Telephone call from car insurance company.?

Question

I had a message on the answerphone earlier from my car insurers saying that I needed to phone them back regarding a collision with my car on 16th December(Saturday). I knew that I had not used my car on that day but phoned them back and they pointed out that they had been informed by a third party insurer that my vehicle had been involved in an accident in some shopping centre in Cardiff. It would take me 4 hours to get to Cardiff by car and this accident apparently happened at 3 pm. The advisor told me that they have alot of these incidents and it must be that the 3rd party has input an incorrect digit into the database when typing in the car registration.However, I still have to fill a claim form out saying that it must be an error and so on but I need to provide an alibi saying that my car had been on the driveway all day. My husband can't be the alibi, nor my parents (who were the only people I saw that day apart from my 5 year old). I am hoping that one of the neighbours can say

that the car never moved but if they can't, where do I stand? Getting a bit panicky about it even though I have a clean conscience. I have never even been to Cardiff and wouldn't know how to get there. Has anyone been in a similar situation and what was the outcome?

Answer 1

Write to them(not on the claim form) informing them that you were not in cardiff on that day and it is up to them to prove beyond reasonable doubt that you were This they will not be able to do. English law dictates you are innocent until proven guilty.

Answer 2

Ask them to come around and inspect your car. It will be obvious that it was not involved in a collision. There won't be any matching paint from the other vehicle. Also, the make, model, and year are all probably wrong -- and they should know that from their records.

A simple sworn statement that you were not driving the car in Cardiff on the day should suffice.

There is a good chance that someone is scamming you. Ring your insurance company directly at the number on your policy packet or insurance verification form. Do NOT ring the number that was left on your answerphone! They'll put things right straight away!

Answer 3

There is a question i would like to ask !
Where did a 3rd party Get your insurance detail`s from ?
Nobody could get your insurance detail`s in such a small space of time if the insurer`s of the 3rd party contacted Your insurer`s ( through your registration number ) They could not have done it so quickly , they have access to your car details only ! it does not tell them who the registered keeper is ! ( they have to contact the d.v.l.a or the motor insurance beuro to get this ) ( and beleive me they don`t rush )
You have to look at the fact that your car may have been doubled up ( a stolen car same colour / model as your`s ) and some one is using it in another part of the country .
You must contact the police and inform them what has happened and that you where not in cardiff that day ! ( the fact that you have done this will help you when it comes to your insurance ) Also take photo`s of your car to show there is no damage to it !
There is a strong possability that there will of been CCTV cameras operating in cardiff at that time .
Also if this person in the other car actually got out to speak to the 3rd party at the accident then that person could not possibly identify you !
It sound`s to me that you have been a victim of doubling up and the sooner you inform the police the better !
Your insurance company will act in their / your best interest`s so any thing they tell them they will act on . Tell them that you have contacted the police regarding the accident and the fact you were not in that area at the time and you welcome any inspection on your car to prove it has not been damaged ( there is test`s that can be done to tell if paint is original or freshly done )
But i am still puzzled as to how they got your detail`s ?
And why can`t your partner / parent`s be your alibi ? ( there is no law saying they can`t !!
In any event i would contact a solicitor for advice , but stick to your gun`s ................... Good Luck

Answer 4

This sounds suspiciously like a scam, someone claiming to be involved in a collision with your car, and hoping to cash in on your insurance. You will have to provide a good alibi or proof that your car was not at Cardiff on that day. Ask your neighbours, and explain what happened(or didn't happen), they may be able to help. I wish you luck.

Answer 5

I had the same situation.. i had to send reciepts along with my claim to the insurance company to prove that i wasn't me that was involved in the accident tha apparently happened in san antonio.. i live in houston.. luckily i was at the store so i could prove that at the time of the accident that supposedly i was involved in.. i had proof of my aliby.. and they investigated and everything was fixed within 3 business days.. good luck..

Answer 6

If you're not making a claim then you can ignore it.
But I would make the point to your insurer why you are not dealing with it. the terms of your policy mean that you must notify them if you are involved in an accident if you're not making a claim.

It's up to the third party to correctly identify the vehicle, and the driver if they wish to make a claim.

You don't have to prove you weren't driving, it's up to them to prove that your vehicle was involved in the accident.

Answer 7

Go with Bostonian on this. Sod their claim form, it's not your problem!
Sounds like someone's trying to stitch you up. Ring 'em on a number you know to be genuine, If it really was them tell them to come round and look at your vehicle to see it's not been involved in an accident.
It's up to them to prove your guilt, why should you put yourself out to prove your innocence?

Answer 8

tell them to shove off its up to them to prove you were in Cardiff.CCTV in carpark will get you off. Don't worry about it let them do all the investigating.No need to get people to lie for you

Answer 9

I'll be your alibi!