Here is a new type of motor insurance scams that target motorists - and not the insurance companies.
Mr X's car was hit by a van. He reported to an reporting centre. An agent of the workshop approached him and told him that the workshop can handle his third party claim - so that he does not need to lose his No Claim Bonus. Mr. X agreed and sign a few forms given by the workshop.
Six months later, the workshop told him that they could not proceed with the third party claim as the other party had a witness that Mr. X had turned into is lane. The workshop asked Mr. X to pay for the repairs at about twice of the estimated cost. If Mr. X did not pay, the workshop would get a lawyer to sue him. It seemed that the forms signed by Mr. X gave this legal right to the workshop.
Mr. X approached his insurance company to handle the claim, but the insurance company refused - as Mr. X did not meet the policy condition of getting his own insurance company to handle the repair in the first place.
Mr. X is now in a dilemma - having to pay for a claim that should be covered by the insurance policy and now having to pay for twice of the actual cost. Mr. X suspected that the workshop was acting fraudulently and was targeting him in the first place.
Lesson - always leave it to your insurance company to handle the repairs. Do not try to save on your No Claim Discount. It is not worth the unexpected trouble.
Mr X's car was hit by a van. He reported to an reporting centre. An agent of the workshop approached him and told him that the workshop can handle his third party claim - so that he does not need to lose his No Claim Bonus. Mr. X agreed and sign a few forms given by the workshop.
Six months later, the workshop told him that they could not proceed with the third party claim as the other party had a witness that Mr. X had turned into is lane. The workshop asked Mr. X to pay for the repairs at about twice of the estimated cost. If Mr. X did not pay, the workshop would get a lawyer to sue him. It seemed that the forms signed by Mr. X gave this legal right to the workshop.
Mr. X approached his insurance company to handle the claim, but the insurance company refused - as Mr. X did not meet the policy condition of getting his own insurance company to handle the repair in the first place.
Mr. X is now in a dilemma - having to pay for a claim that should be covered by the insurance policy and now having to pay for twice of the actual cost. Mr. X suspected that the workshop was acting fraudulently and was targeting him in the first place.
Lesson - always leave it to your insurance company to handle the repairs. Do not try to save on your No Claim Discount. It is not worth the unexpected trouble.
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