Allianz court success over 3 phantom claims
A driver’s claim and three phantom claims have been struck out by a court, following an investigation by Allianz and DAC Beachcroft, which found that the driver had supported fraudulent claims.
Following a motor accident in May 2016, Allianz received four personal injury claims from the third party driver, a passenger and two children. Allianz’s insured had accepted liability for hitting a vehicle but already confirmed that the male driver was alone in the car.
Due to the inconsistent version of events, Allianz’s claims validation team investigated the case further. After speaking again to the insured, it was confirmed that nobody else got out of the vehicle at the scene of the accident and the driver recalled that he could see every seat in the vehicle.
Despite outlining concerns to the claimant solicitor, Allianz then received medical evidence detailing that the driver was accompanied by his ex-partner and two children, who were rear seat passengers.
Allianz also confirmed with the third party insurer that during the original call recording with the claimant, no injuries were reported and there were no other passengers involved. Based on the evidence, Allianz instructed DAC Beachcroft to file a defence pleading fraud and fundamental dishonesty.
At the trial, which took place at the end of July, the driver’s ex-partner and children were not present and the Judge stated that there was no good reason for them not to attend court. The judge said that she believed the reason they chose not to turn up was that they didn’t want to be cross examined, questioning the credibility to this claim.
The judge concluded that the driver was alone at the time of the collision and would have been compensated in excess of £5,000 had he not lied about the circumstances.
Instead the judge ordered the man to pay back costs at over £29,000.
James Burge, fraud manager, Allianz Insurance said:
“Working together with specialists such as DAC Beachcroft demonstrates our ongoing commitment to challenging and tackling insurance fraud.
“I’m really pleased that the right outcome was achieved. Unfortunately cases like these are not uncommon and this case goes to show that we are still determined to combat exaggerated and fictitious claims and continue to protect our genuine customers".
Georgia Court, Partner at DAC Beachcroft said,
“The defence of the claim was successful due to the robust approach taken by Allianz and support they gave their customer, whose evidence was crucial. This case demonstrates that, even if part of a claim is genuine, all of it will be dismissed if any fraud is found, which happened here because the claimant supported the bogus passenger claims.”
Allianz Insurance is one of the largest general insurers in the UK and part of the Allianz Group, a leading integrated financial services provider and the largest property and casualty insurer in the world. The mission of Allianz Insurance is to be the outstanding competitor in our chosen markets by delivering products and services that our clients recommend, being a great company to work for and achieving the best combination of profit and growth. We aim to achieve this by putting the customer at the heart of everything we do.
Allianz is able to offer customers a wide range of products and services including home and motor and commercial insurance with full range of products and service for sole traders' right up to large commercial organisations. Allianz Insurance employs over 4,500 people across a network of 20 offices in the UK and the company’s Head Office is situated in Guildford, Surrey. Our heritage and financial strength help make Allianz what it is today; a safe and trusted partner. Over 40 FTSE100 companies partner with Allianz. youTalk-insurance sharing Allianz Insurance news and video
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