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andygenders
Newbie


Joined: 02 Sep 2015
Posts: 36


2002 Porsche 996 Carrera 4S

PostPosted: Sat Apr 29, 2017 3:09 pm    Post subject: insurance accident Reply with quote

thankfully not in my car, but was parked in carpark whilst wife was shopping in her car and a driver reversed into her car, admitted fault at the scene, took all the details etc , and then rang her insurance company to claim against his policy. thought all going well, then her insurance company rings back saying it was my fault, as i drove into him (not true, and he has independent witness to say it was my fault).

apart from wanting to rip his head off, thoughts !!!! what could i do.

there were no independent witness at the scene, so almost his word against mine.
 
  
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moorhouse
Montreal


Joined: 15 Apr 2013
Posts: 526
Location: Northumberland


PostPosted: Sat Apr 29, 2017 3:15 pm    Post subject: Reply with quote

Might be CCTV coverage of the car park which you could access??
Hope you get it sorted.
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andygenders
Newbie


Joined: 02 Sep 2015
Posts: 36


2002 Porsche 996 Carrera 4S

PostPosted: Sat Apr 29, 2017 3:16 pm    Post subject: Reply with quote

no cctv unfortunately,
 
  
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Alex
Le Mans
Le Mans


Joined: 06 Mar 2014
Posts: 17348
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Sat Apr 29, 2017 3:38 pm    Post subject: Reply with quote

Then you need to tell them your independent witness has just called you asking if you were ok after that bloke ran in your car and give them the details of your independent witness.

When something like this happens, always have your camera phone out.
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Alex
Le Mans
Le Mans


Joined: 06 Mar 2014
Posts: 17348
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Sat Apr 29, 2017 3:42 pm    Post subject: Reply with quote

Whatever happens, the best outcome you'll get now is knock for knock. Insurance companies don't bother fighting each other any more. Only fighting they do is with their customers when it comes to paying out time.
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rabbitstew
Hockenheim


Joined: 21 Aug 2015
Posts: 737



PostPosted: Sat Apr 29, 2017 4:11 pm    Post subject: Reply with quote

As above, unless you have a witness on your side the chances are at best you will end up with a 50/50 claim, at worse they will take the other guys witness as gospel and end up claiming everything off you. Sad
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Pip1968
Suzuka


Joined: 26 Oct 2009
Posts: 1205
Location: Blighty


PostPosted: Mon May 01, 2017 9:52 am    Post subject: Reply with quote

I think you either give in or take him to court and hope that his 'witness' folds rather than go to court.

Lidl or Waitrose car park Dont know

Horrible scum.

Pip
 
  
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paul987
Kyalami


Joined: 27 Feb 2015
Posts: 1907
Location: east mids


PostPosted: Mon May 01, 2017 11:17 am    Post subject: Reply with quote

There is some shitheads about nowadays isn't there.. nooo Was your wife's car stationary i.e. in the space in the car park? handbrake on ? If she was then it could only have been the other drivers fault.
I've known of this sort of thing being sorted out before by drawing a quick sketch of the position of the vehicles involved and the direction of travel of each.. a few photos of where it happen often helps your insurance company state your case Thumb
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FZP
Estoril


Joined: 18 Jan 2015
Posts: 3988
Location: Cheshire


PostPosted: Mon May 01, 2017 11:36 am    Post subject: Reply with quote

Reading this the other day has got me thinking that if this ever happened to me is that I'd get them to write down on a price of paper and asking them to sign it taking responsibility.
I'd go to court as well and hope for the fold of the witness. Good luck
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Alex
Le Mans
Le Mans


Joined: 06 Mar 2014
Posts: 17348
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Mon May 01, 2017 11:53 am    Post subject: Reply with quote

That's why a quick video clip as soon as it happens of all the surrounding area and scene of the accident is the way forward. Let him point out on the video where his witness is then.
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Disco
Estoril


Joined: 13 May 2008
Posts: 3997
Location: Hertfordshire

2010 Porsche 997 GT3

PostPosted: Mon May 01, 2017 12:12 pm    Post subject: Reply with quote

With any incident, the first thing to do is to start taking pictures - it reduces the likelihood of some chancer trying to take the pee if the first thing in their mind is that evidence has been gathered.

The other thing is of course that if anyone ever witnesses an accident - always stop and offer yourself up as a witness. If everyone did that then I am sure that there would be a lot less fraud in the car world and we would all be paying less for insurance... Question
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andygenders
Newbie


Joined: 02 Sep 2015
Posts: 36


2002 Porsche 996 Carrera 4S

PostPosted: Mon May 01, 2017 2:49 pm    Post subject: Reply with quote

whilst it won't stop it from ever happening again, i have fitted a front and rear dash cam to her car, just in case for the future.
 
