One tactic sometimes used by an opponent’s insurer, is to say that a claim is not genuine, or that the person making the claim is being less than truthful.
Presumably they hope that if a thing is said often enough, the court might start to believe it.
Accusing a person of dishonesty, is a very serious allegation. It cannot and must not be taken lightly.
Those found to have been dishonest can face a jail term. Such individuals deserve the consequences of their actions, as does anyone who helps them.
The problem arises when attempts are made to portray a genuine Claimant in a bad light.
At the beginning of a claim it is often difficult to know the full extent of a person’s injuries and how they will be affected. This makes it difficult to accurately place a value on the injuries and losses. Things become clearer as the claim progresses, when medical and other evidence is gathered. Often, it is these initial uncertainties which are sometimes exploited by an unscrupulous opponent, who will dress them up as “inconsistencies” in the Claimant’s evidence in an attempt to cast doubt upon that person’s integrity.
This happened in a recent cycle accident claim. The cyclist was injured when a delivery van owned by a well known high street retailer, veered into his path. He swerved in order to avoid being run over, crashed and was injured. The driver failed to stop although the vehicle was soon traced.
The insinuations started early on in the claim. A lot of effort was spent by the opponent alleging “inconsistencies” in the Claimant’s case, which were not supported by the evidence. Undeterred, the opponent continued to argue these inconsistencies at the Trial, against a resolute Claimant who stood their ground and maintained their position, based on the truth.
Ironically, the opponent’s van driver changed their version of events about the accident circumstances in court and ended up coming across as a less than credible witness.
On hearing the evidence, the Judge did not hesitate to decide in favour of the Claimant.
In our experience, the opponent’s representatives will typically stop just short of accusing a person of dishonesty, but go far enough with their insinuations in the hope of deterring a genuinely injured Claimant from pursuing their claim. Such conduct is underhand and must be tackled head on.
On the other hand, it seems there is little, if any, publicity about such cases where these less than genuine tactics are employed in an attempt to defeat a genuine claim.
This claim was won because it was carefully prepared and because of a genuine resolute Claimant who was determined not to be frustrated in his pursuit of justice by a crafty opponent.
Recent years have seen an increase in the popularity of dashboard cameras. Their footage tends to provide a clear and incontrovertible account of how an accident occurs. Sometimes that is not always to the benefit of the person who owns the camera, as our most recent case study will demonstrate.
In this case our client was cycling to work. She had stopped at traffic lights alongside the opponent’s 4x4 vehicle, equipped with a dash-cam. She was in a cycle lane which continued beyond the traffic lights. The junction was undergoing roadworks and there were cones and barriers narrowing the route across the junction. To make things more difficult, there was a large traffic cone sat in the middle of the narrow cycle lane in front of her. The lights changed and she set off ahead of the opponent, who then chose the narrowest point in the road at to overtake, just as she was moving over to ride around the traffic cone blocking the cycle path. She was struck by the vehicle as it accelerated past her. We know all this because it was clearly recorded on the opponent’s vehicle dash-cam.
At the Trial recently, the Judge was critical of the opponent’s decision to choose that particular moment to overtake our client. Had he chosen to wait for literally a few more seconds, the collision would not have occurred.
Under questioning, the opponent driver claimed that as a cyclist, our client should not have been riding out of the cycle lane, despite the fact there was a large traffic cone blocking her path. The Judge did not find our client to have been to blame in any way for riding out of the designated cycle lane (or using the main part of the road on which to ride) in that situation.
The end result is that the Defendant’s own dash-cam footage recorded both his impatience and also his negligent driving.
As a footnote, the Claimant had a policy of legal expenses insurance cover, yet her insurers (and their panel Firm of solicitors) assessed this case as having poor prospects of success at less than 50%. As such the insurers were unwilling to support the claim. Despite this, we were able to help our client secure a complete success and 100% recovery of damages from the opponent in this case.
This example shows that when selecting a solicitor, it is important to choose one who has an understanding of the difficulties facing those of us who ride on the public roads and who will properly assess the level of risk involved in pursuing an accident claim.