Any car insurance claims experts out there?

[LindaLa]

A couple of months ago, I was driving (alone) out of a supermarket car park.
Car comes up behind me bibbing horn and flashing lights, I went around corner, out of traffic, and man gets out saying I hit his car.

He was insisting on my confession and details so we could sort it.

I refused as there was no incident.

He called the police then hung up when they wouldn't come and told him to go through insurance.
I asked to talk to them but he hung up.
I called the police to check I was right to refuse my details and check I could leave. They did so I left.

I phoned my insurance in the morning to tell them what happened and make it clear there was no contact.

Now, 10 weeks (ish) later a claim for personal injury is put in.
Nothing for a car claim.

My insurance are sending someone round to assess my car and take my statement.

It's a passenger not the driver making the claim. His partner was in rear of car.

Is this standard practice?
Do I need to be concerned?
My anxiety is through the roof even though I know there was no accident.

What about going back to the supermarket and check for camera's and then taking down the Camera operatives details and passing to your insurer?

What injury are they claiming?

How would he know who your insurer is?

I don't know what injury.

Apparently CCTV gets taped over on a fairly regular basis and the police have to request it!

Just seems odd there's no car claim but a passenger claims injury?

When I got out I took drivers picture and pictures of the car.
After talking to my insurance I took and sent pics of my car to my insurance sent the pics of his too.

@Palominoo

Through my number plate I suppose?

This is common they will check your car for any damage and look for signs of any recent repairs it's standard in defending this kind of claim

I'm no insurance professional, but I think it's fairly glaring that this is a scam.

Scam.
The only person you should be talking to is your own insurer.
You phone them using the number on your official paperwork.

Yes it’s standard practice for your insurers to come out and check your car. They need to do this so they can refuse to pay the Claim from the other party.

There are a lot of fraudulent claims for personal injury and this has all the hallmarks of a scam.

You have done the right thing to inform yoru insurers straight away after the incident and to take the photos. You sound very sensible and level headed.

Please try not to worry, you’ve done nothing wrong.

I’m sorry this has happened to you.

I would also phone your insurance company to confirm it definitely is them coming to inspect the vehicle

It's a scam. Just tell the insurance it looked to you as though the passenger had no seatbelt

Thank you all.
My insurance phoned me to let me know the assessor would be phoning me and the company name.
So not worried there and won't be alone when he arrives.

Even the insurance have said they will deny anything.

Fake claim happened to my neighbour and she had to pay, so I learnt my lesson then.

Take photos and give your insurance too many details!

People are bastards.

They are tightening up on these scammers your insurance will support you through this

Are you sure it was your insurers who phoned you?

@endofthelinefinally

Maybe I'll call insurers to make sure.
Thanks

Your insurers will always give you a reference number and a named handler. If the person who called you didn't give you a long reference number, be very suspicious.

Are you in the ROI OP?

@IM0GEN

UK

I just wondered from something you said. Doesn’t matter.

Just to reassure you - the other party won’t have tracked you down through your registration number. They will have put in a claim to their own insurers and they will have contacted your insurers . They have a database they can all acesss. That bit is quite legit.

Is it a loss adjuster from the other party’s insurer or a loss assessor (who works for neither party’s insurer but is hired by the other party directly )?

It’s it’s the former, , then they will have no more wish to pay out on a fraudulent claim than your insurers would . So they are not trying to catch you out or anything like that - just to establish the facts, to see if they have any liability.

My car was written off last year whilst parked outside my home. The damage was over £13000. My insurance company weren't remotely interested in examining the other car even though there was an independent witness who was passing who took a note of the registration details and even though I was told they would.
Other driver denied it, and my insurance company said it would be harassment if they continued to contact him/her
They just paid me, even though I am still out of pocket (excess etc).
I'd be surprised they inspect your car to be honest.

Personal industry claims can be for a lot more than 13k. They do more investigation for higher value claims.

It also depends on the chances of recovery ( your insurers getting the money back from someone else ). The probably think that the odd of identifying the other driver are low in your case needmorespace.

Assessor came yesterday.
Gave me statement of what (didn't) happen.
He is not too concerned, sadly seems like this is a usual thing.
Even if the actions of the other driver weren't questioned, the road markings prove he would've been in the wrong and it was a private road.

Thanking you all again for your advice and wisdom

I asked assessor if I needed to worry and he said no.

Now if someone could tell my anxiety that...