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Can my insurance company do it?

  • 09-01-2011 11:08pm
    #1
    observer2u
    Registered Users, Registered Users 2 Posts: 107 ✭✭


    I recently had a minor traffic accident. Nothing major - just a rear end bump but unfortunately the other party subsequently decided they had an "injury" 2 weeks after the accident.

    My insurance company decided to settle with the other party and did so without contacting me despite my repeated requests to do so. When I questioned why this happened they said that he was going to get a solictor and felt it was such a minor amount in "insurance terms". The full settlement included the cost of repair, the costs incurred by the other party (i.e taking time off to get the car fixed), the injuries suffered and the time off from work.

    I just feel that the insurance company just wanted to settle the case as quick as they could. The other party stated at the time of the accident that they were not injured. I know there is a certain amount of time after an accident but the insurance company did very little to question his injuries.

    Surely I have the right to decide whether I want to contest the settlement as this now going to double my insurance.

    Is this something that they can do freely or do they have a case to answer?


Comments

  • #2
    Greenmachine
    Registered Users, Registered Users 2 Posts: 5,063 ✭✭✭Greenmachine


    Sounds like an open and shut case to me. The merit of his injuries are the insurance company's concern not yours, unless of course you are contesting your liability for the accident.

    Not sure if this is the case, but I have the impression that you accepted liability for the accident. Correct me if I am wrong.


  • #3
    coylemj
    Registered Users, Registered Users 2 Posts: 25,703 ✭✭✭✭coylemj


    Read the policy document, they don't need your approval to come to a settlement with a 3rd party.


  • #4
    Atlantic Dawn
    Registered Users, Registered Users 2 Posts: 85,539 ✭✭✭✭Atlantic Dawn
    GDY151


    A claim is a claim, if it's for €6.2 million or €600 you lose your no claims bonus and start again, no other penalty. I wouldn't bother worrying about how much they are going to get, if it's deemed fraudulant the insurance company has ways of investigating.


  • #5
    [Deleted User]
    Posts: 23,339 ✭✭✭✭ [Deleted User]


    observer2u wrote: »
    I recently had a minor traffic accident. Nothing major - just a rear end bump but unfortunately the other party subsequently decided they had an "injury" 2 weeks after the accident.

    You drove into the back of someone, they may or may not be injured. Medical professionals cannot prove if someone does or does not have whiplash so insurers can't really be arsed bringing these things to court.


  • #6
    Yawns
    Banned (with Prison Access) Posts: 4,255 ✭✭✭Yawns


    If you claimed any liability then I think it's a done deal regardless of if you requested to be contacted. The settlement is with the injured party and your insurance company.


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  • #7
    mle1324
    Closed Accounts Posts: 1,881 ✭✭✭mle1324


    RoverJames wrote: »
    You drove into the back of someone, they may or may not be injured. Medical professionals cannot prove if someone does or does not have whiplash so insurers can't really be arsed bringing these things to court.

    Similar thing happened to my Mam, crashed (her fault) in August and the woman who she hit realized in February/March that she was injured. However her quote never changed in such a way that it was the same on her newer car which was a 1.4 and the wrote off one which was a 1.2 so happy days.


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