“Our approach to a complex issue is pretty straightforward. We focus our immediate attention upon the cause and circumstances of the accident with particular reference to the claimant’s allegation of injury. Moving quickly is vital in identifying any spurious claims being made against our mutual customers.
To support this strategy we have a dedicated Claims Validation team, which is staffed by qualified counter fraud personnel and is further supported by both intelligence services, field investigation and counter fraud legal teams.
We need all the help we can get from you and your customers to help identify and prosecute fraud and to help us do this, we need the following as quickly as possible after the accident:
- Immediate and direct telephone contact with the driver of your vehicle is crucial to understand the merits of the case and to verify that there is a credible argument against the injury having been sustained.
- Identification of adverse credibility evidence against the claimant through both the insured’s drivers’ testimony contradicting elements of the claimant’s statement of injury and other factors identified through investigation.
- Engineering documentation supporting the minimal impact – it is not uncommon that an inspection of your vehicle will still be required even if there is no damage claim being presented.
Essentially what we seek to do is to distinguish the evidence of the two parties to force the court to have to prefer the evidence of one of the parties. With your help in highlighting credibility issues with fraudulent claims, we can steer the court towards finding in favour of the defendant, or persuade the claimant’s solicitors that the court is unlikely to find the claimant credible and encourage them to drop the claim.”
