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  #41  
Old 13.08.2019, 13:08
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Re: lying on an insurance claim form - whats the score

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she has submitted her claim form blaming me 100% but also saying the police (who she called) were not in attendance.

We are both with the same insurance co. so no way I am going to lie on the form, I have filled out the section saying they were with the details.

The police have put the blame on her and are charging her, I'm just really confused as to why she would lie on the claim form
Maybe she just forgot to tick the box
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  #42  
Old 13.08.2019, 13:34
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Re: lying on an insurance claim form - whats the score

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Maybe she just forgot to tick the box
you can't forget to its a whole section, the exact questions are

was a police report filed no
yes
police office
officer name
phone no.

impossible to miss, you then have to sign the form of course so if you've 'missed' a section tough titty.
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  #43  
Old 13.08.2019, 13:46
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Re: lying on an insurance claim form - whats the score

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(Unless she is so dumb that she would need help in normal daily life with many things)
Yes, that's what I was wondering...
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  #44  
Old 13.08.2019, 14:01
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Re: lying on an insurance claim form - whats the score

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Yes, that's what I was wondering...
19 - easily (mis)lead, I'm assuming the police told her the same as they told me, granted she didn't come across as the sharpest tool in the box, very drama queeny
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  #45  
Old 13.08.2019, 14:07
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Re: lying on an insurance claim form - whats the score

Are you able to get a copy of the police report? Ask them if you can have a copy for your records. Then submit that along with your statement.
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  #46  
Old 13.08.2019, 14:14
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Re: lying on an insurance claim form - whats the score

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The girl is trying to defraud her insurance company of CHF 1,000 (or however much her excess for an at-fault claim is).
AFAIK there is no excess for liability insurance claims.
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  #47  
Old 13.08.2019, 14:16
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Re: lying on an insurance claim form - whats the score

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Are you able to get a copy of the police report? Ask them if you can have a copy for your records. Then submit that along with your statement.
the insurance company has been given authority to talk to the police on my behalf, so they can deal with it all
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  #48  
Old 13.08.2019, 14:18
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Re: lying on an insurance claim form - whats the score

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AFAIK there is no excess for liability insurance claims.
the police have said its her fault and are / have charged her, as we know insurance co. generally don't give a toss about laws when it comes to getting out of paying, but if they find her at fault she'll at the very least need to pay an excess, mine is 500chf (except that insured so its nothing) for a 19 year old just passed her test is a new skoda its going to be a couple of thousand.
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  #49  
Old 13.08.2019, 14:33
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Re: lying on an insurance claim form - whats the score

Because the police were involved, isn't it possible that being a newbie driver, her license will be suspended for a certain period of time? It may be possible that she (or her father) has a deal going with the policeman who documented the accident.

Either that, or she's just trying to get away with something without realizing the consequences of being caught.
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  #50  
Old 13.08.2019, 14:38
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Re: lying on an insurance claim form - whats the score

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Because the police were involved, isn't it possible that being a newbie driver, her license will be suspended for a certain period of time? It may be possible that she (or her father) has a deal going with the policeman who documented the accident.

Either that, or she's just trying to get away with something without realizing the consequences of being caught.
there were 4 police who attended (slow day I guess), after all the interviews one came to me and said they where charging her because she failed to check before overtaking and I was free to go, here's her details and the police details.

I suspect someone it giving her advise, probably the same person(s) who told her to call the police in the first place.
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Old 13.08.2019, 14:38
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Re: lying on an insurance claim form - whats the score

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Because the police were involved, isn't it possible that being a newbie driver, her license will be suspended for a certain period of time?
Newbie driver or not. License suspension are handled the same way. Only difference, a newbie driver has a probation period. If license gets suspended within probation period, the period gets extended by one year. If a second suspension happens within probation period the license will be void and must be redone from scratch (after a one year waiting period). The insurance is NOT involved in this.
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  #52  
Old 13.08.2019, 15:47
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Re: lying on an insurance claim form - whats the score

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Newbie driver or not. License suspension are handled the same way. Only difference, a newbie driver has a probation period. If license gets suspended within probation period, the period gets extended by one year. If a second suspension happens within probation period the license will be void and must be redone from scratch (after a one year waiting period). The insurance is NOT involved in this.
So this young lady has a stack of problems. License suspension (probably), fine for the infraction (maybe?), being at fault for the accident may mean that her insurance won't cover her car if they rule she was negligent, paying the excess for BB2, and whatever issues come with lying on an insurance form. There's a good start to your driving life, lassie.
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  #53  
Old 13.08.2019, 15:57
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Re: lying on an insurance claim form - whats the score

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Say you drove into someone and decided it was the other persons fault and called the police, police come and say bad luck its all on you. So you fill out an insurance claim form attributing 100% of the blame on the other person, but also 'neglect' to fill the section out on 'were the police in attendance'

would that be a silly thing to do?
Normally you just need to send a copy of the European accident form, I never needed to fill in anything else.

Since both parties sign it......
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Old 13.08.2019, 16:02
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Re: lying on an insurance claim form - whats the score

Looking on the bright side: it's been an educational experience for everybody involved!
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  #55  
Old 13.08.2019, 16:23
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Re: lying on an insurance claim form - whats the score

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Normally you just need to send a copy of the European accident form, I never needed to fill in anything else.

Since both parties sign it......
not at the accident site, the claim forms your insurance co. send you after the event, last time the car was hit I wasn't even in it and didn't have to fill out anything, this time I guess I do as shes stated it was my fault. the normal stuff, what happened, where, witnesses etc

Oh and yes, car accidents always come with a fine when the police are involved, always!!!
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  #56  
Old 13.08.2019, 16:27
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Re: lying on an insurance claim form - whats the score

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not at the accident site, the claim forms your insurance co. send you after the event, last time the car was hit I wasn't even in it and didn't have to fill out anything, this time I guess I do as shes stated it was my fault. the normal stuff, what happened, where, witnesses etc

Oh and yes, car accidents always come with a fine when the police are involved, always!!!
I always just submitted the form, got paid out within 2 weeks when the police were not involved, nearer 5 months when they were.
If she appeals it will go to court & a lot of time will be wasted. If you have comprehensive insurance your company should pay for repairs in the mean time.
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  #57  
Old 13.08.2019, 16:31
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Re: lying on an insurance claim form - whats the score

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I always just submitted the form, got paid out within 2 weeks when the police were not involved, nearer 5 months when they were.
If she appeals it will go to court & a lot of time will be wasted. If you have comprehensive insurance your company should pay for repairs in the mean time.
yep its all taken care of, cars booked in
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  #58  
Old 13.08.2019, 16:38
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Re: lying on an insurance claim form - whats the score

The sad part is, we most likely will never know the outcome of what happens to her...
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