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So, following an involuntary career change, I now work in motor insurance. Specificallly, I deal with claims that are non-fault, and it's my job to get the admission from the third party, and then get reimbursement of costs sorted out.

And occasionally, it falls to me to instruct Solicitors where personal injury has occured. Fair enough I guess. If they've hit you and knacked your neck, why not. For the most part.

Then...then we come to the stage where it is not only a low velocity impact, but the Third Party are disputing liability, even when it's clear from witness statements etc they are at fault, and set their lawyers on our insured. I have to deal with greedy little arseholes who despite their being no damage to either vehicle, have somehow managed to quadraspazz themselves, and want a poopload of money for it. And here comes the racist bit (something I'm not very comfortable with)....9 times out of 10, the people making these types of claims are from a very specific part of the world. And are followers of Mohammed.

They really are arseholes when it comes to the chance of free money. There is one particular case I nearly hung up on. It's not our clients fault, but the people in the other car perished in the incident. This means until a Police Report is concluded, we can't do anything on our side. After all, if it was a heart attack that bumped them off, causing the crash, they we cannot hold them at fault. If it was a stupid manouvre and the crash shuffled them off this mortal coil, then we can pursue the claim. To be honest, I find it a little distasteful to claim from the dead, but it has to be done. Yet this guy is constantly on and on and on about his PI claim, why he doesn't want to pay his excess etc. I mean, FFS, PEOPLE DIED IN THIS CRASH. Show a little respect! He's even tried to demand we approach their family for 'reimbursement and settlement like' to 'speed things up'.

Seriously, I get to chat to other insurers most of the day, seeing what their allegations are, sending them over statements and diagrams, sometimes even pictures of the damage (you'd be surprised how many people make a statement utterly disproved by the damage to the vehicles!) and so on. And yet I am yet to see an incident of any velocity where a Muslim has not managed to quadraspazz himself, and his entire family, who just happened to be off to a midnight picnic somewhere (yup, phantom passengers ago-go!) Now it's not all of them by any means, don't get me wrong there. The 9/10 of PI claims being Muslims is not to say that's every claim involved a Muslim client. Hell, I've labelled them as muslim, and I'm not convinced their religion has made them arseholes, more they are arseholes on the who happen to share a common religion.

Man it can be depressing working in Insurance you know. But I usually pick myself up by finding a nice juicy claim and hassling the Third Party Insurer over the phone to beat them into verbal submission. Cheers me right up it does!

Weeellll...

I've never been a fan of claims culture in general, so yeah, I can understand the rage when some jerk takes it several miles too far.
As for racism, well, I don't see it to be honest. As you say, it's probably that they just happen to share a religion rather than the religion being at fault.
The morale of this story is people are jerks when it comes to money and other people. Especially the people you have to deal with.
Not that I'm making a blanket judgement or anything.

If it's your observation, I don't assume you are making it up. Every bunch has their bad eggs, but perhaps how the bad eggs express themselves falls into categories based on race or other factors.

I don't know, personally never had problems with Muslims, it's drunk white underclass who want to beat me up (sometimes).

I dont think it is racist, you get white Muslims! It is ..er... Religionist?

I think the Muzza will do anything for money.

Considering they revere a war crazed paeodophile prophet, i am of the opinion that the vast majority have no moral fibre at all.

YMMV of course.

It's not so much having a problem with muslims as a people, as having a problem with greedy little chancers who, in my line of work, appear to be muslim with greater frequency than other groups.

And noticably, it is taxi drivers who make the most ludicrous claims. There's one, where they claim we were speeding on the round about, and hit us because of this. Where they claim they hit our client is not shown in the damage. Plus believe it or not, under the Road Traffic Act, speed usually has no bearing on fault. Plus, as you give way to the right, there own statement is proof of their negligence, as they admit to pulling out on us. Indeed, they hit the rear nearside of our vehicle, causing us to spin off to the left and into a wall very much goes against their version of events, where we impact the front of their car. Laws of physics alone would then prevent us hitting the wall on their left. Yet we have pictures of our vehicle actually embedded in the wall!

Gah! Though it's not their insurers to blame. One of the central tenats of insurance is to take your clients statement as truth, until such time as contrary proof is uncovered.

