Here's a shortish version of whats been happing to me so far........
November 2005
Guy crashes into the front of the golf, (nice genuine guy) admits liabilty gives me his phone number and address. Phones me back the next day to tell me that its a company car and his boss will sack him if he finds out that he's used the car when he shouldnt have been, so could he pay for the damage. i agree to do this as its nearly crimbo and dont want to cause him probs.
I got a quote got back to him and he said give me a few days to get the money. Left it a few days and then phoned him back, still no money. I said that the garage would accept credit card but he said he didnt have one and didnt know anyone who would lend him the money. By this point 2 weeks had passed and my car still hadnt been fixed and i didnt have any money from him so i decided to go through the insurance.
December 2005
Paid my ?275 excess and car was repaired.
January 2006
Still no progress with claim
February 13th 2006
Phoned my insurance company to find out when i'll be getting me excess back. They inform me that the 3rd party's boss (policy holder) (WHO TURNS OUT TO BE THE BLOKES DAD!!) has phoned my insurance company to tell them that his son wasent insured on the car and he left the country at christmas and not heard a word from him so i wouldnt be ablr to claim on his commercial policy. (Bit stange as the bloke who crashed into me had wife kids and house and to leave the country at short notice seems bizarre to say the least). My insurance company have taken the BLOKES DADS version of him not being insured as gospel so where going to go through the motor insurance beura to claim their costs back and i would LOSE my ?275 excess.
Phoned his insurance company today!!
I phoned the third partys insurance company to find out if the person in question was insured. They told me that they had been notified of a claim in november and had received details but the third party had requested that he would deal with the claim and pay for the repairs himself instead of going through his commercail car policy. COMPLETELY DIFFERENET TO WHAT HE TOLD MY INSURANCE COMPANY!!
I asked the third patys insurance company if the guy who crashed into me was insured on the particular day in question and they said he was!!
So ive got back in touch with my insurance company to tell them what ive managed to find out and they have been in touch with his insurance company again and are sending him a letter giving 14 days to pay up or they will go through his insurance.
Now a few major points to take into account!!............
I trusted the guy. He lied to me about his boss sacking him. His boss is his dad for gods sake!!!
I gave him 2 weeks to pay up....... he didnt pay up!!
Now his dad is lying to my insurance company claiming his son has left the country and he wasnt insured on his policy to get out of a claim on his commercial car insurance policy
Why the hell are my insurance company giving this T*at a further 14 days to pay up????? id just go through his insurance company anyway as he's already tried defrauding me and my insuarnce company!!!! (hopefully it will put his premium up by loads)
Would all this lying by the policy holder be classed as fraud???
To sum it all up ive been bitten b4 by giving people the benefit of the doubt,....... so my advice to you all is always go through your insurance as there are alot of nasty theiving lying scum out there!!
November 2005
Guy crashes into the front of the golf, (nice genuine guy) admits liabilty gives me his phone number and address. Phones me back the next day to tell me that its a company car and his boss will sack him if he finds out that he's used the car when he shouldnt have been, so could he pay for the damage. i agree to do this as its nearly crimbo and dont want to cause him probs.
I got a quote got back to him and he said give me a few days to get the money. Left it a few days and then phoned him back, still no money. I said that the garage would accept credit card but he said he didnt have one and didnt know anyone who would lend him the money. By this point 2 weeks had passed and my car still hadnt been fixed and i didnt have any money from him so i decided to go through the insurance.
December 2005
Paid my ?275 excess and car was repaired.
January 2006
Still no progress with claim
February 13th 2006
Phoned my insurance company to find out when i'll be getting me excess back. They inform me that the 3rd party's boss (policy holder) (WHO TURNS OUT TO BE THE BLOKES DAD!!) has phoned my insurance company to tell them that his son wasent insured on the car and he left the country at christmas and not heard a word from him so i wouldnt be ablr to claim on his commercial policy. (Bit stange as the bloke who crashed into me had wife kids and house and to leave the country at short notice seems bizarre to say the least). My insurance company have taken the BLOKES DADS version of him not being insured as gospel so where going to go through the motor insurance beura to claim their costs back and i would LOSE my ?275 excess.
Phoned his insurance company today!!
I phoned the third partys insurance company to find out if the person in question was insured. They told me that they had been notified of a claim in november and had received details but the third party had requested that he would deal with the claim and pay for the repairs himself instead of going through his commercail car policy. COMPLETELY DIFFERENET TO WHAT HE TOLD MY INSURANCE COMPANY!!
I asked the third patys insurance company if the guy who crashed into me was insured on the particular day in question and they said he was!!
So ive got back in touch with my insurance company to tell them what ive managed to find out and they have been in touch with his insurance company again and are sending him a letter giving 14 days to pay up or they will go through his insurance.
Now a few major points to take into account!!............
I trusted the guy. He lied to me about his boss sacking him. His boss is his dad for gods sake!!!
I gave him 2 weeks to pay up....... he didnt pay up!!
Now his dad is lying to my insurance company claiming his son has left the country and he wasnt insured on his policy to get out of a claim on his commercial car insurance policy
Why the hell are my insurance company giving this T*at a further 14 days to pay up????? id just go through his insurance company anyway as he's already tried defrauding me and my insuarnce company!!!! (hopefully it will put his premium up by loads)
Would all this lying by the policy holder be classed as fraud???
To sum it all up ive been bitten b4 by giving people the benefit of the doubt,....... so my advice to you all is always go through your insurance as there are alot of nasty theiving lying scum out there!!