Injuriesboards.ie letter after Car accsident, whats going on?!

ShadowHearth

So keep it short, my GF got in to car accsident, it was her fault. We rang insurance company and told about accsident. So far so good...

We called again to insurance company and they said dont call to them anymore as they dealing with it, and we should be woried or involved in it all. okay so far so good...


then after few months we got a letter from injuriesboard.ie or something like that, they are saying to sort out claim in 3 months or they will start doing it and claim 1050eu for it...

Boss of a place where my misses works asked his very good solister friend to look in to it. After looking in to it, he said not to worry its a standart thing, which happens after claim, he will sort it out what aver needs to be done... so far so good.


now a few days ago we getting letter than injuriesborads.ie is charging us 1050eu, as we did not reponded in 3 months!!! WTF?!

got back to that solister fella, and he says its bullsh*t, and bring that letter to insurance company...


i am so confused here, and a bit nervous, any ideas?

Random

pass the letter on to your insurance company. assuming there's no issues with your policy they are acting on your behalf. they will be able to advise you further then but will deal with the injuries board for you.

Anan1

Just forward on any correspondence to your insurance company, you've paid them to take care of it.

vectra

I assume injuriesboard wanted a letter of admission to to accident from your gf?

ShadowHearth

vectra wrote: »

I assume injuriesboard wanted a letter of admission to to accident from your gf?

they didnt specify that, it was so much crap written in it, and about 2/3 of letter was explaining, how you can send them 1 thausand euros!!

Barr

Im guessing you insurance company have consented to PIAB thats why they are looking for the fee.

It wont be comming out of your pocket so I wouldn't be stressing about it.

ShadowHearth wrote: »

So keep it short, my GF got in to car accsident, it was her fault. We rang insurance company and told about accsident. So far so good...

We called again to insurance company and they said dont call to them anymore as they dealing with it, and we should be woried or involved in it all. okay so far so good...


then after few months we got a letter from injuriesboard.ie or something like that, they are saying to sort out claim in 3 months or they will start doing it and claim 1050eu for it...

Boss of a place where my misses works asked his very good solister friend to look in to it. After looking in to it, he said not to worry its a standart thing, which happens after claim, he will sort it out what aver needs to be done... so far so good.


now a few days ago we getting letter than injuriesborads.ie is charging us 1050eu, as we did not reponded in 3 months!!! WTF?!

got back to that solister fella, and he says its bullsh*t, and bring that letter to insurance company...


i am so confused here, and a bit nervous, any ideas?

kyote00

The injuriesboard is a statuary body since 2004 (means it has legal power) --- either you or your insurance company need to reply to them. Normally you just need to pass on the letter to the insurance company --- you legally have to reply to them....

you got very bad advice (IMHO) for the 'solister fella'

Have a look here for some more information under "responding to a claim",
http://www.injuriesboard.ie/eng/Responding_to_a_Claim/Responding_to_a_Claim.html

ShadowHearth

kyote00 wrote: »

The injuriesboard is a statuary body since 2004 (means it has legal power) --- either you or your insurance company need to reply to them. Normally you just need to pass on the letter to the insurance company --- you legally have to reply to them....

you got very bad advice (IMHO) for the 'solister fella'

Have a look here for some more information under "responding to a claim",
http://www.injuriesboard.ie/eng/Responding_to_a_Claim/Responding_to_a_Claim.html

cheers lads. misses going to insurance company tommorow will see how it will roll out...

Esel

From that link:

What happens if someone makes a claim against me (the Respondent)?
If we receive a completed Application from a Claimant initiating a claim against you we will write to you with details of this claim. This correspondence is referred to as a Formal Notice.
We recommend that you advise your Insurance Company of this claim immediately. If your Insurance Company have agreed to handle the claim they will deal with InjuriesBoard.ie on your behalf.

Did you forward the original letter to your insurance company?

nogoodnamesleft

From being in a similar situation in the past (similar in that I was the injured party in an road traffic accident and liability was with someone else).

