Accident affecting insurance

I had an accident in feb which caused me to write off my car and i was wondering how much my insurance will go up when i've to get it renewed in August. Im a 21 year old female who is driving since last August and i pay 1750 on a 1999 Ford Ka, I originally had a Ltd edition 97 Ford ka but insurance didnt change

does it depend on how much was claimed from me ?

Big Nelly

coolsmileygirl wrote:

I had an accident in feb which caused me to write off my car and i was wondering how much my insurance will go up when i've to get it renewed in August. Im a 21 year old female who is driving since last August and i pay 1750 on a 1999 Ford Ka, I originally had a Ltd edition 97 Ford ka but insurance didnt change

does it depend on how much was claimed from me ?

Women drivers:rolleyes:

Did you claim on your own insurance or was it on whoever might have crashed into you? if it was your own there is no real way of telling how much it will go up. Your no claims bonus will be gone unless you have protection on it? are you full license or one of the many Learner drivers spinning around our roads without a care? there is alot of consideration before anyone could give you information on how much insurance would go up so more info required

Slaanesh

Big Nelly wrote:

Women drivers:rolleyes:

That's not really fair. She gives no details of the accident, perhaps ask her what happened before you go straight for the jugular?

Big Nelly

Slaanesh wrote:

That's not really fair. She gives no details of the accident, perhaps ask her what happened before you go straight for the jugular?

Sarcaism is lost on some people

Slaanesh

Big Nelly wrote:

Sarcaism is lost on some people

Sorry, I could never see the sarcasm in the rolleyes smiley, it will always be lost on me

Four car pile up on the malahide road, i was the last car and went into a 06 merc no unhelpful comments
and yes im a provisional driver

Big Nelly

coolsmileygirl wrote:

Four car pile up on the malahide road, i was the last car and went into a 06 merc no unhelpful comments
and yes im a provisional driver

If it was a four car pile up it shouldnt have been on your insurance but on the insurance of the person that caused the accident?

MrPudding

coolsmileygirl wrote:

Four car pile up on the malahide road, i was the last car and went into a 06 merc no unhelpful comments
and yes im a provisional driver

Did the driver holding the a full license who was accompanying you not tell you to apply the breaks?

Big Nelly, surely she will be responsible for the damage to the Merc? No one caused her to drive into it. Drivers are responsible for bringing their vehicle to a sfe stop almost regardless of what the car is front has done or is doing.

MrP

I havent a clue i was injured and taken away in an ambulance so my dad handled it all
a guy breaked hard in traffic to pull into the petrol station and then he drove away so
the gardai said it was irrelevant who was in the car with me as it was half 6 in the morning and i was going to work and he said there were witnesses who said we'd all no time to break
yeah i think the merc claimed off me i'm not too sture like i said my dad handled it

Savman

coolsmileygirl wrote:

Dont do things to other people if you are not prepared to face the consequences.
Karma can be a bitch!

I think your sig answers your own question there missy...

prospect

You are responsible for the damage to the merc.

If the other cars were stationary, and you hit the merc, who in turn hit the second car, and who in turn hit the first car, then you would have been responsible for the lot.

the merc had hit the second car before i hit him as far as i know anyway i just wanted to know how much would my insurance go up? even a ball park figure

MrPudding

coolsmileygirl wrote:

I havent a clue i was injured and taken away in an ambulance so my dad handled it all
a guy breaked hard in traffic to pull into the petrol station and then he drove away so
the gardai said it was irrelevant who was in the car with me as it was half 6 in the morning and i was going to work and he said there were witnesses who said we'd all no time to break
yeah i think the merc claimed off me i'm not too sture like i said my dad handled it

I think what normally happens is the guy in front claims off the guy that hit him who claims off the guy that hit him all the way to the back, in this case you.

Hopefully you will only be looking at the damage to the car you hit. I suppose there is a chance the driver yuo hit might try to say he had stopped but the impact of your car caused him to hit the car in front. In this case you could end up being liable for more than the car you hit.

The statements of the witnesses could be very important for you so make sure they are taken and accuratly reflect what, if anything, you remember.

I think your maiin problem might be that pretty much regardless of what the guy in front of you did you will be liable. At best it may be decided that he was partially responsible but it will always come down to the fact that every driver has a responsibility to be able to bring their car to a safe stop regardless of the actions of the driver in front.

