View Full Version : Another "Insurance companies are ***ts" thread
MisterTommyH
31-10-12, 02:16 PM
My car insurance is up for renewal tonight.
I had a bump back in march, but there was not much damage to mine and about 2 months later the other party hadn't claimed so I took my damage on the chin - (this is a fault claim, no quarms about that).
Me and a lorry were travelling forward at about 20mph (slowing to a stop) and I thought there was a gap, where there wasn't and just scuffed the side of his cab. What speed do you move sideways when changing lanes... about 4mph?
Anyway my renewal notice showed a suspicious loss of no claims and increased cost...
It's took weeks, but I've finally found out that this is due to a personal injury claim..... so my question....:
How can my insurance justify paying out on an injury claim when there was no damage claim for either vehicle?
They haven't even questioned it... Didn't even notify me that this claim has been made.... We all know that insurance is one big scam, surely if there is no evidence of vehicle damage they should at least question it?
Needless to say I'm complaining to my current insurer about not questioning it, not contacting me, and not investigating for fraud. I will also be cancelling my renewal and going with another provider (even though it only saves me about £10 over the year).
Poor show. It does sound like it could have been very easily defended - although there might be more details you're not aware of. I dealt with a liability claim a number of years ago that wouldn't have resulted in an injury but for the fact the third party was picking his nose at the time of the accident. :)
Did you keep your receipt for your own repairs incidentally? If that claim's going to be on your record you might as well bang in your own costs. Same incident so you can only lose your bonus once.
Bluepete
31-10-12, 02:57 PM
Because it's cheaper to make a small PI claim than to investigate it. Wrong, I know, but that's business.
Pete ;)
Fallout
31-10-12, 02:59 PM
Personal Injury, please feck right off! That really bugs me. I think there should be criteria for claiming for PI and that should exclude whiplash and nose picking related injuries. I think a bone has to break, or a retina has to detach before PI should be paid out. Stupid insurance!
Unlucky mate. :(
MisterTommyH
31-10-12, 03:00 PM
To be honest Tam I'm more upset about the fact that they didn't even let me know a claim had been made. I'd been going round getting quotes for 4 years NCB rather than 2. I'd also been walking around thinking I'd got away with it (because tbh it would have been a lucky escape to get away scott free).
I got a quote for the work but didn't get it fixed because it was coming up to car change time and my dealer wanted the sale so he agreed to give me the same value with the damage as we'd agreed without it for Part-ex (that really does show you how little damage there was and how low speed the impact was).
The woman on the phone today admitted that they'd paid him off to stop it going any further, but couldn't answer how no one had looked into it or contacted me, or not even read my report (they had it down as a 20mph impact which was the forward speed not the closing speed - they'd obviously just scanned the report and been lazy).
I can't wait until I will the lottery so I can underwrite myself! :mad:
Oh and he wasn't picking his nose - when he got out of the cab I had to calm him down to stop him hitting me because it was the second accident that month! Makes me wish I'd let him hit me so I could have claimed for that!
MisterTommyH
31-10-12, 03:11 PM
Because it's cheaper to make a small PI claim than to investigate it. Wrong, I know, but that's business.
Pete ;)
I accept that, but can't believe that there is not threshold such as 'has a vehicle damage claim been made' before they proceed.
No need to investigate, just a tick box check to see which might be questionable.
I even had photos at the time which they didn't want as he hadn't claimed. They were on my last phone... hopefully I've backed them up to the computer (although I can't see this ever getting close to a point where they actually investigate).
yorkie_chris
31-10-12, 03:13 PM
Especially as you've got to do some pretty serious damage to a truck to spill a brew in the cab let alone injure the driver!
andrewsmith
31-10-12, 03:18 PM
Especially as you've got to do some pretty serious damage to a truck to spill a brew in the cab let alone injure the driver!
This!!! Seeing they try and wheelie them outside of where I work
Was the insurer Swintons by any chance Tommy?
MisterTommyH
31-10-12, 03:23 PM
No it's a spanish bank acting as a broker for an underwriter.
Then it's probably Equity (brokers). The banks/supermarkets/post office etc tend to lend their names to brokers & direct writers. There's surprisingly few organisations behind all the "brands".
You can easily switch and still be with the same organisation.
Equity are by no means the worst but they dropped the ball on this one. Simple coming together of car vs truck shouldn't be producing injuries. They've been too lazy or too busy.
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