Your "solister fella" appears not to know what he is talking about if I were you I would seek professional legal advice.

It sounds like some one was injured in the car accident with your partner as you havent clarified the details only that she was liable for the accident.

All personal injury claims as of the last few years have to go through the injuriesboard (formerly the PIAB) who independently assess each claim prior to going to court. Its intended to eliminate the queue of claims before they actually reach court. They quantify what each claim is worth in the form of a figure say 1050euro based on medical assessment, records of treatment etc etc the injured party has received. It is up to the injured party to accept or reject the figure the injuries board proposes.

What it sound like is that they asked your partner for their consent to assess the claim (its standard procedure). If the request is not responded to within the 3 month period it is assumed that she gave their consent and the claim is processed by the injuries board.


If the injured party reject the figure the injuries board gives its approval for the injuried party to go to court. There is a risk thou in that if the person bringing the claim gets less than what the personal injuries board proposes they are liable for the legal costs after the court has ruled. If they accept they get the monetary figure and the claim is settled and that will be the end of it.

ShadowHearth

nogoodnamesleft wrote: »

From being in a similar situation in the past (similar in that I was the injured party in an road traffic accident and liability was with someone else).

Your "solister fella" appears not to know what he is talking about if I were you I would seek professional legal advice.

It sounds like some one was injured in the car accident with your partner as you havent clarified the details only that she was liable for the accident.

All personal injury claims as of the last few years have to go through the injuriesboard (formerly the PIAB) who independently assess each claim prior to going to court. Its intended to eliminate the queue of claims before they actually reach court. They quantify what each claim is worth in the form of a figure say 1050 based on medical assessment, records of treatment etc etc. It is up to the injured party to accept of reject the figure the injuries board proposes.

What it sound like is that they asked your partner for their consent to assess the claim its standard procedure. If the request is not responded to within the 3 month period it is assumed that she gave their consent and the claim is processed by the injuries board.


If the injured party reject the figure the injuries board gives its approval for the injuried party to go to court. There is a risk thou in that if the person bringing the claim gets less than what the personal injuries board proposes they are liable for the legal costs. If they accept they get the monetary figure and the claim is settled and that will be the end of it.

right, i read all that, but i still dont understand half, in our situation, what should we do now? Was that first letter was just needed to be given to our insurance company?

nogoodnamesleft

Obviously you should have acted on the 1st letter. But this is how I suggest you proceed as you have reported to your insurance company.

Your girlfriend has been in contact with a claims manager after the accident I assume to sort out damage to her car or any personal injury she might have sustained. They normally give you their contact details for such events. Contact them and tell them that you have received a letter stating what you have received, what they have done to sort it etc. They more than likely have been given a copy of all correspondence from the injurysboard addressed to you.

If you dont have the claims managers details, ring the insurance company with your policy number and ask for his/her contact details.

ShadowHearth

Well looks like its sorted, gone to insurance company.

Insurance company is dealing with injuriesboards.ie, all is okay so far. So no more 1k threats. Was some fudge up...


I hope i its finnaly sorted...

chasm

ShadowHearth wrote: »

Well looks like its sorted, gone to insurance company.

Insurance company is dealing with injuriesboards.ie, all is okay so far. So no more 1k threats. Was some fudge up...

I think "threats" is a slightly over the top description.

You say "then after few months we got a letter from injuriesboard.ie or something like that, they are saying to sort out claim in 3 months or they will start doing it and claim 1050eu for it..."

The 1st letter you received would have been to inform you that a personal injuries claim was being made against your girlfriend, and that she had 90 days to decide whether to consent to the assessment or not. If you did not respond within 90 days it is taken that you have agreed.

Your girlfriend should have contacted her insurance company when she received this letter, instead of listening to her boss's "very good solister friend" who said "he will sort it out what aver needs to be done" and seemingly didnt do anything by the looks of it!!

The 2nd letter, as you know, was to inform you that as you had not responded they were proceeding with the assessment and that you owed them the fee for the assessment.

