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Insurance question?

  • 17-02-2011 10:15pm
    #1
    bernyh
    Closed Accounts Posts: 249 ✭✭


    In the apartment block where I live, there are a couple of guys who are using the parking spacesto "fix" up cars to sell (that's just a by the way and not the point of this thread)

    Anyway one of the cars was parked out in the car park and my neighbour accidentally bumped into it causing a little bit of damage to the wing. Anyhow the fella who is fixing the cars has asked him for €900 to fix the wing. This car is UK registered as are most of them, they don't have any tax or insurance displayed on them...

    My question is can my neighbour who is fully comp go tell the guy to sing for €900 as he won't/can't go through insurance as the owner doesn't have any?


Comments

  • #2
    jaffa20
    Registered Users, Registered Users 2 Posts: 4,565 ✭✭✭jaffa20


    He is still entitled to have his car repaired and entitled to make a claim with your neighbours insurer. He wasn't driving the car at the time anyway...


  • #3
    bernyh
    Closed Accounts Posts: 249 ✭✭bernyh


    I kinda thought that, but just wondered if the car is uninsured what right does he have to have it parked on a public road etc, and wondered would the insurance co only deal with another insurance co?


  • #4
    bernyh
    Closed Accounts Posts: 249 ✭✭bernyh


    Actually another question, what if the shoe was on the other foot? What if he had crashed into my neighbour with his uninsured car and refused to pay? Where would you go from there?

    Sorry two questions on one topic... but was just thinking about that too..


  • #5
    jaffa20
    Registered Users, Registered Users 2 Posts: 4,565 ✭✭✭jaffa20


    bernyh wrote: »
    Actually another question, what if the shoe was on the other foot? What if he had crashed into my neighbour with his uninsured car and refused to pay? Where would you go from there?

    Sorry two questions on one topic... but was just thinking about that too..

    We all pay towards these situations in our premiums:mad:. Just parted with over 1k for mine today.

    You would make a claim with the MIBI in the above case

    http://www.mibi.ie/uninsured-unidentifi.html


  • #6
    [Deleted User]
    Posts: 23,339 ✭✭✭✭ [Deleted User]


    €900 :eek:
    I'd tell him to f off and come back with a realistic price.


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  • #7
    [Deleted User]
    Posts: 24,714 ✭✭✭✭ [Deleted User]


    bernyh wrote: »
    Actually another question, what if the shoe was on the other foot? What if he had crashed into my neighbour with his uninsured car and refused to pay? Where would you go from there?

    Sorry two questions on one topic... but was just thinking about that too..

    How do you know he is uninsured?

    Also the apartment block is almost certainly private property so the cars don't have to be insured while parked there.


  • #8
    galwaytt
    Registered Users, Registered Users 2 Posts: 12,822 ✭✭✭✭galwaytt


    bernyh wrote: »
    My question is can my neighbour who is fully comp go tell the guy to sing for €900 as he won't/can't go through insurance as the owner doesn't have any?

    He can try - I would. First, get your camera phone out and take loads of pic's of the carry-on.
    Tell him you want to go through the insurance, and so need to report the accident to the Garda, and need his insurance details. And the management company for the apartments would like his, as well.......

    Let's see what response that elicit's........
    RoverJames wrote: »
    €900 :eek:
    I'd tell him to f off and come back with a realistic price.

    If you have done some damage it's only fair you should fix it- but only on a fair basis. He's just pulling the salty water tbh.........

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



  • #9
    bernyh
    Closed Accounts Posts: 249 ✭✭bernyh


    Tessa Mealy Beetle wrote: »
    How do you know he is uninsured?

    Also the apartment block is almost certainly private property so the cars don't have to be insured while parked there.


    I know he's uninsured cos he told my neighbour so, also there are at least 12 vehicles in the parking area all uk registered which are showing out of date UK mot and no Irish tax or insurance discs.

    The apartment block is not private road, as part of our management co we sold the road to fingal to allow them to take over the running of street lamps etc (I'm owner occupier so know this for sure as we had a vote about it a couple of years ago)

    It's not my fight to fight, but as I'm a nosey person I'm interested in how this will play out, my neighbour who bashed his car is pretty adamant that he isn't paying the €900, i kinda agree with him as it's only a really minor scratch, he offered to buff it up for him but the car owner wasn't interested in allowing him..

    sorry not SOLD to fingal but allowed them to take over the management of the road as they were building a public facility which would require use of the road to access the facility....


  • #10
    jaffa20
    Registered Users, Registered Users 2 Posts: 4,565 ✭✭✭jaffa20


    12 uk reg vehicles:eek:. Then, VRT evasion is a bigger issue here. If the gardai were mentioned, he'd probably say forget all about it.


  • #11
    Ricardo G
    Registered Users, Registered Users 2 Posts: 1,308 ✭✭✭Ricardo G


    I'm sure customs would love to get their hands on these !!!
    12 uk reg'd cars, this guy should have a sales yard for himself


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  • #12
    bernyh
    Closed Accounts Posts: 249 ✭✭bernyh


    jaffa20 wrote: »
    12 uk reg vehicles:eek:. Then, VRT evasion is a bigger issue here. If the gardai were mentioned, he'd probably say forget all about it.


    seriously there are 3 van's 4 small cars 4 bmw/mercedes cars and one that the guy uses himself to get around not sure what type of car that is.

    Must say to my neighbour tomorrow if I see him he should suggest going to the gardai...

    It is a pain in the ass with all the "unused" cars with "for sale" on them parked in spots as there's not really enough spaces to go around as it is, which is partly why my neighbour banged the car in the first instance as other cars are parking wherever they can just to park at their house.


  • #13
    Ricardo G
    Registered Users, Registered Users 2 Posts: 1,308 ✭✭✭Ricardo G


    Tell your neighbour to take photos of all the uk reg'd cars and present them to the customs, he wont be long changing his mind about the damage :)


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