As if any further evidence were required that some of Britain’s most fecund creative minds are currently focused on the concoction and elaboration of ever-more inventive and far-fetched fictional motor accidents, Bankstone News was astonished and impressed this week to learn how the peerlessly fertile imagination of one Michael Rejoinder Singh gave rise back in 2010 to a complex and inventive tale of motor accident misfortune fit to administer the most forceful of tugs to both the heart and purse strings of even the most adamant insurance office.

Starting with a virtually blank slate, Singh had the extraordinary vision to conjure up a startlingly vivid evocation of motor mayhem in which his vehicle collided with another driven by a certain Rudzam Didzus, resulting in a comprehensive catalogue of insured damage, expense and injury, including, according to a press release issued by insurer L=V, medical treatment for ‘personal injuries’ sustained by the two supposed drivers and five fictitious passengers, extensive vehicle repairs, credit hire and storage costs, and third party legal costs, amounting in total to somewhere in the region of £120,000.

Sadly, L>V=’s dodgy claims unit failed to appreciate Singh’s creative artistry and opted for a more prosaic approach. The insurer marked down the Doncaster man’s funding application on the grounds of its excessive fictionality and its notable divergence from any narrative trajectory reasonably compatible with the pattern of damage to Mr Singh’s vehicle. Some might argue that the insurer’s blunt assertion that ‘the accident never happened’ rather misses the point. Nevertheless, the claim was rejected, prompting its aggrieved creator to sue L=> for the recovery of his costs.

Some might argue that Mr S deserved credit for the sheer audacity of this move. Sheffield County Court did not. It dismissed Singh’s claim. Intent on making a point, L=> decided to take further legal proceedings against Singh in the interests of deterring similar inventiveness on the part of other would-be motor insurance claimants. This duly resulted in the unfortunate Singh being sentenced to eight months’ enforced custodial contemplation at the sovereign’s pleasure for the double crime of making things up and wasting the court’s valuable time.

Sometimes, it really is better just to tell it like it is. That’s certainly the philosophy we espouse here at Bankstone News.


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