Car insurance doubled? Want to know where the money goes? Here's the shocking truth..

Paul_JJ

Member +
http://www.dailymail.co.uk/home/mos...ant-know-money-goes-Heres-shocking-truth.html



Wife, and I driving home. I notice a single occupant car undertaking me. It then pulls in front, and slams on the brakes. Because I was aware, and on the ball, I stopped without there being any contact. Nontheless we stopped into the police station to report what appeared to be dangerous driving. The police told us they had already had a call regarding the "accident". I invited the police to examine my car. Not a mark on it. End of story ! A week later, my insurance called me about the "accident" in which the NOW 4 ? occupants had all received whiplash injury, and the car was badly damaged. I told them the true story, and advised them to be aware that they were being defrauded. The insurance company still wanted to pay out. I objected, and returned to the scene. After asking at a few shops, one said they still had it on cctv. In fact they kept it because it was a "thrilling" near miss. I sent this evidence to the insurance, who still paid out. Why ? What's in it for them ?
- Dave, Sutton Coldfield, Birmingham. UK., 22/1/2012 02:03


Read more: http://www.dailymail.co.uk/home/mos...-goes-Heres-shocking-truth.html#ixzz1k9VvHPT9

I'm a motorcyclist and in 2009 a car-driver ran into the back of me on a busy dual carriageway. It was just a glancing blow and i managed to keep control of the bike. We pulled over and the guy became hysterical, refused to give me his details and refused to take mine. His car had one tiny tire mark on the front bumper and that was it. Luckily I videod the "damage" and his refusal to take my details. I actually videod myself reading them out to him. A few days later I then received a police letter saying "I'd refused to give my details" and also from a claims lawyer saying I owed £1000s as the entire front end of this guys car had been damaged. It was all completely malicious and took a couple of months to resolve. My insurance company did nothing to help me at all and just seemed to see the entire event as another way to milk more money from me despite the ludicrous and obviously false claim. I held out and eventually lost nothing.
- Dave, London UK, 22/1/2012 01:52


Read more: http://www.dailymail.co.uk/home/mos...-goes-Heres-shocking-truth.html#ixzz1k9Vxfn4H
 

ryan-11

Member +
I work in a bodyshop, we do alot of insurance work and my boss was telling me the other day, if you phone up your insurace company to ask about making a claim, the insurance company keep it on record even if u dont bother making the claim, this then effects your insurance renewal, they screw you over whenever they can.
 

Texx

Super Moderator
For the cost of a roadhawk it's worth having one. When an accident isn't your fault or someone is trying to have one over, having video footage coupled with GPS and G-Force data is almost invaluable.

The DC-1 is quite a good bit of kit, it automatically starts recording if you suddenly stamp on the brakes.
 

AdamB

Member +
I work in a bodyshop, we do alot of insurance work and my boss was telling me the other day, if you phone up your insurace company to ask about making a claim, the insurance company keep it on record even if u dont bother making the claim, this then effects your insurance renewal, they screw you over whenever they can.

Exactly the same thing happened to me, I was mighty pissed off even though I didn't claim, no money even left the insurance companies pocket, yet they still pu up my premium by £140.
 

dac69er

Super Moderator
For the cost of a roadhawk it's worth having one. When an accident isn't your fault or someone is trying to have one over, having video footage coupled with GPS and G-Force data is almost invaluable.

The DC-1 is quite a good bit of kit, it automatically starts recording if you suddenly stamp on the brakes.

but that is the problem. we shouldnt have to pay out for something to prove our innocence, its stupid.
 

Texx

Super Moderator
we shouldnt have to pay out for something to prove our innocence, its stupid.

Totally agree with you, but there's plenty of chancer's about willing to try their luck and more often than not the insurance companies will opt to go 50/50 on a claim.
 

Paul_JJ

Member +
The insurance is really expensive and in case of the accident the Insurer will do everything possible not to pay out! In my opinion the premiums also go up when people drive cars in snow/ice with no experience whatsoever on summer tyres with no grip, then crash the car (often in to the neighbors car parked opposite the road), I think that is stupid. I've personally seen how taxi driver smashed in to the car in front of me, because there were ice around.... which will result in OUR premiums to go UP!

I know that it could be only one day a year, but hey you only need 1 crash to scrap your car...
 

turboloon

Member +
the soone r we get out of the whole human rights thing the better ,it was designed to help people in dire situations..but ye get all of societies scum using it to benifit there own ends...the u.k has gone to rack and ruin instead of looking after it's own we look after every other fucker and allow ourselves to be trampled on...the sooner we close the borders the better in my opinion
 

dac69er

Super Moderator
isolating ourselves will cause yet more problems.

the problem with immigration isnt the immigration itself, its the people who get let in and the sheer amount. it needs to be controlled, not stopped.

but things should not be blamed entirely on immigrants. there are plenty of british lazy bastard scroungers here already.


as with alot of things in the uk, it has been managed badly. very strange considering a disproportionate amount of workers are actually managers. considering this fact, you would have thought the management would be second to none wouldnt you ;)
 
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