Car accident quandry - HotUKDeals
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Car accident quandry

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7y, 4m agoPosted 7 years, 4 months ago
(also posted on MSE)

lo, just looking for a sounding board.

The gf was flagged down by a guy several weeks ago who claims she clipped his van wing mirror. She had a look and there was some minor damage on the mirror of his BLUE VAN. She didn't have her insurance details so gave address, number, reg number etc. Didn't get his reg number or details (I know ).

Gets a phone call last week from the taxi company the guy works for saying they need £250 for repairs of the BLACK AND WHITE TAXI CAB she damaged. Obviously she said "what taxi cab - it was a van" and later she gets a call from the original guy saying "hi love, you remember me right? you clipped my taxi" - like she couldn't remember that it was a van to start with. Assumed trying to scam her.

Today gets a solicitors letter referencing the accident to name and a car registration number - no indication if this is the van or the taxi / the taxi owner or the original guy - and demands insurance details within 10 days.

My advice was to forward to her insurance company and let them deal with it, however, she feels - with some justification - that for minor damage the insurance company will just settle or go 50-50, losing her the no claims and excess - but more importantly letting a liar scam her. Looking at the height of van wing mirrors and hers I have doubts the original accident ever even occurred.

She plans to write to the solicitors outlining all this - the taxi firm is a large one so is unlikely to be in collusion in any scam - but I figured she might have obligations to inform the insurance company. I know ppl settle these things without informing the insurance companies but I don't know how that sits legally or within the policy T&Cs. I think she feels once they have her insurance details it will be out of her hands and she has lost.

Any thoughts most welcome.

cheers
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7y, 4m agoPosted 7 years, 4 months ago
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#1
sounds like an attempt fraud, forget the insurance company, go to your local polce station
#2
Any solicitors letters regarding a possible claim should always be passed onto your insurance company. In the small print of insurance docs it will say this, also it requires you not to discuss fault or non fault with the other party.
She is obliged to hand on the letter to her insurance company along with all th edetails of the incident.

I would personally hand it over and also contact the police, a visit from the police may make the third party think again.

All insurers share a database so if this is a scam its likely that the third party will be on the database already and they will then investigate more carefully.
#3
Call the Citizens advence

[url]www.pepipoo.com[/url]

put this on theretoo.
#4
This sort of thing is happening a lot round here. A bit late, but my advice, when this thing happens, take photos/video if you can. My mate drives a van and he was flagged down by some (er how do i say it nicely? non british person) who claimed he clipped them on the roundabout. He didn't feel/hear anything and was sure he didnt hit anyone, no damage to his van and a few scratches on their car. He slipped them £40 in the end to get rid of them.
#5
I used to always carry a disposable camera in the glove box so that I could take pics of both the driver and the car, after my husband had an accident with a guy who fled the country and his brother tried to claim he was the driver:roll: Luckily the police pulled CCTV images for us and proved our case.
#6
If you are unsure whether the reg number relates to a van or taxi type the number into http://ownvehicle.askmid.com/ it will show you make/model/colour and IF the vehicle is insured too.
#7
thx for the replies. I am trying to convince her to hand it all off the the insurers. Her point of view is that she just doesn't want the insurance company to pay the scammers off with it being such a small calim (no doubt why they keep it small).


harlzter
If you are unsure whether the reg number relates to a van or taxi type the number into http://ownvehicle.askmid.com/ it will show you make/model/colour and IF the vehicle is insured too.


Says it is an offence if the car is not hers.
#8
Says it is an offence if the car is not hers.


Use this site then...

https://www.mycarcheck.com/check/

Just type in the reg plate and it will tell you make/model, obviously don't pay for a check, but you can see simple details.
#9
thx, it is a MPV - so looks like the taxi - as expected - and not a van.
#10
ADZ1478
sounds like an attempt fraud, forget the insurance company, go to your local polce station


Totally agree with this one. It totally sounds like an attempt at insurance fraud, and as such, I'd go straight to the police with it. You'd also look better with the insurance company I reckon and they might take it a bit more seriously with a crime ref number
#11
She is certainly going to report it to the police.

A member on another forum did raise an interesting legal question though.

The solicitors letter requires insurance information under section 152 of the Highways act in relation to an accident with a named vehicle (taxi), There MAY have been an accident involving a van but there was never any accident with a taxi. Is she obliged to give the insurance details or involve the insurance company if she disputes any accident with said taxi ever took place?
#12
alternate
She is certainly going to report it to the police.

A member on another forum did raise an interesting legal question though.

The solicitors letter requires insurance information under section 152 of the Highways act in relation to an accident with a named vehicle (taxi), There MAY have been an accident involving a van but there was never any accident with a taxi. Is she obliged to give the insurance details or involve the insurance company if she disputes any accident with said taxi ever took place?


She may not be obliged to contact the third party insurers but her policy states she should report all incidents to them and pass on any legal documents in relation to a claim whether she disputes it or not. so as such she is obliged to pass on the letter to her insurers.
#13
kidcat
She may not be obliged to contact the third party insurers but her policy states she should report all incidents to them and pass on any legal documents in relation to a claim whether she disputes it or not. so as such she is obliged to pass on the letter to her insurers.


You might be right - I was just kicking that around as an idea out of interest.

My advice will be to file a police claim and leave it to the insurance company. Up to her then.


Thx all.

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