Quizzes & Puzzles0 min ago
What Can Be Done?
My daughter has just fond out that someone who lives closely has successfully made a claim on daughters car policy. This very antisocial neighbour (police frequently called to house, endless fights and drugs) accused my daughter of damaging her car when opening her door. (parking is communal and frequently heir cars park next to each other. Not only was this untrue but there was nothing to be seen on inspection of the supposed damage. How can a claim have been made and gone through with without my daughter's knowledge? Can this have been achieved solely by the use of her numberplate? This would affect her NCB as she has made one claim already. These neighbours were evicted from their previous social housing to spitting distance of my daughter's privately owned house but parking is a shared 8 car bay.
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This is relevant and interesting:
"Genuine situations
You could have had a minor bump with someone, pulling out of a car park or entering a roundabout. After inspecting both vehicles, perhaps you and the other driver agreed verbally at the time that there was no damage bad enough to claim anything. Yet you should have still taken key details, just in case (see further down - our handy "stick it in your wallet" list of what details you should ask for).
You think it's the end of the matter and go about your normal life (after having notified your insurer and telling them that no one wished to make a claim). If the other driver then changes his or her mind after driving home and uncovering more damage they hadn't spotted, they might decide to get in touch with your insurer and put a claim through. Your insurer might decide not to inform you at this point if they don't need to. "
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"Genuine situations
You could have had a minor bump with someone, pulling out of a car park or entering a roundabout. After inspecting both vehicles, perhaps you and the other driver agreed verbally at the time that there was no damage bad enough to claim anything. Yet you should have still taken key details, just in case (see further down - our handy "stick it in your wallet" list of what details you should ask for).
You think it's the end of the matter and go about your normal life (after having notified your insurer and telling them that no one wished to make a claim). If the other driver then changes his or her mind after driving home and uncovering more damage they hadn't spotted, they might decide to get in touch with your insurer and put a claim through. Your insurer might decide not to inform you at this point if they don't need to. "
https:/
From the same link:
If a Third Party makes a claim against you through your insurer, they don't need to contact you about paying your excess. Unless it's very clear that you might be at fault, and depending on the amount being claimed for, your insurer might settle the claim without telling you. Especially if it's not deemed worth the insurer's time to dispute a smaller claim where it's likely to be a 50/50 shared responsibility. The other driver might then put in an additional claim for personal injuries like whiplash, and again get it settled without your knowledge. When your policy is due for renewal, you could find out claims have been logged against you, potentially increasing your premium.
If a Third Party makes a claim against you through your insurer, they don't need to contact you about paying your excess. Unless it's very clear that you might be at fault, and depending on the amount being claimed for, your insurer might settle the claim without telling you. Especially if it's not deemed worth the insurer's time to dispute a smaller claim where it's likely to be a 50/50 shared responsibility. The other driver might then put in an additional claim for personal injuries like whiplash, and again get it settled without your knowledge. When your policy is due for renewal, you could find out claims have been logged against you, potentially increasing your premium.
Stargazer, there is sadly nothing your daughter can do.
Yes, it would have been achieved solely through the number plate. The neighbour would have claimed that your daughter caused the damage with her car door and passed on the registration number to her insurance company. From there, the insurance company can get all the details needed to process the claim - there is a chance that both parties had the same insurance company, or companies under the same umbrella.
It's annoying and frustrating but there really is nothing to be done.
Yes, it would have been achieved solely through the number plate. The neighbour would have claimed that your daughter caused the damage with her car door and passed on the registration number to her insurance company. From there, the insurance company can get all the details needed to process the claim - there is a chance that both parties had the same insurance company, or companies under the same umbrella.
It's annoying and frustrating but there really is nothing to be done.
How can she? These neighbours are unscrupulous. So it is her word against theirs. They made a claim and either actually had some work done on their car or, as I like to imagine, got a ficticious "quote" and pay out to some other person in their coterie so they got a cash "reward" for their crime. It would have been a low figure probably so insurance company did not query it.
