Have you ever exaggerated an insurance claim?

Sheeps

We know there's a claim culture in this country, to the point that rates are through the roof and businesses are shutting down left right and center. Allegedly 20% of claims are fraudulent or exaggerated. Question is if you retrospectively look back at a claim you've made, can you honestly say it wasn't in any way exaggerated?

lola85

Sheeps wrote: »

We know there's a claim culture in this country, to the point that rates are through the roof and businesses are shutting down left right and center. Allegedly 20% of claims are fraudulent or exaggerated. Question is if you retrospectively look back at a claim you've made, can you honestly say it wasn't in any way exaggerated?

20% aren’t fraud.

Pearse Doherty debunked that claim a few weeks ago.

Sheeps

lola85 wrote: »

20% aren’t fraud.

Pearse Doherty debunked that claim a few weeks ago.

I used the word allegedely for that exact reason. Pearse ran rings around them. All the same he also acknwledged that there are problems with fraudlent claims in this country, albeit not as high as the insurance companies are making it out to be.

lbc2019

No leo

Cookie_Monster

Not per se but the assessor said the damage was 1750 and it cost 700 to fix so I got a new laptop out of it as well

MarkY91

I made a claim and was extremely honest during the whole thing.

I know various amounts of people who have exaggerated and lied. I'd imagine everyone does.

Zaph

Poll needs another option. Plenty of people make claims that aren't exaggerated, but there's no option for them.

ILoveYourVibes

Never had to make one.

Sheeps

Zaph wrote: »

Poll needs another option. Plenty of people make claims that aren't exaggerated, but there's no option for them.

Yes, you're absolutely right.

ytpe2r5bxkn0c1

Zaph wrote: »

Poll needs another option. Plenty of people make claims that aren't exaggerated, but there's no option for them.

Same here, but no poll option.

Rubberchikken

ove never made one.
and wouldnt if i had to.

NickNickleby

I've made 3 insurance claims in my life

1. Car broken into and driven off. Claimed for replacement of window (which I had to fund up front) and stolen tapes (god, cassette tapes, 1976!) People were suggesting I add golf clubs and stereo to the claim. Naturally I didn't.

2. Rear ended in Fairview. Claimed for bumper repair about £200-300 I think. Got whiplashed, but it was gone in a week so was happy with the outcome. No personal injury claim - I attended public A&E and it cost nothing at the time.

3. Car stolen and rallyed on Gravel base of unfinished motorway. Car destroyed by a gazillion stone chips and broken steering lock and buckled rims. Gave it to an assessor, brought it to an approved body shop and got back a nice shiny car. No cost to me, no profit.

4. Rear ended in Talbot St. Van driver horrified that he'd lose his job. Said, go on , forget about it. Later discovered floor in boot was out of shape. Hey ho! Karma will reward me.

5. Rear ended on Oscar Traynor. Brought car to garage for safety check. All good apart from small dent and broken light cluster. Got them to replace cluster, then gave bill to miserable swine who complained about the price. Told him my neck was hurting, so he paid up. If it happened again, I still wouldn't screw him. Hopefully it'll be a case of 'pass it on'.

Driving since 1973, in case anyone thinks I've a bit of a record of rear endings.

branie2

Never done it.

SEPT 23 1989

Never made a claim even when I really should have

Brought up that way

Bad money and all that

Mad_maxx

Have my first ever claim in at the moment, personal injury

Not if they offer me a million would I take it if I could instead go back in time and prevent the injury from having happened in the first place.

JohnnyFlash

No

theguzman

Travel insurance refused to pay me out a number of years ago for theft of $200 value after a fierce battle including the Financial ombudsman sided with them.

Nailed them to the cross on a different claim (medical related) a few months later on the same policy. I am so fedup with the way we are being ripped off that if I ever get into an accident I will sue for as much as possible because of what the industry is doing to everyone.

fryup

MarkY91 wrote: »

I made a claim and was extremely honest during the whole thing.

i take it you're a Protestant?

100% of people with whiplash injuries never see a doctor or consultant about their injury after their claim is settled.

Akrasia

I was side swiped at a roundabout by someone trying to drive the whole way around in the outside lane. I should have claimed but I let him off because I managed to avoid him and it looked like only a scratch. I ended up having to pay hundreds for a new headlight

Another time an elderly woman tried to do a u turn on a road without properly looking and ran into the back of my newly bought car denting and scratching the wheel arch, again it would have been much worse if I hadn’t taken evasive action just in time. Took the car to a body shop. Got a quote of 400 euros and she paid that herself rather than claim off her insurance

I probably would have let her off too except I was annoyed cause I had my kids in the car and they could have gotten hurt if I hadn’t noticed her moment of madness just as she started driving straight at me.

Those are the only two collisions I have had in 20 years of driving... apart from that swan I hit when an we jut parked his car in the overtaking lane of a motorway to look at a swan walking along the central reservation

pgj2015

theguzman wrote: »

Travel insurance refused to pay me out a number of years ago for theft of $200 value after a fierce battle including the Financial ombudsman sided with them.

Nailed them to the cross on a different claim (medical related) a few months later on the same policy. I am so fedup with the way we are being ripped off that if I ever get into an accident I will sue for as much as possible because of what the industry is doing to everyone.

You are one of the greatest patriots of our time:rolleyes:

BrokenArrows

I had a motorbike stolen and got about 700 more than it was worth. But I didn't have anything to do with the payout. They decided on the value.

Kinda meaningless as I paid a higher premium of about 300 a year for the next 5 years because of the theft. So they make their money back regardless.

HamSarris

Yes my horse was rear-ended by a Garda patrol car