Blackburn with Darwen Council’s insurers accidentally send car damage details (From Lancashire Telegraph)
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Blackburn with Darwen Council’s insurers accidentally send car damage details
11:30am Wednesday 19th September 2012 in News
By Bill Jacobs, Local government reporter
DETERMINED Ron Cowgill
A TRAVELLING salesman is threatening legal action after his car was damaged by a pothole which Blackburn with Darwen Council said had been fixed.
Ron Cowgill was told by the council’s insurers Zurich there had been no complaints about the main road surface of Yew Tree Drive since it was repaired on February 6, 10 weeks before his incident.
But the firm then accidentally supplied him with official documents showing four other motorists had reported potholes in the same place near there the A6119 joins Preston New Road over that ‘complaint-free’ period.
Mr Cowgill, of Ramsgreave Drive, Pleckgate, said: “On April 20 I was driving from my home down Yew Tree Drive when I hit a pothole near the junction with Preston New Road where the old Moat House Hotel used to be. I normally avoided them, several of them, but someone was overtaking me so I had no choice.
“It turned out that I needed a new tyre costing me £108 and lost two days work worth £300. I am self-employed so cannot work if I have no car.
“I spoke to the council who referred me to their insurers and after a lot of phone calls got a letter from Zurich Insurance telling me I had no right to compensation as the road had been inspected on January 31 and the potholes repaired on February 6.
“I was losing the will to keep going until I noticed they said that ‘there were no reports of any other potholes prior to your accident occurring’ and then read supporting official documents they also sent to me.
“These recorded four separate reports of potholes at exactly the same place on February 24, March 8, March 15 and April 2, exactly in the period they said there had been no complaints.
“I don’t think they ever repaired the potholes because the chalk marks from the inspection were still there when I hit one of them.
“I am now considering taking this as far as I can, including legal action. They just seem to be trying to fob me off now.”
George Bell, associate director of highways at the council, said: “The matter is in the hands of the council’s insurers so we are unable to comment on the details of the case.”
Comments(32)
happycyclist
says...
11:44am Wed 19 Sep 12
makaveli96 wrote:What exactly would you like those on benefits to do? Deal with the insurance claim? Replace the guy's tyre? Wander around Blackburn with a wheelbarrow full of tarmac filling holes in?
Why arnt the people who claim benefits forced to help with such work as this?
All that will achieve is to put people out of work who already work in the insurance industry, mechanics, and highway repair teams. So once THEY'RE on benefits, what would you have THEM do?
anonther
says...
12:03pm Wed 19 Sep 12
happycyclist wrote:I think the point here is that NOBODY is fixing ALL the holes in our roads. Thus, getting in extra people to fill the balance of holes that are NOT being filled by paid operatives will not be putting anyone out of work.
makaveli96 wrote:What exactly would you like those on benefits to do? Deal with the insurance claim? Replace the guy's tyre? Wander around Blackburn with a wheelbarrow full of tarmac filling holes in?
Why arnt the people who claim benefits forced to help with such work as this?
All that will achieve is to put people out of work who already work in the insurance industry, mechanics, and highway repair teams. So once THEY'RE on benefits, what would you have THEM do?
As for wandering round with a wheelbarrow full of tarmac filling holes, this is perhaps not a bad idea. That's what used to be done and very efficent it was too.
Rather than a local example where it took 5 visits to fill 3 holes on our street.
Capita man in van to record hole and white spray round 2 holes, then gang with tarmac to fill. 8 days later Capita man again to white spray third hole 3 metres from previous location. Around comes he tarmac gang and fill hole 3. Followed by man in suit and clipboard to tick a box.
Plus the administration back in the office.
Jerzei Balowski
says...
12:10pm Wed 19 Sep 12
makaveli96
says...
12:23pm Wed 19 Sep 12
happycyclist wrote:All im saying is that the unemployed should work for there money...
makaveli96 wrote: Why arnt the people who claim benefits forced to help with such work as this?What exactly would you like those on benefits to do? Deal with the insurance claim? Replace the guy's tyre? Wander around Blackburn with a wheelbarrow full of tarmac filling holes in? All that will achieve is to put people out of work who already work in the insurance industry, mechanics, and highway repair teams. So once THEY'RE on benefits, what would you have THEM do?
EG. wash my car, clean my windows, polish my shoes, make my tea, tarmack my road etc etc......
It makes financial sense and helps me reconcile all the tax im paying in my excel spreadsheet.
mavrick
says...
