Alleged car accident involving my car

MugsGame

Frequent Poser
Messages
2,736
This sounds like a complete scam…

- It should be “AIG has…”.

- Why does “nó” (sic) have a fada on it?!

- Why, if you’re the perpetrator, would a delay in you supplying documentation result in a delay to “your claim”? You’re not the person making the claim!

- “Axa” should be “AXA”

- “It’s” is spelt wrong

In my view, this is Johnny Lagos rather than Mr AXA…
While wise to be cautious, I wouldn't be so sure that this is a scam. I've seen some terrible inconsistencies on form letters which should have been well-reviewed standard templates. Sometimes the bigger the company, the worse the issues.

(Recently I had to get a salary cert reissued twice due to mistakes and inconsistencies, most of which were not specific to my situation.).
 

becky

Registered User
Messages
1,057
Update. I sent a webchat to its4women telling them I was contacted by AIG. Told them I wasn't involved in any accident. They said they'd get back to me.

Just checked the its4women portal and the claims section is now updated.

Incident date: date 00:00:00

Cause: accident

Details:
PHV hit TPV while coming from the side of the road

At Fault: YES

Status: outstanding.


Have to wait until tomorrow to see.

Anyone have experience of a wrong claim against their policy and getting the claim removed.

Again I haven't been involved in an accident and don't want hassle when I'm renewing my policy.
 

peemac

Registered User
Messages
1,315
A lot of the insurers farm out claims handling.

Sedgwick would be one of the main handlers, so if the person in Aig is connected to Sedgwick, then it's 100% above board.

Also try and remember where you were on the date in question and was there anything that was out of the ordinary.

Claims handlers can be very good at sussing a dodgy claim.

I think Sedgwick also act for axa
 

Páid

Registered User
Messages
844
Were the Gardaí called to the scene I wonder? If they were they might be able to support your side of the story i.e. that you were not involved.
 

becky

Registered User
Messages
1,057
Were the Gardaí called to the scene I wonder? If they were they might be able to support your side of the story i.e. that you were not involved.
I'll ask tomorrow. Nothing came up on my timeline for the day either.

Whats annoying is the company seem to take the report at face value and put me immediately 'at fault'.

I seem to be the one who has to prove it didn't happen.
 

Leo

Moderator
Messages
14,005
I've just googled her name and she's coming up on LinkedIn as a claims handler with another company, possible she hasn't updated it.
You found that via Linked In, a spammer could easily just search Linked In for anyone with the job title Claims Handler.
 

becky

Registered User
Messages
1,057
I've received an email this morning.

In order to defend the claim made against you, we will need to appoint a motor assessor to inspect your vehicle. Can you please contact me on 01 xxxxxx to arrange a motor assessor.
 

NoRegretsCoyote

Registered User
Messages
4,307
I've received an email this morning.

In order to defend the claim made against you, we will need to appoint a motor assessor to inspect your vehicle. Can you please contact me on 01 xxxxxx to arrange a motor assessor.
At this point it seems clear it is not phishing. At the same time if you were not involved you need to state this categorically and early. If your car wasn't involved then no one needs to inspect it.

I would write AIG a letter, something like:

I have received emails alleging involvement of my car in an incident on such a date in such a place. Neither my vehicle nor myself were in the vicinity on the date in question.

I expect prompt confirmation from AIG that this investigation has been closed with a confirmation of no involvement whatsoever by myself or my vehicle.

I will not accept further correspondence from AIG or a related party by phone or email, only by letter to this address.

Sincerely.
 

LS400

Registered User
Messages
730
Might seem a silly question, but did you check your car for any paint damage/transfer

Thants one of the first things an assessor will look for.

Say, I was parking my car, and I scrubbed off yours, I report your vehicle as causing the damage, no one is around, I screen shot your insurance disc??
 

becky

Registered User
Messages
1,057
Might seem a silly question, but did you check your car for any paint damage/transfer

Thants one of the first things an assessor will look for.