I find it quite remarkable that there was no mention in these letters that you should hand the letters over to your (girlfriend's) insurance company.

It seems the "fudge up" was between your girlfriend, her boss's "friend" and the insurance company.....the injuries board were just doing their job.

ShadowHearth

chasm wrote: »

I think "threats" is a slightly over the top description.

You say "then after few months we got a letter from injuriesboard.ie or something like that, they are saying to sort out claim in 3 months or they will start doing it and claim 1050eu for it..."

The 1st letter you received would have been to inform you that a personal injuries claim was being made against your girlfriend, and that she had 90 days to decide whether to consent to the assessment or not. If you did not respond within 90 days it is taken that you have agreed.

Your girlfriend should have contacted her insurance company when she received this letter, instead of listening to her boss's "very good solister friend" who said "he will sort it out what aver needs to be done" and seemingly didnt do anything by the looks of it!!

The 2nd letter, as you know, was to inform you that as you had not responded they were proceeding with the assessment and that you owed them the fee for the assessment.

I find it quite remarkable that there was no mention in these letters that you should hand the letters over to your (girlfriend's) insurance company.

It seems the "fudge up" was between your girlfriend, her boss's "friend" and the insurance company.....the injuries board were just doing their job.

well solister with my GF went to insurance company, got all that sorted. By the looks of it, bouth insurance and solister said that there wount be any extra charges etc. lets hope its not one of those half done jobs again...

That Injuriesborad is a nice "asshole" fella in the town if you ask me. they sended that first letter, withouth even one word about: JUST GIVING THE LETTER TO INSURANCE COMPANY .Instead out of 3 pages, 2 of them were explanation, how can i pay 1k eu to them now!!!

It was written is such manner that normal person wount understand a thing. They knew all our insurance details, they knew we accepted a claim, they knew that our insurance company told us to not worry and they are dealing with it from now on. So why the hell they send something written in birds languadge and not just go to insurance company?! So they know they will be dealing with my insurance company, but they are just trying to get an extra 1k eu from me? Sorry, but this is just bullsh*t...

All this injuriesboards, is just anather, not needed company which stands between insurance company and person who claims. for what? to take even more cash... MMMmmmm....

chasm

I don't understand why your issue is with the injuries board, it wasnt them that "fudged up". It was pretty straight forward what should have happened;
You say your girlfriend contacted the insurance company and they said they would deal with it, so when she got the first letter she should have sent that onto the insurance company- because they said they would deal with it. There was no need for a solicitor at all tbh.

You claim that :
They knew all our insurance details, they knew we accepted a claim, they knew that our insurance company told us to not worry and they are dealing with it from now on. So why the hell they send something written in birds languadge and not just go to insurance company?!

It seems to me that either the injuries board were NOT informed that the insurance company were dealing with the matter or they were just "copying" you with the paperwork to keep you informed. Had the 90 days elapsed by the time you contacted your solicitor?

As regards...
"So they know they will be dealing with my insurance company, but they are just trying to get an extra 1k eu from me? Sorry, but this is just bullsh*t..."

They were not trying to get any "extra" from you, and tbh if anything is bullsh*t, it is that comment!!

"All this injuriesboards, is just anather, not needed company which stands between insurance company and person who claims. for what? to take even more cash... MMMmmmm."

The injuries board is an Independant Government Body which assesses the amount of compensation due to a person who has suffered a personal injury.
It doesnt "stand between insurance company and the person who claims", the claimant is allowed to settle with the insurance company if they so choose. It just means people must go through the injuries board before they can bring the matter to court. The Injuries Board charge around 1k fee to carry out the assessment, if it was taken straight to court i can assure you the solicitors fees would be a whole lot more....

Esel

Ignoring the first letter was where you went wrong. I know English is not your first language, but you could have got someone to read it and explain it to you...

langdang

esel wrote: »

Ignoring the first letter was where you went wrong. I know English is not your first language, but you could have got someone to read it and explain it to you...

+1
One or two insurance companies in ireland have a policy of using 'plain english' in their documentation, But in other cases it's a mix of industry jargon and legal mumbojumbo. looks like the solister fella didn't read it correctly either!

ShadowHearth

esel wrote: »

Ignoring the first letter was where you went wrong. I know English is not your first language, but you could have got someone to read it and explain it to you...

We did not ignored first letter, thats why we went to solister with first letter, as we couldnt understand a thing in it. And all he said: i will sort it out, dont worry, its ussual stuff. then after this solister was asked about 3-4 times during next two weaks, is everything okay, and is the thing sorted. In to which he just replyed: " oh yes, all sorted, dont worry".

I thought thats what i needed to do in case if i dont understand some official documents... but hey, i must just some lialia... :rolleyes:

when we got second letter, we brought it to him again, to ask: WTF?! His question was briliant after that: " did you actually told insurance about accsident?"... I thought to sort out such stuff, solister needed to call insurance company or atleast injuriesboards.ie to know the situation? :rolleyes:

On the first letter, they had all insurance details listed, they knew more then we did about our own policy... ( figurative speech, before you hang me here). Why the hell they just didnt sended that letter to insurance? Wouldnt that be more efficient? Less wait time for insurance company and person who claimed? Or even better, insurance company contacts the person and dealing with his claim?

sorry, but i still thing that this injuriesborad is just a third party which is not needed, and makes only confusion. Specially by sending letters in which are hard to understand. I couldnt understand it, damn even a couple of irish fellas, which seems to be educated, couldnt understand it...

ShadowHearth

chasm wrote: »

I don't understand why your issue is with the injuries board, it wasnt them that "fudged up". It was pretty straight forward what should have happened;
You say your girlfriend contacted the insurance company and they said they would deal with it, so when she got the first letter she should have sent that onto the insurance company- because they said they would deal with it. There was no need for a solicitor at all tbh.

You claim that :
They knew all our insurance details, they knew we accepted a claim, they knew that our insurance company told us to not worry and they are dealing with it from now on. So why the hell they send something written in birds languadge and not just go to insurance company?!

It seems to me that either the injuries board were NOT informed that the insurance company were dealing with the matter or they were just "copying" you with the paperwork to keep you informed. Had the 90 days elapsed by the time you contacted your solicitor?

As regards...
"So they know they will be dealing with my insurance company, but they are just trying to get an extra 1k eu from me? Sorry, but this is just bullsh*t..."

They were not trying to get any "extra" from you, and tbh if anything is bullsh*t, it is that comment!!

"All this injuriesboards, is just anather, not needed company which stands between insurance company and person who claims. for what? to take even more cash... MMMmmmm."

The injuries board is an Independant Government Body which assesses the amount of compensation due to a person who has suffered a personal injury.
It doesnt "stand between insurance company and the person who claims", the claimant is allowed to settle with the insurance company if they so choose. It just means people must go through the injuries board before they can bring the matter to court. The Injuries Board charge around 1k fee to carry out the assessment, if it was taken straight to court i can assure you the solicitors fees would be a whole lot more....

just to clear it up a bit. Are people forced to go to injuries board and get sorted theyr injuries claims, or they can just get the money of insurance company? As someone mentioned, that from 2004 all personal injure claims going throught injuriesboards.ie?

So maybe that person, just decided to make some nice living of a small injury( wrist, not broken, not relocated, just "hit", sorry dont know english word for it ) ? And he went for extra claim with injuries board, outside the amount that insurance company allready offered?

p.s. i am really helpfull for all help and info to all, but please understand me... this is first time in my life i have to deal something like that, and i dont whant to work untill jusgemnet day 24/7, to pay for someones god living...

chasm

ShadowHearth wrote: »

just to clear it up a bit. Are people forced to go to injuries board and get sorted theyr injuries claims, or they can just get the money of insurance company? As someone mentioned, that from 2004 all personal injure claims going throught injuriesboards.ie?

