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tip in car park

  • 09-03-2009 7:31pm
    #1
    JAMM222
    Registered Users, Registered Users 2 Posts: 738 ✭✭✭


    howdy lads,


    Mrs Jamm was at the supermarket earlier and while reversing into a space there was a chap in a bmw who was coming out of a different space and they collided only damage on both cars is broken headlamp casing, bulbs and everything else is ok. The chap drives a company car and mrs jamm in the panic admitted blame although i think he was in the wrong anyway they swapped details and he said that he will have to claim for the broken headlight as it is a company car. So my question is will that go through mrs jamms insurance and will it affect her no claims bonus?

    Cheers


Comments

  • #2
    Barr
    Registered Users, Registered Users 2 Posts: 7,023 ✭✭✭Barr


    Yeah more than likely an insurance job unless you could approach him directly and offer to fix it .

    Either way you will be found liable as you were reversing I'm afraid.


  • #3
    miju
    Banned (with Prison Access) Posts: 8,486 ✭✭✭miju


    Barr wrote: »
    Either way you will be found liable as you were reversing I'm afraid.

    from experience (look up an old thread) this is not strictly true. from what the OP says both cars were reversing so the insurance company will find 50 / 50 on this.


  • #4
    JAMM222
    Registered Users, Registered Users 2 Posts: 738 ✭✭✭JAMM222


    turns out he was reversing as well. whats the story with excess waiver??


  • #5
    congo_90
    Registered Users, Registered Users 2 Posts: 2,339 ✭✭✭congo_90


    I'm a little confused as to how his headlight got smashed in the accident if both cars were reversing of was it a tail-light? an ex had this problem before and it became a 50-50 split between insurers.


  • #6
    JAMM222
    Registered Users, Registered Users 2 Posts: 738 ✭✭✭JAMM222


    sorry, yeah it was his tail light.


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  • #7
    L1011
    Registered Users, Registered Users 2 Posts: 71,184 ✭✭✭✭L1011


    Sounds like it could be 50/50, but admitting liability at the scene usually messes that up.


  • #8
    Mr Benevolent
    Closed Accounts Posts: 12,456 ✭✭✭✭Mr Benevolent


    Talk to your insurance company. Speculating won't sort it out for you.


  • #9
    Seth Brundle
    Moderators, Politics Moderators Posts: 41,235 Mod ✭✭✭✭Seth Brundle


    MYOB wrote: »
    Sounds like it could be 50/50, but admitting liability at the scene usually messes that up.
    mikemac wrote: »
    Well the main thing is nobody got hurt.
    Sounds 50/50 to me



    Which is why your insurance company advises you not to do it. Even if you are 100% in the wrong you don't admit liability. You exchange insurance details, if the other driver is ranting by all means agree to their demand to call the gardai.
    But say nothing that you don't have to. It's not that difficult.
    But of course people panic and start talking when they shouldn't.
    I don't think that admitting anything when under stress like this would stand up!
    My advice would be to mention the incident to the insurance company without taking things further. Then go back to the BMW driver and explain that he is also at fault and just agree that both drivers will sort themselves out!


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