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Minor Accident - What is allowed to be claimed?

  • 29-06-2009 5:55pm
    #1
    NewApproach
    Registered Users, Registered Users 2 Posts: 2,191 ✭✭✭


    Sorry I know these sort of posts are regular and annoying, but I have a couple of questions...

    Dad was run into the back of the other day, nothing major by the looks of it and no one hurt but the estimates we got are around €1300. Originally the other guy wanted to avoid the insurance companies, but that may change, I don't know.

    Two questions:
    Are you allowed to claim the cost of covering the day lost in work to bring the car in to be repaired? He legally he must employ cover in work for any day he is absent, which could be significant.

    And also are you entitled to a replacement vehicle while the car is being repaired? Again this is important for him to have.


    Its not in his nature to profit from things like this, he just doesn't want to be left out of pocket by something that wasn't his fault.

    Thanks


Comments

  • #2
    Random
    Closed Accounts Posts: 19,080 ✭✭✭✭Random


    Yes, that sounds perfectly reasonable. If he is looking for car hire and loss of earnings though it'll probably end up going through the insurance.

    Some places will collect your car from you and drop off a loan car though, so you may not need a day off work.


  • #3
    mickdw
    Registered Users, Registered Users 2 Posts: 23,688 ✭✭✭✭mickdw


    I would say that he would be best to use repairers who will do everything for him, ie. pick up car and drop off replacement. These type of cost will be easily claimed without question but if he tries to go claiming for time off work etc just to go to garage, it could get messy


  • #4
    NewApproach
    Registered Users, Registered Users 2 Posts: 2,191 ✭✭✭NewApproach


    mickdw wrote: »
    I would say that he would be best to use repairers who will do everything for him, ie. pick up car and drop off replacement. These type of cost will be easily claimed without question but if he tries to go claiming for time off work etc just to go to garage, it could get messy

    Thanks for that, it is certainly an option, but its a relatively new car and he's getting the work done in a main dealer, and they are half an hour away. He got quotes from two places and will use the cheapest.

    whether or not they offer this service I'm not sure, but he would have an invoice for the cover in work anyway if something like that is required.


  • #5
    Random
    Closed Accounts Posts: 19,080 ✭✭✭✭Random


    If he really doesn't want to "screw anyone over" then he should contact the other guys insurance company, tell them what he wants and let them arrange how it happens.

    It's in their interests to chose the cheapest method possible then.


  • #6
    Del2005
    Registered Users, Registered Users 2 Posts: 19,102 ✭✭✭✭Del2005


    Random wrote: »
    If he really doesn't want to "screw anyone over" then he should contact the other guys insurance company, tell them what he wants and let them arrange how it happens.

    It's in their interests to chose the cheapest method possible then.

    He should contact the other person first and tell them the quote he's got, that he needs a hire car and loss of earnings. Then ask if they still want to go outside insurance. The other person will more then likely say go through insurance or if they start taking the proverbal then just hang up and call their insurance company.


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  • #7
    KF:)
    Registered Users, Registered Users 2 Posts: 42 ✭KF:)


    He should be entitled to a hire car, also he should be entitled to deprecation due to the accident (think this is 10% of the repair cost)


  • #8
    seamus
    Registered Users, Registered Users 2 Posts: 68,317 ✭✭✭✭seamus


    Del2005 wrote: »
    He should contact the other person first and tell them the quote he's got, that he needs a hire car and loss of earnings. Then ask if they still want to go outside insurance. The other person will more then likely say go through insurance or if they start taking the proverbal then just hang up and call their insurance company.
    Yep, best plan. If the guy wants to go the insurance route, and your Dad is fully comp, then your Dad should contact his own insurance company. They will organise a courtesy car and will organise to have his vehicle picked up/dropped off and will then charge the other person's insurance company for that.

    Where you are in an accident and are not at fault you are entitled to not be:
    a. Inconvenienced
    b. Out of pocket

    Some inconvenience is inavoidable, but if you need a vehicle to carry on your day-to-day life then you are entitled to hire one while yours is unavailable.


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