Scumbags and the claim culture

qo2cj1dsne8y4k · 07-01-2014 03:20AM #1

So, I was over at a friends house tonight. I was chatting with her OH who was telling me about a friend of his that was in a car accident recently.

This friend was trying to organise some people to be in his car to deliberately be involved in a car crash. Friends OH was offered money if he would be in the car when it crashed. Friends OH declined the kind offer, but over the weekend his friend was in an accident. He crashed into cows, that were let out of the field onto the road, and then were crashed into. As far as I know the driver is in the hospital still, but is happy out as apparently this will help his claim.

Had no idea this was even a thing, am disgusted that there are such disgusting self entitled and nasty people out there.

somuj · 07-01-2014 03:26AM

Happens all the time. I know of a few lads who let a load of donkeys out of a field then crashed their car in the hedge beside and got almost €100,000 between them.

Daqster · 07-01-2014 03:43AM

How is happy out if he is still in hospital?

osarusan · 07-01-2014 03:45AM

Daqster wrote: »

How is happy out if he is still in hospital?

The longer he stays in hospital, the bigger his eventual claim, I suppose.

qo2cj1dsne8y4k · 07-01-2014 03:48AM

Daqster wrote: »

How is happy out if he is still in hospital?

I presume the longer they keep him the more injured he thinks he is!
http://tinypic.com/r/zinb0k/5

Peter T · 07-01-2014 03:58AM

Didnt know it was common here but its huge in russia (Hence all the dash cam vids) . Seems stupid to risk your life for a claim.

RDM_83 again · 07-01-2014 04:03AM

LexieOnRale wrote: »

He crashed into cows, that were let out of the field onto the road, and then were crashed into. As far as I know the driver is in the hospital still, but is happy out as apparently this will help his claim.

Had no idea this was even a thing, am disgusted that there are such disgusting self entitled and nasty people out there.

Did he actually hit the cows? Saw an artic that hit a cow at speed years back and there was some serious damage to it, I can only imagine what hitting something the size of a cow would do to a normal car.

For the later part, yes its rife, possibly even more so up North, I can't find the Derry news paper article but a few years back that got found out because there was 10 people involved in a crash (5 in each car) each of them apparently injured but when the cops turned up there was no damage to the cars and no skid marks, at least this guy had the smarts to actually crash his car.

qo2cj1dsne8y4k · 07-01-2014 04:05AM

Yes he hit the animal but I've no idea how fast he was going,

Sir Arthur Daley · 07-01-2014 04:27AM

They will have no luck for it, the wheel always turns.

Zebra3 · 07-01-2014 05:13AM

Thought this thread was about ex-FFers claiming their pensions.

qo2cj1dsne8y4k · 07-01-2014 05:35AM

Zebra3 wrote: »

Thought this thread was about ex-FFers claiming their pensions.

:rolleyes:

Seriously, just one thread, that isn't a government bashing thread?? Just one.

Billy86 · 07-01-2014 05:48AM

RDM_83 again wrote: »

Did he actually hit the cows? Saw an artic that hit a cow at speed years back and there was some serious damage to it, I can only imagine what hitting something the size of a cow would do to a normal car.

In some very rural parts of Nova Scotia, Canada where traffic lights and street lights are limited, one of the main causes of death is cars hitting moose at night. Obviously much bigger than a cow, but apparently the results are quite similar to driving into a brick wall.

Not gruesome or crash pics, just gives you an idea of the size of them:
http://www.skinnymoose.com/bbb/files/2007/02/moose-logging.jpg
http://files.coloribus.com/files/adsarchive/part_140/1408755/car-accessories-store-moose-600-88702.jpg

prince of peasants · 07-01-2014 05:52AM

LexieOnRale wrote: »

So, I was over at a friends house tonight. I was chatting with her OH who was telling me about a friend of his that was in a car accident recently.

This friend was trying to organise some people to be in his car to deliberately be involved in a car crash. Friends OH was offered money if he would be in the car when it crashed. Friends OH declined the kind offer, but over the weekend his friend was in an accident. He crashed into cows, that were let out of the field onto the road, and then were crashed into. As far as I know the driver is in the hospital still, but is happy out as apparently this will help his claim.

Had no idea this was even a thing, am disgusted that there are such disgusting self entitled and nasty people out there.

You should be more disgusted by how much profit insurance companies make every year. What sense would there be having insurance companies if they were not paying out compensation to people?

When it comes to motor insurance, we don't have a choice as to whether we want to pay it or not. The government places a legal obligation on us to pay it and if we don't we go to jail. The insurance companies profit from this legal obligation and I fail to see how those who claim against insurance companies are the 'scumbags'.

If you see the whoops you have to jump through to get money from an insurance company following an accident which wasn't your fault you will see who the real scumbags are.

thestar · 07-01-2014 06:01AM

prince of peasants wrote: »

You should be more disgusted by how much profit insurance companies make every year. What sense would there be having insurance companies if they were not paying out compensation to people?