In your case if you did not have enough time / space to stop then you were too close. I am not trying to get at you, just trying to explain things.

MrP

m_stan

correct me if I'm wrong but isn't the last person in a pileup generally responsible for all damages ?

either way it doesn't answer the question which I personally think you'll have to wait until renewal time to get an accurate answer to. Insurance companies change their pricing every month so the answer now is not necessarily the answer in August, even if anyone here could give it to you.

Best of luck. I know the feeling of increasing insurance quotes due to accidents. With time, it'll go away if you keep the slate clean.

MrPudding

coolsmileygirl wrote:

the merc had hit the second car before i hit him as far as i know anyway i just wanted to know how much would my insurance go up? even a ball park figure

It really is impossible to say until you try to get a quote. I don't know that there is any method, outside of what the insurance companies use, to calculate it.

Do you eben know how much is being claimed?

MrP

MrPudding

m_stan wrote:

correct me if I'm wrong but isn't the last person in a pileup generally responsible for all damages ?

Only if the last person cause the preceding cars to hit each other. If the crash has already occured they should not be responsible for all damage tough there may be an arguement that they could have caused additional damage to the cars in front by causing secondary impacts up the line.

MrP

samo

coolsmileygirl wrote:

the merc had hit the second car before i hit him as far as i know anyway i just wanted to know how much would my insurance go up? even a ball park figure

My husband had an accident some years back and as he didnt have No claims Bonus protection, his insurance doubled but then went down proportionately each year afterwards (he was stuck with the same insurance company for 5 years) at the end of the 5 years his insurance was back at the level it was at the time of the claim and he had 5 years NCB that he could transfer.

Worth getting the NCB protection once this is all sorted out for the future as I had a claim (wasnt anyhing very major - 3rd party for approx 2.5k - which my male named driver caused before anyone says "womern drivers " )
I had 5 years NCB and due to step back protection it only reduced it by 20% and I could move companies because the claim was settled - so well worth checking into for the future.

Thats what insurance is there for,bad as it is that its gonna go up and once your ok thats the main thing, chalk it up to experience I guess but nasty experience at that!

yeah i know all that and i dont mind i'm glad i wasnt injured as well
i just need to know if my premium will go up by much

MrPudding

coolsmileygirl wrote:

yeah i know all that and i dont mind i'm glad i wasnt injured as well
i just need to know if my premium will go up by much

OK. It will go up by €4597.67

MrP

smurfbaby

coolsmileygirl wrote:

i just need to know if my premium will go up by much

Well then why not contact your insurance company? Am I missing something here??

are you taking the piss, i'm looking for an example of an estimate if its happened 2 anyone namely a woman in the past

im afraid they will give me a figure like the one above lol

prospect

coolsmileygirl wrote:

are you taking the piss, i'm looking for an example of an estimate if its happened 2 anyone namely a woman in the past

CSG,

Insurance quotes are very specific, it depends on a lot of contributing factors:

Your Gender,
Your Age,
Your Driving Qualification,
Your residence,
Your place of work,
Type of use of car,
Type of car,
Engine size,
Value of car,
Your commute,
Milage covered per year,
Where your car is kept,
Car security,
Previous driving history,
Accident history,
No of claims,
Cost of claims,
Are you married,
Your spouses car type, engine size, license type, etc.
Type of cover required,
And so on.

So your question cannot be accurately answered, and whatever you are told here will not affect your renewal quote.

As an extreemly rough guess, you can reasonabley expect your premium to double.

Anan1

coolsmileygirl wrote:

are you taking the piss, i'm looking for an example of an estimate if its happened 2 anyone namely a woman in the past

Every case is different. Nobody here, myself included, has any idea how much your premium will go up by. Why don't you just ask your insurance company?

Eoin

coolsmileygirl wrote:

are you taking the piss, i'm looking for an example of an estimate if its happened 2 anyone namely a woman in the past

There's a good chance that even if you didn't have an accident, you would be paying a different premium than another woman of the same age, same car etc, so trying to estimate how much it's going to go up after an accident is close to impossible IMO.

coolsmileygirl wrote:

there were witnesses who said we'd all no time to break

I know this is really irrelevant, but that means you were going too fast / too close to the car ahead of you / not paying enough attention, or a combination of - end of story.

faigs

coolsmileygirl wrote:

the merc had hit the second car before i hit him as far as i know anyway i just wanted to know how much would my insurance go up? even a ball park figure

Sounds like you were paying too much in the first place, what company are you with? (Sorry if its mentioned already.) My girlfriend only started driving last summer in a similiar size car, same age etc and her insurance was about €700. She upgraded to a Magane Coupé and it only went up by about 40 quid.

unhelpful comment edited.- mike

seamus

Your insurance will probably go up. In general, whether you're penalised or not depends on how much damage you caused. If you were responsible for completely totalling another vehicle and causing structural damage to surrounding buildings and had to pay out 100's of 1000's in compensation, then you'd be lucky to get a quote under €10k.
This is because the amount of damage is generally used as an indicator of how dangerously you were driving. Dangerous drivers == higher premiums. Of course, this falls down when a tap on a Lotus costs more to fix than writing off a micra.

Axa told me over the phone that claims under €2k don't have any effect on your premium.

You need to go and find out if you actually paid out any money. I'm not being mean here, but you're 21, you're an adult. If you want to drive a car, then you need to take responsibility and find out about the things you're responsible for. Daddy won't look after it forever.

commited

I'd say yer looking at at least a €1000 increase.

Please stop driving on your own and pass your test

Rudolph Claus

Sure your daddy will probably handle the increased insurance bill for you too so why are you worrying. :rolleyes:
Did he buy you your little ka aswell which you managed to crash. Women drivers :rolleyes:
Seen as your female it`ll probably go up E13.23cents. Seriously something should be done about the cheap rates stoopid girly drivers get, its a complete scandal that males pay so much more when a lot (note i didnt say all) of women havent a clue how to drive or control a car or stop a car in an emergency and end up causing accidents.

Anan1

Nuttzy wrote:

Sure your daddy will probably handle the increased insurance bill for you too so why are you worrying. :rolleyes:
Did he buy you your little ka aswell which you managed to crash. Women drivers :rolleyes:
Seen as your female it`ll probably go up E13.23cents. Seriously something should be done about the cheap rates stoopid girly drivers get, its a complete scandal that males pay so much more when a lot (note i didnt say all) of women havent a clue how to drive or control a car or stop a car in an emergency and end up causing accidents.

To be fair, she's hardly the first person in the history of motoring to rear-end someone. Women pay less in insurance for a very simple reason - they represent a better risk. Finally, it's hardly her problem if her father is more generous than yours.

Emm not apreciating the unhelpful comments and at the age of 21
I earn way more than enough money to afford my own car and the insurance that goes with it:D
My dad doesnt pay anything for me, he simply helped me out as I hadnt been in an accident before and didnt know here the car had to go after the crash what to say to the insurance company etc.

The merc claimed 16 grand from me , his exhaust pipe fell off and his backbox was dinted.

Anan1

coolsmileygirl wrote:

The merc claimed 16 grand from me , his exhaust pipe fell off and his backbox was dinted.

I'm assuming the 16 grand was just for damage to his car? I don't mean to depress you further, but if you hit the back of his car that hard I'd be very surprised if there wasn't a personal injury claim in the post from him as well.

HelterSkelter

How many years no claims bonus do you have? How much is your insurance?

AFAIK this is what should happen -
If you have a NCB you will lose it. If your NCB is 20% and you are paying 800 your insurance "should" increase to 1000.

I don't know what will happen if you have no NCB. In theory your renewal should be the same next year. But I have heard stories of them loading people. Best bet is to ring them and ask.

commited

Helterskelter,
Claims push up the price of your insurance past what it would be if you had 0ncb.
Approximately 30-40% for a largeish claim.

I've had insurance for 9 months only

Anan1

coolsmileygirl wrote:

I've had insurance for 9 months only

Have you asked your insurance company how much your premium is likely to rise by yet?

No i'm planning on calling them soon

MrPudding

coolsmileygirl wrote:

No i'm planning on calling them soon

Make sure you are sitting down.

Let us know how you get on.

MrP

Anan1

coolsmileygirl wrote:

No i'm planning on calling them soon

If you really want to know the answer to your question then you'll call them. As a few of us have already pointed out, they are the only ones who can answer it for you.