  
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adirussell
Newbie


Joined: 01 Feb 2016
Posts: 30
Location: Manchester


PostPosted: Tue May 09, 2017 1:52 pm    Post subject: Reply with quote

It obviously sounds like its one the guys mates. Best thing to do is get the name of the witness from your insurance company and do a facebook search to see if there is a link between the guy that hit you and the witness. Chances are there will be, if so you can prove it's not an independent witness meaning his word doesn't stand for much but best of all it shows that the guy that hit you has lied about the fact he's stated his witness was independent.

I work on a counter fraud dept at a law firm and we do facebook searches all the time and it's amazing how thick some people are!!!

Good luck
 
  
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FRP
Albert Park


Joined: 30 Apr 2014
Posts: 1719
Location: Middlesex


PostPosted: Tue May 09, 2017 2:49 pm    Post subject: Reply with quote

Tell the swin35 that you will be hooked up to a lie detector and take it from there ?

I always have said if they connect me up, the truth will come out and then they will know. Why dont they do this more often

There are so many dishonest people in the world, it baffles me

They will get their come uppance believe me. When one does the ***** on someone else it will be returned at some point in time...i PROMISE u !

Feel for you

GOODLUCK
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Osh
Paul Ricard


Joined: 19 Nov 2012
Posts: 3047
Location: Bristol


PostPosted: Tue May 09, 2017 3:02 pm    Post subject: Reply with quote

Andy - it might be worth reporting this to the Police. At the end of the day what the two are engaging in is fraud.

I'd suggest you write down every single detail you can remember, what clothes were you wearing, what was the weather on the day, can you remember what other cars you were parked next to. The other 'witness' should know this.

Also, does the 'witness' have a mobile phone...?? If he has you can ask the Police to check the mobile phone records of which masts he was connected to at the time - if he was miles away you can prove he's lying and they could be charged with it...

Sorry to hear you are having problems with this - there are some utter scum about at times.

By the way if you were at a shop i'd suggest asking the shop manager about CCTV - the vast majority have it ... (she kids dont get sweets )



Osh
 
  
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911tom
Watkins Glen


Joined: 22 May 2012
Posts: 2069
Location: Buckinghamshire


PostPosted: Tue May 09, 2017 3:08 pm    Post subject: Reply with quote

I agree. Tell them that there was no witness and and repeat what really happened. Advise them that you will be speaking with your solicitor. Get a solicitors letter sent (won't cost much) stating intention to go to court. Get a police reference number. I'm sure we all have mates that would lie for us but not so sure they'd lie in court! The fear of that happening will make them fold.
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Zingari
Brands Hatch
Brands Hatch


Joined: 25 Oct 2009
Posts: 13156
Location: Cheshire

1993 Porsche 964 Anniversary

PostPosted: Tue May 09, 2017 3:43 pm    Post subject: Reply with quote

Osh wrote:
Andy - it might be worth reporting this to the Police. At the end of the day what the two are engaging in is fraud.

Also, does the 'witness' have a mobile phone...?? If he has you can ask the Police to check the mobile phone records of which masts he was connected to at the time - if he was miles away you can prove he's lying and they could be charged with it...


In an 'ideal world' this could be possible, but in today's world it's a non-starter given the lack of police and investigative resources for something that is well down the list of priorities. I suspect that most forces will have a policy where they will not 'investigate' damage only accidents (especially on a car park - even though in some circs it can be classed as a 'road') and you'll likely get telephone advice on the what to do.

It will be the insurers job to investigate the validity of any claim (that's what we pay for) and how much resource they put to it will be decided on how much it costs and whether it's easier and cheaper to pay knock for knock nooo If however the insurers do investigate matters and they find evidence of fraud they will likely not only black ball the insured party making it difficult for him to get insurance again but hand over what 'evidence' they have to the police. Whether or not it gets traction will be debatable unless they're involved in a 'crash for cash' type scam.

I'd see how the claim progresses based on presenting a very factual and detailed account of the incident to your insurer and if you've got legal cover you could try this approach.
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Alex
Le Mans
Le Mans


Joined: 06 Mar 2014
Posts: 17348
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Tue May 09, 2017 7:17 pm    Post subject: Reply with quote

They investigated mine when someone reversed into the front and cracked all the paint. They found some CCTV footage and then called round at the guys house. He swiftly came round to mine and paid for the respray.

The joys of living in the Ribble Valley. I very much doubt you'd get the same level of service in my neighbouring boroughs.
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Zingari
Brands Hatch
Brands Hatch


Joined: 25 Oct 2009
Posts: 13156
Location: Cheshire

1993 Porsche 964 Anniversary

PostPosted: Tue May 09, 2017 9:16 pm    Post subject: Reply with quote

alex yates wrote:
They investigated mine when someone reversed into the front and cracked all the paint. They found some CCTV footage and then called round at the guys house. He swiftly came round to mine and paid for the respray.

The joys of living in the Ribble Valley. I very much doubt you'd get the same level of service in my neighbouring boroughs.


Hand I suspect that's because he drove off from the scene. Failing to stop/report are serious RTA offences. However their intervention prompted payment but I doubt led to him being prosecuted given that reparation has been made Dont know
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