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?

Yes.

I assume this is purely a rhetorical question. Can't believe you really need the question answering.

Another do-gooder in action?

Tom

I taught myself their and there last year, baby steps

well is it a not really that big a deal type thing, or an OMG you're totally f****d police will be popping over for a chat kinda of thing

Can be deemed fraud after which you can be placed on a "black"list meaning your only option for insurance the next upcoming years will be an insurance company specialising in insuring people who committed fraud and the payments for such will be huge.

Besides that:

I don't get it. The girl wanted to overtake and never looked properly and just drove into you, sucks but her fault, her problem. Also an insurance company will overlook the form and conclude that it was her fault anyway so your insurance will refuse to pay anyway. To avoid this the both of you can agree to alter the situation after which when caught nobody will get money.

It’s a ‘not worth taking the risk’ situation, especially for her.

Simple legal solution: Leave out the insurance. Share blame and costs as you like and pay out of your own pockets.

too late for that, I'm insured up to my eye balls so whatever happens it'll cost me nothing. As they have proved to be totally irrational from the start I really wouldn't trust them as far as I could throw them so I'm just gonna sit back and watch it all unfold.

oh and we both use the same insurance co. which makes it even funnier

Thats incorrect if you have full cover, your insurance will have to pay out as they have a contract to indemnify their policy holder in the event of a loss. If they can get the other co to pay so much the better.

Hasn't the insured party already breached the contract though, if he's put in a fraudulent claim?

I imagine see that they'd still honour third party claims, assuming they were not also fraudulent, but if both parties had submitted false claims it seems likely that neither would get anything.

Yes.

If you fail to comply with the terms of the contract, which includes full disclosure, then they are fully entitled to void the contract leaving you with the liability.

Of course, so why would you do it? Police have already determined it's her fault, so no matter how bad you might feel for her there's nothing you can do for her.

Best case outcome is that they never find out....

Next best would be that they find out, void the contract leaving you with the liability

Worst case they find out, void the contract and make a criminal complaint for fraud.

its not me I would never be stupid enough to lie on a claim form.

I wanted to say paying out towards the girl but was unclear in my posting, filling in the form intentionally would lead them to also not pay towards him.

O.k. since I think most of us are confused now.

Does this have anything to do with your accident?

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