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Question

  • 12-03-2010 1:59pm
    #1
    scottyccfc
    Closed Accounts Posts: 47 ✭


    Had an accident,, better off goint to insurance or sorting it?


Comments

  • #2
    no1beemerfan
    Closed Accounts Posts: 1,714 ✭✭✭no1beemerfan


    What damage? Probable costs involved?

    Also your insurance may be invalid if you don't mention the extra two points.


  • #3
    scottyccfc
    Closed Accounts Posts: 47 ✭scottyccfc


    About 1k between both cars,better off sorting it privatly?


  • #4
    For Forks Sake
    Registered Users, Registered Users 2 Posts: 11,751 ✭✭✭✭For Forks Sake


    scottyccfc wrote: »
    About 1k between both cars,better off sorting it privatly?
    2 bumpers

    If the other driver is agreeable, i'd keep a claim that low off the inurance


  • #5
    scottyccfc
    Closed Accounts Posts: 47 ✭scottyccfc


    And if he comes back in 2 years claiming an injury Im covered?


  • #6
    no1beemerfan
    Closed Accounts Posts: 1,714 ✭✭✭no1beemerfan


    scottyccfc wrote: »
    And if he comes back in 2 years claiming an injury Im covered?

    Get him to sign a letter stating the payment is full and final settlement and don't lose it!


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  • #7
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,852 Mod ✭✭✭✭Henry Ford III


    scottyccfc wrote: »
    ....I have 6 penatly points but the insurance comapny think 4.....

    I think you may be as well off to tell them tbh.


  • #8
    robtri
    Registered Users, Registered Users 2 Posts: 5,473 ✭✭✭robtri


    firstly high horse... lying to your insurance company can result in them cancelling your policy... with all respect... its not worth it long term..

    Secondly... off high horse...
    I would report it to them, and tell them you are settling it yourself, minor damage..
    as you are not claiming from them.. your NCB should not be affected at all.


  • #9
    scottyccfc
    Closed Accounts Posts: 47 ✭scottyccfc


    Cheers lads, much appreciated!


  • #10
    1922
    Registered Users, Registered Users 2 Posts: 310 ✭✭1922


    scottyccfc wrote: »
    Cheers lads, much appreciated!

    this wouldnt happen to pacific


  • #11
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    no1beemerfan wrote: »
    Get him to sign a letter stating the payment is full and final settlement and don't lose it!
    If someone tried that on me i'd hang up and let my insurance company deal with the claim.

    OP - The other party decides whether or not to go through insurance. If they're OK with it, it might be better for you to just pay for the damage yourself, but you have to tell your insurance company about the accident. My advice is to see what quote they come back with, and then decide.


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  • #12
    listermint
    Registered Users, Registered Users 2 Posts: 34,216 ✭✭✭✭listermint


    from experience, try to keep it outside insurance as it it will cost you more in the long run.

    And ive also found that when people hear your insurance will deal with it they dont give a flying 'f' of the costs and then your premium is hit heavily.

    Try to agree a fix with the guy. Most people are generally ok with this and you both can be happy.


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