Accident 2 months ago :(

Discussion in 'Driving/Incidents/Roadrage' started by Merty, Oct 30, 2013.

  1. Merty

    Merty Member

    Messages:
    51
    Joined:
    Oct 31, 2012
    Location:
    London
    Car:
    Mercedes S
    sorry the below is a long story , right let me get to the point. My first day at my placement job i had a small accident. Basically I was on the roundabout and one taxi driver was in front of me. I slightly barely touched his bumper. So the guy comes out and the only word he says it that him & his friends neck hurts. So I calmly said to him to drive down and park somewhere sensible so we can discuss. So we did, he got out I got out and i said how are you doing mate , his reply "Im fine but my friends neck hurts" so I giggled to myself and i said lets look at the cars. So we did, there was no damage on my car, or his car. I basically touched his taxi license plate the yellow one and even that didn't have a scratch on it. In the meantime his so called friend comes out the car and pretends to have neck aches. So I just gave my details and so did he so we walked off.

    Now I parked up at work, and as i am walking towards the entrance i see the same taxi dropping his beloved friend off. So I just minded my own business and walked along. Then the so called friend of the taxi driver was casually jogging past me in to the building going through security gates saying hello to other staff.

    After a week i got a call from my insurance company saying that i have been in a accident.So i said yes i did touch his bumper but i know for a fact that there is no damage. So they sent out an engineer, he looked at my car and then they looked at the other car.

    Long story short :) I have now received a letter saying that the claim will be going forward and that they will be paying out for damages and personal injury.

    Now the catch here is that.
    The so called friend is a passenger, he works at my place and i see him everyday since that day. And i haven't noticed any pains which he claims he is having, the motherfu**er is healthier than me:D
    The taxi driver - i see him now and then with the same vehicle.

    I took couple pictures on the scene which is time and gps stamped. The engineer has gone out to take a picture of their car after 7 weeks. Between the pics there is a considerable difference. Basically the guy has broken some Part of his car on purpose within the timeframe when te enginner took 2 months to go there.


    What do i do now, ive already told this to the claims department that this is a scam. How can i cope with this do you have any ideas ?


    thank you for taking your time to read this. .
     
  2. p3tchy

    p3tchy Active Member

    Messages:
    223
    Joined:
    Aug 13, 2013
    Location:
    Milton Keynes
    Car:
    CLK W209, K6 GSXR 1000
    Its down to the insurance company and whether they want to investigate it more or just pay out and peanilise you.

    I had the same thing many years ago. between my lighty toughing the back bumper and the 3rd party getting home his car was written off... wtf

    (some) Taxi drivers are the biggest scam artists going when it comes to rta's and claiming.
     
  3. Dieselman

    Dieselman Banned

    Messages:
    34,206
    Joined:
    Jul 13, 2003
    Car:
    Peugeot 403 Convertible
    Why not video the claimant and send that to the insurance company?
     
  4. p3tchy

    p3tchy Active Member

    Messages:
    223
    Joined:
    Aug 13, 2013
    Location:
    Milton Keynes
    Car:
    CLK W209, K6 GSXR 1000
    Have you told your insurance company what you have put on here? I mean about working with the "injured" party and the pictures you took at the time.

    I would be fighting them tooth and nail because you know for a fact when your renewal comes through it will be double if not treble the amount.
     
  5. Dieselman

    Dieselman Banned

    Messages:
    34,206
    Joined:
    Jul 13, 2003
    Car:
    Peugeot 403 Convertible
    Why will it, it's just a claim.
     
  6. p3tchy

    p3tchy Active Member

    Messages:
    223
    Joined:
    Aug 13, 2013
    Location:
    Milton Keynes
    Car:
    CLK W209, K6 GSXR 1000
    Because they can that's why.
     
  7. Dieselman

    Dieselman Banned

    Messages:
    34,206
    Joined:
    Jul 13, 2003
    Car:
    Peugeot 403 Convertible
    Yawn.

    It will go up the value of the lost no claims bonus, usually 2 years per claim.
     
  8. markjay

    markjay MB Club Veteran

    Messages:
    24,924
    Joined:
    Jun 24, 2008
    Location:
    London
    Car:
    W204 C180 Executive SE 2013 Automatic / COMAND NTG4.7 and Morel speakers fitted by www.comand.co.uk
    If you can prove to your insurer through the photos that the other driver is not telling the truth about the damage his car sustained in the crash (no need to actually blame him for breaking bits on purpose, you don't know that for fact anyway), then they will classify his claim as suspected fraudulent and will deal with it differently.
     
  9. Spinal

    Spinal MB Enthusiast

    Messages:
    4,793
    Joined:
    Sep 14, 2004
    Location:
    Uxbridge
    Car:
    Smart, S320 and C180 with 3-pointed stars amongst others
    It'll go up either way - you need to inform your insurer about incidents, at fault or otherwise...
     
