Alleged car accident involving my car

DirectDevil said:
The claimant carries the burden of proof.
The standard of proof is the balance of probabilities i.e. something is at least 51% more likely than not.

Sometimes accidents or incidents can occur without physical contact between vehicles. It might be alleged that becky pulled out of a side road in a way that caused an emergency. That said, I would expect her to have also been on the receiving end of a sounding horn and or flashing lights.

becky needs to be clear with AIG [her insurers] that she accepts absolutely no responsibility for this alleged accident. Unfortunately, insurers have a right to settle the matter without policyholder's permission and might do so on grounds of economics as distinct from merit.
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Thanks for that. I sent an email this morning asking for the information which idenfied my vehicle/ garda etc.

So AXA have to prove it was my car? It states the car was hit (I'd remember that). I'm a cautious driver, in my 20 plus years of driving I have overtaken a car less than 10 times.

I feel AIG want me to prove it didn't happen.
 
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becky said:
Thanks for that. I sent an email this morning asking for the information which idenfied my vehicle/ garda etc.

So AXA have to proof it was my car? It states the car was hit (I'd remember that). I'm a cautious driver, in my 20 plus years of driving I have overtaken a car less than 10 times.

I feel AIG want me to prove it didn't happen.
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The guards cannot legally give you a third party details under GDPR.
You insurance can request the third parties details but legally cannot give it too you either.
However the abstract from the accident can take months too get (I’ve just gone true this with axa ) and it costs your insurance too get it,so either way expect too pay a higher premium for your insurance for the next couple of years at least.
 
Pinoy adventure said:
The guards cannot legally give you a third party details under GDPR.
You insurance can request the third parties details but legally cannot give it too you either.
However the abstract from the accident can take months too get (I’ve just gone true this with axa ) and it costs your insurance too get it,so either way expect too pay a higher premium for your insurance for the next couple of years at least.
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Were you also not involved in the accident?

I'm not asking for 3rd party details I just want the evidence/statement, the location that identifies my car.
 
Not sure if this is an option, but if you are 100% sure you had no accident/incident, then state that very clearly to AIG, but also make a complaint of fraud to the gardai in relation to the claimant and inform AIG of that.

But whether you engage with them or not, you have been informed of the claim and therefore it will affect your insurance and has to be declared.

The sooner you engage the sooner it will be sorted. You lack of engagement is a red flag in itself and may result in a settlement and therefore loss of your NCB
 
Just of curiosity have you tried contacting AXA to see what they have to say about your thoughts that this may be a scam? If you don't get anywhere with their Claims Dept perhaps contacting their Customer Service Dept would help.
 
Sue Ellen said:
@Pinoy adventure



Just wondering how you came to be out of pocket when your car was parked in a car park at the time of incident. Your experience may be of benefit to becky. No problem if you would prefer not to go into the matter at this stage but I did wonder how you got on. All seems very unfair.
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Sue - basically I got passed around from the guards too my insurance company (axa ) who were actually useless in helping me out.

So the superintendent could/would not disclose the third parties details too me due too GDPR.
They would only disclose it too either my insurance company (for a fee) or my solicitor.

If I go true my insurance (which axa wanted me too) it would increase my policy premium for the next 3 years.
They did request an abstract from AGS which I was told can take weeks-months too get back from AGS (still waiting for axa too call me back but my guess is it won’t happen).

In the meantime in policy renewal came in so the options I got from Axa were either drop my claim and cover the damage cost myself or risk an increase in my renewal and the inconvenience of a accident noted on my policy which I must disclose too any insurance company I go with.

I found Axa were absolutely useless in helping a comprehensive policy holder with them,so decided too get my car fixed myself.
 
peemac said:
Not sure if this is an option, but if you are 100% sure you had no accident/incident, then state that very clearly to AIG, but also make a complaint of fraud to the gardai in relation to the claimant and inform AIG of that.

But whether you engage with them or not, you have been informed of the claim and therefore it will affect your insurance and has to be declared.

The sooner you engage the sooner it will be sorted. You lack of engagement is a red flag in itself and may result in a settlement and therefore loss of your NCB
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I have sent an email asking for details so I'm engaging. I was hesitant first as she had the wrong reg and thought it was a scam.

No reply to this email yet.

I have another drafted asking for the details again so I can report the attempted fraud to the Guards.
 
This could simply be a situation where the AXA driver took down the registration number of the other car incorrectly. Is the alleged offending car, the same make model and colour as yours? Were you in the area that day? If you live in Donegal and the accident was in Kerry, then it should be easier to prove you were not involved.
 
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Sue Ellen said:
Just of curiosity have you tried contacting AXA to see what they have to say about your thoughts that this may be a scam? If you don't get anywhere with their Claims Dept perhaps contacting their Customer Service Dept would help.
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I'm with AIG. I spent 2 hours on Friday evening composing an email. I had headache going to bed with the stress of it.
I've put the her quoting an incorrect reg leading me to believe it was a scam.
 
Ravima said:
This could simply be a situation where the AXA driver took down the registration number of the other car incorrectly. Is the alleged offending car, the same make model and colour as yours? Were you in the area that day? If you live in Donegal and the accident was in Kerry, then it should be easier to prove you were not involved.
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I haven't been provided with any real details.


I've checked my Google calendar, nothing. Google maps seem to have been off that day or the shop isn't registered maybe.

But I was in the local shop according to my card. As its over 2 months I don't have receipt. Now I'm wondering if I have to keep every receipt.
 
Sue Ellen said:
Yes I understand that but isn't the T.P. with AXA hence my recommendation to contact them.
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Oh I see. I'll hold on that for the moment. I think I'll explode if I have to tell someone else I wasn't in an accident.
 
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