Originally posted by ASB
View Post
- Visitors can check out the Forum FAQ by clicking this link. You have to register before you can post: click the REGISTER link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. View our Forum Privacy Policy.
- Want to receive the latest contracting news and advice straight to your inbox? Sign up to the ContractorUK newsletter here. Every sign up will also be entered into a draw to WIN £100 Amazon vouchers!
Reply to: Insurance Rant!
Collapse
You are not logged in or you do not have permission to access this page. This could be due to one of several reasons:
- You are not logged in. If you are already registered, fill in the form below to log in, or follow the "Sign Up" link to register a new account.
- You may not have sufficient privileges to access this page. Are you trying to edit someone else's post, access administrative features or some other privileged system?
- If you are trying to post, the administrator may have disabled your account, or it may be awaiting activation.
Logging in...
Previously on "Insurance Rant!"
Collapse
-
-
Originally posted by xoggoth View PostQuite. Then the bastards try and cut their losses by ripping off their customers. After my van was hit from behind by a big truck while in reverse gear they tried to say the damage to the transmission was not related to the accident. Had to take it to the ombudsman to get the insurance I had been paying for.
I had a mate hit some debris. He didnt know it at the time but ot had pierced a casing of some descriptipn and all his oil was departing. Engine blew up. He claimed on his insurance without too much difficulty. I wouldnt have thought I was covered were it me.
Leave a comment:
-
Quite. Then the bastards try and cut their losses by ripping off their customers. After my van was hit from behind by a big truck while in reverse gear they tried to say the damage to the transmission was not related to the accident. Had to take it to the ombudsman to get the insurance I had been paying for.
Leave a comment:
-
Originally posted by SimonMac View PostFor those who don't venture into TPD last week I ran into the back of someone coming out of a junction as they had stopped in the middle of the road, entirely my fault and I admit that, on first inspection there was no damage to their car and a bit to mine but not enough to worry about it, she mentioned something about renewing her policy in a few days so trying to avoid going through our respective insurers and looking at the damage (or lack off) I was happy with this. Few days later I get a call saying there is damage to the boot and "behind the bumper" so it will have to go through the insurance, again no worries.
Get a letter through yesterday from their solicitors claiming "in excess of £10,000" due to whiplash, driving anxiety and lost earnings, **** sake I thought I was on a good rate as given they only had one day off (the form stated this). So I go back to the photos I have taken off the cars and again confirm there is no visible damage to her car and given the speed of impact was below 5mph I spoke to my insurers saying I wanted to contest the level of the claim, only to be told that with fault established it is not in their and thus my, interest to negotiate the claim and just settle.
Are things that ****ed up with our legal system that it is cheaper to just settle than try and negotiate a fair deal? I wonder how much the case would cost if third party claims management firms were not involved, or no win no fee cases were abolished.
Welcome to the IFB Cheatline
If you know anyone involved in committing insurance fraud, you are paying for this with increased insurance premiums. This money can then be used to fund other criminal activity. Please help the IFB in their fight to protect honest customers.
You can report insurance fraud to the IFB in two free and confidential ways.
IFB 0800 422 0421,
Leave a comment:
-
Originally posted by SimonMac View PostGet a letter through yesterday from their solicitors claiming "in excess of £10,000" due to whiplash, driving anxiety and lost earnings, **** sake I thought
Leave a comment:
-
Originally posted by SueEllen View PostThe government has banned insurers from getting referral fees from solicitors etc. so anyone having accidents from now on should get less tulip. Unfortunately there are still insurers who have solicitors in their group of companies.....
It's just a terminally screwed up system. The biggest winners are the ambulance chasing solicitors...
Leave a comment:
-
Originally posted by TykeMerc View PostI've had something similar in the last month.
Some old dear tried to pull across the road I had just turned into, she admitted full fault verbally at the time, to the insurers etc and I've had notification from my insurers that she's admitted responsibility. The bingle wasn't at high speed 10mph tops, but it trashed the bumper on my car and one of the light fitting things, all repaired with replacement car while mine was in dock.
Originally posted by TykeMerc View PostWithin minutes of my call to my insurers they had a firm of solicitors calling me asking if I'd suffered any injury and I had a similar call from the other parties insurers with some personal injury claims bod. Neither legal type was pushy, but it was pretty obvious they were keen for me to make some personal injury claim and there were follow up calls over several days after the event.
I suppose some people would call me pretty daft for not pushing a dodgy claim, but I didn't lose any work and I didn't suffer any injury.
The government has banned insurers from getting referral fees from solicitors etc. so anyone having accidents from now on should get less tulip. Unfortunately there are still insurers who have solicitors in their group of companies.....
Leave a comment:
-
Originally posted by d000hg View PostInteresting. When the wife was hit from behind at a far lower speed - car behind thought she was going to pull out and pulled out themself - her insurance company (NOT some dodgy specialist accident company) were very keen to get her to claim for injury.
Some old dear tried to pull across the road I had just turned into, she admitted full fault verbally at the time, to the insurers etc and I've had notification from my insurers that she's admitted responsibility. The bingle wasn't at high speed 10mph tops, but it trashed the bumper on my car and one of the light fitting things, all repaired with replacement car while mine was in dock.
