passed my driving test but now have car claim against me

[MarkF]

The OP is saying the accident didn't occur, I may be thick, but if the claim is fraudulant then why is the policy holder penalised?

Well if some other dope drives into me today, that would be 3 "no fault" claims I've been involved in in 3 years, that'd look like a "pattern" to insurance companies and I'd be penalised even more than I currently am..............for doing absolutely nothing wrong.

 

[PhilDawson8270]

It may be a "pattern" though. As somebody who doesn't really believe in "luck" How do people manage to get driven INTO every year or so. Yet others go decades with nothing?

 

[jamma]

I have phoned insurance company up yesterday and asked about putting it on renewal form and they said when time is up for renewal just put it down as no accident. As the police report says no evidence of it being in a accident. I had to laugh that they haven't even gave proper hard standing evidence just my number plate from the witness

 

[stephec]

As others have said, I wouldn't have expected the police to show so much interest when there's no injury, unless it's the driving off without exchanging details that they're looking at.

It was definitely a genuine police officer, and not just one of the scammers in a fancy dress outfit trying to put the frighteners on?

 

[jamma]

As others have said, I wouldn't have expected the police to show so much interest when there's no injury, unless it's the driving off without exchanging details that they're looking at.

It was definitely a genuine police officer, and not just one of the scammers in a fancy dress outfit trying to put the frighteners on?

Its the drivin off bit they were concerned about but due to no damage i didn't think they would come byt yes it was a proper officer came in a van

 

[classic33]

Its the drivin off bit they were concerned about but due to no damage i didn't think they would come byt yes it was a proper officer came in a van

https://www.askthe.police.uk/content/Q660.htm

 

[MarkF]

It may be a "pattern" though. As somebody who doesn't really believe in "luck" How do people manage to get driven INTO every year or so. Yet others go decades with nothing?

Eh? I went over 3 decades without any accidents, then an 82 year old man forgot which pedal means "stop", then a year later a mother drove into me whilst looking at, and talking to, her children in the back seats. That's how stuff happens.

 

[Drago]

It may well be "private property" (in terms of ownership) but it is still a public place because the public havce access.

Correctamundo! Most people think that for traffic purposes land is private by dint of being privately owned. This is wrong. Whether or not the public have authorised access at the material time determine its status as a public place. Hence university campuseseses, supermarket car parks, fields open for car boot sales etc qualify as public places despite being privately owned.

 

[mjr]

It may be a "pattern" though. As somebody who doesn't really believe in "luck" How do people manage to get driven INTO every year or so. Yet others go decades with nothing?

Some people have the misfortune to live places with crap motorists and AWOL traffic police. It's a shame we don't elect anyone willing to set policing and licensing policies that would catch and stop incompetent drivers before they injure people or cause expensive damage.

 

[jefmcg]

Eh? I went over 3 decades without any accidents, then an 82 year old man forgot which pedal means "stop", then a year later a mother drove into me whilst looking at, and talking to, her children in the back seats. That's how stuff happens.

Absolutely. It's called clustering, and it will always happen because these events are random but they are not evenly distributed.

However, as with cancer clusters, sometimes it just happens because that's how things roll, and sometimes it happens because there is a carcinogen present. Similarly some people will be in a cluster of no-fault accidents because they are the victim of happenstance, and some because something about them actually tends to put them in bad situations. Presumably statistically people who are in 3 no-fault accidents are more likely to end up in further ones than people who haven't. It's like being under 25: you get penalised even though you are a good driver and it's not your fault. That's how statistics and insurance works.

 

[fossyant]

It may be a "pattern" though. As somebody who doesn't really believe in "luck" How do people manage to get driven INTO every year or so. Yet others go decades with nothing?

Folk keep driving into me on my bike since I started commuting into Manchester centre ! Unlucky I think.

 

[HF2300]

No, it's just Manchester driving