How can they lie?!

[youvegottobekidding]

A few days before Xmas, a lady reversed into my husband. He was stationary behind her on the road that was adjacent to a car park, she had stopped then proceeded to reverse, my husband beeped his horn to warm her as he couldn't reverse as he had traffic behind him but she continued to reverse and hit his car, causing damage.

When he got out of the car, he asked what she thought she was doing & she apologised, admitted fault & said her rear window was misted up! Truth was she had overshot the 'in' junction for a parking bay & wanted to back up for it! Of all the idiotic things to do you just don't reverse back on a busy road, especially if your window is misted up?!!

Anyway at first she said suggested that my husband get a quote for the damage & send the bill into her, but he said no & to do it through insurance. Because othe holidays, it's taking ages to go through & it now transpires that she is saying he has ran into the back of her & she's claiming for personal injury! Husband has taken lots of photos & asked shopping centre (as it near their car park) for any cctv footage. But it's just the sheer lying of the woman! We're fully comp so our car will get repaired eventually but while she isn't admitting liability, we could be looking at £150 excess! I don't know how people can lie & sleep at night, but ghats just me. I know people make mistakes, we're only human but really, just how do some people have the nerve.

Reading about all these liars, I'm seriously thinking I need to get me a dash cam. Do you need to buy two though? One for the front and one for back? It seems very common that people say they get reversed into so perhaps a back one only would make more sense.

We've just put a dashcam in - heard too many of these stories.

thenightsky Reading about all these liars, I'm seriously thinking I need to get me a dash cam. Do you need to buy two though? One for the front and one for back? It seems very common that people say they get reversed into so perhaps a back one only would make more sense.

I have a front facing one only and that is a lot of peace of mind. Even if you were rear-ended, the cam would capture it just from what you were doing and the impact etc. Mine shows speed, GPS co-ords, date, time etc
so it is pretty solid evidence.

But Nextbase (and probably others) do also offer a all in one unit which goes by your rear view mirror and looks out the front and the back (so obvs you can't have any obstructions in the line of sight to rear windscreen). A FB group I am on routinely offers 25% off codes too, so that's also worth a google before purchase.

^^ When I say I have a front facing one, I mean that is because that's where I point it. It's held on a suction mount and has a long cable so you can position and point it any direction you like!

I am positive that someone has told the poor woman that rear accidents are usually fault of the rear car and now she is doing everything in her power to get away.

Shotsfired is right. The insurance assessors should be able to tell by looking at the cars. Have you spoken to your insurance company about this? If they think she's lying they'll annihilate her!

I had a neighbour try it on with my ins. company. I hit him at about 4mph and he tried to claim I'd done all sorts of damage to his rear brakes and damage that couldn't be seen (not a scratch or even teeny dint on the surface). They told him where to go. I only know because he complained and they accidentally sent their reply to me!

Another lesson in why you should always go through insurance and not trust anyone! He wanted to sort it privately, it's a good job I said no as fuck knows what £££ I'd have been forced to part with!

thanks shots I think I must have been having a dozy moment when I said about a rear facing camera... of course a front one would show if you were reversing yourself!

People can be gits. A long while ago my ex-boyfriend had someone drive into him from behind. They tried to claim on their insurance that he had reversed into them. They dropped the claim quite quickly when it was pointed out that his motorbike didn't have a reverse gear and they were actually going downhill so he would've had to walk his bike backwards uphill for it to be his fault.

Well i had a people carrier that was parked outside my house. My husband had just parked and come in when it was written off by an unconcious man who had a stroke at the wheel. We called ambulance and looked after him etc.
When it came to claiming on his insurance we found out that it was counted as a fifty fifty and we lost our no claims . Also had to fork out for new car seats for kids.
All told cost us 1500 pounds!
Now obviously other driver wasnt to blame but how could we be at fault when not even in the car? But that is the law. Still makes me mad as other driver pulled through and we never even heard from him to thanks for taking care of him or to say sorry!!!

flap How did they justify 50/50?

50/50? That doesn't sound right?

50:50 is an easy default position the ins cos agree because the costs of defending are much higher/time consuming/difficult than it is to just settle.

But you can push and they will defend (I have direct experience). It's down to the claims handler I think so keep them sweet but be relentless at them for it.

We had a minor bump. Tosser wasn't indicating so we assumed he was going straight ahead. Instead he swung into us. We braked but slid a few inches forward. The cars noses gently bumped. His wheel was bent. Our car wasn't even scratched.

We exchanged details. He was a pompous little turd, sort of middle-manager kind of bloke who thinks he can lord it over people even though he was about 4 foot 11 and probably still lived with his mother. "Had a few drinks, did you?" he stammered to my teetotal husband, "Yeah, mate, seen your sort before."

My husband asked if his car was alright, and if not, would he like a lift to where he was going? That took the wind out of Tosser's sails. He calmed down and we parted ways.

Of course, when the claim came through, he was claiming for the sorts of injuries you might incur in a 5 car pile up. Or perhaps a plane crash. He'd broken all his spines, gone blind, lost his brain, you name it.

Insurer came out to see us, noted the lack of damage on our car. Didn't mention if he'd seen Tosser's car yet.

Oddly enough - I don't think this is supposed to happen? - we later got a copy of his medical report. The doctor stated clearly the man had no discernible injury, and there was also a frosty bit at the end that noted he had done this two years prior, when another minor car bump had also apparently bestowed upon him the kind of life-altering injuries you'd expect in a train wreck.

DESPITE THIS burn of a document, the insurance settled 50/50 and chucked a smidge of money at him.

Then they cry that it's so hard to discern fraud.

Oh, relative's case too. Bumped in a car park by a group of giggling lads who didn't seem to care. Suspected he had just been insurance-fraud set up so he took carefully snapped a couple of pictures of the tiny dents in the cars. When the insurers came round to view the vehicle they were very pleased with the photos. "Their car doesn't look like that now," he remarked. "Looks like the four of them took baseball bats to it."

Minor bump in a car park which can shatter a windscreen and dent the roof, eh? Who woulda thunk it?

Niska Then they cry that it's so hard to discern fraud.

A bump I had, I notified my insurers and gave a written statement, the other party's full details and car info etc - everything.

She has never to this day reported the incident to her own insurers, which I believe is a condition and can invalidate the policyif you don't, yet as of my last convo with my insurer, they (either them or her insurers) were utterly powerless to do anything about it. How about contacting her at the address she has given for her policy - which is apprently all linked up like some kind of super spy network as they darkly warn us when we arrange policies?!

In this age of the smartphone another thing to do if you have a bump is to record the conversation you have with the other person, the accident, any bystanders and so on as you discus things and exchange addresses.

Even if it's not legal in court, I'm sure that knowing there is a recording of themselves saying it was their fault and you saying that you were still, with them saying omg I didn't see you, window misted up (cut to a quick shot of the misted window and the position of the cars on the road so it is obvious you were paused from your position etc) will help to concentrate the minds of people who lie and will help the insurance companies to see a contemporaneous reaction of reactions in the immediate aftermath of the accident rather than weeks later when people have had time to get over their shock and figure out a lie...