Within minutes of my call to my insurers they had a firm of solicitors calling me asking if I'd suffered any injury and I had a similar call from the other parties insurers with some personal injury claims bod. Neither legal type was pushy, but it was pretty obvious they were keen for me to make some personal injury claim and there were follow up calls over several days after the event.
I suppose some people would call me pretty daft for not pushing a dodgy claim, but I didn't lose any work and I didn't suffer any injury.
Leave a comment:
-
Originally posted by SueEllen View PostUnfortunately in your policy you agree for the insurance company to handle it, so you can't do anything.
So unless you called the police and indicated it was a set up then the insurer will pay out.
So, I went to see solicitor. His view was that the insurers were perfectly within their rights. If I wanted to do anything about it I would have to sue the other driver. He also indicated that it was his opinion I would win.
I suggested we go forwards, which is when I also discovered I would be wasting my time. Even if I won (as expected) all I would be able to recover would be MY loss. That would be limited to the increased insurance premiums.
It's down to the insurer if they want to fight a claim, or try and recover from the other party. But the obvious easy option is just to pay out. Crappy system, but its the one we have.
Leave a comment:
-
Originally posted by Alias View Posttbh, i'd get onto a solicitor and make sure that they couldn't claim that much off ya and not "just settle" regardless of blame...
So unless you called the police and indicated it was a set up then the insurer will pay out.
Leave a comment:
-
Originally posted by SimonMac View Post...So I go back to the photos I have taken off the cars and again confirm there is no visible damage to her car and given the speed of impact was below 5mph I spoke to my insurers saying I wanted to contest the level of the claim, only to be told that with fault established it is not in their and thus my, interest to negotiate the claim and just settle...
Leave a comment:
-
Originally posted by SimonMac View PostFor those who don't venture into TPD last week I ran into the back of someone coming out of a junction as they had stopped in the middle of the road, entirely my fault and I admit that, on first inspection there was no damage to their car and a bit to mine but not enough to worry about it, she mentioned something about renewing her policy in a few days so trying to avoid going through our respective insurers and looking at the damage (or lack off) I was happy with this. Few days later I get a call saying there is damage to the boot and "behind the bumper" so it will have to go through the insurance, again no worries.
Get a letter through yesterday from their solicitors claiming "in excess of £10,000" due to whiplash, driving anxiety and lost earnings, **** sake I thought I was on a good rate as given they only had one day off (the form stated this). So I go back to the photos I have taken off the cars and again confirm there is no visible damage to her car and given the speed of impact was below 5mph I spoke to my insurers saying I wanted to contest the level of the claim, only to be told that with fault established it is not in their and thus my, interest to negotiate the claim and just settle.
Are things that ****ed up with our legal system that it is cheaper to just settle than try and negotiate a fair deal? I wonder how much the case would cost if third party claims management firms were not involved, or no win no fee cases were abolished.
Leave a comment:
-
Originally posted by VectraMan View PostPerhaps then your insurance does pay as no other vehicle is involved.
It's the same as your house. If a tile fell off your roof and it hit a passer by, your home insurance would cover it (I think it would anyway). If somebody burgles your house, you don't expect to claim on the burglar's insurance, you expect your insurance to pay. You insure against the risk of being burgled; in the same way your car insurance would insure you against the risk of being driven into, as well as the risk of you injuring a pedestrian or crashing into a lampost.
Leave a comment:
-
Originally posted by VectraMan View Postyou could sue a burglar but most people don't because they're happy enough that their insurance pays for their stuff.
Leave a comment:
- Home
- News & Features
- First Timers
- IR35 / S660 / BN66
- Employee Benefit Trusts
- Agency Workers Regulations
- MSC Legislation
- Limited Companies
- Dividends
- Umbrella Company
- VAT / Flat Rate VAT
- Job News & Guides
- Money News & Guides
- Guide to Contracts
- Successful Contracting
- Contracting Overseas
- Contractor Calculators
- MVL
- Contractor Expenses
Advertisers
Contractor Services
CUK News
- Streamline Your Retirement with iSIPP: A Solution for Contractor Pensions Sep 1 09:13
- Making the most of pension lump sums: overview for contractors Sep 1 08:36
- Umbrella company tribunal cases are opening up; are your wages subject to unlawful deductions, too? Aug 31 08:38
- Contractors, relabelling 'labour' as 'services' to appear 'fully contracted out' won't dupe IR35 inspectors Aug 31 08:30
- How often does HMRC check tax returns? Aug 30 08:27
- Work-life balance as an IT contractor: 5 top tips from a tech recruiter Aug 30 08:20
- Autumn Statement 2023 tipped to prioritise mental health, in a boost for UK workplaces Aug 29 08:33
- Final reminder for contractors to respond to the umbrella consultation (closing today) Aug 29 08:09
- Top 5 most in demand cyber security contract roles Aug 25 08:38
- Changes to the right to request flexible working are incoming, but how will contractors be affected? Aug 24 08:25
Leave a comment: