Will I go through my insurance?

smoc

To go through my insurance or not to go through my insurance, that is the question!?

Hi guys,

I'm a 23, male and i've 1 year NCB with a full licence. I was involved in a small accident which involved no damage to my car but minor damage to the other car. Out of good will as I stated to the gardai i'll fix it because I feel sorry for her. She is only 18 or 19 i think and first car etc. However, she wants 1,400 euro for it! I said no way the greedy git. I told the gardai i'd want a second estimate and if shes still greedy about it then i'll go through my insurance. I think i'll get away with 900 - 1000 euro for the damage done (if she wants all the new parts (some i think were already broken or damaged anyway)) but thats alot of money still. Do you think I should go through the insurance even if it means paying out anyway but via the insurance company?

I'd rather not of course as my insurance is 700 a year and could go up to 1000. I could essentially end up paying back for it anyway through higher insurance, but does anyone have experience in this type of delima?


Cheers,

Brendan

but43r

smoc wrote: »

Out of good will as I stated to the gardai i'll fix it because I feel sorry for her.

Was it your fault or are you paying for it just because you feel sorry for the girl???

EPM

with your experience you're probably better off paying for the repairs. If the accident was your fault you will have to pay for wherever she chooses to get her car repaired. But having an accident history will put a serious loading on your insurance in future years and will probably limit your choice of car as a result

R.O.R

Was this caused by an act of smoc? Not sure acts of smoc are covered under most policies.

Glad you are paying because you fell sorry for her, sure it's nothing to do with it being your fault :rolleyes:

Top Dog

smoc wrote: »

Out of good will as I stated to the gardai i'll fix it because I feel sorry for her.

Does your cockiness know no bounds? :rolleyes:

axer

smoc wrote: »

To go through my insurance or not to go through my insurance, that is the question!?

Hi guys,

I'm a 23, male and i've 1 year NCB with a full licence. I was involved in a small accident which involved no damage to my car but minor damage to the other car. Out of good will as I stated to the gardai i'll fix it because I feel sorry for her. She is only 18 or 19 i think and first car etc. However, she wants 1,400 euro for it! I said no way the greedy git. I told the gardai i'd want a second estimate and if shes still greedy about it then i'll go through my insurance. I think i'll get away with 900 - 1000 euro for the damage done (if she wants all the new parts (some i think were already broken or damaged anyway)) but thats alot of money still. Do you think I should go through the insurance even if it means paying out anyway but via the insurance company?

I'd rather not of course as my insurance is 700 a year and could go up to 1000. I could essentially end up paying back for it anyway through higher insurance, but does anyone have experience in this type of delima?


Cheers,

Brendan

You are the one that messed up - not her even though she is 18/19 and on her first car - so whats with the pity? She would get a proper job done on her car even if you do go through insurance.

smoc

Top Dog wrote: »

Does your cockiness know no bounds? :rolleyes:

Oh and i'm sure you know the type of person I am. I'm not your average joe. I have very high morale standards. I have raised thousands for charity, wouldnt hurt a fly, am a very respectful driver who cant stand boy racers or modified cars. It sounds very cheesy I know but my point is i am not that guy. It was neither our fault. I believe in karma but I wont be bullied into paying more than i have to

EPM

well if the guards say it was neither party's fault let it off. Her car is not your responsibility. But if you admitted responsibility to the guards thats a different kettle of fish. What exactly did the guards say to you when you said you'd cover her car?

smoc

EPM wrote: »

well if the guards say it was neither party's fault let it off. Her car is not your responsibility. But if you admitted responsibility to the guards thats a different kettle of fish. What exactly did the guards say to you when you said you'd cover her car?

I said I want to make it very clear that I have no admitted liability. He said thats not what she said. I said what did she say?!? He said look thats what she said and regarding that its just word against hers. She said you'd pay for her and I said yes but as I told her father over the phone it only as an act of good will. He said ok thats fair enough. I told him my first thoughts were pitty for her because my car wasnt damaged and hers was. As I said to the gardai I didnt intend paying for the whole thing but seeing as it was only 160 to replace and fit a new bumper I figured life is too short to argue over pennys. However, now thats its 1,400 i think thats too greedy and i might go through my insurance instead.

I can understand it was more so the garage she got the estimate from being the greedy one but her accepting parts that I bet my bottom dollar were already scratched or damaged already is low. I would never ask for all new parts if it was the other way round on a 9 year car. I'd consider this is coming from a guys back pocket and not an insurance company (as I have done in the past for real).

Top Dog

smoc wrote: »

Oh and i'm sure you know the type of person I am. I'm not your average joe.

Well lets review shall we? You abandoned your own thread on here when everyone pointed out that you were being an idiot and should just suck it up. So you're right, as the average Joe would actually listen to the opinions of quite a number of others - especially when they're all saying the same thing.

smoc wrote: »

It was neither our fault. I believe in karma but I wont be bullied into paying more than i have to

Whats it like living on planet smoc? Do you live in a bubble or something that insulates you from the reality of things?

YOU crashed into someone else on snow because YOU weren't driving appropriate to the conditions. It wasn't HER fault that she happened to be the unfortunate one who's car YOU smacked because you couldn't control your own.

smoc

Top Dog wrote: »

Well lets review shall we? You abandoned your own thread on here when everyone pointed out that you were being an idiot and should just suck it up. So you're right, as the average Joe would actually listen to the opinions of quite a number of others - especially when they're all saying the same thing.


Whats it like living on planet smoc? Do you live in a bubble or something that insulates you from the reality of things?

YOU crashed into someone else on snow because YOU weren't driving appropriate to the conditions. It wasn't HER fault that she happened to be the unfortunate one who's car YOU smacked because you couldn't control your own.

I'm guessing you were ignored alot as a child and turned in a bully to try and create some attention for himself. Oh but hold on I dont know you or your real situation so how could I possibly say those things right? :rolleyes:

NewApproach

smoc wrote: »

I'm guessing you were ignored alot as a child and turned in a bully to try and create some attention for himself. Oh but hold on I dont know you or your real situation so how could I possibly say those things right? :rolleyes:

You come on here looking for advice and then insult someone who's (correct) advice isn't what you want to hear...

Grow up.

smoc

NewApproach wrote: »

You come on here looking for advice and then insult someone who's (correct) advice isn't what you want to hear...

Grow up.

I'm sorry your right insults are advice - how silly of me

peasant

There are days when I want to be a normal user again ...I sooooo have to bite my tongue right now.

OP... pay for it whichever way you want to, but just pay and stop digging holes for yourself

L1011

smoc wrote: »

It was neither our fault.

You're not going to find an insurance assesor in the land that will agree with that.

Top Dog

smoc wrote: »

I'm guessing you were ignored alot as a child and turned in a bully to try and create some attention for himself. Oh but hold on I dont know you or your real situation so how could I possibly say those things right? :rolleyes:

Oh my God! My secrets out! How ever will I cope? :rolleyes:

Couldn't be further from the truth if you tried - a bit like your whole "act of smoc" thing that you have going on with the liability of the accident. :pac:

If you find the truth of the situation insulting then so be it. I'm not going to resort to playground mentality just to play along. There's only one person you're fooling at the moment, and thats yourself.;)

SV

just pay for it.
by offering to pay for it(regardless of what you said) you have admitted liablity.

go through the insurance if you want, either way you're gonna be coughing up and there's not a thing you can do about it.

smoc

peasant wrote: »

There are days when I want to be a normal user again ...I sooooo have to bite my tongue right now.

OP... pay for it whichever way you want to, but just pay and stop digging holes for yourself

Just close it then. Everyone on this site is so bloody negative!!!!!!

Why are cage drivers so negative? I'm a biker mainly and you'd never get this **** from bikers. :mad:

SV

smoc wrote: »

Just close it then. Everyone on this site is so bloody negative!!!!!!

Why are cage drivers so negative? I'm a biker mainly and you'd never get this **** from bikers. :mad:

Well then get on yer bike :pac:

smoc

ClioV6 wrote: »

just pay for it.
by offering to pay for it(regardless of what you said) you have admitted liablity.

go through the insurance if you want, either way you're gonna be coughing up and there's not a thing you can do about it.

an answer without insult. I respect that thanks

the_syco

smoc wrote: »

I was involved in a small accident

Was it your fault, yes/no? If yes, pay her to keep it off your insurance. If it's her fault, go through insurance if you want. Were you thinking with your head, your heart, or your dick when you offered to pay for the damages? You mentioned bumper, but I don't know if it's her front or rear bumper? If it's her rear, you're at fault, unless she revered into you.

If you're at fault, you pay up. It's really that simple. If you're not at fault, play hardball, and don't give her a penny. You go though the insurance company even though it's not your fault, the insurance company will most likely roll over, pay her costs, and raise your insurance cost next year.

I'm not being negative... this is a lesson in reality. Oh, and who the f**k repairs their car with second hand parts, if someone else is paying the bill?

smoc

ClioV6 wrote: »

Well then get on yer bike :pac:

I spoke too soon

smoc

the_syco wrote: »

Was it your fault, yes/no? If yes, pay her to keep it off your insurance. If it's her fault, go through insurance if you want. Were you thinking with your head, your heart, or your dick when you offered to pay for the damages? You mentioned bumper, but I don't know if it's her front or rear bumper? If it's her rear, you're at fault, unless she revered into you.

If you're at fault, you pay up. It's really that simple. If you're not at fault, play hardball, and don't give her a penny. You go though the insurance company even though it's not your fault, the insurance company will most likely roll over, pay her costs, and raise your insurance cost next year.

it was from the front. We both slid into each other but her car came out worse because I was sliding downhill. Thanks for your comment

Random

I don't understand why you would pay 1000 euro to someone because you felt sorry for them.

Is this definitely that other incident where you lost control in snow / icey conditions and struck a stationary vehicle? If so then you're at fault.

If you're not at fault or feel you're not at fault and it's a different incident then get some opinions on it or let your insurance deal with it. They won't give in if they're not at fault (generally).

So which is it?

peasant

smoc wrote: »

. We both slid into each other

The thruth, the whole truth and nothing but the truth:

smoc wrote: »

Hi Guys,

Was out in that snow in my car today and to cut to the chase I was coming over a narrow bridge with a sharpe left turn after it. I was blowing the horn as I was going over, all lights on etc. However, as i can downhill the other side no matter how much i jammed on and tried to turn left i slid straight down about 15 - 20 feet into a girl in a clio waiting on the other side. I bumped into her and then hit the wall slightly.

We got out down the hill where we meet up again. We had a look at her car and saw a crack in the front bumper but that was it. I said what do you wanna do now and she said well she wants money for it. I said ok but i'd prefer to avoid my insurance company because of course i'd lose my No claims discount. We exchanged numbers and left.

I havent spoken since but i'm thinking if she comes back with a mad figure like 500 euro to replace the bumper should i even pay it? It was neither our fault even though she had a bit of time (5 seconds) to reverse a bit. Although, I dont know if I would have stopped by then anyway. What would you or an insurance company view this as? as act of god? I dont mind paying 200 euro but no more than that. I doubt a year 2000 renault clio front bumper is that much.

Thanks for any advise guys

SV

smoc wrote: »

I spoke too soon

That was tongue in cheek, hence the emot.
just was too fitting considering your post.


sorry.

Top Dog

smoc wrote: »

it was from the front. We both slid into each other but her car came out worse because I was sliding downhill. Thanks for your comment

Eh, wait a second. How the FUCK could she have slid into you? She was STATIONARY according to your own thread :mad:

http://www.boards.ie/vbulletin/showthread.php?t=2055478061

Keep digging sonny :rolleyes:

EPM

smoc wrote: »

it was from the front. We both slid into each other but her car came out worse because I was sliding downhill. Thanks for your comment

Was she sliding uphill?!?

EPM

look, it sounds like you hit her and you're p*ssed off at the quote. Really its tough sh1t and pay it lad. Ball is in her court as you hit her. She can get her car fixed wherever she wants

FX Meister

smoc wrote: »

Oh and i'm sure you know the type of person I am. I'm not your average joe. I have very high morale standards. I have raised thousands for charity, wouldnt hurt a fly, am a very respectful driver who cant stand boy racers or modified cars

You forgot to add ignorant and judgemental to your list of traits.

It sounds very cheesy I know but my point is i am not that guy. It was neither our fault. I believe in karma but I wont be bullied into paying more than i have to

It's either your fault of hers or each pay their own. If it wasn't your fault then why offer to pay? That's a stupid thing to do.

peasant

smoc

The solution to your problem is very simple:

1) it's totally your fault, accept that and move on

2) if you want to avoid paying higher insurance premiums in the future, pay out of your own pocket

3) if you feel that the other party is making too high a claim, hand it over to your insurance who will use an assessor to try and bring their cost down (theirs ..not yours !)

the choice is yours and item 1) isn't optional

tom-d

If you are going through your insurance company don't forget about your compulsory excess cause you will have to pay ,as i'm sure you know, the first x amount of Euro which could be around 300 or 500 Euro(Might be 0 Euro!) and your premium will go up as well.

So on a 1000 euro claim you could end up paying 500Euro of it the insurance company 500euro of it and your premium going up by 300 a year!

Hope this will be helpful!:D

Random

tom-d wrote: »

If you are going through your insurance company don't forget about your compulsory excess cause you will have to pay ,as i'm sure you know, the first x amount of Euro which could be around 300 or 500 Euro(Might be 0 Euro!) and your premium will go up as well.

So on a 1000 euro claim you could end up paying 500Euro of it the insurance company 500euro of it and your premium going up by 300 a year!

Hope this will be helpful!:D

You don't pay an excess on third party claims. You only pay the excess if you claim for your own damage.

tom-d

Random wrote: »

You don't pay an excess on third party claims. You only pay the excess if you claim for your own damage.

Opps my bad.

Looks like someone went to college.

P.C.

At least I got a good laugh.

Lots of people got caught out by the ice and snow.
Most paid for their mistakes - its good for the economy.

Eoin

EPM wrote:

well if the guards say it was neither party's fault let it off

I don't think the Gardai can make much of a decision though. If the OP doesn't pay, then is it not up to the insurance companies to sort out who pays for what?

smoc wrote: »

Just close it then. Everyone on this site is so bloody negative!!!!!!

Why are cage drivers so negative? I'm a biker mainly and you'd never get this **** from bikers. :mad:

Are you for real? I've never met a ruder, more ignorant bunch than on a certain Irish biker site. This site doesn't have a patch on it.

peasant

eoin wrote: »

mobile organ bank biker site.

Oyh ! That's bad form that.

(and off topic)

Eoin

Sorry. I've edited my post. I just hate all this "cager" crap.

Anan1

smoc - You don't decide whether or not the claim goes through your insurance, she does.

Biro

I think we're missing the whole point here. The snow has to pay up. It was at fault. Go back to the bridge, and if the same snow is still there, then beat the money out of it.

-Chris-

smoc wrote: »

To go through my insurance or not to go through my insurance, that is the question!?

That's the only question that's relevant in this thread, the rest is all fluff.

smoc wrote: »

I was involved in a small accident which involved no damage to my car but minor damage to the other car.

smoc wrote: »

I told him my first thoughts were pitty for her because my car wasnt damaged and hers was.

I thought you bumped into a wall as well as bumping into her, did that do no damage?

smoc wrote: »

Out of good will as I stated to the gardai i'll fix it because I feel sorry for her.

smoc wrote: »

She said you'd pay for her and I said yes but as I told her father over the phone it only as an act of good will.

Between your charity work and your goodwill body repairs, you must be fit to be canonised! :rolleyes:

smoc wrote: »

However, she wants 1,400 euro for it! I said no way the greedy git. I told the gardai i'd want a second estimate and if shes still greedy about it then i'll go through my insurance.

Get the second estimate yourself, or employ an independent assessor to do it on your behalf.

smoc wrote: »

(if she wants all the new parts (some i think were already broken or damaged anyway))

smoc wrote: »

I can understand it was more so the garage she got the estimate from being the greedy one but her accepting parts that I bet my bottom dollar were already scratched or damaged already is low.

You're basing this assumption on what, exactly?

smoc wrote: »

I have very high morale standards.

You've already been caught being "economical with the truth", and you're happy to try and weasel out of your responsibility. You're not setting the bar very high...

smoc wrote: »

It was neither our fault.

As discussed at length previously, this is simply not true!!

smoc wrote: »

I believe in karma but I wont be bullied into paying more than i have to

You're being bullied by an 18 year old girl?
Or are you being bullied & victimised by anonymous internet denizens who unanimously believe you're in the wrong?

smoc wrote: »

seeing as it was only 160 to replace and fit a new bumper

Where did you get that figure from? Between the part itself, painting, labour for fitment and cost of a replacement car while her car is in being repaired, your figure of €160 seems absurdly low.

smoc wrote: »

I'd consider this is coming from a guys back pocket and not an insurance company (as I have done in the past for real).

So, what you're saying is this is not the first accident you've been in where you've had to pay to get the other party's car repaired?

Or are you saying that someone crashed into you before and you were happy with a substandard repair job because you knew Karma would look after you?

smoc wrote: »

it was from the front. We both slid into each other but her car came out worse because I was sliding downhill.

Was she sliding uphill or waiting on the other side of the bridge? You're contradicting yourself (or lying, I'm not sure what to call it).


I'm sorry Smoc, but your story doesn't stack up and your attitude sucks.

My only fear in all of this is that, with the grilling you're getting here and in your previous thread, you may be able to cobble together a plausible/non-contradictory version of your story to tell to your insurance company, leaving this poor girl to pay for her own repairs...


Hey Peasant - is there an emoticon for banging your head repeatedly against a wall? I think I need it right now...

-Chris-

Biro wrote: »

I think we're missing the whole point here. The snow has to pay up. It was at fault. Go back to the bridge, and if the same snow is still there, then beat the money out of it.

I'm sorry, I don't subscribe to this kind of thinking. You can't just go around beating weather up.
You need to contact Mother Nature's insurance company, or at the very least get her policy number and pass it on to your insurance company.

The girl's insurance will claim from the OP's insurance company, and the OP's insurance company will claim from Mother Nature's insurance company. Mother Nature's premium will probably go up, but that's ok because she's rolling in it (snow, that is).

Cuddlesworth

smoc wrote: »

Just close it then. Everyone on this site is so bloody negative!!!!!!

Why are cage drivers so negative? I'm a biker mainly and you'd never get this **** from bikers. :mad:

I'm a biker. If I saw you on a bike fly over a icy hill, loose control and hit another bike I'm pretty sure you would still be called out on it. It's basic common sense.

Also from looking at your previous post, you really need to learn how to drive in icy conditions. Next time you could kill yourself or somebody else.

robtri

hopefully the answer will have gotten through to you already... the accident was your fault... pay the money or let your insurance pay for it....

close this thread, it has gotten pointless, SMOC has been given the answer he needs numerous times already, if he doesn't like the answer here, well thats just tough...

mickdw

OP, Call the girl, pay her. She might agree to a grand. I would then advise that you stop driving until you get a bit of cop on. You seen to lack even the most basic sense in matters of driving.

Examples: You jammed n the brakes in the snow ... straight to the scene of the accident
You claim she was at fault................... You slid into her stationary car
You now figure after careful reflection that you should have engaged reverse to avoid the crash when infact this would only have results in an immediate and hopeless loss of control.
You call the accident an act of god when it was totally due to lack of driving sense and ability. You should have been driving at a speed where your car could literally come to a stop without braking toward the crest of the bridge.

I really would hang up the keys if I was you. I dont even want to think of you on a motorbike.

peasant

robtri wrote: »

close this thread, it has gotten pointless, SMOC has been given the answer he needs numerous times already, if he doesn't like the answer here, well thats just tough...

I agree, no more new solutions are going to come out of this

closed now