12:33pm Wed 19 Sep 12
The point of the story is an insurance company has lied to avoid a fair claim. It is high time insurance companies were put under the spotlight, they have got away with not paying fair claims for too long.
Ainsybrfc
says...
12:51pm Wed 19 Sep 12
What is being reported here is completley false.
the pothole he is next to in the picture took over 3 weeks to be repaired and i use pothole loosely as it was more a canyon.
even the repair they have done ?(in the picture) is of terrible quality and will still damage cars and i doubt it will last much longer. they need to start repairing potholes properly and not just filling them in with loose gravel with a thin coat of tarmac over it....wont work.
i hope this guy sues them and wins as it might make the council take ownership and repair things properly after all it is what road tax is for!!
MJA
says...
1:07pm Wed 19 Sep 12
I can understand the claim for the tyre but why the loss of income? Can he not hire a car? Use the spare (if his car has got one)? Or even borrow a mate's car? How does he know he was going to earn £300 that day? How much of that is profit?
philtheflug
says...
1:07pm Wed 19 Sep 12
mavrick wrote:In response to the above my son works full-time for minimum wage He moved away from home in order to do so and pays his rent, his taxes and National Insurance and all his bills without help from any benefit hand-outs whatsoever.
Why do you think all people on benefits want to be there? you are obviously ignorant to the real facts of benefits. you also seem to tar everyone with the same brush, As for working for the minimum wage I suggest you try it. The point of the story is an insurance company has lied to avoid a fair claim. It is high time insurance companies were put under the spotlight, they have got away with not paying fair claims for too long.
He doesn't have a lot of spare cash and, as such, he's not able to drink or smoke or go out socialising very often.
It can be done.
I am sure he would be able to claim more in benefits than he currently earns if he were not working but he chooses not to.
Pan-cake
says...
1:16pm Wed 19 Sep 12
mavrick wrote:I think it would better to put the tar on the roads rather than on the unemployed......
Why do you think all people on benefits want to be there? you are obviously ignorant to the real facts of benefits. you also seem to tar everyone with the same brush, As for working for the minimum wage I suggest you try it.
The point of the story is an insurance company has lied to avoid a fair claim. It is high time insurance companies were put under the spotlight, they have got away with not paying fair claims for too long.
useyourhead
says...
1:26pm Wed 19 Sep 12
makaveli96 wrote:yes, they should curl them up in the holes and solve two problems at once ;)
Why arnt the people who claim benefits forced to help with such work as this?
makaveli96
says...
1:35pm Wed 19 Sep 12
Burberry by any chance?
elmo maniac
says...
1:37pm Wed 19 Sep 12
makaveli96
says...
1:40pm Wed 19 Sep 12
Bin Laidoff.
makaveli96
says...
1:43pm Wed 19 Sep 12
elmo maniac wrote:Yes but Shad currently has 100% employment
Shadsworth are still full of potholes since the floods other month. nothing has been done about it..!!
CapitaBackHander
says...
2:15pm Wed 19 Sep 12
Good luck to the guy on the cost of tyre but forget the £300 2 days lost work. IF I and I suspect all readers had 2 days work lined up for £300 profit then I would EASILY get my tyre fixed within 30 mins!
makaveli96
says...
2:25pm Wed 19 Sep 12
CapitaBackHander wrote:Eh, so you think criminals should have rights?
DON't FEED THE TROLL MAKaveli - saying ALL criminals should be killed on different story which would be perfect word. Fraud is a criminal offence and imo to say something hasn't happened for the only reason of avoiding payout is fraud. Good luck to the guy on the cost of tyre but forget the £300 2 days lost work. IF I and I suspect all readers had 2 days work lined up for £300 profit then I would EASILY get my tyre fixed within 30 mins!
HairyBowls
says...
2:27pm Wed 19 Sep 12
sen c ble
says...
3:16pm Wed 19 Sep 12
MJA wrote:For some unforeseen circumstances he could have not gone to work!
It's Keith Chegwin.
I can understand the claim for the tyre but why the loss of income? Can he not hire a car? Use the spare (if his car has got one)? Or even borrow a mate's car? How does he know he was going to earn £300 that day? How much of that is profit?
The most he will be reimbursed is the tyre and with the threat of suing, the reply will be, 'please feel free'
halfhearted
says...
5:00pm Wed 19 Sep 12
useyourhead
says...
