I haven't mentioned this before, as I seem to be doing enough moaning about all the house sale setbacks!
You may remember me having a bump in my car, back in December 2019. My car, due to its age was written off because of the damage at the front. The bigger more substantial car I ran into the back of looked undamaged, but in fact needed new rears sensors and bumper.
I always admitted it was my fault. Momentary lapse of concentration on a big slow queue of stop-start traffic.
The woman got out of the car immediately, asked me quite crossly what happened but calmed down straight away. We were obviously both a bit upset and shaken, but all was calm and civilised and she even gave me a hug after we exchanged phone numbers.
All over and done with. I had to get a new car, but the reason it was written off was it was so old it wasn't worth the repair costs. I was due to replace the car, so that was that.
A couple of weeks ago we had a letter from Keogs, a company who you are referred to by your insurance company when a claim can't be settled.
The original claim for the minimal damage to her car had been settled long ago.
Apparently a little while after the accident she tried to claim for injury. Injury so bad that she can't work, had to have a carer, and has a fear of travel.
The insurance company don't think this is genuine, and neither do I. The insurance company have been dealing with her over this all this time. As they cannot reach a conclusion Keogs are now called in who act on our behalf (via Insurance company)
They are looking into all her claims and medical reports etc.
It seems she says she hasn't worked for two years, so how she can claim to be off work due to the accident is a puzzle to us all.
Also she was straight out of the car, no sign of injury. I also have texts from her a day later telling me about the damage to the car, and no mention at all of any injury to herself (I think she is claiming it came on four hours after the accident!)
I now have a copy of her claims and the reasons the insurance company are not happy to pay out.
She is claiming that she now has a fear of travel dating back to the accident date. However the insurance company suspected she went on holiday the following day! I can confirm this as I have a text from her two days later (December 19th) saying she would get back to my insurance people on 27th, as she was on holiday!
I have forwarded texts to the lady at Keogs who is handling our case
I will paste what she has claimed for
PARTICULARS OF SPECIAL DAMAGE
Travel Expenses - £48.60
25. This is denied. This is wholly unparticularised by the Claimant. The Claimant is required
to evidence the travel expenses incurred and to particularise each journey undertaken
and whether the same were required as a direct result of the index road traffic accident.
Nerve Conduction Studies - £900.00
26. This is denied. The Defendant repeats paragraph 22 of this Defence.
Care Services - £2511.20
27. This is denied. The Claimant is put to strict proof as to the requirement of any assistance
as a direct result of the injuries reported to have been sustained/ exacerbated by the index road traffic accident (which are denied). The Defendant notes the Claimant reports
being unable to work for a period of 1 year prior to the index road traffic accident. The
Defendant requires the Claimant to disclose any restrictions in carrying out domestic
chores prior to the index accident occurring and to confirm how her ability to carry out the domestic chores changed as a direct result of the index road traffic accident
3. It is further noted that the Claimant reported to Dr Qureshi a fear of travel post accident.
However, the Claimant reported to the Defendant that she was to go on holiday one day
post accident. The Claimant is required to disclose whether she went on holiday.
24. The Defendant repeats that the Claimant is hereby requested to disclose a complete
copy of her full medical records, or alternatively to provide appropriate Forms of Authority
in order to enable the Defendant to obtain them. Upon receipt of those records, the
Defendant reserves the right to ask written questions of Mr Alcelik pursuant to CPR Part
35.
You may remember me having a bump in my car, back in December 2019. My car, due to its age was written off because of the damage at the front. The bigger more substantial car I ran into the back of looked undamaged, but in fact needed new rears sensors and bumper.
I always admitted it was my fault. Momentary lapse of concentration on a big slow queue of stop-start traffic.
The woman got out of the car immediately, asked me quite crossly what happened but calmed down straight away. We were obviously both a bit upset and shaken, but all was calm and civilised and she even gave me a hug after we exchanged phone numbers.
All over and done with. I had to get a new car, but the reason it was written off was it was so old it wasn't worth the repair costs. I was due to replace the car, so that was that.
A couple of weeks ago we had a letter from Keogs, a company who you are referred to by your insurance company when a claim can't be settled.
The original claim for the minimal damage to her car had been settled long ago.
Apparently a little while after the accident she tried to claim for injury. Injury so bad that she can't work, had to have a carer, and has a fear of travel.
The insurance company don't think this is genuine, and neither do I. The insurance company have been dealing with her over this all this time. As they cannot reach a conclusion Keogs are now called in who act on our behalf (via Insurance company)
They are looking into all her claims and medical reports etc.
It seems she says she hasn't worked for two years, so how she can claim to be off work due to the accident is a puzzle to us all.
Also she was straight out of the car, no sign of injury. I also have texts from her a day later telling me about the damage to the car, and no mention at all of any injury to herself (I think she is claiming it came on four hours after the accident!)
I now have a copy of her claims and the reasons the insurance company are not happy to pay out.
She is claiming that she now has a fear of travel dating back to the accident date. However the insurance company suspected she went on holiday the following day! I can confirm this as I have a text from her two days later (December 19th) saying she would get back to my insurance people on 27th, as she was on holiday!
I have forwarded texts to the lady at Keogs who is handling our case
I will paste what she has claimed for
PARTICULARS OF SPECIAL DAMAGE
Travel Expenses - £48.60
25. This is denied. This is wholly unparticularised by the Claimant. The Claimant is required
to evidence the travel expenses incurred and to particularise each journey undertaken
and whether the same were required as a direct result of the index road traffic accident.
Nerve Conduction Studies - £900.00
26. This is denied. The Defendant repeats paragraph 22 of this Defence.
Care Services - £2511.20
27. This is denied. The Claimant is put to strict proof as to the requirement of any assistance
as a direct result of the injuries reported to have been sustained/ exacerbated by the index road traffic accident (which are denied). The Defendant notes the Claimant reports
being unable to work for a period of 1 year prior to the index road traffic accident. The
Defendant requires the Claimant to disclose any restrictions in carrying out domestic
chores prior to the index accident occurring and to confirm how her ability to carry out the domestic chores changed as a direct result of the index road traffic accident
3. It is further noted that the Claimant reported to Dr Qureshi a fear of travel post accident.
However, the Claimant reported to the Defendant that she was to go on holiday one day
post accident. The Claimant is required to disclose whether she went on holiday.
24. The Defendant repeats that the Claimant is hereby requested to disclose a complete
copy of her full medical records, or alternatively to provide appropriate Forms of Authority
in order to enable the Defendant to obtain them. Upon receipt of those records, the
Defendant reserves the right to ask written questions of Mr Alcelik pursuant to CPR Part
35.
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