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Case study – Olivia’s experience with ‘claims farming’

Three years ago, Olivia was involved in an accident. The traffic lights turned green and she was making a right turn when another vehicle ran the red light and crashed into the side of her car. Olivia had a cracked rib, whiplash and hurt her foot. As the other driver was at fault, their CTP insurer managed her claim.

“The insurer was great. They approved all my treatments, they took care of my medical expenses and I wasn’t out of pocket. And the claim was closed.”

Then Olivia started getting phone calls from a call centre in India.

“They said, we know you’ve been hurt in an accident. Do you know you can get more money? We can give you free advice and we can put you through to a law firm.”

Olivia asked where they got her details from but they wouldn’t tell her.

“They have been pestering me for two years after the car accident. They call me on my mobile phone, they call me at home.”

“I literally scream at them like a crazy woman to stop calling me. They stopped for a while. And then they started again, until my husband answered one day.”

“All insurance policies have become so expensive because people are milking the system. I was hurt, yes. My treatment was done and medical bills paid. I didn’t need to make any further claims.”

Note: Olivia’s name has been changed for privacy reasons.