5:33pm Wed 19 Sep 12
Jerzei Balowski wrote:Agreed! my own recent experience with a travel insurance firm upon my mothers death on holiday was similar, they told us they had written evidence from my mothers doctor that she was unfit to travel, her doctor was incensed, he promptly wrote a superb letter which corrected them and they were forced to accept that she had in fact be totally honest (the fee was 380.00 for ten days insurance so they knew she was i higher risk). they will stoop to ANYTHING so read your policies thoroughly, and don't accept a no without fully investigating, scummy is the only way i could describe their actions.
If a motorist makes a false claim it is fraud. So why is the reverse that we see here, ie. the insurer lying in an attempt to deny a valid claim, not also fraud ?
nonjob
says...
5:34pm Wed 19 Sep 12
The council repairing pot-holes?!
Don 't be silly.
They 're too busy having meetings about "social media engagement" and sending each other internal emails on whatever vanity project they're wasting tax payers' money on at present, to be concerning themselves with the real world.
w w w.nonjob.tumblr.com
cnorth62
says...
7:15pm Wed 19 Sep 12
l m h jones
says...
7:35pm Wed 19 Sep 12
makaveli96 wrote:you could also use the unemployed to check your spelling and correct your grammar
happycyclist wrote:All im saying is that the unemployed should work for there money...
makaveli96 wrote: Why arnt the people who claim benefits forced to help with such work as this?What exactly would you like those on benefits to do? Deal with the insurance claim? Replace the guy's tyre? Wander around Blackburn with a wheelbarrow full of tarmac filling holes in? All that will achieve is to put people out of work who already work in the insurance industry, mechanics, and highway repair teams. So once THEY'RE on benefits, what would you have THEM do?
EG. wash my car, clean my windows, polish my shoes, make my tea, tarmack my road etc etc......
It makes financial sense and helps me reconcile all the tax im paying in my excel spreadsheet.
sen c ble
says...
7:38pm Wed 19 Sep 12
cnorth62 wrote:...and you actually thought you were racing the French Le Mans did you!
I too have had a recent similar experience with Zurich and Blackburn Borough Council after encountering a pothole on Sunny Bank Road earlier this year. Two Alloy Wheels were damaged, one badly split and bent and the other bent. Strangely enough the pothole was inspected a few days after my loss and repaired the same day, whilst on average the council take approx 3 weeks to action any repairs following inspection, furthermore the entire stretch of road was resurfaced within weeks, see Citizen newspaper article on 13th June 2012, two weeks after my loss. Yet the Council and their insurance company still deny liability for my £500.00 loss. I too am at a loss as what to do next as taking legal action could prove costly any advise from anyone out there with a similar experience would be greatly appreciated.
cnorth62
says...
8:05pm Wed 19 Sep 12
sen c ble wrote:sen c ble, Ok I intended to put 'Advice' and not 'Advise' and my Reference to Zurich was to Blackburn Borough Council's Insurance Company not the city, which by the way is in SWITZERLAND not France my friend, perhaps a Geography lesson is in order for you
cnorth62 wrote:...and you actually thought you were racing the French Le Mans did you!
I too have had a recent similar experience with Zurich and Blackburn Borough Council after encountering a pothole on Sunny Bank Road earlier this year. Two Alloy Wheels were damaged, one badly split and bent and the other bent. Strangely enough the pothole was inspected a few days after my loss and repaired the same day, whilst on average the council take approx 3 weeks to action any repairs following inspection, furthermore the entire stretch of road was resurfaced within weeks, see Citizen newspaper article on 13th June 2012, two weeks after my loss. Yet the Council and their insurance company still deny liability for my £500.00 loss. I too am at a loss as what to do next as taking legal action could prove costly any advise from anyone out there with a similar experience would be greatly appreciated.
makaveli96
says...
8:25pm Wed 19 Sep 12
l m h jones wrote:That's sick and taking it to far! Your talking about a slave society!
makaveli96 wrote:you could also use the unemployed to check your spelling and correct your grammarhappycyclist wrote:All im saying is that the unemployed should work for there money... EG. wash my car, clean my windows, polish my shoes, make my tea, tarmack my road etc etc...... It makes financial sense and helps me reconcile all the tax im paying in my excel spreadsheet.makaveli96 wrote: Why arnt the people who claim benefits forced to help with such work as this?What exactly would you like those on benefits to do? Deal with the insurance claim? Replace the guy's tyre? Wander around Blackburn with a wheelbarrow full of tarmac filling holes in? All that will achieve is to put people out of work who already work in the insurance industry, mechanics, and highway repair teams. So once THEY'RE on benefits, what would you have THEM do?
sen c ble
says...