Say, I was parking my car, and I scrubbed off yours, I report your vehicle as causing the damage, no one is around, I screen shot your insurance disc??
My car is fine. From the statement on the portal it seems it was a moving accident but details are vague.
 

becky

Registered User
Messages
1,057
At this point it seems clear it is not phishing. At the same time if you were not involved you need to state this categorically and early. If your car wasn't involved then no one needs to inspect it.

I would write AIG a letter, something like:
There is no mention of where it happened, I will add that in to my email.
 

peemac

Registered User
Messages
1,315
I've received an email this morning.

In order to defend the claim made against you, we will need to appoint a motor assessor to inspect your vehicle. Can you please contact me on 01 xxxxxx to arrange a motor assessor.
I'd get an assessor out asap so that they can talk to you rather than vague emails back and forth. They have the experience.

If it is a false claim, they will state that in their reply to axa and it will be for their client to provide some sort of proof.

They deal with scammers every day and a certain type of person has no shame in making false claims as there is absolutely ZERO consequences in making that claim. Yet if you thieve a bar of chocolate you can have a criminal record.

And because there are no consequences, they will try again and again and again. It is even difficult for a solicitor to mention any previous claims or attempted claims in a court. And these scammer know that. So they keep on taking cases.
 

NoRegretsCoyote

Registered User
Messages
4,307
I will add that in to my email.
Don't send an email. The more you engage with them the more likely you are to be drawn into something you say had nothing to do with you.

This is how innocent people get framed! They engage openly and honestly and something they say is used against them and once you're in the picture it's hard to get out of it.

There are two things that could come out of you allowing an assessor to inspect your car:
1) they correctly find no evidence of involvement
2) they use some mark/scratch/dent to imply your involvement

Why on earth should you risk (2)?

Write one letter denying all knowledge (keep a copy) and engage as little as possible.
 

becky

Registered User
Messages
1,057
I'd get an assessor out asap so that they can talk to you rather than vague emails back and forth. They have the experience.

If it is a false claim, they will state that in their reply to axa and it will be for their client to provide some sort of proof.

They deal with scammers every day and a certain type of person has no shame in making false claims as there is absolutely ZERO consequences in making that claim. Yet if you thieve a bar of chocolate you can have a criminal record.

And because there are no consequences, they will try again and again and again. It is even difficult for a solicitor to mention any previous claims or attempted claims in a court. And these scammer know that. So they keep on taking cases.
I'm waiting to see how it was identified as my car. I'm not keen on engaging with a process as it means I will have to declare it in at my renewal.
 

becky

Registered User
Messages
1,057
Don't send an email. The more you engage with them the more likely you are to be drawn into something you say had nothing to do with you.

This is how innocent people get framed! They engage openly and honestly and something they say is used against them and once you're in the picture it's hard to get out of it.

There are two things that could come out of you allowing an assessor to inspect your car:
1) they correctly find no evidence of involvement
2) they use some mark/scratch/dent to imply your involvement

Why on earth should you risk (2)?

Write one letter denying all knowledge (keep a copy) and engage as little as possible.
I don't want the claim settled between them and affecting my insurance. I've heard of this happening before, obviously not sure if it's true. The girl AIG seems to want to move it through the process.
 

Páid

Registered User
Messages
844
Write down as many things as you can remember about the day of the alleged accident so that later if you need them you can explain where you were at the time that it happened.
 

LS400

Registered User
Messages
730
I'm not keen on engaging with a process as it means I will have to declare it in at my renewal

But, that's a problem in its self. As and from now, unless sorted, you have to disclose an open claim, albeit even with another insurer should you look for a quote while this process is on-going.
 

becky

Registered User
Messages
1,057
But, that's a problem in its self. As and from now, unless sorted, you have to disclose an open claim, albeit even with another insurer should you look for a quote while this process is on-going.
I have until March until my renewal. I had intended selling it soon but am trying to decide what car to get next.
 

DirectDevil

Registered User
Messages
781
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.
 
Top