Savman

Nuttzy wrote:

Sure your daddy will probably handle the increased insurance bill for you too so why are you worrying. :rolleyes:
Did he buy you your little ka aswell which you managed to crash. Women drivers :rolleyes:

needless comment

Joeface

Well coolsmileygirl , Not sure this will help u but
the GF , was in an accident last year in december ...head on with a truck, narrow bendy road , the car skidded on the crappy surface( ****e road loads of accidents all on the same bend) crossed the white line this made her the fault ...her insurance this year in feburary doubled

she is 25, Full License, Ford Fiesta 1.25 2005 (new car) her old insurance was €550, This time it was €1100 Fully Comp. The claim against her was prob about the same as yours cause her old 1999 fiesta wrote its self off and the truck as well. And Trucks tend to be expensive .



And Congrats on Denting a merc ...I despise all Merc drivers as I cant afford one my self

I've been quoted 2500 up from 1750, my dad said I was lucky!:D

jhegarty

coolsmileygirl wrote:

I've been quoted 2500 up from 1750, my dad said I was lucky!:D

wow , that less than a male driver without having a crash :mad:

yup !!

layke

Mate of mine had an accy 2 years ago forfiting her second years NCB. The insurance only went up €400 although I have no idea what way they work it out. She was 21 at the time.

daveirl

This post has been deleted.

BoozyBabe

daveirl wrote:

This post has been deleted.

They're still unfair to males though.

Myself & bf are the same age (give or take a few months).
Both drive 1.4 hatchbacks, nothing sporty of altered or anything.

I've 2 years ncb, he's had his 5 years ncb for at least 2 years already.
Neither of us have ever had any accidents or claims made against us.

I pay just over €500 per year.
This year his came down a bit again & he's paying just under €1300, if I can remember correctly. what a bargain!!!!!

I really do feel for male drivers, it really is unfair, but then I guess most of the teenage / early twenties people wrapping themselves around trees tend to be male:(

jimmycrackcorm

BoozyBabe wrote:

They're still unfair to males though.

Myself & bf are the same age (give or take a few months).
Both drive 1.4 hatchbacks, nothing sporty of altered or anything.

I've 2 years ncb, he's had his 5 years ncb for at least 2 years already.
Neither of us have ever had any accidents or claims made against us.

I pay just over €500 per year.
This year his came down a bit again & he's paying just under €1300, if I can remember correctly. what a bargain!!!!!

I really do feel for male drivers, it really is unfair, but then I guess most of the teenage / early twenties people wrapping themselves around trees tend to be male:(

Does anyone else think that this is a clear case of discrimination?
I wonder would say an East European male get a different quote to an Irish male given a comparable set of circumstances? i.e. given the higk level of foreign driver accidents - do the insurance companies discriminate on the basis of nationality as well as sex?

actually axa quoted me 2050 full comp with the accident, only 300 raise in premium consider the 05 merc i crashed into claimed 15 grand... whoo hoo!

ok axa needed a cliams breakdown as part of giving me the fully comp quote of 2050 and now I've found out the driver of the merc got a new car out if of this,his chasis on his car was damaged so they wrote it off and the damages towards me were 42785 euro and quinn direct quoted me 2500 to renew after this, i'll let you know if axa still take me on after finding out about my claim!

wingnut

My sisters premium doubled this year and it wasn't possbile to add people she had as named drivers because the premium would have been more again. She was stopped at lights with the handbreak on when a guy ran full speed into the back of her. She shunted into the car in front, which went into the car in front again. Her car was a write off. The guy slapped the car in reverse and tore off into town. He was found by the Gards burning out the car. Claimed his car was stolen and a friend told him where it was on fire. Hard luck a detective had seen him driving to the spot in it 5 mins earlier! Needless to say no tax and insurance.

She had to claim the value of her car off her fully comp (€5000). Despite the guard signing a declaration it was not her fault and the driver was uninsured she was still loaded. This may change after the case and the uninsured drivers fund pays out.

As regards running into the back of someone, it is ALWAYS the fault of the person behind. I witnessed a serious accident in Cork last week, A girl stopped up on a dual carriageway to turn up a dirt lane in the right. Another woman crased into the back of her. The other two cars behind them pulled across me into the slow lane. Luckily enough I was going at an appropriate speed and maintaing an appropriate distance. I was able to break and avoid the carnage. The two women who pulled across (and clipped the other car in the process) kept saying 'there was nowhere for us to go'. I was thinking, try not driving up the arse of the car in front of you and you might be able to react in time.

Pay attention, and maintain adequete stopping distance and you won't have to worry about crap like this.