When it comes to motor insurance, we don't have a choice as to whether we want to pay it or not. The government places a legal obligation on us to pay it and if we don't we go to jail. The insurance companies profit from this legal obligation and I fail to see how those who claim against insurance companies are the 'scumbags'.

If you see the whoops you have to jump through to get money from an insurance company following an accident which wasn't your fault you will see who the real scumbags are.

Please don't tell me you are defending this? The reason why we have to jump through hoops to get our money is because of scum like these lads that deliberately drove into animals and are scamming the system. People like these are also increasing the money you pay for your insurance

Paddy Cow · 07-01-2014 06:01AM

prince of peasants wrote: »

You should be more disgusted by how much profit insurance companies make every year. What sense would there be having insurance companies if they were not paying out compensation to people?

When it comes to motor insurance, we don't have a choice as to whether we want to pay it or not. The government places a legal obligation on us to pay it and if we don't we go to jail. The insurance companies profit from this legal obligation and I fail to see how those who claim against insurance companies are the 'scumbags'.

If you see the whoops you have to jump through to get money from an insurance company following an accident which wasn't your fault you will see who the real scumbags are.

Say what? Would it be ok for me to go and rob a bank as it's the bankers fault we are in recession? Course not. They just pass the cost back onto the customer. Same with insurance companies. The scumbags who make false claims are a reason why companies end up raising premiums and making it harder to have a genuine claim processed.

prince of peasants · 07-01-2014 06:10AM

thestar wrote: »

Please don't tell me you are defending this? The reason why we have to jump through hoops to get our money is because of scum like these lads that deliberately drove into animals and are scamming the system. People like these are also increasing the money you pay for your insurance

I'm not defending it but I think the OP is implying that all people who claim are scumbags which isn't the case.

Insurance companies make ridiculous profits and there's no justification for the profits they make considering we're obliged to pay for it by law!

Paddy Cow wrote: »

Say what? Would it be ok for me to go and rob a bank as it's the bankers fault we are in recession? Course not. They just pass the cost back onto the customer. Same with insurance companies. The scumbags who make false claims are a reason why companies end up raising premiums and making it harder to have a genuine claim processed.

WHat's wrong with robbing a bank? They've robbed the Irish exchequer of billions.

Paddy Cow · 07-01-2014 06:20AM

prince of peasants wrote: »

WHat's wrong with robbing a bank? They've robbed the Irish exchequer of billions.

I already answered that.

Paddy Cow wrote: »

Say what? Would it be ok for me to go and rob a bank as it's the bankers fault we are in recession? Course not. They just pass the cost back onto the customer. Same with insurance companies. The scumbags who make false claims are a reason why companies end up raising premiums and making it harder to have a genuine claim processed.

prince of peasants · 07-01-2014 06:24AM

The customer/taxpayer picks up the tab for everything. Makes no difference if this was happening. It's just an excuse used by insurance companies to justify robbing us.

osarusan · 07-01-2014 06:26AM

prince of peasants wrote: »

I'm not defending it but I think the OP is implying that all people who claim are scumbags which isn't the case.

The OP is clearly implying that people who deliberately set up accidents to manufacture claims are scumbags, not everybody who claims. it's not logical to come to any other conclusion.

prince of peasants wrote: »

WHat's wrong with robbing a bank? They've robbed the Irish exchequer of billions.

This is just idiotic.

Billy86 · 07-01-2014 06:28AM

prince of peasants wrote: »

You should be more disgusted by how much profit insurance companies make every year. What sense would there be having insurance companies if they were not paying out compensation to people?

When it comes to motor insurance, we don't have a choice as to whether we want to pay it or not. The government places a legal obligation on us to pay it and if we don't we go to jail. The insurance companies profit from this legal obligation and I fail to see how those who claim against insurance companies are the 'scumbags'.

If you see the whoops you have to jump through to get money from an insurance company following an accident which wasn't your fault you will see who the real scumbags are.

Insurance is the concept of the collective putting money in a pot that an individual can take out from if they are in a position of need - the more money coming out of the plot (claims), the more than must go in (premiums). Having worked in insurance, I strongly agree that the industry rips off consumers in Ireland (though it also absolutely is a necessity for it to be a legal obligation for so many obvious reasons I shouldn't even have to mention them), but the more claims that come out the more the base cost before any ripping off occurs must go up by default.

People who make these kinds of false claims absolutely are scumbags, especially since the claims they make typically are against someone else's policy rather than their own.

prince of peasants · 07-01-2014 06:31AM

osarusan wrote: »

This is just idiotic.

Idiotic you say? When a bank runs out of money it gets bailed out. When a person gets into mortgage arrears he/she gets kicked out of his home not considering he may of payed tax for 30-40 years some of which is used to bail out the very bank which is kicking him out of his home?

If you can justify that you can justify robbing a bank.

osarusan · 07-01-2014 06:44AM

prince of peasants wrote: »

Idiotic you say?

Yes, idiotic, I say.