Oh, and the best ones is when they send us a witness statement. You see, in order to be a valid witness, in England you cannot be known to either party. The amount of statements from this particular group, taken from their passenger who denies knowing the driver is simply staggering!

I understand the whole claims culture we are in now, and I suppose it may be a coincedence that the same religion and circumstances link these people etc, but on the other hand, it could also be a chance just to make a quick quid etc. Not trying to be racist in the slightest.

the people making these types of claims are from a very specific part of the world. And are followers of Mohammed

They are all from where?

Afghanistan?
Kazakstan?
Uzbekistan?
Pakistan?
India?
The Philipines?
Malaysia?
SriLanka?
Algeria?
France?
Egypt?
The sudan?
The Yemen?
England?
Ireland?
Scotland?
Wales?
Iraq?
Iran?
The Maldives?
Oman?
UAE?
Nepal?
Laos?
Chad?
Niger?

Or Leicester?
Birmingham?
Oldham?
Manchester?
Liverpool?
London?

Which part of the world is this scum from?

Mr Mystery wrote:Yet this guy is constantly on and on and on about his PI claim, why he doesn't want to pay his excess etc. I mean, FFS, PEOPLE DIED IN THIS CRASH. Show a little respect! He's even tried to demand we approach their family for 'reimbursement and settlement like' to 'speed things up'.

Man it can be depressing working in Insurance you know. But I usually pick myself up by finding a nice juicy claim and hassling the Third Party Insurer over the phone to beat them into verbal submission. Cheers me right up it does!

These two quotes kinda sums it up for me. It is not OK for them to push to get their settlement sorted out, even though it will affect them in monetary terms, but it is OK for you to beat someone into submission because it is "juicy" or in other terms lucrative.

There will always be people around lookng for free money. I get through access to Med Records applications and letter from solicitors all the time because people think there's fault that they slipped on ice/dog/beer/nothing so will claim for damages etc, etc ad infinitum et nauseum.

I was knocked off my motorbike in May. The guy drifted into my lane as he was rubbernecking to see an incident in a layby. Bike was in fubar'd and I was lucky to get away with just bruising. He later tried to claim against my insurance claiming I was trying to hit him through the window despite several witnesses to say he drifted and he was also on his mobile phone. The claim was sorted out in my favour, eventually, but not before all manner of weird claims came from his weird mind.

You need to chill out. If you let it affect you then all you do is lose your job shortly after you call someone a tosser. The vast majority of people will make a claim if they think they can get something.

Where you can get away with blame, claim!

I've run into trouble with people form the same region of the world. For whatever reason when I worked at Dillards we used to get lots of international guests from the airport. I've had the aforementioned type of person haggle over even the smallest thing, not take no for an answer several times in a row, try to use force of will to return used items they bought the day before which I couldn't take back, etc. I had other hagglers too of one particular race/cultural background (Mexican) but it was more of a flea market type haggling whose goal wasn't to make everyone feel horribly uncomfortable except them. I think it's partially a cultural thing too; it's expected to squeeze what you can out of something.

Cannerus_The_Unbearable wrote:I've run into trouble with people form the same region of the world. For whatever reason when I worked at Dillards we used to get lots of international guests from the airport. I've had the aforementioned type of person haggle over even the smallest thing, not take no for an answer several times in a row, try to use force of will to return used items they bought the day before which I couldn't take back, etc. I had other hagglers too of one particular race/cultural background (Mexican) but it was more of a flea market type haggling whose goal wasn't to make everyone feel horribly uncomfortable except them. I think it's partially a cultural thing too; it's expected to squeeze what you can out of something.

Pull the other one! This smells of stereo-typical hearsay!

Perhaps they flew in on magic carpets! Did they try and exchange your then squeeze for camels? Did they think cameras would steal their souls?

Do people haggle? yes they do, I see it in my job on a daily basis: Black, White, Cuban or Asian.

Do the same people go into a main stream high street shop, like Dillards,or M& Freakin S and haggle? No they do not!

I would assume that even Mexicans have high street chains?

Make what comments you will, I'm giving you actual experiences I've had. Your sarcasm is terribly confusing to say the least

TLDR rant, but racism is kinda normal. Its how you act on the feelings that dictates civility.

