Just a quick tip for everyone, based on a few experiences received recently. We’ve been dealing with a few motor claims, with denials by the other drivers the incident even took place, or worse still exaggerated damage claims or injury claims for 'passengers' that weren't even in the car.
Everyone gets upset, when either they can’t prove the incident, or worse still the feeling of being taken for a ride by a fraudulent third party. Damage to the other persons car suddenly is more extensive than you remember, all his 4 passengers have whiplash, but you recall the driver was on his own. Things like this ultimately cost the insurer much,much more than it should or could.
Cash for crash claims are rising, and ultimately, we all pay for those fraudulent claims in our premiums, with little defence or proof the insurer can use to protect you means very often it is cheaper for the insurer to pay the third party their claim than instruct solicitors to help defend you.
It just amuses us that with most people owning camera phones and quick enough to get a snap of the dog drinking from the toilet, or a baby with a potty on its head to post on Facebook, but in the event of an accident, nobody ever thinks to capture a few pictures that could prove invaluable.
If you are unlucky enough to ever have a collision, a few snaps showing both vehicles area of damage, road location, showing the cars positions along with a view of the road layout, parked cars etc, driver and passengers but most of all the other persons registration number can prove vital in proving your innocence.
I would even go as far as saying, this can be more important than a witness, all too often witnesses will happily give their details at the time, but a few months later, when the Insurer writes to them for their version, either become forgetful, or the most common scenario, is they completely ignore the letters they receive.
One last thing, obviously, only take snaps if it is safe to do so, and you won’t put yourself in a compromising position. The other guy may not be receptive to you taking photos of him or his car, so sometimes it may pay to do this quietly and slightly secretive. Just make a quick evaluation of the situation first to establish the best course of action.
The next thing to do, would be to report the incident to your insurers as quickly as possible. Claims costs can be drastically reduced if the insurers can make swift contact with the other person with their own offer to repair their car, and provide a hire.
Top Marques Insurance - 01543 401149
Member since: 14th May 2012
Hi,my name is Shan Budesha and I am the company director at Top Marques Insurance. I have 25 years insurance broking experience.I set up Top Marques Ins in 2003 to cater for my clients requirements to...