So maybe that person, just decided to make some nice living of a small injury( wrist, not broken, not relocated, just "hit", sorry dont know english word for it ) ? And he went for extra claim with injuries board, outside the amount that insurance company allready offered?

p.s. i am really helpfull for all help and info to all, but please understand me... this is first time in my life i have to deal something like that, and i dont whant to work untill jusgemnet day 24/7, to pay for someones god living...

Some insurance companies will make a compensation offer after the accident. A claimant can choose to accept this if they wish, or go through the injuries board and let them make an assessment on their behalf. You cannot just go straight to court though, you have to go through the injuries board who have to issue an authorisation first.
Some insurance companies make rather meagre offers only a day or two after the accident, without giving claimants the opportunity to seek medical or legal advice in the hope that the offer of a few euro in their hand within a week or so will make them settle for a lot less than they may be entitled to.

I find it extremely infuriating that people seem to assume that every claim for compensation is someone pulling a fast one. By going through the injuries board that claimant must provide a medical report provided by their GP stating the nature of their injury, just saying they have a sore wrist won't cut it i'm afraid!! They may also be sent for another medical with an independant medical professional, to receive a prognosis for recovery.
The insurance company receive a copy of this medical report and may make another offer if they choose.

ShadowHearth

chasm wrote: »

Some insurance companies will make a compensation offer after the accident. A claimant can choose to accept this if they wish, or go through the injuries board and let them make an assessment on their behalf. You cannot just go straight to court though, you have to go through the injuries board who have to issue an authorisation first.
Some insurance companies make rather meagre offers only a day or two after the accident, without giving claimants the opportunity to seek medical or legal advice in the hope that the offer of a few euro in their hand within a week or so will make them settle for a lot less than they may be entitled to.

I find it extremely infuriating that people seem to assume that every claim for compensation is someone pulling a fast one. By going through the injuries board that claimant must provide a medical report provided by their GP stating the nature of their injury, just saying they have a sore wrist won't cut it i'm afraid!! They may also be sent for another medical with an independant medical professional, to receive a prognosis for recovery.
The insurance company receive a copy of this medical report and may make another offer if they choose.

i see, cheers, i will have to wait a bit and see how it will go now. So if injuriesboard and insurance company wount found agreement, whats then? Court? Court with us or insurance company? If after all this we will have to go to court, then what was the point of insurance policy alltogether?

testicle

Some people could do with running their posts through a spell checker, before posting.

ShadowHearth

testicle wrote: »

Some people could do with running their posts through a spell checker, before posting.

some people could mind theyr own business.

have nothing to say? say nothing. that makes you look more intelegent.

Bandara

testicle wrote: »

Some people could do with running their posts through a spell checker, before posting.

How about you post in your second language and we'll see how good you are.

chasm

ShadowHearth wrote: »

i see, cheers, i will have to wait a bit and see how it will go now. So if injuriesboard and insurance company wount found agreement, whats then? Court? Court with us or insurance company? If after all this we will have to go to court, then what was the point of insurance policy alltogether?

If the claimant or the insurance company are not happy with the assessment and choose not to accept then it goes to court. It will be between the claimant/their solicitor and your insurance company. Your insurance company are acting on your behalf now so i wouldn't lose any sleep over it;)

Testicle, thanks for your imput, i'm sure that answered many of the OPs queries:rolleyes:

User Friendly

testicle wrote: »

Some people could do with running their posts through a spell checker, before posting.

testicle by name,testicle by nature,yeah?:rolleyes:

ShadowHearth

chasm wrote: »

If the claimant or the insurance company are not happy with the assessment and choose not to accept then it goes to court. It will be between the claimant/their solicitor and your insurance company. Your insurance company are acting on your behalf now so i wouldn't lose any sleep over it;)

Testicle, thanks for your imput, i'm sure that answered many of the OPs queries:rolleyes:

Ah cheers m8, cleared alot. Now i am armed with knowladge, so my stress levels droped! bad experience is experience aswell! fair play to you!

Cheers to the rest of the lads for being understanding, i know my grammar/spelling sucks, but its getting better and better .

Testicle... whatever, best of luck to you.