spying on somebody claiming off me

easyontheeye

ok long story short, have a feeling someone i had an accident with is claiming to be out of work with whiplash for 9 months now is acting the boll*x. they say they cant do housework, shop, sit for longer than an hour without pain.
i cannot believe this...it was a "minor crash" i mean my car only had paint damage and theirs!

his out of earnings alone are 80k so far with 8 specialists bills. i may as well have wrote both cars off, my premium will go through the roof, im thinking of spying on them, would the insurance company use the evidence if i could get it?

Rudolph Claus

Just send some nice friends around to beat the cnut up and give him some real injuries he wont be able to claim for.
Have you told your insurance company of your suspicions or contacted the insurance fraud thing?

Seth Brundle

Who told you that they can't do these things? If this is going through your insurance then I would suggest that you just get on with your life!
There is no law (AFAIK) against watching someone as long as you are not harassing them.
You should ask this in the legal forum though.
As for your insurance company using the information - it depends on what the evidence is and how you got it! You would need to ask them though.

easyontheeye

i got the report from his personal injuries assesment board, it has everything in it about him, to be honest considering the scale of the accident i find it very VERY hard to believe hes just sat on his arse for the last 9 months. I cant accept that. its bugging me because its so minor yet its gonna cost a fortune and my premium will be loaded

Seth Brundle

If it went through your insurance company then your insurance will be loaded irrespective of what the other party claimed for!

easyontheeye

kbannon wrote:

If it went through your insurance company then your insurance will be loaded irrespective of what the other party claimed for!

you mean the cost of the claim doesnt reflect the loading?

mikemac

80k in 9 months:eek: I'd love this guys salary, what does he do out of interest? Is he a taxi driver?:p

I've seen this situation before. Back in 2001/2002, you may remember compo culture ruled and insurance was sky high.

Our business lecturer in college was telling of loads of claims against the college. Examples where GAA players who slipped on the college dressing room floor but still played football for their clubs at weekends but claimed they couldn't play for the college do to terrible pain and suffering and had claims pending against the college.

The car park was also plastered in CCTV cameras as people kept "tripping" down steps.

I say go for it.
Now try to catch the lad doing gymnastics in the local sports hall

Rudolph Claus

If this is going through your insurance then I would suggest that you just get on with your life!

While we all pay increased premiums so that knacker can skam over 80grand. Yeah, sure lets have a wee whip around for him too, see if we can drum up some loose change.

easyontheeye

lads im telling ya it was a tiny accident, i dont want to reveal too much infor about him/her but everyone i know cannot believe it...even my insurance company admitted that this guy is one in a million, he has a good job hence the earnings

DeBeere

Sounds quite unbelievable...

Maybe spending a little bit on hiring a Private Investigator? Would save you the time and hassle, plus they have the experience.

Did a search on google and turned up two sites:
http://www.cda121.com/
http://www.eii.ie/

Just a thought!

easyontheeye

im annoyed with the insurance company letting it go on for so long but you cant prove/disprove whiplash!

FX Meister

easyontheeye wrote:

he has a good job hence the earnings

What kind of good job can he have that he just takes time off so he can scam money out of you?

Tipsy Mac

If you did €2 worth of damage or €2million it makes no difference, once you go through the insurance you just loose the no claims bonus, no extra loading for super claims. It's the insurance companies job to check the validity of a claim, not yours, let them handle it.

mike65

Insurance companies don't really care too much about payouts, after all they'll get the cash back from all of us and prooving a claim is dubious means extra work for them.

Mike.

easyontheeye

FX Meister wrote:

What kind of good job can he have that he just takes time off so he can scam money out of you?

well i dunno, its pathetic if you ask me i dont know how he can get away with it. he says he cant even sit at a computer for more than 1 hour!!

Rudolph Claus

Can you not prove that the crash was insufficient to cause whiplash, though? Even if you cant prove/disprove the actual injury of whiplash itself.

horgan_p

leave it to the insurance company. tell them the situation, trust me theyll be looking for any way out of paying the guy.doin it yourself can only lead to hot water.

insurance companies employ (certainly used to) people for this kind of thing.

easyontheeye

horgan_p wrote:

leave it to the insurance company. tell them the situation, trust me theyll be looking for any way out of paying the guy.doin it yourself can only lead to hot water.

insurance companies employ (certainly used to) people for this kind of thing.

i get the impression they aint doing anything about it ... ahh well ill think about wether or not to take out the video camera

dubtom

The insurance company, if they uspect he's taking the piss will investigate. All it would take is a picture of him swinging a golf club or up aladder for him to lose the claim.They have the resources to find out these things. As was said leave it to them, if your pointing your camera at him and he see's you it could put him on his guard.At the end of the day even if he only gets a grand or a million in court it won't affect your NCB any differently,i inderstand the frustration though, nothing worse than suspecting someones taking the piss.

