BI Basics - Abbreviations
BI/PI
Bodily Injury / Personal Injury
Two - CRU certificate which details if they are in receipt of benefits that they were not on prior to the accident, and the cost of this.
NHS certificate which details if the claimant sought medication attention either via ambulance or A&E, including any overnight stays, and the cost of this.
What is a payment pack?
A payment pack is a document/pack submitted in support of a claim for credit hire.
What does ANPR stand for?
Automatic Number Plate Recognition
What is an exaggerated claim?
A request for an insurance payment, which states that someone’s injury, accident or loss is more serious that it really is in order to trick the insurance company into paying them extra money.
CRU
Compensation Recovery Unit
What are the three methods of valuing injuries?
- The OIC
- Whiplash calculator
- JCG
What does GTA stand for?
General Terms of Agreement
(The GTA or General Terms of Agreement is a membership based organisation to which Credit Hire Organisations (CHOs) and insurers subscribe, it was set up by the Association of British Insurers (ABI) in an attempt to reduce the amount of credit hire claims being brought to court.)
When should we consider raising an interim payment?
When we have been notified of ongoing hire and receive the engineers report. We need to consider the roadworthiness of the vehicle at this stage.
What types of exaggeration do we see?
- Vehicle damage
- Credit hire
- Injury
- Storage and recovery
- Treatment
- Costs layering
- Loss of earnings
Special damages
What is the difference between a diagnosis and a prognosis?
The 'diagnosis' is telling us what is wrong, and the prognosis tells us how long the injury will last for.
What documents can we ask for when we are considering 'financial disclosure'?
Bank statements for 3 months prior to the date of accident and throughout hire period, for all bank accounts held including credit cards.
Why should we consider raising an interim payment even when we are investigating fraud?
To assist the claimant in the mitigation of their losses and keep hire charges down.
What might we see if treatment is being exaggerated?
- Treatment not actually taking place
- Unnecessary treatment
- Inflated treatment rates & fees
- Prognosis has expired and treatment is ongoing
PSLA
Pain, Suffering and Loss of Amenity
What types of medical experts might we see provide a report?
GP, Orthopaedic, Psychologist, Physiotherapist, A&E trauma specialist, Neurologist etc..
Give 5 examples of documents we might see within a payment pack.
- Hire agreement
- Terms and Conditions
- Mitigation statement
- Storage credit agreement
- V5
- Insurance certificates
- Cancellation notice
- Loss of use dates
- Drivers licence and taxi licence
- Taxi vehicle licence and council suspension notice
What desktop and intel enquiries can be done to validate a hire provider? Give 3 examples.
- Google maps
- Open source
- Social Media
- Intel searches and results
- Companies House (do directors link to other companies/individuals/claims?)
- Industry alerts
- Check validity of VAT number
- Instruct an ACCINV to visit the organisation if needed
What evidence will we have on file that we can review when investigating exaggeration of a bodily injury claim? Give three examples.
- CNF
- Medical reports
- Treatment notes
- Medical records
- Claimed special damages
- Intel
- Any other evidence we may have on file! Intervention calls, images of damage, engineering evidence etc!
JCG
Judicial College Guidelines
"A reference document which provides guidance on the value of an injury claim."
Give three examples of what sort of treatment a claimant might be recommended?
Physiotherapy, Chiropractor, Osteopath, Counselling, CBT, EMDR,
What does impecunious mean?
The claimant does not have the available funds to either repair/replace their vehicle, when damaged, following an accident. Hence their need to enter into a credit hire agreement.
Copley letter.
What could be exaggerated within Credit Hire, Storage & Recovery? Give 3 examples.
- Hire rates
- Hire period
- Hire add-ons
- Repair period
- Parts delays
- Storage charges
- Recovery charges