Fighting a Mickey Mouse Insurance Claim

repton:

spectron:
Time for some cameras Harry.

Wouldn’t have helped in this case as Harry pulls his customer’s trailers and so unless he can persuade them to fit them to their entire fleet he’s not going to be able to see directly behind him whatever he does.

Paul

you can get mag-mount wireless cameras, not sure how much they cost but probably cheaper than being taken to the cleaners by a bunch of con-merchants.

I have a forward facing camera but it wouldn’t be of any use here.

The lovely Louanne will be receiving my letter tomorrow, sent by recorded delivery with a big red URGENT stamp on the front, I’m half expecting her or her business partner to phone (he has already phoned me and admitted the damage was caused by an ex-employee of theirs, shame I had no way to record the call, will look into this for the future).

I’m going to lay it on the line to her, if she doesn’t go do one I am going to go to the police station with the photos and a copy of the repairs estimate and make a statement under oath alleging attempted fraud against her and her equally stupid business partner.

I imagine she thought she was dealing with the likes of Wincanton, Stobart etc where the claim would just be rubber stamped and paid out, boy oh boy did she make an error of judgement there!

Harry Monk:
I have a forward facing camera but it wouldn’t be of any use here.

The lovely Louanne will be receiving my letter tomorrow, sent by recorded delivery with a big red URGENT stamp on the front, I’m half expecting her or her business partner to phone (he has already phoned me and admitted the damage was caused by an ex-employee of theirs, shame I had no way to record the call, will look into this for the future).

I’m going to lay it on the line to her, if she doesn’t go do one I am going to go to the police station with the photos and a copy of the repairs estimate and make a statement under oath alleging attempted fraud against her and her equally stupid business partner.

I imagine she thought she was dealing with the likes of Wincanton, Stobart etc where the claim would just be rubber stamped and paid out, boy oh boy did she make an error of judgement there!

Good on you.

If you speak to either of them tell the theiving scumbags that when you go to the police you will “of course be taking all of the recordings I made of our previous conversations”!! Fact is you’ve made none but you will be taking all of them with you, it’s just that all = none!!:wink:

But of course you might just forget to tell them the punch line.

Ross.

Fighting one for my daughter at the moment, driver admitted liability at scene, but is now deniying all that happened, there is cctv footage that does not help, but we have an indipendant whitness who has made a written statement that will probably swing it, somthing that should have been sorted in a day is now 2 months in, and will probably take much longer befaore his insurance co concedes, it annoys me that we all pay for the costs these cases incur.

Insurers and those trying to defraud them (rather than us) are just playing a rather large game of poker here aren’t they?

Few people have a nut hand being bet into, so they’ll just push and probe around trying to find any area where the punter isn’t 100% sure, and then go for the throat.
There are even some rather nasty malware internet scams that operate on the “fear” principle that “you’d better just cough up, and let them con you, otherwise you might be in trouble with the law!”
The most likely scenario for this of course would be the racist card being played. Some bod hits you, drives away, no damage done. Next day, a big claim comes in including whiplash, leaving the scene of an accident, reported to the police thus… "
but sir, if you’d just cough up to our full time fraudster here, we’ll say no more about it whaddya say?"
Back in the late 90’s, there used to be some foreign websites that could be for anything from rentacar to booking airline tickets that when you went to the “site”, you got what is now known as a “drive by download” virus which then put an illegal pop-up on your screen. It might be proporting to be “foreign secrets - 20 years imprisonment for viewing by unauthorised persons” or more commonly, it might be some rather dodgy ■■■■. At the bottom of the message you’d get “Leave a donation on this number if you don’t want us to report you for having illegal material on your computer” which used the fact that most PC users don’t have a clue how to be Net Savvy. These days, mpst folk STILL don’t know how to be net-savvy, but at least realise that they NEED to be. This makes the default answer when you think you’re being conned as “an uncooperative one” shall we say.

Stranger: Hey meester you dropped your wallet
You: Get lost!
(you can only say that with confidence if you didnt HAVE a wallet - right?) :wink:

The age of socialpathy has begun! … Dont walk over, don’t get invovled, don’t answer the stranger, don’t catch someone’s eye…
Life has become like 50 people in a lift where no two eyes meet!

Fear is a powerful weapon, but I’d argue that fear out of ignorance is the most powerful kind OF fear!

You can understand why most of the time you are advised to “never admit liability” even if you’re bang to rights.
Stupid thing is, that only helps your firm - not you. If the case ends up in court, it’s YOU who ends up doing the 4 for perjury should you follow your own end’s advice on not co-operating if you are clearly in the wrong. When it’s the other side that are bang to rights, but “resisting”, then just push for the court as quick as possible. Some “It’s not too late” letters might come, but so to will the court date, and the fraudsters always fold before the appearance. The moral? - Just be a calling station, and make sure you have even the smallest thing to call their bluff with! Even remarks like “I’ll see you in court!” are nothing more than a bluff 9 times out of 10 from someone who doesn’t know his arse from his elbow… :smiling_imp:

Remember - The other side isn’t some kind of ‘god of time and space’, so knows the same or even less than you. Don’t let the pushiness of them give you doubts about “Hey, I didn’t know that, so I’m not sure overall now…” If you DO allow it, you won’t even be sure of your own name by the time they’re finished…

Has anyone on here ever had their day in court, and taken someone to the cleaners/seen them locked up for the inevitable perjury from the other side, because they didn’t know when to quit when you have absolute proof they’re in the wrong? You read about episodes in the press, but I’ve yet to see it on the neighbourhood front.

