Travellers scamming insurance

There are two types of insurance fraud.

Makey uppy ones like this and ones where an incident had occurred but people embellish and exaggerate their ailments.

Unfortunately its the latter that is the major problem with insurance currently which is why fraud is so difficult to prove in most cases.

The other major issue is peoples willingness to claim.

I heard about a case recently where a young lady attended a gymnastics camp and got a bump on her head during it. A fairly natural and possible occurrence when indulging in such activities. Her mother brought a claim against the insurers of the person running the class. The instructors were appropriately experienced and qualified. The legally required number of staff were present during the class. No medical treatment in the immediate aftermath or the following weeks was required. Yet mammy still tried to bring a case.

That's what insurers and businesses are up against.

The case was rightly thrown out by the judge but the insurer still has the costs of investigating and defending against the claim.

Or the incident where a Chung wan fell while on a night out and broke her ankle, she tried to sue the Wright venue claiming the floor was wet, despite other witnesses stating it wasnt, the claim still made it to court so again, the investigation and defence costs were most likely into a 5 figure sum. This case was thrown out too.

Sometimes an accident is just that, an accident but we have fostered a culture of blame where personal accountability be damned, I want money.

The tide is turning I believe and the ideal would be for solicitors to look at cases objectively and make the moral call and choose to not represent frivolous or suspect claims but at the end of the day, they don't care because win or lose they will get paid handsomely for their time.