You don't need to be an 'investor' to invest in Singletrack: 6 days left: 95% of target - Find out more
My son had a slight altercation with another driver about 3 months ago. I am not daft so I took his story with a pinch of salt but I am now confident I have the truth, which is....
Idiot driver behaving aggressively behind my lad. 20yr old lads being what they are he doesn't like idiots bullying him so generally does a bit passive/aggressive blocking of the driver who sounder like a right arse. Eventually lets the driver past but gives him the finger. This guy is incensed and swerves across in front of my lad forcing him to stop but not before there is some slight contact with my lad hitting the rear corner of his car given he couldnt stop in time.
Guys jumps out and my lad jumps out. He was on his way back from Rugby so the usual tight shirt etc and being a strapping lad the idiot thinks twice then decides to just have a bit of a slanging match. Both exchange details and son tells his insurer what has happened but he is not bothered about claiming as there is no damage (the other car apparently had some very minor damage)
Anyway fast forward 3 months and a guy knocks on the door on Sunday (we were out) then drops a note through asking my lad to contact him (some type of insurance company) Calls again on Monday (again we are all out but MIL answers and mentions my name)leaves me a note asking for me to call him (son is 20 btw)
I am very busy and could do without the hassle but before I call him and tell him to shove it where the sun dont shine, who is he and I assume as he acting on behalf of the idiot, what are his rights etc????
Get your son to speak to his insurer again and ask if there is a claim being made as he is concerned about aggressive and unsolicited doorstepping taking place. If there is a claim ongoing ask them to sort it out. If there isn't a claim just tell the person to leave and call the police.
Well you could do with knowing who the bloke is and what he wants. It's unlikely he's from the insurance company as they would have written. If he's trying to get cash out of your son, my reponse would be: "I don't know where he's living at the moment, we only talk on Watsapp. See you in Court!"
Thanks Johndoh
@globati. He is from a bonified company he is not a "heavy" The company offer "investigations services" I just want to know what rights etc he has, not that I plan to engage or share any information with him. The practice just seems "shady"
The practice is normal.. soon as your son told the insurance they basically flog his details on. It’s likely nothing to do with other party, the bloke after your son will be wanting to be engaged to get him some money and hence a nice pay check for the ambulance chaser. Disgusting practice imo.
Wait for the increased premium too, despite not claiming... 🙄
Why do you think he is an ambulance chaser? Could he be an assesor from either parties insurance company wanting to look at any damage on the car?
A few years back my wife had a minor, no damage bump. Fast forward a year and we go a personal injury claim etc etc. Insurance company sent out some one (a third party) to look at the wifes car ( but we did get a call first).
Sounds like a phishing letter.
It's with the insurance company. Only deal with them, that's what you pay them for.
These parasite 4th party companies are the reason for huge premiums. You can bet your bottom dollar your lads insurance company will have given them his details.
IM (limited) E, the other party claims via their insurer, which approaches your son's insurer. If they don't get what they want then the other party's insurer uses a third party administrator (TPA) claims service.
Your son's insurer may then outsource to their own claims service. Your son's insurer should have explained all this (it involves passing data to third parties)...speak to your son and then to his insurer, I'd be wary of unsolicited contact
Find out who this person is, then tell them to deal with the insurance. It may end up 50/50 anyway if it goes that way as both were driving as idiots.
Insurance companies are a bunch a farkin sharks in my opinion, especially car insurers. The 'defendant's insurer in my case is 'overly aggressive' and despite admitting liability, aren't entering into discussion, nor exchanging medical details, despite my solicitor playing ball. If they don't start to even acknowledge my records we sent them, it's off to court everything goes in a week as I'm up to the three years.
Do it by the book, and send him packing to deal with your son's insurer.
Thanks for the advice all. As I say it seemed an unusual process to be knocking on doors hence I asked the question. Also assumed it may be the other party who have initiated it which (having read the above about selling details) may not be the case.
Speak to son today (who is away at Uni) and get him to speak to his insurer.
Imo shouldn't be door stepping you/your son without written correspondence first explaining who they are.
This is an insurance issue and as such any claim should be between claims management company/insurer for the other party and your son's insurer.
Certainly wouldn't be discussing on a door step. My response would be "write to whoever you think it is you have a claim against" and pass everything to the insurer.
If the note shows an MOJ or FCA reference I'd be inclined to tell them what's going on.
Unless of course your son has been ignoring his post???