Strange letter regarding car insurance

[ben g]

My fiancée got a letter on Friday from her previous car insurance company, advising her to ring them as they had been notified that my fiancée's vehicle was involved in a collision last month.

I automatically assumed it was a scam as no such incident had occurred, and advised her not to give any banking details or sensitive data over the phone.

It turns out it appears to be genuine, but I'm still not 100% sure of it. She phoned Privilege twice to make sure it was.

Anyway, this 3rd party who have reported it to their insurance company, only gave the registration of my fiancée's vehicle, an approximate location (A13, which is about 30 miles long) and a time of 14:37, on 5th April.

They didn't provide their insurance company with my fiancée's name, address or telephone number, so their insurance have obviously done a check on the MIB to get the details of my fiancée's insurance company at that time.

Now, we're 99.9% certain my fiancee was actually in her workplace at the time given by the 3rd party. She has a fingerprint scanner in her work, so can easily get the log to prove this tomorrow, but will that suffice as evidence her car was parked in her workplace and that the 3rd party is clearly trying to scam insurance companies and my Fiancée?

They have also asked for photos of my fiancées vehicle to show there is no damage on it, which I have done today.

So yeah, it's obvious to us that this is a scam of some sort, but will the evidence above allow my fiancées insurance company to throw out this non genuine claim?

Edit: I appear to have typed fiancée about 100 times :lol: I just wanted it to be 100% obvious who I was referring to

 

[MACK]

Something certainly smells here. Why has this take 6 weeks to get to this early stage. Strange very strange! :thumbsdown:

 

[Mr Tidy]

Just a thought, but is it possible the other person has recorded the registration number of the car they were involved with incorrectly? Maybe digits reversed, or one out?

I'd ask your fiancée's insurer to get the other party to specify the make, model and colour of the vehicle involved.

 

[ben g]

Just a thought, but is it possible the other person has recorded the registration number of the car they were involved with incorrectly? Maybe digits reversed, or one out?

I'd ask your fiancée's insurer to get the other party to specify the make, model and colour of the vehicle involved.

All they gave their insurance company was the registration. No mention of vehicle manufacturer, model or colour.

Our vehicle has a private reg plate, so I would've thought this makes it a little less likely that they gave the incorrect reg, but you never know, I guess.

The only thing that concerned me was that the supposed incident happened on a road local to me. When I say local, I mean it is a major arterial road that passes close to our town. Other than that, nothing adds up :?

 

[Mr Tidy]

Oh, so a mixed up Reg. No. looks less likely but you never know.

But you're right, it is a concern that the alleged incident took place in your part of the world - if it had been the other end of the country you'd be relieved.

Hope you can get it sorted.

 

[noiseboy72]

Amazing the things people will do to blame other innocent parties...

Some friends of ours were sitting in their car, on their drive at home getting ready to depart, but had not started the engine yet. 2 cars collided right outside and then immediately went to help. Fortunately no injuries and both cars were able to leave the scene.

A week later, a police officer turns up at the door to question them about the accident and why they hadn't reported it or supplied their insurance company details.

Apparently BOTH other parties claimed that their car had pulled onto the road and caused the accident! They were no longer viewed as witnesses but as a contributer to the accident.

It actually went to court as they were prosecuted for careless driving and failing to report an accident. Fortunately they were found not guilty, but their insurance company still admitted partial liability, effectively accusing them of lying.

As you can imagine, even 15 years later they will never stop at the scene of an accident, just in case it happens again.

 

[mr wilks]

Could be another car running cloned plates matching your fiancee's :?

 

[Jembo]

Or maybe Ben g’s running two Fiancées

 

[Anonymous]

Or maybe Ben g’s running two Fiancées

Or both a fiancé and fiancée?

 

[MACK]

Or maybe Ben g’s running two Fiancées

Or both a fiancé and fiancée?

Nah, that's too expensive......there's a reason the word fiancee looks and sounds like finance. But one fiancee and "one bit on the side", now that's just about doable!

 

[ben g]

Or maybe Ben g’s running two Fiancées

I would need another mortgage to be able to afford that :lol:

 

[ben g]

Could be another car running cloned plates matching your fiancee's :?

This seems the most likely scenario, but haven't had any other letters such as parking fines, speeding tickets etc so far, so hopefully this isn't the case.

 

[ronk]

Years ago we were contacted about an Accident somewhere in the London are - at the time we were both at work in the North East - I reported to to the Police and was told not to worry as it happens all the time he said. The officer i spoke to said that it had also happened to him.

I told the insurance company that I had not been involved in an accident and nothing more was heard. Its scary that this can happen.

 

[buzyg]

As Ronk says. Make it clear neither you or your fiance were not involved in any way. With such scant information, from the claimant, it's hard to see them pursuing the issue.

 

[ronk]

For ref -the Insurance company who made the false allegations against us was Frizzell / LV

 

[ben g]

She's just informed me that she contacted her old insurance company this evening and told them she had sent photos of her unmarked car and evidence of her work time log, proving she was in work at the time of the alleged incident.

They then contacted this insurance company, who said that their party had phoned them to inform that they were stationary on a roundabout and apparently my fiancee tried to squeeze past and kerbed her alloy. No damage to the third parties vehicle, but they were just phoning to report the alleged incident.

Sounds very fishy, but as they have now said that no damage occurred to their vehicle (funny that), my fiancee's old insurance company have closed the investigation and labeled it as potential fraud.

Sounds like the third party got worried with the evidence we have and lost their bottle :lol: idiots!

Hopefully that's the end of it, but I somehow doubt it

 

[MACK]

She's just informed me that she contacted her old insurance company this evening and told them she had sent photos of her unmarked car and evidence of her work time log, proving she was in work at the time of the alleged incident.

They then contacted this insurance company, who said that their party had phoned them to inform that they were stationary on a roundabout and apparently my fiancee tried to squeeze past and kerbed her alloy. No damage to the third parties vehicle, but they were just phoning to report the alleged incident.

Sounds very fishy, but as they have now said that no damage occurred to their vehicle (funny that), my fiancee's old insurance company have closed the investigation and labeled it as potential fraud.

Sounds like the third party got worried with the evidence we have and lost their bottle :lol: idiots!

Hopefully that's the end of it, but I somehow doubt it

Wtf gets into people! Crazy!

 

[MACK]

She's just informed me that she contacted her old insurance company this evening and told them she had sent photos of her unmarked car and evidence of her work time log, proving she was in work at the time of the alleged incident.

They then contacted this insurance company, who said that their party had phoned them to inform that they were stationary on a roundabout and apparently my fiancee tried to squeeze past and kerbed her alloy. No damage to the third parties vehicle, but they were just phoning to report the alleged incident.

Sounds very fishy, but as they have now said that no damage occurred to their vehicle (funny that), my fiancee's old insurance company have closed the investigation and labeled it as potential fraud.

Sounds like the third party got worried with the evidence we have and lost their bottle :lol: idiots!

Hopefully that's the end of it, but I somehow doubt it

Wtf gets into people! Crazy! Doesn't explain how all this supposedly happened while your fiancee was at work. They should do them for attempted insurance fraud

 

[Mr Tidy]

How weird! Still it's just good to see the right outcome.