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The AA Not honouring no claims bonus following false allegation


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I'm writing on behalf of a colleague who was recently falsely accused of hitting a pedestrian when they were leaving their place of work.

The initial incident happened on day 1. The pedestrian walked in front of another person's car, while not paying attention to where they were going (using MP3 player) the person braked, however they did impact with the bumber. They got up, spoke to the driver, who identified themselves as working here, said they were ok and continued on their way.

 

The folloowing day they returned with a loose description of the person that hit them, asking for names and car registration details. The person was wrongly identified.

 

The pedestrian then went to effectively blackmail my colleague, demanding £400 or they would lose their no claims bonus.

 

Having no knowledge of the incident, they refused.

 

The pedestrian took her registration details, and solicited the help of one of the no win no fee accident claim companies in order to lodge a claim for damages. This is despite the car being a different make, model and colour to that which was involved in the accident.

 

My colleague's insurance company, The AA, called her to find out more details.

 

After suffering stress because of the claims against her, the member of staff who had been involved in the incident came forward, saying that they were unaware of any proceedings and considered it to have been a near miss. They have since handed the investigation details to their own insurance company who are investigating the claim as they believe the damages for injury are false. this investigation is currently ongoing.

 

The AA have since wiped my colleague's previous 5+ year no claims bonus, regardless of the fact that the allegations were both false, and the correct person had come forward. Information that has been supplied to them. Her insurance is due to be renewed at the end of this month, and is currently at an amount she cannot afford, of £3000.

 

Is there any recourse that my colleague can take against her insurance company, both because of the stress caused and to secure her no claims bonus?

 

Many thanks,

 

Kev

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Normally for a claim incident, you lose 2 years NCD while the claim is pending and not the full NCD that is shown. When the claim is closed as not fault or removed, the NCD is then reinstated with the premium adjusted.

 

Suggest that the contact the AA's customer services manager/director to register an official complaint about how this has been dealt with, threatening to involve the media. They can go to the FOS, but they may take several months to deal with it and may refer it on to the AA, if the AA have not been allowed 2 months to look at any complaint already made.

 

I wonder whether the Police would investigate any possible criminality on the part of this pedestrian. If a report was made to the Police about blackmail through a false accusation, I would have thought that they would have to investigate, as they could not really say it was a civil matter. If the Police then reported that this pedestrian had made a mistake in identifying the wrong car originally, perhaps they can confirm this and this can be passed to the AA. I suspect that the AA are wanted more evidence that your colleague was definitely not involved.

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To my knowledge the Police were not informaed of the "Blackmail" / Out of insurance settlement and have not been involved in the incident at all.

 

Think they should. The Police might ask why it was not reported at the time. If you think about this, if someone approach you, saying give us £400 or we will make a note of your car registration and make a false accident report to your Insurers, what would you do. You knew that you had not been involved in any accident, but was being asked for £400 by a complete stranger. I bet the Police will argue that this is a civil matter, but this relates to blackmail and therefore your colleague may need to make a complaint to a senior officer, if they refuse.

We could do with some help from you.

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I'm writing on behalf of a colleague who was recently falsely accused of hitting a pedestrian when they were leaving their place of work.

The initial incident happened on day 1. The pedestrian walked in front of another person's car, while not paying attention to where they were going (using MP3 player) the person braked, however they did impact with the bumber. They got up, spoke to the driver, who identified themselves as working here, said they were ok and continued on their way.

 

The folloowing day they returned with a loose description of the person that hit them, asking for names and car registration details. The person was wrongly identified.

 

The pedestrian then went to effectively blackmail my colleague, demanding £400 or they would lose their no claims bonus.

 

Having no knowledge of the incident, they refused.

 

The pedestrian took her registration details, and solicited the help of one of the no win no fee accident claim companies in order to lodge a claim for damages. This is despite the car being a different make, model and colour to that which was involved in the accident.

 

My colleague's insurance company, The AA, called her to find out more details.

 

After suffering stress because of the claims against her, the member of staff who had been involved in the incident came forward, saying that they were unaware of any proceedings and considered it to have been a near miss. They have since handed the investigation details to their own insurance company who are investigating the claim as they believe the damages for injury are false. this investigation is currently ongoing.

 

The AA have since wiped my colleague's previous 5+ year no claims bonus, regardless of the fact that the allegations were both false, and the correct person had come forward. Information that has been supplied to them. Her insurance is due to be renewed at the end of this month, and is currently at an amount she cannot afford, of £3000.

 

Is there any recourse that my colleague can take against her insurance company, both because of the stress caused and to secure her no claims bonus?

 

Many thanks,

 

Kev

 

Hello CarefulKev, we'd like to address this. Please ask your colleague to email the details to chat@theaa.com including full name, address and policy number with Reference FOR43479. Kind Regards, The AA

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Thanks DH I will ask her to do just that. She doesn't have internet usage herself, hence why I am posting on her behalf, but I'm sure we can sort something out.

 

Update: she has sent off details to the email address as requested and is awaiting a satisfactory response.

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  • 2 weeks later...

Final update on this RESOLVED thank you all for your advice and assistance.

 

The incident has been recorded on her file as a case of wrong identity and her no claims is intact.

 

Unfortunately she will be leaving The AA as her renewal quote was over two thousand, although this appears to be as a result of where she lives rather than her personally.

 

I do think it is alarming that a person could hold you to ransom like this though, I guess the insurance companies do not follow "the innocent until proven" mindset.

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Wow. Two thousand? WHat part of the country does she live in? I could insure a 3 litre sports car for much less than that, and i live in a major city.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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