Just a quick update, last Monday I grassed these idiots up to the Police and today I have received an email from my insurance company telling me they have decided to withdraw their claim in its entirety. Presumably Plod went and knocked on their door, whereupon their bum holes started going like a cod’s mouth. :wink:

Result

Harry Monk:
Just a quick update, last Monday I grassed these idiots up to the Police and today I have received an email from my insurance company telling me they have decided to withdraw their claim in its entirety. Presumably Plod went and knocked on their door, whereupon their bum holes started going like a cod’s mouth. :wink:

Great news, now bill them for your time!! lol

Harry
worth asking your insurance company if the fact that a claim “was” made will affect your renewal.
I have read of instances where a person has enquired about making a claim (subsequently not going ahead with it) and the fact that an enquiry has been made has been enough to alter the “risk” component of the insurance premium.

Good on you sir! These attempts at getting something for nothing at someone else’s expense make me feel a bit depressed at the venality of some people, but that’s human nature I guess (it’s a competitive world as someone once said). Whether one is mean-minded or a saint, the Darb story from 30th Sep is surely satisfying and would be true justice if it could be applied more often. Insurance companies need to stop these frauds for everyone’s sake by making an example of someone, but you did your bit.

Good work fella!

It’s sad that you’ve had to waste time getting the red-hot poker out though.

My insurance company have told me that it has not been registered as a claim and will not affect future premiums.

I am considering billing them for my time, which I estimate at around 10 hours.

Since I have abundant evidence to support what I say, and will supply copies of original correspondence on request, and since the company in question is prepared to knowingly attempt to defraud goods vehicle operators, I will name them here as [No you wont. Until they have been convicted of fraud you wont publish such allegations on this website]

MODERATOR! :slight_smile:

Glad it came right in the end Harry,but there is a reason these con artists try it on because insurance co’s pay out & will settle up rather than investigate claims it seems they no longer employ experienced claims handlers,investigators or engineers to examin claims only I/T wizz kids( aka complete muppets with no life experience who can’t see further than their computor screen) claims have become a box ticking exercise on a screen,they have no knowlege of commercial vehicles or what we in the haulage industry do but they are very happy to keep taking the premiums.I had a fraudulent claim made against one of my vehicles,only when I involved solictors&an independent investigator did my useless insurers conceed that it was indeed a fraud, they then implored me not to go public or report it to the police as it would make them look a soft touch!!.If any one from the insurance industry reads this I and many others would welcome your comments!!

Insurance companies are ■■■■■■■■ i got hit whilst waiting at a t-junction and despite being not at fault and not claiming for any whiplash etc i still ended up paying more for insurance! What the ■■■■ is that all about?!

Harry, that bloke who you ‘ran into’ out some photos on facebook, think he was a mate of some bloke on one of the truck groups. The photos showed what an idiot he was…

splitshift:
Glad it came right in the end Harry,but there is a reason these con artists try it on because insurance co’s pay out & will settle up rather than investigate claims it seems they no longer employ experienced claims handlers,investigators or engineers to examin claims only I/T wizz kids( aka complete muppets with no life experience who can’t see further than their computor screen) claims have become a box ticking exercise on a screen,they have no knowlege of commercial vehicles or what we in the haulage industry do but they are very happy to keep taking the premiums.I had a fraudulent claim made against one of my vehicles,only when I involved solictors&an independent investigator did my useless insurers conceed that it was indeed a fraud, they then implored me not to go public or report it to the police as it would make them look a soft touch!!.If any one from the insurance industry reads this I and many others would welcome your comments!!

By the way a big hello to Scot,Andy&Tony,you know who you are :smiling_imp:

splitshift:
Glad it came right in the end Harry,but there is a reason these con artists try it on because insurance co’s pay out & will settle up rather than investigate claims it seems they no longer employ experienced claims handlers,investigators or engineers to examin claims only I/T wizz kids( aka complete muppets with no life experience who can’t see further than their computor screen) claims have become a box ticking exercise on a screen,they have no knowlege of commercial vehicles or what we in the haulage industry do but they are very happy to keep taking the premiums.I had a fraudulent claim made against one of my vehicles,only when I involved solictors&an independent investigator did my useless insurers conceed that it was indeed a fraud, they then implored me not to go public or report it to the police as it would make them look a soft touch!!.If any one from the insurance industry reads this I and many others would welcome your comments!!

My insurance company, Equity Red Star, have been good, in that they emailed me after I told them that I intended to report this to the Police, and told me that if I did, that they would be prepared to liaise with the Police in any investigation- in other words, if I started the ball rolling, they would keep it rolling and add momentum.

However, had I not done the groundwork, and sent copies of all previous correspondence to the Police along with a covering letter making an allegation of attempted fraud against two named individuals, then I expect they probably would have just paid up. So the moral of the story, I suppose, is to be prepared to fight your corner yourself.

Since the scumbags declined the opportunities to drop the case which I previously gave them both by phone and letter, but have suddenly dropped it like a hot potato, I can only imagine that the Police called round to get their version of events. I would dearly love to have been a fly on the wall when that happened. :smiley:

Harry Monk:
My insurance company have told me that it has not been registered as a claim and will not affect future premiums.

I am considering billing them for my time, which I estimate at around 10 hours.

Since I have abundant evidence to support what I say, and will supply copies of original correspondence on request, and since the company in question is prepared to knowingly attempt to defraud goods vehicle operators, I will name them here as [No you wont. Until they have been convicted of fraud you wont publish such allegations on this website]

Shame you weren’t around earlier…We ALL saw it already! :stuck_out_tongue: