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insurance, how long do i wait

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  • 06-01-2011 3:44pm
    #1
    ronald reagan
    Registered Users Posts: 74 ✭✭


    need some advice and im not sure who to ask so here goes.
    i was crashed into in august of 2010, driver admitted liability at roadside and put them same down on paper that day.

    car was deemed a write off by his insurance companys assesor but still have not received a cheque for my car.

    there are minor injuries involved (was out of work for about a month) and there is a civil case as a result of this

    car was bought for 2500 in early feb so not exactly huge sums of money involved here.

    basically im trying to find out is there a time limit on settling a claim ie 6 mths from when submitted or can they just delay it indefinetly??

    many thanks boardsies
    Tagged:


Comments

  • Options
    #2
    ronald reagan
    Registered Users Posts: 74 ✭✭ronald reagan


    anyone got an idea


  • Options
    #3
    kaiser sauze
    Registered Users Posts: 1,558 ✭✭✭kaiser sauze


    ronald reagan wrote: »
    need some advice and im not sure who to ask so here goes.

    Your own insurance company should be keeping you informed.
    ronald reagan wrote: »
    i was crashed into in august of 2010, driver admitted liability at roadside and put them same down on paper that day.

    That may be a problem. You never admit liability, it is a stipulation of all car insurance contracts. Who have you given this signed admittance of liability to?

    If the other driver's insurance company have access to that documentation they might have told him several months ago that he is on his own.
    ronald reagan wrote: »
    car was deemed a write off by his insurance companys assesor but still have not received a cheque for my car.

    It would be interesting to know how long ago the assessor made this declaration?
    ronald reagan wrote: »
    there are minor injuries involved (was out of work for about a month) and there is a civil case as a result of this

    Aha!

    Who are you claiming against? Is the other driver's insurance company covering his defence?

    If they are, the cheque will not be seen until after this case is heard.
    ronald reagan wrote: »
    basically im trying to find out is there a time limit on settling a claim ie 6 mths from when submitted or can they just delay it indefinetly??

    Indefinitely, it is called due process.
    ronald reagan wrote: »
    many thanks boardsies

    Welcome.


  • Options
    #4
    Kennie1
    Registered Users Posts: 302 ✭✭Kennie1


    ronald reagan wrote: »
    driver admitted liability at roadside and put them same down on paper that day.
    Not worth the ink that it was written with!!! Insurance company will access who they think was liable and the other driver can say he/she was in shock and did not realise what they were doing when they wrote it.


  • Options
    #5
    ronald reagan
    Registered Users Posts: 74 ✭✭ronald reagan


    got a chq today,only had to wait nearly 10 mths.


  • Options
    #6
    peteb2
    Registered Users Posts: 1,813 ✭✭✭peteb2


    kaiser sauze wrote: »

    Who are you claiming against? Is the other driver's insurance company covering his defence?

    If they are, the cheque will not be seen until after this case is heard.

    Wrong. If there is third party damage and a personal injuries claim the damage claim can still and should be settled well before any court case!


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  • Options
    #7
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    peteb2 wrote: »
    Wrong. If there is third party damage and a personal injuries claim the damage claim can still and should be settled well before any court case!
    Not correct. If you settle the damage claim, it has potential to prejudice the insurers defence for the injury aspect. One will not be admitted witout the other


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    #8
    peteb2
    Registered Users Posts: 1,813 ✭✭✭peteb2


    Completely wrong. Once an insurer has deemed they are liable for the claim they are obliged to settle the damage element asap. The court case for awarding any damages however is a separate matter. And the repair of the vehicle would not prejudice this.


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    #9
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    peteb2 wrote: »
    Completely wrong. Once an insurer has deemed they are liable for the claim they are obliged to settle the damage element asap. The court case for awarding any damages however is a separate matter. And the repair of the vehicle would not prejudice this.[/QUOTE

    Where has it been stated that the insurer has admitted liability on behalf of their client? That is entirely my point. If they settle the property damage section of the claim, they are wide open on the personal injury claim. What the client admitted at the scene has no effect, whether they wrote anything down or not


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