Beware of persons with fraudulent insurance coverage

Motor Claim denied on the basis of fraud
If you are involved in an accident with a person in possession of fraudulent insurance documents, you claim can be denied by your insurance company.
Mr. G’s car was being driven in the Port of Spain area by a friend and was involved in a four-car collision at an intersection controlled by traffic signals. He filed a claim with the insurer of the vehicle which he believed was responsible for the accident.

He was advised by the company that it was unable to pay his claim, since its investigations revealed that the insurance certificate for the car driven by the allegedly negligent driver was obtained through fraudulent means. To all intents and purposes, therefore, there was no insurance cover at the time of the accident.

Mr. G was not prepared to accept the explanation given by the company and visited the Office of the Financial Ombudsman (OFSO) to lodge a complaint.

Upon review of all the information presented by the insurance company, the OFSO was of the view that the company was within its rights to deny liability for payment of claim and advised him accordingly. The complainant presented no further evidence to support his case against the insurer. The complaint was deemed to be without merit and was withdrawn.