Insurance Query - after crash

ZOLTAN28

Hi - involved in my first crash yesterday - someone hit me from behind while I was stationary and shunted me into the stopped car in front of me.

Back of my car is crumpled and I reckon the cost of repair will probably be more than it's worth (waiting on assessor to arrive).

Thing is - if it is a write-off - do they take the car? Does this blow my No claims bonus even though it wasn't my fault?

dudara

I was rear-ended while stationary on the hard shoulder of the N7 recently.

I dealth exclusively with the insurance company of the other driver. I told my insurance company (Axa), but I didn't persue the claim with them, so my NCB is unaffected. They advised me strongly to deal with the other drivers insurance (Quinn) so as to protect my NCB.

If the car is written off, you will get a price for the car. If you want to keep the car, you will buy it back at a salvage cost, i.e. Value of car settled at e5,000. Salvage price set at E800. You will then receive E4,200 plus the car. If you don't want the car back, then you'll get E5,000 and they'll take the car. If the car is currently in storage, negotiate to get the insurance company to cover the cost.

Make sure to get a hire car from the other insurance company, and don't settle the claim too quickly. I was initially fine after the crash, but I about a week later I developed some mild whiplash symptoms. A course of anti-immflamatories helped that, and I received a personal injuries settlement from Quinn, in addition to money for my car, and a hire car.

Get the claim in motion as soon as possible, so you can get a hire car and minimise the bother and hassle to you.

ZOLTAN28

Thanks Dudara - some great advice.

My insurance compnay is also his so I am hoping this makes things simpler but does it also mean that my NCB is gone even though it was not my fault?

I felt a bit of discomfrt straight after the impact but feel okay now - wife and three kids were with me and so far no after effects but I will keeping a close eye on things after what you said.

maclek

Go to your doctor as soon as you can. Whiplash can be quite a nasty thing and might show up much later. I'm not suggesting you go all compo but you need to cover yourself.

My wife was hit from behind a number of years ago. Our insurance company were 100% useless, said if we claimed on our policy then it would wipe out the ncb. The other insurance company were a complete shower, offered us €2000 for the car, we said if was worth €4000 (it was a write-off). We went with piab and they ordered the other company to pay us €10000 for the whiplash and €4000 for the car. We wouldn't have pursued the whiplash part if they weren't such bastards. She did have whiplash, confirmed by her doctor and the piab assigned one.

You should be better off given you both have the same insurance company, but I wouldn't count on it. They'll probably end up suing themselves.

ZOLTAN28

I think a trip to the doctor is on the cards - again not for compo's sake but for peace of mind

dudara

ZOLTAN28 wrote: »

I think a trip to the doctor is on the cards - again not for compo's sake but for peace of mind

Definitely, it may take a while to surface, but take a trip to your GP and get the insurance to pay for the trip.

It doesn't really matter that you share insurance companies, as you will be claiming from the other person's policy. Ring your company and ask for their advice.

Don't be afraid to look for expenses, hire car etc. You've been seriously inconvenienced (I most definitely was as I work as a consultant and need my car to visit clients) - I'm not saying to be greedy but make sure that you're not out of pocket etc.

Best of luck - get on the phone first thing tomorrow.

Barr

ZOLTAN28 wrote: »

Thanks Dudara - some great advice.

My insurance compnay is also his so I am hoping this makes things simpler but does it also mean that my NCB is gone even though it was not my fault?

I felt a bit of discomfrt straight after the impact but feel okay now - wife and three kids were with me and so far no after effects but I will keeping a close eye on things after what you said.

Your bonus will not be effected unless you go through your own policy. This shouldn't be an issue if the third party has accepted liability.