Insurance Imvestigator

[daa]

Have agreed to meet with investigator working for insurance company ~ now having second thoughts.

 

1. Having given the Police a statement under caution, what can he hope to achieve?

2. Is he going to try and find a way so the insurance company doesn't pay out?

3. Am I required, by law, to make a statement to this investigator?

[unclebulgaria67]

They won't deal with your claim, unless you comply with reasonable requests. Many claims are subject to investigatory interviews. They are to obtain facts by asking questions. As long as you answer questions honestly then you have nothing to worry about. The people who end up with more of a problem are those who try to be clever, by not answering questions simply as they are asked. The Insurers will check information against any Police report they might receive. If it ever ends up in Court e.g third part claim, then the Insurers have your information directly from you.

 

You have not given much info as to why you were interviewed under Police caution or about the claim situation, so i have not asked, as you might not want to provide information.

[Slimm]

In most cases a statement to an insurance investigator will go into much more detail (about 4 times more) than one to the police. If the statement to the police was a roadside one then its more like 10 times more. The questions asked will be slightly different too, naturally the police are only interested in whether the law was broken.

 

Compliance with this request is almost certain to be a term/condition of the policy you took out. If you break your contract then your insurers may refuse to indemnify you.

 

If you've seriously breached your policy (ie, driving without a valid licence) then yes, obviously the investigator will tell the insurers to limit their expenses, however declining to assist will do the same thing or worse. If you've been largely honest then all it costs you is 30 minutes, a cup of tea and a jammy dodger. They're not going to be looking to stitch you up just because you made a human error like not checking your blind spot very well.

 

You are absolutely not required by law to assist, but it's almost certainly a good idea financially to do so, especially if you are disputing liability for the accident.

[daa]

Thanks a lot for your answers. Much appreciated.