Insurance question - skidded on ice

hidinginthebush

Hi everyone,
I was out driving on the local ice rink, car started to fish-tail and I left the road and hit some railings. Due to the harsh conditions, I was going 10 km/h tops, and the front left wheel took the brunt of the impact. Now the steerings out of whack, left front wheel is not aligned with the rest of them. My dad said it sounds like the chassis could be damaged, so before I ring the insurance to let them know what happened, is this sort of thing covered by insurance or will they tell me it was an act of god, thanks for playing? (Fully-comp, male driver, 26 years old, 123.ie).

Thanks.

Profiler

If you have comprehensive cover then it is covered.

The cause of the accident isn't an act of God by the way, it's an act of you!

Kev80

Yes once you have comprehensive this incident would be covered but check your policy to see what the excess is. The excess is the amount which will not be covered by the insurance company. It's normally a couple of hundred euro but can vary between different companies.

cml387

Highly unlikely your chassis is bent at that low a speed.Likely a bent wishbone or some such. Should be fairly straightforward and it might not be worth bothering your insurance company.

Del2005

hidinginthebush wrote: »

Hi everyone,
I was out driving on the local ice rink, car started to fish-tail and I left the road and hit some railings. Due to the harsh conditions, I was going 10 km/h tops, and the front left wheel took the brunt of the impact. Now the steerings out of whack, left front wheel is not aligned with the rest of them. My dad said it sounds like the chassis could be damaged, so before I ring the insurance to let them know what happened, is this sort of thing covered by insurance or will they tell me it was an act of god, thanks for playing? (Fully-comp, male driver, 26 years old, 123.ie).

Thanks.

If you where only doing 10km/h then there's little chance of chassis damage. Most likely your tracking/alignment and some suspension/wheel damage is all that's wrong.

Edit.
Just noticed cml387 beat me to it.

smellslikeshoes

Nothing to do with God, you chose to drive in those conditions and it bit you. Insurance company will treat it just the same as if you had an accident on a warm summers day. I would definitely have the damage properly looked at though as it could be a straight forward enough fix and not worth loosing your ncb over.

hidinginthebush

great, thanks for all the replies! I'll give them a buzz now in case I have to claim for it later on.

antodeco

Im in the exact same problem. Im getting onto the insurance co anyway, as I have breakdown assistance, so Im going to get them to tow me to a local mechanic for free

hidinginthebush

antodeco wrote: »

Im in the exact same problem. Im getting onto the insurance co anyway, as I have breakdown assistance, so Im going to get them to tow me to a local mechanic for free

i like it! i was only 5 mins from home, ironically the iciest part of the trip, so I just skidded home. Rang them there, the poor girl said the phones were off the hook all night. Anyway, hope you weren't hurt! Cars can be fixed, nerve tissue, not so much