Elmodiddly wrote:

Mr Mystery wrote:Yet this guy is constantly on and on and on about his PI claim, why he doesn't want to pay his excess etc. I mean, FFS, PEOPLE DIED IN THIS CRASH. Show a little respect! He's even tried to demand we approach their family for 'reimbursement and settlement like' to 'speed things up'.

Man it can be depressing working in Insurance you know. But I usually pick myself up by finding a nice juicy claim and hassling the Third Party Insurer over the phone to beat them into verbal submission. Cheers me right up it does!

These two quotes kinda sums it up for me. It is not OK for them to push to get their settlement sorted out, even though it will affect them in monetary terms, but it is OK for you to beat someone into submission because it is "juicy" or in other terms lucrative.

Thing is, we indemnify, which means to return to the same state prior to the accident. You are not allowed to put someone in a better, newer car for instance. Like for like in so far as possible.
Claims are no more juicy in terms of monetary value to us for that reason. Sure, we might be looking to recover £400 on one, and £4,500 on another, but in my department we deal where it is not our fault. Where things are muddier, it goes to Liability Resolution, and where we are at fault, the aptly named Fault team deal with it. The phone calls I make usually consist of 'your insured said this. This is our witness statement, this is our engineers reports, this is our insured's statement and diagram. As you will see, the accident was your clients fault, what's your email, I'll send over our outlay'.

Whereas in any claim where a fatality is involved, we need to wait for the Police investigation to be closed, and received our copy of it, even when Fault is extremely clear. The two instances are very different! In essence, one is the third party mucking around with unnecessary delays, the other is a genuine case of 'our hands are tied for the moment'.

Not having a go at you btw! Just illustrating the legal differences between the two types of claim.

I really really hope you don't work for LV Insurance, as they screwed me!

Long and short, head on collision, Porchse Vs my MG. Porchse won. 100% his fault and he was insured with LV. My MG was a show car, top of the range ZS with every available option you can shake a stick at, modified, and immaculate. I'd spent hours on this car. I (foolishly) accepted to go through his insurance, LV. They fixed thier cliants car within a week and it was back on the road. I drove a performance sports car and was give a Ford Ka as a 'suitable' replacement. LV then decided they were not going to repair my car, they were writing it off. They offered 4,000 for a car worth closer to 7,000. All the modifications and spec were all declared onmy insurance. I could not even buy a basic model of the same age for the amount they were offering. They had non interest in anything, other than how cheap they could pay me off. So in order to gain the loss of value, I sued for injuries, as did my Wife. Both of us did go to hospital, but we were not going to bother with the whole claim thing, until LV decided not to repair my car, and give me a cheque for 3,000 less than it was worth. But that's not about your issue with the Asian population, so here's another one.................

Driving to work, waiting at lights, wasn't concentrating and 'kissed' the bumper of the car in front. They didn't even notice, I got out my car to tell them. The only damage was a cracked lense in one of my spotlights wich made contact. The driver of the other car was an Asian girl. We didn't even exchange details as there was no point.

Got home in the evening and was arrested by the Police. I'd been involved in a serious RTA (Road Traffic Accident) in which I'd fled the scene. The other car was now a write off, the girl was in hospital in severe pain with spinal and back injuries as were her 2 passengers (which were not in the car at the time of the accident). This took months to sort out. The other car had now been 'stolen', thus preventing anyone from assessing the damage to it, the only thing in my favour was the complete lack of damage to my vehicle. I don't know what happened, but my insurers did an out of court settlement with the other driver, and the following year I had to sell my car, as I couldn't afford the increased insurance costs.

I'm not saying the Asian population as a whole is bad, but their culture lends itself to this. I'm living in a muslim country now (Saudi Arabia) and its the same here only worse. The culture is 'me me me' and what can they screw from anything.

Vote BNP!

Oh look an english dude complaining about muslims ruining something. Someone get the popcorn, haven't seen this before!

We all are racist, and we can't deny it.

TheSecretSquig wrote:Vote BNP!

*Shrug* Different cultures can have different approaches to things. In Ireland, Nigereans have a seriously bad reputation for being pushy scammers. When I worked in customer service, I found the Irish to be pretty bad too, just less aggressive about it.