Paddy Cow · 07-01-2014 07:05AM

prince of peasants wrote: »

Idiotic you say? When a bank runs out of money it gets bailed out. When a person gets into mortgage arrears he/she gets kicked out of his home not considering he may of payed tax for 30-40 years some of which is used to bail out the very bank which is kicking him out of his home?

If you can justify that you can justify robbing a bank.

Nobody is trying to justify banks getting bailed out

You are the one trying to justify scumbags making false claims by somehow thinking that the scumbag is getting one up on the company. You seem to miss the point that it's not the insurance companies or scumbags who will suffer. The cost of the false claim is passed onto customers in general and the person who had the false claim made against them will have huge increases in their premium.

There is no justification for people deliberately letting animals out of fields and crashing cars to make a false claim.

Phill Ewinn · 07-01-2014 08:24AM

Insurance industry isn't all full of people smelling of roses. Yer man might get caught out, ain't no-one catching out dodgy insurance companies.

Arent we still payng out for a foreign insurance company because it was trading illegally? Isn't your insurance levy a crime against you OP?

stefan idiot jones · 07-01-2014 08:25AM

A little off topic but I used to work with a foreman about fifteen years ago who had previously spent some time working in Florida.

He was a joiner working for a company during the week and he started doing some nixers on the weekend.

I don't know how long he lasted doing nixers as he was scared off as (it is well known over there by all accounts) the customers he would do jobs for would purposely seek out something they could trip over or hurt themselves on just so they could put in a claim against you.

He said the money it cost him to get insurance and the worry of the assholes looking for claims put him off the weekend work. It frightened the life out of him.

God bless America/UK/Ireland/Australia.

oldyouth · 07-01-2014 08:57AM

prince of peasants wrote: »

You should be more disgusted by how much profit insurance companies make every year. What sense would there be having insurance companies if they were not paying out compensation to people?

When it comes to motor insurance, we don't have a choice as to whether we want to pay it or not. The government places a legal obligation on us to pay it and if we don't we go to jail. The insurance companies profit from this legal obligation and I fail to see how those who claim against insurance companies are the 'scumbags'.

If you see the whoops you have to jump through to get money from an insurance company following an accident which wasn't your fault you will see who the real scumbags are.

So how would you feel if there were no insurance companies and one of these cheating scumbags secured a €100,000 judgement against you in court? Do you think that would have no impact on your life?

Oh yeah, you would just tell them they're getting nothing from you. That would work

Gannicus · 07-01-2014 09:03AM

LexieOnRale wrote: »

So, I was over at a friends house tonight. I was chatting with her OH who was telling me about a friend of his that was in a car accident recently.

This friend was trying to organise some people to be in his car to deliberately be involved in a car crash. Friends OH was offered money if he would be in the car when it crashed. Friends OH declined the kind offer, but over the weekend his friend was in an accident. He crashed into cows, that were let out of the field onto the road, and then were crashed into. As far as I know the driver is in the hospital still, but is happy out as apparently this will help his claim.

Had no idea this was even a thing, am disgusted that there are such disgusting self entitled and nasty people out there.

You should report this and get him done for it.

People go mad about their insurance going up every year and its people like these that are the reason for it. He's taking up valuable HSE time and resources aswel because of something resulting from his own greed and stupidity.

Liam McPoyle · 07-01-2014 09:04AM

prince of peasants wrote: »

You should be more disgusted by how much profit insurance companies make every year. What sense would there be having insurance companies if they were not paying out compensation to people?

When it comes to motor insurance, we don't have a choice as to whether we want to pay it or not. The government places a legal obligation on us to pay it and if we don't we go to jail. The insurance companies profit from this legal obligation and I fail to see how those who claim against insurance companies are the 'scumbags'.

If you see the whoops you have to jump through to get money from an insurance company following an accident which wasn't your fault you will see who the real scumbags are.

You really dont have a clue.

Insurance companies, by law, have to keep cash reserves of up to 200% higher than what the EU minimum is in order to off set potential claims.

When people fabricate claims or exaggerate them, thats what causes the problems. Last year alone, over €100,000,000 was paid out on bogus claims.

Its unfortunate when a genuine claimant takes longer than average to get a settlement but when there is so much scumbaggery going on the insurers are well within their rights to question and investigate claims that dont quite add up, even if they are 100% genuine.

prince of peasants · 07-01-2014 09:12AM

oldyouth wrote: »

So how would you feel if there were no insurance companies and one of these cheating scumbags secured a €100,000 judgement against you in court? Do you think that would have no impact on your life?

Oh yeah, you would just tell them they're getting nothing from you. That would work

I wouldn't pay it simple as.

Billy86 · 07-01-2014 09:14AM

prince of peasants wrote: »

I wouldn't pay it simple as.

Then you'd go to jail, simple as.

oldyouth · 07-01-2014 09:14AM

prince of peasants wrote: »

I wouldn't pay it simple as.

Like I said, that would work :rolleyes:

Scumbags and the claim culture

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