Champ73

New Member
Joined
Oct 31, 2019
Messages
1
Hi there. My mother was involved in an accident with an insured of a certain commercial insurer. There was a wealth of witnesses, some having had to chase the man down as they thought that he was making a run for it.
They rejected my mother's third party claim on the basis of her being at fault. They said that even though he had overtaken three cars in the lane of on coming traffic, my mother should have kept a lookout. The cited a case law supporting this only in the case that the two cars were following each other and in my mother's case she had satisfied herself enough that following traffic had heeded to her intention to turn right because traffic had halted behind her.
I complained to the consultant who then told me that it didn't matter how many cars their client had to overtake on a single carriageway, my mother should have anticipated that happening and should have been on the lookout.

I had to dig around the internet to find the appropriate people to complain to as the consultant I was dealing with made it seem that the next was legal action in every interaction with her. I included their head of everything that I could find on the good old interwebs.

They reviewed the case after I submitted a complaint to SAIA only to come up with the most bizarre of conclusions.
They claimed that their client now maintained that he was directly following my mother and that she had not indicated making the right turn. They also claimed that all parties had agreed that the incident had happened around a traffic circle. I responded by stating that the new version was clearly fabricated because the incident location does not have a traffic circle, that if it had happened around a traffic circle then both incident descriptions instantly become improbable because one does not simply turn right in a traffic circle and finally that we had never mentioned a traffic circle let alone agreed to there having been one at any point in our communication.

Shortly after that their head of liabilities tries to call me, but I was not available at the time. She then sends an email and includes my employer in the email!!!! I must disclose that my employer is also an insurer, but I am failing to see a reason why that happened?
The third party has been kind enough to offer to pay for the damages out of pocket meaning that I do not have to deal with their insurer, but I really do feel like taking the matter further with regulatory bodies. They lied and tried to bully me away. Surely there should be some recourse somewhere.
 

Jet-Fighter7700

Honorary Master
Joined
Mar 12, 2008
Messages
31,618
name and shame the insurer, make it public knowledge what they have done.
otherwise not much one can do to an insurer,
unless your a lawyer that is.

insurance companies WILL generally use any trick in the book to make sure they reject claims.
EVEN with a broker involved, it will just make the process slower.
 

Lupus

Honorary Master
Joined
Apr 25, 2006
Messages
50,976
This is why I keep saying, you do not ever, ever do a third party claim, use your own insurance and let them fight it. Now you're up a creek without a paddle.
 

Craig_

Honorary Master
Joined
Feb 22, 2016
Messages
26,906
Hi there. My mother was involved in an accident with an insured of a certain commercial insurer. There was a wealth of witnesses, some having had to chase the man down as they thought that he was making a run for it.
They rejected my mother's third party claim on the basis of her being at fault. They said that even though he had overtaken three cars in the lane of on coming traffic, my mother should have kept a lookout. The cited a case law supporting this only in the case that the two cars were following each other and in my mother's case she had satisfied herself enough that following traffic had heeded to her intention to turn right because traffic had halted behind her.
I complained to the consultant who then told me that it didn't matter how many cars their client had to overtake on a single carriageway, my mother should have anticipated that happening and should have been on the lookout.

I had to dig around the internet to find the appropriate people to complain to as the consultant I was dealing with made it seem that the next was legal action in every interaction with her. I included their head of everything that I could find on the good old interwebs.

They reviewed the case after I submitted a complaint to SAIA only to come up with the most bizarre of conclusions.
They claimed that their client now maintained that he was directly following my mother and that she had not indicated making the right turn. They also claimed that all parties had agreed that the incident had happened around a traffic circle. I responded by stating that the new version was clearly fabricated because the incident location does not have a traffic circle, that if it had happened around a traffic circle then both incident descriptions instantly become improbable because one does not simply turn right in a traffic circle and finally that we had never mentioned a traffic circle let alone agreed to there having been one at any point in our communication.

Shortly after that their head of liabilities tries to call me, but I was not available at the time. She then sends an email and includes my employer in the email!!!! I must disclose that my employer is also an insurer, but I am failing to see a reason why that happened?
The third party has been kind enough to offer to pay for the damages out of pocket meaning that I do not have to deal with their insurer, but I really do feel like taking the matter further with regulatory bodies. They lied and tried to bully me away. Surely there should be some recourse somewhere.

Outsurance, King or Budget?
 

Hamster

Resident Rodent
Joined
Aug 22, 2006
Messages
42,928
Pfft, I'll name and shame an incident we were involved in.

My wife was stuck in a queue on Grosverner. Some dumbass teenager on an orange scooter was driving past the cars and had an attitude/altercation with the car behind her. Pointed his finger at the guy and lost control bumping into the back of my wife's car.

We pay the excess to get it fixed. He told his insurance, Outsurance, that my wife swerved in front of him. It's physically not possible because she would've been in oncoming traffic and he would've hit her car in a different place.

Outsurance has tried to phone my wife once or twice asking vague questions. First they don't tell you who is calling and you have to repeatedly ask them.

I've written off the excess which we should technically be paid back but I do hope this kid and his parents who are lying to the insurers end up with great misfortune one day.
 

ProfA

Honorary Master
Joined
Jul 15, 2008
Messages
13,408
Maybe I missed it, but why was the OP's employer included in this mess?
 

Pitbull

Verboten
Joined
Apr 8, 2006
Messages
64,307
Wait, your mother has insurance right?

If so, hand it to them, not her problem. No insurance, well ouch, school fees...
 

xrapidx

Honorary Master
Joined
Feb 16, 2007
Messages
40,312
I'm more interested in how they copied in your employer, unless you used your work email address? Surely that's some sort of privacy invasion - making your employer privy to your private life.
 
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