If this is a direct and accurate observation, then so long as you aren't implying that it's their religion that causes all or the vast majority of Muslims to crash or quadraspazz (whatever that means). Then I think your ok.


Automatically Appended Next Post:

TheSecretSquig wrote:
I'm not saying the Asian population as a whole is bad, but their culture lends itself to this. I'm living in a muslim country now (Saudi Arabia) and its the same here only worse. The culture is 'me me me' and what can they screw from anything.
Vote BNP!

Just saying Asians have a self-centred culture and ergo, all Asians are self centerd is racist.

I think there are two factors at work:

Culture (not religion): Us "first worlders" are actually in a minority when it comes to how we handle business transactions. We tend to put a price tag on things, and then the buyer decides yes or no. We haggle over some stuff, but generally it's specific things that we've decided it's ok to haggle about (cars, houses, etc.). When it comes to something like a bottle of shampoo, you buy it or you don't. In other (most) parts of the world, you haggle over everything. It's confusing if you don't. To go along with that mentality, there's a sort of "always be haggling" mentality. To the mind of a person from this sort of culture, they'd be crazy to NOT be trying to fight for their position every step of the way. It's how things are done. You would probably get the same sort of behavior off Israelis, etc.

More Culture: If you look at how "enemies" of the first world operate, they frequently take advantage of our moral code. They use "human shields," they use our legal systems, they use our guilt, etc. etc. They generally think that we can be guilted/manipulated into whatever they want. Not to derail the conversation, but look at how Americans deal with illegal immigrants across our southern border. We're certainly not NICE to them, but there's a whole raft of laws we ignore, of "dream acts" we propose, and loudly shrieked guilt at how we're evil for not giving them a free apartment the second they get over the border. I'm sure there are similar things going on in the UK, and I'm sure the immigrants see this, and think that if they're a squeaky enough wheel, some bleeding heart will make sure they get free stuff.

Really it's just basic culture clashing, and in many ways, "their" culture actually makes more sense.

I mean, if I see a $5 bottle of shampoo, and that's just too much, why is it wrong to offer $4 for it? And if you have immigration laws, why not enforce them, and why instead treat people like herovictims for breaking them?

Really it's us that's the strange ones.

A Black Ram wrote:We all are racist, and we can't deny it.

I'm not racist, I hate everyone equally and more then happy to take the mickey out of anyone regardless of race or creed. Yeah, I'm far right but doesn't me I want to burn jews or kick immigrants out of the country.
Also, I take the out of myself so no one thinks I'm playing favourites.

As a side note, voting BNP makes you a moron, not clever.

I'm living in a muslim country now (Saudi Arabia) and its the same here only worse.

Yeah, well, SA is possibly THE most racist country in the entire world. I wouldn't take it is too much of a reflection of any other culture. It's more the edge condition of human racism. It doesn't get any worse on a state level.

Phryxis wrote:

I'm living in a muslim country now (Saudi Arabia) and its the same here only worse.

Yeah, well, SA is possibly THE most racist country in the entire world. I wouldn't take it is too much of a reflection of any other culture. It's more the edge condition of human racism. It doesn't get any worse on a state level.

Oh, please. Speaking from experience are we?

ShumaGorath wrote:Oh look an english dude complaining about muslims ruining something. Someone get the popcorn, haven't seen this before!

Yeah, that whole '9/11 Victory Mosque' thing really reflected badly on us.


Wait...

In my city if it weren't for a certain minority (hahaha) Walmart would cease to be able to stay afloat. Is it a racist observation? Naw. It just so happens it's the way it works.

Pointing out the obvious doesn't make one racist, it's only when you point it out in a derogatory matter that it could be racist or prejudiced.

Accusing <insert minority here> of shopping at Walmart? Dats racist.

Fateweaver wrote:

Pointing out the obvious doesn't make one racist, it's only when you point it out in a derogatory matter that it could be racist or prejudiced.

Any racial stereotype (positive, negative or neutral) could be construed as racist. Simply being derogatory isn't the only qualifier...

Albatross wrote:

ShumaGorath wrote:Oh look an english dude complaining about muslims ruining something. Someone get the popcorn, haven't seen this before!

Yeah, that whole '9/11 Victory Mosque' thing really reflected badly on us.


Wait...

Well, played sir.