It’s OK, I don’t really expect anyone to come right out and admit that they would make a fake insurance claim but I just wanted to put the question out there.
My reason for asking is that, as you might know, two weeks ago I was hit by a truck when I was driving home from work. I walked away with no injuries thankfully although my car is looking like it’s a write off due to the amount of damage done and obviously I’m going to claim on my car insurance policy for that. I’m also going to try and claim my train costs as we were going away that weekend so we had to get the train as the car was undriveable and I’ve also been told to claim for the car seats as they should always be replaced after any accident.
I shouldn’t be out of pocket because of another driver’s mistake and I’m going to make sure that I’m not by claiming back what I’m entitled to. That’s reasonable isn’t it?
What does surprise me though is the text messages and telephone calls that I’ve had in the last few weeks from claims management companies who are all telling me that ‘where there’s blame, there’s a claim’. They seem to be encouraging me to claim for whiplash and other injuries – regardless of whether of not I actually have them.
Obviously they don’t come right out and say ‘Lie to us and we’ll get you some money’ but some of them do make it clear that something like whiplash is easy to claim for.
Is this the reason that my insurance policy premiums seem to be ever increasing – despite a full no claims bonus?
Because some people are just making up or exaggerating injury claims because they’re being told how easy it is and how much money they could get?
Oh and while I’m having a rant, I wonder how three different companies got my details within two weeks of the accident! I must now be on the ‘where there’s blame, there’s a claim’ list somewhere!
***I know that lots of people do suffer whiplash and other injuries from these types of accidents and I get that they’re completely entitled to what they get because it must be awful. It’s just these claims companies that I think are wrong – encouraging a claim regardless of whether there really is an injury or not!***