Kristopherus

You are most unfortunate, and your insurance co will be worse than useless. Do you know that they can settle the claim without even telling you what they've done. As for you claimant, I hope he rots in hell !!

fatboypee

Same thing happened to me a few years back, living in the UK at the time, over here for the week, minor crash, next thing I hear from my insurance co (based in the north) is they're settling the claim to the tune of 80k sterling.

Bent wing on my car, girl who hit me (yes, hit me, but it appears the dirt track she was on was the major road and the two lane byeway I was on was a junction (no road markings, just a gravel swish!)), claimed total write-off, whip-lash, hospitalisation for two weeks, rental car afterwards and out-of work expenses for 6 months.

The insurance company settled without questioning ANY of it. :mad:

the hunter

i have a who received an injury in work and was claiming
when the case went to court the companys insurance company produced pictures of my friend going about daily chores even had a pic of the curtains being opened in the morning ????
so if the insurance company think something fishy is going they might get them checked out ???

Countryripple

I know someone going through the exact same thing as the OP at the moment. Its a scary thing when you get the letter from the Personal Injuries Assement Board and read through it. Minor crash, rang gardai, said if no one injured come down the station, which they both did cos they were both ok.

Can I just ask a question. Regardless of what the insurance company are going to pay out, will this mean that my friend will be landed with a huge bill? He has since changed insurance companies and when he did this he had no outstanding claims as this one had been settled for the damage to the car. How will this work out now that he is no longer with this insurer?

Thanks

smash

so they're claiming 80k for 9 months off work... what car were they driving?

upsfan

I've been on the other side of this as a claimant as have two workmates of mine. My experience is that even when the case is cut and dried (other party 100% liable, injury - fracture - unambiguous, not claiming ANY loss of earnings etc) the insurance company will still try to screw the claimant in negotiations and try to get the claim amount reduced. And of course in my case, the guy who hit me initially thought it was minor, no injuries etc (as indeed did I) but x-rays tend not to lie.

Similar experience with the two workmates, again very clear cases with regard to both and the insurance co will use whatever tactics they can to get out of paying or to reduce the award, some of which are plain unethical. Your insurance co may not consult you much on the matter, (after all, not really your business, they are the ones that are paying) but it's a falsehood to think they just roll over, they honestly don't.

easyontheeye

steve06 wrote:

so they're claiming 80k for 9 months off work... what car were they driving?

i wont say but it was a higher end car... merc s class, bmw 5 series range. it was a solid car

easyontheeye

Countryripple wrote:

I know someone going through the exact same thing as the OP at the moment. Its a scary thing when you get the letter from the Personal Injuries Assement Board and read through it. Minor crash, rang gardai, said if no one injured come down the station, which they both did cos they were both ok.

Can I just ask a question. Regardless of what the insurance company are going to pay out, will this mean that my friend will be landed with a huge bill? He has since changed insurance companies and when he did this he had no outstanding claims as this one had been settled for the damage to the car. How will this work out now that he is no longer with this insurer?

Thanks

did he pay the damages for the car out of his own pocket? as far as i know he can still go through a personal claim up to 12 months after...i think?!

easyontheeye

im gonna get my voodoo doll out! the more i think about it the mored P*SSED i am! karma!!

upsfan

I dunno, I'm somewhat skeptical here that someone earning ~€100k+/year driving an S-Class has jacked in his job to try to scam an insurance company. You need to consider that just MAYBE the guy actually was injured - you don't seem to have even considered that for a moment.

Countryripple

nope. damages went throught the insurance. and was marked down as claim settled on a letter he later received. then w few years after, he changed insurance companies. then this comes about, but it is the old insurers who are dealing with it. just wondering how things like this pan out. its pretty stressful!!!

easyontheeye

upsfan wrote:

I dunno, I'm somewhat skeptical here that someone earning ~€100k+/year driving an S-Class has jacked in his job to try to scam an insurance company. You need to consider that just MAYBE the guy actually was injured - you don't seem to have even considered that for a moment.

put it this way hes not a ceo and he is in the building trade (not a labourer). i have considered it but when i read the report on the things he says he can no longer do, i got a sudden stench of horse sh*t.