Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: Ian101 on April 07, 2013, 10:19:06 am
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Cant go into any details on here for obvious reasons but will tell full story when I can.
Had an alledged incident a few weeks back which is TOTALLY unfounded and TOTALLY fabricated and thought nowt had come of it however gets a solicitors letter in post yesterday wanting my insurance details so they can pursue a claim - fortunately got public liability.
Will pass onto my insurer tomorrow who I contacted when this alledged incident happend.
Rather angry at the moment and need to know how these things tend to pan out if anyone has been thru this before.
When its over gonna bill this person for my time and costs and take to small claims court if they dont pay as I think this is gonna take up my time and effort for a while yet.
Scumbag solicitors and scumbag clients doing my head in.
So can anyone tell me how these things tend to pan out ?
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chances are you will loose your,business,home,divorced and end up in the street ;D..............i will give you 3 x times the value now while you can still sell it...........and thats because im your friend ;D ;D
ps....you can live in my garage and produce water for me in return for food and shelter :-*
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I dont think it will be good news mate, they will make a claim regardless of the truth.
Tony
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Cant go into any details on here for obvious reasons but will tell full story when I can.
Had an alledged incident a few weeks back which is TOTALLY unfounded and TOTALLY fabricated and thought nowt had come of it however gets a solicitors letter in post yesterday wanting my insurance details so they can pursue a claim - fortunately got public liability.
Will pass onto my insurer tomorrow who I contacted when this alledged incident happend.
Rather angry at the moment and need to know how these things tend to pan out if anyone has been thru this before.
When its over gonna bill this person for my time and costs and take to small claims court if they dont pay as I think this is gonna take up my time and effort for a while yet.
Scumbag solicitors and scumbag clients doing my head in.
So can anyone tell me how these things tend to pan out ?
Calm down and take a deep breath. Anger will not help.
Pass it to your insurers. They will ask a series of bone-headed questions of you. Answer them calmly; why raise your own blood pressure?
Write back to the solicitor simply stating that the matter's now in the hands of your insurers and that all correspondence must now be between them and the insurer.
Wait. Answer more boneheaded questions. Stay calm. It's not personal, it's business.
Either your insurer will pay out or not. Live with it.
Forget any ideas of suing for wasted time or whatever; you won't win.
STAY CALM. This is why you pay your liability premiums, so that you don't have to waste any emotional energy on the matter.
Vin
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I feel for you fellah- its summat we all fear. I heard a story from a mate of an unfounded claim,she had to cough for 1500 ,premiums went up but not by much ,she has employees
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Cant go into any details on here for obvious reasons but will tell full story when I can.
Had an alledged incident a few weeks back which is TOTALLY unfounded and TOTALLY fabricated and thought nowt had come of it however gets a solicitors letter in post yesterday wanting my insurance details so they can pursue a claim - fortunately got public liability.
Will pass onto my insurer tomorrow who I contacted when this alledged incident happend.
Rather angry at the moment and need to know how these things tend to pan out if anyone has been thru this before.
When its over gonna bill this person for my time and costs and take to small claims court if they dont pay as I think this is gonna take up my time and effort for a while yet.
Scumbag solicitors and scumbag clients doing my head in.
So can anyone tell me how these things tend to pan out ?
Calm down and take a deep breath. Anger will not help.
Pass it to your insurers. They will ask a series of bone-headed questions of you. Answer them calmly; why raise your own blood pressure?
Write back to the solicitor simply stating that the matter's now in the hands of your insurers and that all correspondence must now be between them and the insurer.
Wait. Answer more boneheaded questions. Stay calm. It's not personal, it's business.
Either your insurer will pay out or not. Live with it.
Forget any ideas of suing for wasted time or whatever; you won't win.
STAY CALM. This is why you pay your liability premiums, so that you don't have to waste any emotional energy on the matter.
Vin
totally agree just make sure you have all relevant risk and method statements and proof these where being followed as your insurance will ask for them, the process will probably be dragged out for between 6 to 12 months and unless you have absolute proof the accident didnt occur they will get something plus the scumbag solicitors will make money out of it, we had a bogus claim by an employee we TUPED over on a job fortunately he was so dumb he changed his story numerous times and told numerous lies on the medical we had to pay to send him on so he did not recieve a payout the downside we still had to pay his wages for about 3 months whilst he was on suspension from work.
it is easy to say dont let it wind you up but i know it does but as already been said although the situation is unjust at least your insured and let them deal with it
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Expect to see more of this kind of thing!
If the police can sue people who dial 999 to report a crime then the genie is definitely out of the bottle!!!!!!
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Why do so many offer advice when not knowing the facts fo this case.
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Why do so many offer advice when not knowing the facts fo this case.
not really advice their offering more of how these things tend to go ........ some helpful points thus far such as making sure all H&S paperwork in place .......... which it is.
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Expect to see more of this kind of thing!
If the police can sue people who dial 999 to report a crime then the genie is definitely out of the bottle!!!!!!
mad world :(
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Insurance companies aren't stupid and will probably send someone round to look at the damage anyway.. if its a load of bull they will probably suss it out.
I had one a few years back saying id soaked there ceiling :s noticed the bathroom was above she acussed me of all sorts saying the wfp had done it little did she no only about 1 litre is used per window.. she was thinking it was more of a pressure washer ::)roll .. last thing i heard was she wanted my insurance details which didn't give her!! and then said she was going to get a building surveyor "who knows what there talking about" apparently to look at the damage.......laffed in her face.. never heard anything again.
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You don't need written risk assessments or method statement if you have under 5 employees.
We had a employee try to make bogus claim our insurance companies lawyers where all over it like a rash soon got kicked into touch .
