Dealing with insurance companies

gerbo

My parents were involved in a crash yesterday. The gardai were in attendance,the other party has accepted responsibility completely. My parents car looks like it will be a write off. My parents are ok but were kept in hospital overnight for observation.

I will be dealing with the insurance companies. How do I proceed and what are my parents entitled to.

keithclancy

gerbo wrote: »

My parents were involved in a crash yesterday. The gardai were in attendance,the other party has accepted responsibility completely. My parents car looks like it will be a write off. My parents are ok but were kept in hospital overnight for observation.

I will be dealing with the insurance companies. How do I proceed and what are my parents entitled to.

They'll be entitled to be compensated to put them back to the same situation they were in before the crash.

Their insurance company should look after all of this really, no need for you to

Henry Ford III

RoverJames wrote: »

Their insurance company should look after all of this really, no need for you to

Exactly. Report it to your parents insurer. Provide as many details as they want.
They should look after it from there car wise.

If there are injuries however you need to contact a solicitor.

djimi

Basically ring the insurance company and theyll talk you thru everything. Theyll deal with the whole lot; its what you pay them for!

Motorcheck

Call the claims department of your own insurance company as soon as possible. Give them all the relevant details regarding the Garda that attended and the policy information of the third party.

Make sure to keep all your receipts for anything associated with the accident (taxi, hospital bills, etc). You could be entitled to compensation later.

Our man in Havana

Beware that their insurance company may try to diddle your folks into settling early.

mgbgt1978

From personal experience (twice) your best course of action is to get a solicitor involved. The 1st consultation and sending a letter shouldn't cost more than €150 or so.
If you don't use a solicitor and just contact the other party's insurance company yourself they will simply fob you off with silly excuses.
Your own insurance company will only be concerned with confirming that they will not have to pay out any money.
If you do contact a solicitor he/she will need to deal with your parents, not you.

Henry Ford III

mgbgt1978 wrote: »

From personal experience (twice) your best course of action is to get a solicitor involved. The 1st consultation and sending a letter shouldn't cost more than €150 or so.
If you don't use a solicitor and just contact the other party's insurance company yourself they will simply fob you off with silly excuses.
Your own insurance company will only be concerned with confirming that they will not have to pay out any money.
If you do contact a solicitor he/she will need to deal with your parents, not you.

If there's no disputing liability you shouldn't need to use a solicitor.

If there are personal injuries however.......

Haddockman

Haddockman wrote: »

Beware that their insurance company may try to diddle your folks into settling early.

By their insurance company I was referring to his parents insurance company not the other parties.

langdang

From previous experience with AXA the "your insurance company will sort it all out" only applies if you are FULLY COMP.
If you are TPFT then you are on your own to fight it out with the other parties insurers. And if you and your parents are ordinary, decent, honest tax-paying citizens, be prepared to be disappointed with the outcome. This is based on experience.

Either way, inform insurers. Have a written account done up while it's still fresh in peoples minds, take some pictures of the damage and do some drawings of the location. (The assessor will probably meet you there and do the same but tis aswell to have it straight in your head before that)