
MODS - Please delete from General Gassing
A collegue of mine (32 years old) is having some real issues with getting a reasonable quote for insurance on an M3. He has 2 main issues, does anybody have any suggestions (and no smart comments such as ‘don’t buy an M3 ;->:
November 2004: His car was rear ended when another driver ran a red light. He had his car repaired via his own insurance. 3rd party is now claiming that they were never at the scene. My colleague’s witness cannot remember car details and has told insurance company this. No police attended, other car was drivable, hence no tow required. My colleagues insurance company now attribute blame to him, they say they have no way of proving other driver was involved. Surely there is something he can do / force the insurance company to do?
Lack of no claims. My college has been out of the country for 3 years pre 2004. Prior to that he had 7 years NCB. Any idea if he can use these in any way. Some insurance companies will accept a break of 3 years and maintain 7 years. Unfortunately, when this is the case they penalise for non-residency of 3 years! He just can’t seem to win.
Any help would be appreciated.
Cheers,
Rob
Sadly... they know if he was rear ended he could not have rear ended himself. Another car had to have rear ended him.
Unfortunately when they cannot recoup their costs - they apportion all liability to policy holder. Happened to guy on Paulie's site. Cyclist was on pavement und he was at T-junction. As I recall ... foreing cyclist collides mit car und damages it. She is not insured. His insurance holds him liable under this "unable to recoup cost from other party" rot....
He ist protected NCB - so arguably does not affect premium so they say. But I know thes insurance rascals of old... what they tried mit mir after my incident was unbelievable.....
Thus nothing they do or do not do surprises me....
rjben said:He should at least report the other driver to the police and file a complaint. He could file a civil action, but if no independent witness and no other substantiating evidence there's not a lot of hope there. Any passes by? Did he notice anyone nearby? Shops, Garages, houses, offices etc?
MODS - Please delete from General Gassing
A collegue of mine (32 years old) is having some real issues with getting a reasonable quote for insurance on an M3. He has 2 main issues, does anybody have any suggestions (and no smart comments such as ‘don’t buy an M3 ;->
November 2004: His car was rear ended when another driver ran a red light. He had his car repaired via his own insurance. 3rd party is now claiming that they were never at the scene. My colleague’s witness cannot remember car details and has told insurance company this. No police attended, other car was drivable, hence no tow required. My colleagues insurance company now attribute blame to him, they say they have no way of proving other driver was involved. Surely there is something he can do / force the insurance company to do?
Lack of no claims. My college has been out of the country for 3 years pre 2004. Prior to that he had 7 years NCB. Any idea if he can use these in any way. Some insurance companies will accept a break of 3 years and maintain 7 years. Unfortunately, when this is the case they penalise for non-residency of 3 years! He just can’t seem to win.
Any help would be appreciated.
Cheers,
Rob
MC
Cooperman said:From an earlier thread I was led to believe that if you report a driver for dangerous driving, driving without due care etc, the police have an obligation to investigate... how long it takes them is another point!
The 'Old Bill' will not be interested either, too busy with their speed cameras!
Nothing ventured, nothing gained.
MC
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