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Accident Investigation - car insurance

3 replies

tubsywubsy · 13/11/2011 18:17

A while ago my daughter was knocked down by a car when crossing the road. Thankfully she is fine, but she had concussion and can't remember anything about the accident. She was on her own at the time - she's in her late teens - so we're not really clear exactly what happened.

This was months ago, but earlier this week I got a call from an accident investigator working on behalf of a well known car insurance company who asked to interview her about the accident. As the conversation wore on, it emerged that he didn't appreciate that DD was the injured party, he thought she was just a witness to the accident.

Anyway, I refused to give permission for him to interview DD - there wouldn't be much point as she can't remember anything about the accident.

We left it at that, but now I'm wondering just why he was investigating the accident so long after it happened. There was just one car involved in the accident, the one that knocked her down, and I think that the name the Accident Investigator gave me was the name of the driver. So what's it all about, and should I be worried? I'd be grateful for any advice.

OP posts:
Snorbs · 14/11/2011 15:43

He was probably an ambulance chaser. Insurance companies (and even the police) have been selling on the details of those, such as your DD, who have been involved in accidents.

They then try to get you to agree to a no-win, no-fee attempt to claim compensation. They do it because if they win then they claim extortionate fees from the loser's insurance company. This is partly why insurance costs are so high these days.

tubsywubsy · 14/11/2011 18:47

That's what I thought at first, but there was no mention of compensation, or anything like that. The guy said that he was acting for the driver's insurance company. I guess that what I'm worried about is that they might be trying to get something out of DD (or rather me) by claiming that she somehow caused the accident, or any damage to the driver's car.

OP posts:
VivaLeBeaver · 14/11/2011 19:07

The insurance company might be doing this now even though you're not claiming for anything as I believe your dd has three years to decide to claim. They're maybe worried she will start a claim in a bit and are getting statements now.

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