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So what is the STW collectives thoughts on this.
Wife was sitting at a junction when the learner in front reversed in to her at low speed. Wife called the police who attended and took details etc. I am no mechanic and it was dark when it happened but we don't think there is damage to her car, his has a few marks but were maybe already there. He has said its his fault (to us anyway) and has asked us not to go via insurance and just contact him if any damage. Wife wants to contact her insurance to cover her self from any unscrupulous claim. If there is no damage should we tell the insurance, would this affect her claims history even though there was no claim as such.
For context her car is a 2007 run about. He was foreign with poor English, 2 car loads of his mates turned up while waiting for the police, (one was nearly lifted for being a cocky git to the police). I say leave it, wife says screw them for whatever she can find wrong with the car.....5 years ago it was the other way round and wife hit someone at a junction, no damage , swapped details, followed up next day to see what driver wanted to do. They said leave it as no damage so we did. 12 months later we get call from an ambulance chasing lawyer for personal injuries!!!! Thankfully insurance company were great. Do we tell insurance or move on. I just don't want another premium hike (her last one is still smarting)
I agree with your wife. Report it, as you just know given the behaviour displayed at the scene, there's a chance something might come back to haunt you.
If there is no damage should we tell the insurance, would this affect her claims history even though there was no claim as such.
Probably. As while she was not at fault, insurers will still look at it that she drives in areas where she is likely to get driven into.
They're fun like that.
Story sounds dodgier than a string bag of fish.
Those two car loads will end up being passengers claiming your wife drove into the back of them....
Was there more to it? Why on earth would someone call the police for a minor bump? I'd just leave it. Contact your insurers and your premiums will likely go up with nothing to gain
I'm very cynical as you know but....I'd probably have called cops too.
http://www.thisismoney.co.uk/money/news/article-3245268/Drivers-warned-new-insurance-scam-conmen-deliberately-crash-car-demand-cash-spot.html
The comments section really gives it away it's a Daily Mail website 🙂
As an aside, I wonder how long it will be till dashcams are specced on new vehicles?
Def Potential scam, contact your insurers
I'd call that in asap mate.
Those two car loads will end up being passengers claiming your wife drove into the back of them....
Next time you see them they'll all be wearing neck braces.
yep. Especially if the police were there. Too easy for that all to unravel later.
Guess I will call insurance tomorrow then and suck up another premium increase! I don't think there is more to it or a scam. There was a truck trying to get around the junction and that's why the learner reversed (without looking behind him). And after what happened to my wife a few years ago (see OP) she called the cops to cover herself.
Your premium will only increase if it's her fault..
Your premium will only increase if it's her fault..
??!! No it won't.
But as mentioned above, call it in to insurer. Assume police have got a reference number to attach to the case?
You should tell the insurer. Otherwise you may find they can cancel or void your cover for non disclosure or someone tries to scam you twelve months down the line. This will be much more expensive than a non-fault/no claim disclosure.
Wife was sitting at a junction when the learner in front reversed in to her at low speed.
+
2 car loads of his mates turned up while waiting for the police, (one was nearly lifted for being a cocky git to the police).
Tells me this is one where you want your insurers on side as well as the Police.
You don't have to pursue a claim once you've told them if he's genuine it just covers you if it's a scam.
Defo scam. Same happened to my mum. Unbelievable number of the other side's relative's at the scene in seconds. Your wife is right.
If there's no damage to claim, Shirley the bump will make little difference to either side insurance (well maybe his a bit). Still expect phone calls for the next 3years from ambulance chasers
If there's no damage to claim, Shirley the bump will make little difference to either side insurance (well maybe his a bit).
It's the fictitious whiplash damage that will cost the money.
What would have helped would have been a witness. Did you wife have one at the time?
This is one of the main reasons i have a dash cam.
Fictitious stories after the event. People will say anything to make/save them selves a bit of money.
Out of interest, In what respect was the driver a 'learner'?
martinhutch - Member
It's the fictitious whiplash damage that will cost the money.
Which is why I suggest reporting it, to head off any claim against the OP's insurance, as it stand the 'new' driver is at fault, so any claim would have be off his own insurance
Learner was indicated by the l-plates and what he said. The wife had my son on the car but not sure if a 12yr old counts as a witness. Taking documents to cops today.
papamountain - MemberYour premium will only increase if it's her fault..
Why would you repeat this rubbish? 👿
Report it?
