So the wife is driving teh car with her mother when at a junction the car in front decides to do a 3 point turn. She gestures to the gent in front to be careful as he was close to hitting her so he asks her to move back which she does. As she does this someone who was talking to the guys in the car in front has crossed the road, got into his car and pulled up behind, then jumped out saying she had just hit him.

No contact at all took place and he started getting agressive with her. I told her to call the police which she did (they never came out) and he then left the scene rather hastily.

A week later i get an email from my insurers to say my car has been in in accident.

So where do i stand?

Is it really as easy as this. So i can just get the reg number off a car and say there has been an accident, they will deny any involvement obviously but that doesnt matter???

Oh yes he is claiming injury but no damage it seems. And yes in Oldham and of foreign origin!

Also, someone recently posted a link to check another parties insurance status and get their details, anyone remember the link as my old laptop has died since i bookmarked it?

Write a letter to your insurance company, saying exactly what happened.

Do not give one inch, end of.

Counter claim – he ran into the back of her when she stopped

(is her neck feeling stiff at all ?)

Its askmid.something

Can’t imagine they will get an injury claim when there is no damage.

I’d report a fraud attempt to the police
Be clear from the start with them that it’s fraud as they’ll try to fob you off with ‘it’s a civil matter’ etc.

I’m a bit confused as to how all these conversations are taking place.

But yeah, report it as others have said. What else can you do.

Tell the insurance company the facts and then get on with your life.

They will pay out the scrotes, your premiums will go up but there’s nothing you can do to change anything. All that will happen is you get very stressed and angry.

Be sure to let your insurer know you believe you were the innocent party in a staged incident.

Curious – when you called the rozzers did you explicitly state you believed the incident was staged?

I was rear ended at lights in Oldham. I got out checked (no damage) and the lad got out and said ‘oh no not again’. I was actually laughing but with hindsight I thought ‘why how many times do you do this to people?!!!’.

As a rule I always avoid parts of Oldham partly because of the ghetto mentality and hostility of some of the locals (we used to work down the road in Chadderton).

Make sure that your insurance company get an engineer out to inspect your vehicle and prove that there is no damage. If he continues with a claim, again get an independent engineer to inspect his as well.

Insurance companies have certain areas where if an accident happens there they will automatically investigate it for fraudulent behaviour, Oldham is one of these “blackspots”.

Do not accept his medical evidence, his engineering evidence or repair documents at all, as they will certainly have come from some hooky Claims Management Companies who will use their doctors, engineers and garage.

I was talking to someone in Enterprise hire and one of the ‘hire crasher scammers’ tactics is (or was) to engage their claims management companies. They caught wind of it though and now the hire contract stipifies you can only go through theirs.

if the police had been called and then he drove off hastily without exchanging details he has just fled the scene of a accident. A crime in itself!

Similar thing happened to a colleague’s father.

The insurance assessor said it was cheaper to pay out a nominal amount to the thieving scrote than to contest it. 😐

If there is no damage, couldn’t you just claim that there was no incident… surely the bloke has no proof whatsoever?!

couldn’t you just claim that there was no incident

There was no incident.

There was something about this on Radio 4 the other day, once you report an incident (like you have to) there is potential for a claim (even if it comes to nothing) and insurers have been pushing up renewal prices on the strength of it.

First of all, your insurance company emailed you? I’d wait until I got something on paper before I did anything at all. Then I would just say that you/the car has not been involved in an accident (no need to say anything else imo)

So he left the scene of an accident without leaving details – an offence.

You reported the “non-accident” to the cops – they may have taken no action but should still have a log of the call?

Be straight with your insurers and insist any claim is resisted, but it’s a bummer with this type of thing.

I was in a similar situation last year and it’s a complete pain on the tits!
The most important thing you need to do, is convince your insurance co that nothing happened. You then need to persuade them to remove any reference to it from their and shared insurance databases. If you don’t do this, getting insurance in future is going to be very difficult as there will be an outstanding / unresolved claim/issue on your file – trust me, I’ve been there.
Do whatever is required to make that happen. I suspect that you will need to involve the police to get it resolved.
Good luck!

Write a letter to your insurance company, saying exactly what happened.

Do not give one inch, end of.

“end of” doesn’t quite cover it – your insurance co will take care of it – they won’t want to pay out on a fraudulent claim and the other party’s insurer shouldn’t be too enthusiastic to persue it either , but unless its the most open and shut of cases be prepared to kick them up the chuff regularly to remind them that they work for you.

Found this in my inbox this morning:

Dear Sir,

Our colleague has seen a post by you on Singletrack Magazine:

Have you been involved in an accident, and it was not your fault??

Whether you have been involved in a road traffic accident, work accident, slip or trip we can help.

We work on a No Win No Fee basis, so it won’t cost you a penny!

Simply reply with your number and best time for our specialist injury solicitor to call you for a short consultation.

