fraudulent car insurance claim against me?

  • Thread starter Thread starter J
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J

J

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hi
my problem in a nutshell is my vehicle was hit in the rear while it was parked, when i confronted the driver we had an argument and the police were called no offences were committed and the police left after me and the other driver exchanged names and addresses. A month or so later i received a claim for neck injuries to the driver and his 2 passengers for approximately £20,000 for an accident that he said i drove into the rear of him which was totally false, i have witnesses which include the police officer who attended to the fact that the other driver hit my parked unattended car, i have lost my no claims bonus and i applied for a job as a driver which i did not get because of this pending claim, my insurance company have tried to contact the other driver who has not answered for a number of months and when i spoke to my insurance company i was informed that the other parties insurance company does not have the full story i.e they have not been told that he hit my vehicle and i have witnesses to prove that i am at a loss because i have been told it can take 3 years for the claim to close if the other driver does not answer any of the correspondence he receives.
any advice please
i would like to add the police officer was very helpful but he has been told that he can only give my insurance company a statement if they ask and when i spoke to them recently they said they think that they have enough evidence so do not need to contact him which will cost them money ,and all i can do is wait ,
 
This is a complete nonsence. I agree entirely with Daniel. The evidence of the damage to the rear of your car should in itself be enough to defeat the claim, especially if the police were involved. They should have given you a reference number relating to the accident and you should quote this to your insurance company. I have worked in insurance and, if what you're saying is correct, this is one of the most absurd situations I've heard of. Your insurance company ought to deal with this, but if not you can refer this to the Insurance Ombudsman. The procedure for appeal ought to be stated in your insurance policy.
 
Hand the case over to the police, get the officer to make a statement and your witness and make one yourself. Let the police contact the 3 rd party and their insurance. If they have what thay clam to have it would have been seen by a doctor around the time of the accident.
 
Well first of all, if he claims you hit in from the rear then the damage will say it all.
The damage would be to the back of his car and the front of your's not the other way round which it will be.
I would tell your insurer's this and also contact the local police to get a statement from the policeman who attended, this will speed up any "confusion" shall we say, about who was at fault etc- the other driver's claim against you will then be dismissed and you can seek legal advice to claim against him for loss of earnings ( if not getting that job was a DIRECT concequence of the pending claim against you)
Good Luck!
 
There seem to be a number of factors which need to be sorted.

First, why have you lost your NCB ? This should only have been cancelled by your insurance company if you had made a claim against them. Surely you have not done this ? All claims in this case, if your facts are correct, should be against the other driver's third party element in HIS insurance.

I cannot understand why your prospective employer should have taken this attitude. Surely a letter from your own insurance company would have set their minds at rest ? You could also have advised them to contact the police, who must have a record of the incident.

Why is your own insurance company trying to contact the other driver ? They should be working through his insurance company, not directly with him.

It does seem that your insurance company has not done/is not doing their job properly. I think your first step is to persuade them to extract their digits, and get you some satisfaction - which is why you have paid their insurance premium.

Oh, and one final bit of advice - don't do this all over the 'phone. Not unless you are recording all your 'phone calls! Put it in writing, and do not accept a 'phone call as an official response.
 
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