  10. IanA2

    IanA2 MB Enthusiast

    Messages:
    4,535
    Joined:
    Sep 17, 2003
    Location:
    East Mids
    Car:
    SL60 AMG, GES300, Lexus GS 430
    And don't forget about your other accident.....
     
    1 person likes this.
  11. OP
    OP
    Merty

    Merty Member

    Messages:
    51
    Joined:
    Oct 31, 2012
    Location:
    London
    Car:
    Mercedes S
    I did tell them a number of times but they will not understand I have decided to go through the other bodies to make this problem
    Aware.
     
  12. IanA2

    IanA2 MB Enthusiast

    Messages:
    4,535
    Joined:
    Sep 17, 2003
    Location:
    East Mids
    Car:
    SL60 AMG, GES300, Lexus GS 430
    Have you reported both accidents?
     
  13. OP
    OP
    Merty

    Merty Member

    Messages:
    51
    Joined:
    Oct 31, 2012
    Location:
    London
    Car:
    Mercedes S
     
  14. IanA2

    IanA2 MB Enthusiast

    Messages:
    4,535
    Joined:
    Sep 17, 2003
    Location:
    East Mids
    Car:
    SL60 AMG, GES300, Lexus GS 430
    Well that clears that up then.
     
  15. OP
    OP
    Merty

    Merty Member

    Messages:
    51
    Joined:
    Oct 31, 2012
    Location:
    London
    Car:
    Mercedes S
    Yup
     
    1 person likes this.
  16. NDFR

    NDFR Active Member

    Messages:
    734
    Joined:
    Aug 8, 2013
    Location:
    South West
    Car:
    C320 CDI
    I've added reluctantly a dash cam this year to try to have some protection against this sort of thing. I would have difficulty remaining calm in this sort of situation.
     
  17. Kris-H

    Kris-H Active Member

    Messages:
    99
    Joined:
    Jul 8, 2013
    Location:
    Near Heathrow
    Car:
    E 320 Cdi
    Tell your insurers, send them the photographic evidence you have and cooperate in any investigations and legal actions that follow.
     
  18. Kingy68

    Kingy68 Active Member

    Messages:
    213
    Joined:
    Sep 14, 2011
    Car:
    C220 Sport 125
    Def send your pics and your personal report to your insurers. Avoid accusing anyone of lying, but state the facts simply so they can see that the nature of the accident (leaving no photographic damage to the car) is unlikely to have caused the soft tissue trauma the other parties are claiming. The photo will also be useful if it shows no damage at the scene compared with damage on the engineers photo which the claimant says was as a result of the accident.

    From recent experience of a genuine rear end shunt at the end of last year at speed on motorway it's not simply a case of make a claim and get a payout. The system, whilst still flawed, is changing to try and reduce fraudulent claims...

    The driver and passenger claiming personal injury will need to go to an independent doctor (appointed by your insurer) to assess their injuries.
    This will be in a few months and in the meantime they will need to fill in paperwork confirming the accident, their injuries, what they have done with regards treatment (visit GP/A&E) and ongoing treatment/claim (medication, time off work etc). They will then need to confirm seperately that their claim is not fraudulent in writing.
    When they see the insurance appointed Doctor he/she will ask them what happened, to describe the damage to the car and will then examine them. All the time they will be asking questions about their pain, frequency, impact on their home and work life etc.

    Given there was no damage to the car, it was low speed and neither chap appears to have stopped working as a result of their injuries it will be interesting to see what the Doctor makes of it.

    *If* either of the chaps claiming to be injured is a 'normal' bloke thinking they have a chance of a quick couple of grand then they may well get cold feet as the paperwork starts rolling in.
    If they keep their nerve and go to the Doctors - the Doctors report may not be in their favour.

    All iffs and buts I know, but don't assume just because your insurer is allowing the claim to proceed that it will end up in a personal injury payout.
     
  19. CCAALLVVIINN

    CCAALLVVIINN MB Enthusiast

    Messages:
    1,811
    Joined:
    Mar 6, 2007
    Location:
    Sunny Devon
    Car:
    GL 350cdi, W126 300SE, Land Rover 109 2.6
    I think it's awful when people claim for neck pain from an insurance company Merty, as I am sure you are aware, money will not make it better, hang them I say, that'll sort the neck out!
     
  20. chris200

    chris200 Active Member

    Messages:
    112
    Joined:
    Sep 18, 2013
    Car:
    c200
    It isn't your decision whether to fight the claim or not. Your insurer will make that decision and all you can do is make them aware of any ADDITIONAL information or factors not obvious to them. It's out of your hands after that.
     

Share This Page

  1. This site uses cookies to help personalise content, tailor your experience and to keep you logged in if you register.
    By continuing to use this site, you are consenting to our use of cookies.