Ian don't worry let the insurance co do their job.
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You haven't indicated what type of claim they are making. Are they saying you damaged something?
If so it's like going through your car insurance, dont admit to anything and leave it with the insurers.
If it's personal harm I've never had that sort of claim.
When I broke a one off piece of art my insurers said the process was that the householder gad to get it repared or remade and then claim.
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personal injury claim
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You don't need written risk assessments or method statement if you have under 5 employees.
We had a employee try to make bogus claim our insurance companies lawyers where all over it like a rash soon got kicked into touch .
Ian don't worry let the insurance co do their job.
hmmm never knew that .......... would have saved a lot of time but prob better having them than not esp now with this going on.
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See what their advice is. They won't want to pay out if there is the slightest inconsistency.
It's often good to have a risk assessment anyway, sometimes the Insurance Company like/require one.
All the best.
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a faker will often come undone by grossly exaggerating their injury/s . that bloke who worked for me a year ago and crashed the van started off claiming " whiplash" but within a day or 2 it had become" paralysed from the eyes down " when he fancied the big money dangled by the claim boys . if claim firms ring you up be sure to tell them you don't want to talk its ridiculous ,say nothing more- then they have doubts sown .
they knew you cant be paralysed yet still talking on the phone asking when is my cheque coming etc
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SBPF-where did you find out about the RAMS only needing to be for companies employing more than 5 people?
Does than mean sole traders don't need that kind of paperwork?
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Why do so many offer advice when not knowing the facts fo this case.
Because he asked for advice, perhaps.
And the advice I've seen (at least by the time you posted) is very general about how to deal with it.
Vin
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Just had a phone call from a recorded message:
'According to our records you may be due compensation for an accident that was not your fault.....'
Click.
What is this world coming to?
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I get them in a text message nearly everyday! does my nut in
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Question for everyone here, by the way Ian goodluck, when we get to a job and clean windows if the hose is going across pavement with no cone or safety barrier which 98% of the time it is and someone trips are we liable, i suppose yes but would the insurance still pay as safety wasnt followed.
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Question for everyone here, by the way Ian goodluck, when we get to a job and clean windows if the hose is going across pavement with no cone or safety barrier which 98% of the time it is and someone trips are we liable, i suppose yes but would the insurance still pay as safety wasnt followed.
Far better off having cones out, I never operate without two showing and I leave one by the reel and carry another with me up the road. Also the hose should be high visibility, I remember reading on The gardiners site or somewhere, that a windy got sued successfully when the hose was a dark colour. As there is no warning if it is not yellow or bright colour.
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Spoke to insurance company this morning who has told me to send letter off to them and get into no conversations if they call me.
also assured me that their solicitors wont just payout :)
itching to give the details out but gotta wait till its all sorted
Im 100% certain ive done everything correctly with RAMS / cones in line of sight / yellow hose / etc etc so will tell all when I can as may serve useful to others on here as to how to handle a claim.
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It doesn't matter what the truth is, it only matters what you can prove.
Everything else is "your word against theirs", and that usually results in an out-of-court settlement.
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I hope insurance companies man up and fight claims more rather than taking the easy "let's settle" way out.
I had a cracker back in 1996 - I was a director of my own office equipment business and thus an employee too. I was giving a lift to "an old soldier" "friend" of mine in my "company car" and I was waiting in a queue of traffic to turn right.
An uninsured scrote in an old Escort hares round the bend loses it and gives my Sierra a mighty thump in the front right wing/headlamp area. He get's out with blood streaming from a head wound and staggers off never to be found. Old boy (aged 80) gets a bit of a shock and is checked out by the ambulance and taken home.
Within a week old boy (walking and talking fine by the way) is giving ME grief and wants my insurance details! I tell him and them it wasn't my fault and I hoped they wouldn't pay the scrounger.
Old boy keeps phoning me up; I remind him that he doesn't seem injured to me and how I've helped him in the past with lifts and I'm dismayed he is trying to sue me, that it wasn't my fault and did he really think I'd give him a lift to the hospital or shops again?
In the end I spoke to a fellow jw who "knew insurance" who helped the old boy put a claim into the Motor Insurance Bureau for uninsured losses. I think he got £1500.
Left a bad taste that one.
::)roll
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Obviously your fault for driving a Sierra!
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I hope insurance companies man up and fight claims more rather than taking the easy "let's settle" way out.
I had a cracker back in 1996 - I was a director of my own office equipment business and thus an employee too. I was giving a lift to "an old soldier" "friend" of mine in my "company car" and I was waiting in a queue of traffic to turn right.
An uninsured scrote in an old Escort hares round the bend loses it and gives my Sierra a mighty thump in the front right wing/headlamp area. He get's out with blood streaming from a head wound and staggers off never to be found. Old boy (aged 80) gets a bit of a shock and is checked out by the ambulance and taken home.
Within a week old boy (walking and talking fine by the way) is giving ME grief and wants my insurance details! I tell him and them it wasn't my fault and I hoped they wouldn't pay the scrounger.
Old boy keeps phoning me up; I remind him that he doesn't seem injured to me and how I've helped him in the past with lifts and I'm dismayed he is trying to sue me, that it wasn't my fault and did he really think I'd give him a lift to the hospital or shops again?
In the end I spoke to a fellow jw who "knew insurance" who helped the old boy put a claim into the Motor Insurance Bureau for uninsured losses. I think he got £1500.
Left a bad taste that one.
::)roll
that's bloomin terrible, after id got over the initial shock id have likely given him the phone number of a telecom provider and told him that's who im insured with and let them hound him.