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Car hit off another car in a car park.

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  • 06-10-2011 9:52am
    #1
    Ush1
    Registered Users Posts: 11,461 ✭✭✭✭


    Reversing out in a dark car park last night I didn't notice a bacl car and hit off it. Not hard as I was going slow and I stopped straight away. Seemed mostly like a couple of scratches to the paintwork.

    I went inside the building and found the guy who owned the car and gave him my details and number. I said if he rang me I will cover the cost. He also took my insurance details. Some fella then came out calling the shots saying for us both to ring our insurance and stuff but I said again I'll pay for any damage.

    Now, I rang my insurance company today to check with them and the claims dept. is gonna ring me back but can I request that they come to me before paying out if he does go through the insurance company?


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    #2
    mullingar
    Registered Users Posts: 5,341 ✭✭✭mullingar


    By all means notify the insurance companies of the scuff but its up to you if you want to claim off your policy.

    The big thing here is your excess and your NCB protection.

    So, get the quote first and then decide if you want to pay out of your own pocket, or pay via insurance at the cost of the excess and losing some of your NCB


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    #3
    Anan1
    Registered Users Posts: 22,818 ✭✭✭✭Anan1


    mullingar wrote: »
    By all means notify the insurance companies of the scuff but its up to you if you want to claim off your policy.

    The big thing here is your excess and your NCB protection.

    So, get the quote first and then decide if you want to pay out of your own pocket, or pay via insurance at the cost of the excess and losing some of your NCB
    It's actually the other party, and not the OP, who gets to decide whether or not to go through insurance. That said, it sounds like the OP's been decent to them so hopefully they'll be decent back.


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    #4
    Ush1
    Registered Users Posts: 11,461 ✭✭✭✭Ush1


    Anan1 wrote: »
    It's actually the other party, and not the OP, who gets to decide whether or not to go through insurance. That said, it sounds like the OP's been decent to them so hopefully they'll be decent back.

    This is what I suspected.

    Would my insurance company give me the opportunity to cover it though do you reckon?


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    #5
    Anan1
    Registered Users Posts: 22,818 ✭✭✭✭Anan1


    Ush1 wrote: »
    This is what I suspected.

    Would my insurance company give me the opportunity to cover it though do you reckon?
    AFAIK they would. Although it probably won't even come to that. If I were the other party, the first question i'd be asking myself is 'Am I going to get dicked around here?' If the person had been straight up from the beginning, which it sounds like you were, then i'd be doing my best to make things easy on them.


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    #6
    coffee_cake
    Moderators, Category Moderators, Politics Moderators, Recreation & Hobbies Moderators, Society & Culture Moderators Posts: 81,310 CMod ✭✭✭✭coffee_cake


    i think some companies give you the chance to pay back a claim before next renewal so it wont affect your ncb, so i've heard around these parts
    hopefully they'll go straight to you though


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    #7
    Jimmy Bottlehead
    Registered Users Posts: 10,118 ✭✭✭✭Jimmy Bottlehead


    Ush1 wrote: »
    This is what I suspected.

    Would my insurance company give me the opportunity to cover it though do you reckon?

    Yes they will. Make sure you inform your insurance company, just to protect yourself from a claim down the road - but your insurer is much happier to let you deal with it, than pay out and cause themselves more work.

    It'll be on your insurance record, but it won't effect NCB.


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    #8
    Ush1
    Registered Users Posts: 11,461 ✭✭✭✭Ush1


    Cheers folks. He said thanks for coming in and telling him anyway so hopefully he'll just ring me.


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    #9
    Tazio
    Registered Users Posts: 698 ✭✭✭Tazio


    Hello OP,

    I don't have anything to add to this post, sorry.. but just want to say best of luck with the outcome; I hope it's not too expensive.

    And, I wish there was more prople like you in the world. Fair play! :cool:


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    #10
    E39MSport
    Registered Users Posts: 3,730 ✭✭✭E39MSport


    That reverse into parked cars? /ducks/


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