My husband drives a two door company car in UK and has asked for a statement so that we can insure the car we are buying for ourselves. They have written that a claim was made against him because something thrown from this car hit a car behind us. To start with we do not throw things out of windows when driving, there is no roof rack, and the car is not missing any part. Looking at our calendar, the date was a Sunday when we were at home with our small grandchildren and did not go anywhere. Also the firm never informed us of this claim which was made over two years ago, nor did the police come to investigate our vehicle.
Surely one cannot claim against someone without their knowledge, otherwise anybody could take the number of a car on the road and accuse the occupants of throwing a projectile which damaged their car even though it is not true. I could understand if it were a truck or a van but not an ordinary car.
2006-11-15 13:44:55 · 9 answers · asked by WISE OWL 7 in Cars & Transportation ➔ Insurance & Registration
This is serious as it deprives us of our no claim status unjustly and elevates the premium we will have to pay to insure the car we are buying.
2006-11-15 13:52:52 · update #1
Have you asked to see a copy of this statement that they refer to? That would be the first thing I'd want to do.
As for claims, as you already probably know, a claim is usually made from one insurance company to another and in order for them to find out your details to make a claim, they would need to know this information. Sounds to me as if this is some kind of scam to me because as you have pointed out, they haven't got a leg to stand on!
Just one final thought, however, have you bought the car since that time they are saying this incident happened or were you already the owner(s) of it at that time? It's possible this is something that was happening to the owner of the vehicle at that time? If so then I'm sure that could be proved by Swansea as they would have the new log book registration details that you sent back to them after you purchased it.
Even all that aside, I'm sure that this is all very dubious and very suspicious so I wouldn't worry about it too much. You MUST see this claim however so you can decide what your next step is!
Good luck and hope it all gets sorted out soon.
2006-11-15 13:53:28 · answer #1 · answered by mancunian_nick 4 · 0⤊ 0⤋
This is the trouble with company cars, the insurance company probably settled the claim without disputing it and although it contacted your company there was no need to involve you.
As you were negligent and failed to build or maintain your own no claims which most people do by having a second car or hobby car, classic or sports for this purpose you will have to take the financial hit. I once lost a battery, the car hesitated then lurched forward, the battery hit the rear hatch, which opened, out went the battery and the hatch slammed shut, and the bloke behind ran it over! My pal lsot his spare wheel which I found in the road so these incidents do happen.
A further possibility is your company car had been cloned, provided the clone has no accidents or speed camera violations the police will never catch it, so a clone may have been involved but it is probabky too late to do anything now.
2006-11-15 22:08:08 · answer #2 · answered by "Call me Dave" 5 · 0⤊ 0⤋
Girl, I have been accused of TWO hit and run accidents, in states I've never been in. These were years apart, but even so...I was 'wanted' for a while. The 'witnesses' wrote down a license plate number incorrectly, and in the end...their version of the plate number matched my car...but it didn't match the make or model of my car so they dropped it. You need to get the report and see how they described the car. If your car is a blue ford, and they describe it as a red mustang...they'll have to remove that.
I don't know how UK laws go...but it sounds like someone is mistaken, or someone is trying to get some money for Christmas. It's their word against yours, and you may need to get the police report (if there was one), and demand a hearing. Put the burden of proof on the accusers.
2006-11-15 21:53:35 · answer #3 · answered by Lisa E 6 · 0⤊ 0⤋
It sounds like that ur car most likely flicked a stone lyin on the road an hit the car behind, it may have cracked there windscreen or something else but there's nothing they can do about this, u weren't to know, its happen to me twice now on my new car, but the car u have surpose to had hit prob is just sayin u threw something to claim, ur husband's company by rite should have informed him of the cliam, he should talk to his companys insurance company about the claim and try an get it sorted out.
2006-11-16 03:43:46 · answer #4 · answered by memegettingmarried 1 · 0⤊ 0⤋
I'm not sure how this could happen, how would anyone know who the insurance company was to contact to make a claim.
If it was reported to the police that something had fallen from your vehicle and caused damage to another vehicle then the police would have traced you via the registration authorites and the PNC (police national computer) , the would then maybe have needed your insurance details, which I suppose could have been passed to any concerned party.
However this could not happen without your knowledge.
I think someone is not telling the truth, well not the whole truth
2006-11-15 21:52:57 · answer #5 · answered by Martin14th 4 · 1⤊ 0⤋
Surely the claim was made against the owner of the car, your husband's employer. There would be no reason for your husband to know about it.
It is possible that someone at the employer has put through a dodgy claim to get his 'mates' car fixed at no cost. Even so, it still isn't your car so I don't think there is much you can do about it.
2006-11-16 10:06:38 · answer #6 · answered by myownprivateroad 3 · 0⤊ 0⤋
other cars do throw thing and cvause damage to your car without you knowing it. i have had a broken head light from this anf i could have claimed damage but i never i'm sure the other car did not know they had damaged my car but you have a different story. sounds like some one had damage to their car and used your husband to file a claim on a car he did not damage. have your attorney write those people a letter and ask then to explain this and i think you will see them change their story.
2006-11-15 21:51:52 · answer #7 · answered by roy40372 6 · 0⤊ 0⤋
Yes
2006-11-15 22:41:32 · answer #8 · answered by George K 6 · 0⤊ 0⤋
contact your local police,then have an lawyer notarize a statement from you and your husband,,find out who did it,file a claim against them,for filling a false report,what ever else,sue them.get statements from your chrildren,,the company .do what ever you can,,
2006-11-15 21:58:39 · answer #9 · answered by tysgrandma99 4 · 0⤊ 1⤋