The only reason not to is to commit fraud. 🙂
Update for those interested.
Insurance decided the front bumper needed respraying (the scratches were very minor) and a couple of bits of plastic replaced. €900 of work from a main dealer (insurance said where to take it) incl hire car. Renewal came on the post today and her policy has gone from €800 to €1200 because the claim is still not settled! Car insurance is crazy in Ireland. If the claim is settled before her renewal date in a few weeks they said the price will drop.....i am not holding my breath.
Renewal came on the post today and her policy has gone from €800 to €1200 because the claim is still not settled!
Renewals are always outrageously priced. Get on comparison site and see how it prices up there. Not sure how the mid claim bit works mind you. My renewal was about 50% more despite having a years extra NCB! Quote with SAME insurance company was cheaper than the previous year, as you would expect
I misread the thread title as "Wife had a dump", was curious, now disappointed.
You can claim the increase in premium back from the other party in this situation - we had a similar problem, and it was paid up no questions.
€900 of work from a main dealer
Someone made a chunk there. A mate has a bodyshop and does a lot of insurance work, he charges £90 + vat a panel for respraying.
€900 of work from a main dealer
... for insurance work. Go in yourself and ask for the same work and bet it's a fraction of that.
Insurance (of any kind) is just one massive scam and everyone is out to make the most money out of it, and not just the insurers.
They're not doing it very well, most insurers make an underwriting loss on motor insurance.
Insurance (of any kind) is just one massive scam
😆
If you really believe that, I presume you never buy travel insurance, home insurance or any other insurance that isn't a legal requirement ?
Wife was sitting at a junction when the learner in front reversed in to her at low speed.
He was foreign with poor English
Sounds like a possible crash for cash scam. Good job you called the police so its all on record.
Insurance (of any kind) is just one massive [s]scam[/s] [b]opportunity for scammers, overbillers and exaggeraters to make a killing[/b]. Everyone is out to make the most money out of it, and not just the insurers.
IANAIU, but I heard an explanation regards insurance business on the radio which seemed compelling; that there's no real incentive for an insurance industry to limit or reduce payouts, as it's all cashflow, and recoverable from the captive audience clients via next years premuims. Now, I'm no accounting genius, but that seems to make sense to me, and the only net losers are the premium payers, in the end. So as far as a 'scam' is a scheme designed to extract maximum cash out of the scammee, if probably agree that it is an elaborate, legalised scam.
nealglover - Member
If you really believe that, I presume you never buy travel insurance, home insurance or any other insurance that isn't a legal requirement ?
I buy some, though still feel I'm being ripped off, especially when they refuse to pay out for numerous reasons and walk off with my money.
I insure myself where I can through savings and investments. Obviously isn't going to cover a house though.
Look at it another way - the cost of drugs. Insanely high due to one thing... insurance companies. It's not that the insurance companies are hiking the prices though, it's the drug companies (and in the car example, the repair garages). However it's the nature of insurance that's driving the scams. Insurance companies themselves are in it like any business to make money and they do that by trying to pay out as little as possible and take in as much as possible.
This is a reason why we really should avoid an insurance based health care system in the UK, because the scammers (drug companies, private health care providers) will drive the costs through the roof. Insurance companies meanwhile will try their best to not pay out, but happy to take the premiums.
But overall my point is insurance as a whole, not just the insurance companies, is one big scam by everyone involved. Including the actual scammers like above.
nealglover - Member
If you really believe that, I presume you never buy travel insurance, home insurance or any other insurance that isn't a legal requirement ?
No, Never. A bit of common sense and a tendency to look where I'm going removes the need.
nealglover - Member
If you really believe that, I presume you never buy travel insurance, home insurance or any other insurance that isn't a legal requirement ?
No, Never. A bit of common sense and a tendency to look where I'm going removes the need.
Because common sense and looking where you are going will really help if your house is burgled or burned down, or you are ill on holiday.
And if you die, I'm sure common sense will pay off your mortgage too.
Because common sense and looking where you are going will really help if your house is burgled or burned down, or you are ill on holiday.
And if you die, I'm sure common sense will pay off your mortgage too.
You're really scratching for reasons to be insured...
So just to close off this thread.
Had to pay out the 250 excess to get car repaired whilst the claim was looked at. Got a cheque in the post with a letter stating he has taken liability etc so all ended well.....except for the hike in the wife's renewal.