Blackburn with Darwen Council’s insurers accidentally send car damage details

DETERMINED Ron Cowgill 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)

makaveli96 says...
11:35am Wed 19 Sep 12

Why arnt the people who claim benefits forced to help with such work as this?

happycyclist says...
11:44am Wed 19 Sep 12

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?

anonther says...
12:03pm Wed 19 Sep 12

happycyclist wrote:
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?
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.
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

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 ?

makaveli96 says...
12:23pm Wed 19 Sep 12

happycyclist wrote:
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?
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.

mavrick says...
12:33pm Wed 19 Sep 12

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.

Ainsybrfc says...
12:51pm Wed 19 Sep 12

I for one drive down that road nearly everyday.

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

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?

philtheflug says...
1:07pm Wed 19 Sep 12

mavrick wrote:
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.
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.

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:
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.
I think it would better to put the tar on the roads rather than on the unemployed......

useyourhead says...
1:26pm Wed 19 Sep 12

makaveli96 wrote:
Why arnt the people who claim benefits forced to help with such work as this?
yes, they should curl them up in the holes and solve two problems at once ;)

makaveli96 says...
1:35pm Wed 19 Sep 12

News : 'Cap For Unemployed Families On Benefits'.

Burberry by any chance?

elmo maniac says...
1:37pm Wed 19 Sep 12

Shadsworth are still full of potholes since the floods other month. nothing has been done about it..!!

makaveli96 says...
1:40pm Wed 19 Sep 12

What do you call an unemployed Afghani?

Bin Laidoff.

makaveli96 says...
1:43pm Wed 19 Sep 12

elmo maniac wrote:
Shadsworth are still full of potholes since the floods other month. nothing has been done about it..!!
Yes but Shad currently has 100% employment

CapitaBackHander says...
2:15pm Wed 19 Sep 12

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!

makaveli96 says...
2:25pm Wed 19 Sep 12

CapitaBackHander wrote:
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!
Eh, so you think criminals should have rights?

HairyBowls says...
2:27pm Wed 19 Sep 12

I think the bigger point here is the blatent lies told by the council in this case...how can we have confidence in local government when they will mislead on trivial matters like this? What bigger lies are there to be yet exposed?

sen c ble says...
3:16pm Wed 19 Sep 12

MJA wrote:
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?
For some unforeseen circumstances he could have not gone to work!
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

I agree with those who have questioned his claim for loss of earnings. 2 days for a puncture ? By laying it on he's delayed the legitimate payment for the wrecked tyre.

useyourhead says...
5:33pm Wed 19 Sep 12

Jerzei Balowski wrote:
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 ?
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.

nonjob says...
5:34pm Wed 19 Sep 12

"I read the news today, oh boy, etc, etc," - J. Lennon.

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

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.

l m h jones says...
7:35pm Wed 19 Sep 12

makaveli96 wrote:
happycyclist wrote:
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?
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.
you could also use the unemployed to check your spelling and correct your grammar

sen c ble says...
7:38pm Wed 19 Sep 12

cnorth62 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!

cnorth62 says...
8:05pm Wed 19 Sep 12

sen c ble wrote:
cnorth62 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, 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

makaveli96 says...
8:25pm Wed 19 Sep 12

l m h jones wrote:
makaveli96 wrote:
happycyclist wrote:
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?
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.
you could also use the unemployed to check your spelling and correct your grammar
That's sick and taking it to far! Your talking about a slave society!

sen c ble says...
8:26pm Wed 19 Sep 12

cnorth62 wrote:
sen c ble wrote:
cnorth62 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, 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
Your alloys is not all that's bent!!!

makaveli96 says...
8:30pm Wed 19 Sep 12

sen c ble wrote:
cnorth62 wrote:
sen c ble wrote:
cnorth62 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, 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
Your alloys is not all that's bent!!!
Who ironed his shirt?

sen c ble says...
9:00pm Wed 19 Sep 12

makaveli96 wrote:
sen c ble wrote:
cnorth62 wrote:
sen c ble wrote:
cnorth62 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, 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
Your alloys is not all that's bent!!!
Who ironed his shirt?
I wouldn't worry about that stud too much.
It's always being lifted!

over-rovers says...
1:24pm Thu 20 Sep 12

elmo maniac wrote:
Shadsworth are still full of potholes since the floods other month. nothing has been done about it..!!
you mean pot heads not pot holes

elmo maniac says...
1:41pm Thu 20 Sep 12

over-rovers wrote:
elmo maniac wrote:
Shadsworth are still full of potholes since the floods other month. nothing has been done about it..!!
you mean pot heads not pot holes
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!

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