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fraudulent claim against me


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hi

my problem in a nutshell is my vehicle was hit in the rear while it was parked, when i confronted the driver we had an argument and the police were called no offences were committed and the police left after me and the other driver exchanged names and addresses. A month or so later i received a claim for neck injuries to the driver and his 2 passengers for approximately £20,000 for an accident that he said i drove into the rear of him which was totally false, i have witnesses which include the police officer who attended to the fact that the other driver hit my parked unattended car, i have lost my no claims bonus and i applied for a job as a driver which i did not get because of this pending claim, my insurance company have tried to contact the other driver who has not answered for a number of months and when i spoke to my insurance company i was informed that the other parties insurance company does not have the full story i.e they have not been told that he hit my vehicle and i have witnesses to prove that, i am at a loss because i have been told it can take 3 years for the claim to close if the other driver does not answer any of the correspondence he receives.

any advice please

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First of all, it is extremely rare for a case to take 3 years. Most insurers decide to pay out after 6 months if they do not hear anything. The only time cases drag on for so long is where there is a dispute and delays in correspondence.

 

I cannot see the TPs argument standing - saying you hit him in the rear should mean he has rear end damage - and how will he explain any front end damage? An inspector will soon reveal that.

 

As for witnesses, they should ideally be independant and stories can be verified / checked for fraud quite easily. The PC will not count as a witness as they did not see the incident. If however he has taken a statement then that will count.

 

With regards to injuries to passengers, they will soon be checked and easily discredited if there is any sign of fraud (such as non-esixtent passengers and checking previous claims).

 

There is nothing stopping you contacting the TP insurer and asking them to get a move on. They cannot simply wait for eternity for someone to respond. You might also want to contact your own insurer and point the same out.

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