Regards

Samuel Claims

😯 🙄

“Forum Lurking”

It’s ambulance chasing for the Internet age.

Wow. Amazed.

……wait until you find out there was five of them in the car you hit……

seriously though.
This sounds like a perfect set up as it encourages the driver (you) to reverse and while your attention is on the car in front and avoiding that, you have a bump with one behind. You run in to them, you’re at fault, they are an innocent party. Liability sorted so let’s just talk pounds shilling and pence!
It used to be the sudden braking scam run by fraud rings but this might be the new “style” of staged accident.
Not much use to you but I work for a big insurance assesor and I think our own fraud team would be very interested in your story, especially as it is in a fraud hotspot.

Except, there wasn’t actually a collision…!

there might be now on the car behind….
quick bash into a scapegoat car.

At least with NO collision, a decent insurer WILL investigate this.

Just ensure you tell them there was “no” xollision – a Forensic engineer can adduce that in evidence, and that might be enough to challenge the GP’s who will find “whiplash” in their honest and othewise reliable claimants.

it does make me wonder when manufacturers are going to start offering front and rear cameras as an option in passenger cars. buses and HGVs have them to stop the “pulling in front and braking scam”.

Your insurance companys fraud dept should be all over this as a dodgy claim..
I used to deal with household fraud but we sat beside the motor fraud team and this sort of thing was bread and butter to them.
Hopefully you’ve kept all the relevant reg numbers etc, make sure you stress to your insurers and the police that this is as dodgy as a ten bob bit and make sure the relevant teams are dealing, not just a wee probie pc or junior claims handler..
Will be a PITA but that’s just how it is..

Contest it. Don’t give an inch of ground to the parasites.

your insurers will roll over and let them tickle thier tummies.. woman in front of me at roundabout pulled out then reversed back into me whilst i was still staionary.. claimed i had rammed her both cars had damage insurer paid out3.5k for her car damage ( on my inspection number plate was broken) and whiplash for her and male passenger about 2.2 each as i remember. i told insurer and wrote saying it ws a scam they said they had agreed ‘blame’ on the evidence available..

All the above, they’ll have paid out about £2-3k by the end of the week. My aunt nudged the taillift of a removal truck with her smart for two. They didn’t notice but she got out and told them. The driver laughed and said not to worry. The truck passenger claimed whiplash and her insurance company paid out £2k without even informing her, put down as 50/50 and told her that under a certain claim they generally pay out as it’s cheaper than investigating.

Insrance companies tell us it’s ‘our’ fault for rising premiums because of the number of claims. I counter that it’s their fault for not investigating blatant fraud and it’s them that sell your details to the compensation lawyers..

just ONE MORE THING to get angry about….

Thought it was worth updating this post i have just read someone elses update on a stolen car hitting theirs.

So after i received the letter from my insurers to say a claim had been made against us i contacted my insurers to explain what had happened and passed on police references etc. They sent out someone to inspect the car and he clearly stated the car had not been involved in an accident and after a couple of weeks i hear from them to say the 3rd party had been investigated and he had made over 20 similar claims for whiplash in a 2-3 week period, but none for damage so they were investigating it and as far as they were concerned there was no accident! Ok, so great, just what i wanted to hear!

Until that is i renew my insurance. My new insurers contact me to say i have an accident that i havent disclosed. Why would i, as ive been told there wasnt an accident which there wasnt. So my new insurers want an additional £300 premium as i have an at fault claim outstanding. Im getting annoyed at this point so delve into it. It turns out the insurers have basically closed the claim on their system but the underwriters have given the 3rd partys solicitor till May 2013 to respond. Im told that in may if its closed by the underwriters i get my £300 back.

Still not happy i write a very long winded email to both past and present insurers threatening to contact reporters i know at the a couple of nationals about the way im being treat as guilty until proven innocent, about going to the onbudsmen, threatening to cancel my policy with them and finally asking how the situation would be approached if it was their MD’s car allegedly involved.

So i hear nothing back other than an auto response email from both parties so last week i contact my insurers to blow a fuse and find out that all the extra premium has been refunded, i dont have an at fault claim outstanding against me any more and my full NCB is intact!

WIN!

So its worth taking the upper hand with insurers as they will fleece you wherever possible!

Good news!

Had similar trouble with my insurers, had an accident one year which was 100% third parties fault, so when renewal came up I had zero no claims & paid a hefty premium but told I would get money back once claim was settled in my favour – hey ho once it was settled Insurance company had no record of conversation & stated that 9yrs plus no claims wouldn’t have any difference to the cost of my policy! Argued my corner, got money back & won’t be insuring with Carole Nash again thank you very much.

He is an idiot. The car behind ALWAYS loses. If you fancy playing him at his own game, claim damage from behind, whiplash, all bells and whistles. See how he likes that.

edit: me is an idiot. This is ooooooold

It is indeed old 🙂

The car behind ALWAYS loses.

And it’s wrong too.

Double whammy ! 😉