Claim upheld without any investigation

[gentle]

Hello, I have had this really bad experience where in my car insurance company upheld claim from another party that my wife, while reversing the car, hit his car and that his sensors and other things broke down. My car on the other hand is spotless. Not mark anywhere.

 

I dont want to dispute if there was any accident or not, but even so the insurance company accepted the claim without any investigation. They accepted that there indeed was an accident based on balance of probability that I was present at the time/place of incidence. No further investigation at all.

 

As far as I think, there may have been an incidence but only very minor. My car is spotless and that makes me believe that the accident, even if it occured, must have been minor. The claimant is only using this as an opportunity to get his other broken items fixed, all at my cost.

 

What are my chances if I went to Ombudsman?

Does the insurance not have to do further investigation like whether say bumber of my car can even reach the sensors of his car?

What is the general protocol.

Do insurance companies have to carry out such investigation and produce some report, even if preliminary.

If not then anyone can come and claim a world from me, even if I am not genuinly laible for it.

[unclebulgaria67]

Does not really make any difference, whether third party has claimed £500 or £5000, it is still a fault claim against your Insurance record.  So no point complaining or questioning how your Insurers dealt with the claim.  It won't reduce your premium or lead to any compensation, even if the Insurers just accepted the evidence the third party Insurers provided.

 

 Insurers should have made contact with you or you should have reported the incident, giving full details of what happened.  And if there was enough doubt about the extent of the damage the third party was claiming, your Insurers should have at least asked questions.  But if the claimed amount was less than a certain threshold value, it may not be their practice to spend too much on what they see an unnecessary administration.

 

No the Insurers don't have to produce investigation reports or involve you in the claims process, other than ask you to report the basic accident details, at the beginning of the claim process.

[gentle]

Thanks for the reply, UncleBulgaria.

 

Fine, if it does not matter the claim is for $500 or £5000. I get that point.

 

I basically want to dispute the whole fact that an accident happened in the first place. They said that since my description of the event and of the claimant is same, they upheld the claim.

 

What had happened was that on the day of supposed incidence, this gentleman walked to my wife and said that she hit his car while reversing. And this is what I said to the insurance that the claimant said this.

 

The claimant, if he has to cook up a story, naturally he will have the description of context of incidence. So matching the desciption of supposed incidence cannot be good enough. There must be some physical evidence of the incidence, which will be some sort of mark, scratch or smudge.

 

Without any physical evidence that prooves the incidence, the claim has been upheld.

 

Edited June 10, 2020 by gentle