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harassment and the big car insurance company con

Comment 18th August 2010

my neighbour is harrassing me, i allege.  i have no proof but a long dispute with this madman has entailed that things have been scratched on my car and now my aeriel has been broken off.  i know it is him and he is aware that if he does one thing in one rare moment then the likelihood of me catching him on camera is rare.  GHowever we should look at why he is attacking my car as part of a hate crime/harrassment.  The car insurance company – when i told them that the vandalism had occurred helped with the repair and i paid a usual excess of £200, however when i came to renew the insurance the car was reinsured for over £600 more because they said I had now lost the no claims bonus due to this thing.  I insist that if the police are called in then they insist on criminal damages inorder to act – and quizzing local residents it became clear that not only was this damage to a car unheard of but no one had ever had this happen in the street before.  my solicitors writing to the neighbour about his land acquisition of my garden indicated that without real evidence he was acting on my car then i could do nothing.  so in total the neighbour has caused me to lose £800 simply by using the fact that the insurance companies are misusing the vandalism on my car for the gain of profits.  I was not advised by them to effect the repair myself which would have simply cost £200 anyway.  Effectively the insurance comapny is laughing all the way to the bank as it is the insurance company that wins from this situation and the harrasser.  isnt it time we quizzed whether the insurance company should be aiding and encouraging harrassment and vandalism in this manner at all.

his nuisance neighbour as well was asked by me to go to a free mediation service before entering into costly legal actions, but he ignored this because – once again – the insurance companies can provide legal expenses cover for people such as him as long as he claimed i was injuring his property.  however after wasting months of my life – and stopping the buidling of a drive that would have enabled my elderly mother in a wheelchair to access the drive /house – we simply went to a lawyer who then said to his legal expenses lawyers that they should provide evidence of his claims before we do a thing more,  and this cost me £300, and him nothing.  Their lawyer – we have no doubt – has no evidence at all for his claims but simply because i did not have legal support – pretended he was in the right.  We have no notification of what the lawyer firm now intends as we presume they have and never ever had bothered to ask their client to provide evidence.  And so he has now cost me another £1100 – without any genuine or reasonable cause but simply because the legal expenses insurance providers and car insurance comapnies penalise the victims of harrassment financially and not the perpetrators. 

 

Isnt it time we began to question if the harrasment of neighbours and vandalism they perpetrate on others vehicles is linked to the profit margins of car insurance companies?

 

Why does this matter?

 

Isnt it time we began to question if the harrasment of neighbours and vandalism they perpetrate on others vehicles is linked to the profit margins of car insurance companies?


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