8:26pm Wed 19 Sep 12
cnorth62 wrote:Your alloys is not all that's bent!!!
sen c ble wrote:sen c ble, Ok I intended to put 'Advice' and not 'Advise' and my Reference to Zurich was to Blackburn Borough Council's Insurance Company not the city, which by the way is in SWITZERLAND not France my friend, perhaps a Geography lesson is in order for you
cnorth62 wrote:...and you actually thought you were racing the French Le Mans did you!
I too have had a recent similar experience with Zurich and Blackburn Borough Council after encountering a pothole on Sunny Bank Road earlier this year. Two Alloy Wheels were damaged, one badly split and bent and the other bent. Strangely enough the pothole was inspected a few days after my loss and repaired the same day, whilst on average the council take approx 3 weeks to action any repairs following inspection, furthermore the entire stretch of road was resurfaced within weeks, see Citizen newspaper article on 13th June 2012, two weeks after my loss. Yet the Council and their insurance company still deny liability for my £500.00 loss. I too am at a loss as what to do next as taking legal action could prove costly any advise from anyone out there with a similar experience would be greatly appreciated.
makaveli96
says...
8:30pm Wed 19 Sep 12
sen c ble wrote:Who ironed his shirt?
cnorth62 wrote:Your alloys is not all that's bent!!!sen c ble wrote:sen c ble, Ok I intended to put 'Advice' and not 'Advise' and my Reference to Zurich was to Blackburn Borough Council's Insurance Company not the city, which by the way is in SWITZERLAND not France my friend, perhaps a Geography lesson is in order for youcnorth62 wrote: I too have had a recent similar experience with Zurich and Blackburn Borough Council after encountering a pothole on Sunny Bank Road earlier this year. Two Alloy Wheels were damaged, one badly split and bent and the other bent. Strangely enough the pothole was inspected a few days after my loss and repaired the same day, whilst on average the council take approx 3 weeks to action any repairs following inspection, furthermore the entire stretch of road was resurfaced within weeks, see Citizen newspaper article on 13th June 2012, two weeks after my loss. Yet the Council and their insurance company still deny liability for my £500.00 loss. I too am at a loss as what to do next as taking legal action could prove costly any advise from anyone out there with a similar experience would be greatly appreciated....and you actually thought you were racing the French Le Mans did you!
sen c ble
says...
9:00pm Wed 19 Sep 12
makaveli96 wrote:I wouldn't worry about that stud too much.
sen c ble wrote:Who ironed his shirt?
cnorth62 wrote:Your alloys is not all that's bent!!!sen c ble wrote:sen c ble, Ok I intended to put 'Advice' and not 'Advise' and my Reference to Zurich was to Blackburn Borough Council's Insurance Company not the city, which by the way is in SWITZERLAND not France my friend, perhaps a Geography lesson is in order for youcnorth62 wrote: I too have had a recent similar experience with Zurich and Blackburn Borough Council after encountering a pothole on Sunny Bank Road earlier this year. Two Alloy Wheels were damaged, one badly split and bent and the other bent. Strangely enough the pothole was inspected a few days after my loss and repaired the same day, whilst on average the council take approx 3 weeks to action any repairs following inspection, furthermore the entire stretch of road was resurfaced within weeks, see Citizen newspaper article on 13th June 2012, two weeks after my loss. Yet the Council and their insurance company still deny liability for my £500.00 loss. I too am at a loss as what to do next as taking legal action could prove costly any advise from anyone out there with a similar experience would be greatly appreciated....and you actually thought you were racing the French Le Mans did you!
It's always being lifted!
over-rovers
says...
1:24pm Thu 20 Sep 12
elmo maniac wrote:you mean pot heads not pot holes
Shadsworth are still full of potholes since the floods other month. nothing has been done about it..!!
elmo maniac
says...
1:41pm Thu 20 Sep 12
over-rovers wrote:Althought there is a lot of pot heads its the pot holes that damage your cars. im supprised the people on benefits havent seen a claim for a broken leg yet!
elmo maniac wrote:you mean pot heads not pot holes
Shadsworth are still full of potholes since the floods other month. nothing has been done about it..!!
makaveli96 says...
11:35am Wed 19 Sep 12