Insurance form blames 'fat chav' for crash

An insurance report in which a car crash victim was described – and drawn – as a "free-loading fat chav" has emerged. The humorous account was submitted by the man accused of causing the accident in frustration at what he saw as the other driver's exaggerated compensation claim.

In his written report, James Edwards admitted that he nudged the woman's bumper after she stalled at traffic lights, but insisted she was not hurt.

"We each got out. There was no damage and Miss Pywell is a fat chav who definitely does not have whiplash," he wrote.


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He illustrated the report with a drawing of a bloated Miss Pywell wearing a baseball cap. Mr Edwards also sketched himself pointing at the woman and shouting "Chav!", and drew a bird's-eye view of the incident, labelling the two drivers as "fat chav" and "me".

The form was submitted to the insurer AIG but was leaked on to the internet. The insurer is promising "action" against whoever made the document public.

The full text of Mr Edwards's report read: "I was stopped at traffic lights. The lights changed. Mrs Pywell started to move and then stopped (stalled). I had just started to pull away and then broke. As i stopped I very slightly touched the rear bumper of the car in front. We each got out. There was no damage and Miss Pywell is a fat chav who definitely does not have whiplash."