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Just had a small crash

  • 21-02-2011 4:25pm
    #1
    maxwell smart
    Registered Users, Registered Users 2 Posts: 1,940 ✭✭✭


    My wife just had a small crash. Technically it was her fault as she went into the rear of someone.she was 3rd in a convoy and the guy in front stopped suddenly and she hit the guy in front of her.
    Lucky that guy has no damage (due to his towbar) but her radiator is knackered (front bumper needs replacing too I reckon). It looks like it will pass the price where it is cheaper to get it fixed without claiming (as she has step back on her policy).
    I think her comprehensive insurance will cover it but am just checking for your thoughts.

    Thanks
    Max


Comments

  • #2
    [Deleted User]
    Posts: 23,339 ✭✭✭✭ [Deleted User]


    Make, mode and age required really.

    And it was absolutely 100% her fault and her fault alone.


  • #3
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,859 Mod ✭✭✭✭Henry Ford III


    Watch out for the "whiplash" letter, which will doubtless be on it's way shortly.

    Crikey I'm cynical!


  • #4
    maxwell smart
    Registered Users, Registered Users 2 Posts: 1,940 ✭✭✭maxwell smart


    2004 Rav4


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


    maxwell smart wrote: »
    2004 Rav4

    Install radiator yourself and get a 2nd hand bumper painted. Much cheaper to not claim unless the NCB is protected rather than step back.


  • #6
    listermint
    Registered Users, Registered Users 2 Posts: 34,216 ✭✭✭✭listermint


    Henry Ford III wrote: »
    Watch out for the "whiplash" letter, which will doubtless be on it's way shortly.

    Crikey I'm cynical!

    Not to cyncical at all. Its shameful of the nature of people in this country now. All too often the 'victim' who is no more hurt than when they started their journey returns home telling friends and family of the incident and then the 'are you claiming' questions come up. Pretty much get talked up in to claiming until they start to see the Euros in their eyes.

    Its sickening. I dont envy you OP, Also if you can stay away from the insurance please do, far cheaper in the long run to get in repaired independantly.


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  • #7
    JustAddWater
    Closed Accounts Posts: 1,990 ✭✭✭JustAddWater


    RoverJames wrote: »
    And it was absolutely 100% her fault and her fault alone.

    OP There's your witness for the insurance company claim
    You seem so sure that she's at fault, sure you must have been there. How else can one be 100% sure

    The OP didn't come here for judgment on the crash, a little harsh!

    ... OP If you have stepback NCB protection then it might work out cheaper to get them to pay! Since thats why you're paying insurance!

    If you were (like me) never going to want to claim from an insurance company then you'd have gone 3rd party. Since you went fully comp, you must have thought that someday you'll need to make a claim, regretably that day is here. That said though, if you can stump the cash up yourself that's always the better option

    How far will your NCB step back to, that'd be another thing to consider? 1 year, 2 years, that might be tolerable but if you lose a good chunk of NCB then it might not be so good.

    Hope you're wife is OK btw!


  • #8
    cadaliac
    Registered Users, Registered Users 2 Posts: 2,903 ✭✭✭cadaliac


    Were the guards called? If not it will be your (your wife's) word against their's if there is a claim later on.
    I guess it is really up to the guy in front, I would notify the guards personally and also the insurance.
    Just because you tell the insurance company doesn't mean they will raise your premium. You can inform them and not claim, which is what i would do.


  • #9
    smellslikeshoes
    Registered Users, Registered Users 2 Posts: 3,354 ✭✭✭smellslikeshoes


    JustAddWater wrote: »
    OP There's your witness for the insurance company claim
    You seem so sure that she's at fault, sure you must have been there. How else can one be 100% sure

    The OP didn't come here for judgment on the crash, a little harsh!

    Eh? The OP's wife hit someone from behind, it's her fault and nobody elses.


  • #10
    [Deleted User]
    Posts: 23,339 ✭✭✭✭ [Deleted User]


    JustAddWater wrote: »
    Hope you're wife is OK btw!

    Well if she isn't he'd hardly be wondering about the radiator and his step back policy :rolleyes:


  • #11
    stevenmu
    Moderators, Society & Culture Moderators Posts: 9,689 Mod ✭✭✭✭stevenmu


    smellslikeshoes wrote: »
    Eh? The OP's wife hit someone from behind, it's her fault and nobody elses.
    There's a well known scam that involves the scammers having two cars in convoy in front of the victim. The first car in the convoy brakes hard for no reason 'causing' the second car to stop dead, causing the victim to go into the back of the second scammer.

    I'm not saying that's what happened here, but you can't just say that because someone hit someone from behind it's automatically their fault.


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  • #12
    [Deleted User]
    Posts: 23,339 ✭✭✭✭ [Deleted User]


    stevenmu wrote: »
    There's a well known scam that involves the scammers having two cars in convoy in front of the victim. The first car in the convoy brakes hard for no reason 'causing' the second car to stop dead, causing the victim to go into the back of the second scammer.

    I'm not saying that's what happened here, but you can't just say that because someone hit someone from behind it's automatically their fault.


    If the person was far enough back (as per the direction of being able to stop in the distance you can see to be clear) such scams wouldn't work.


  • #13
    smellslikeshoes
    Registered Users, Registered Users 2 Posts: 3,354 ✭✭✭smellslikeshoes


    stevenmu wrote: »
    There's a well known scam that involves the scammers having two cars in convoy in front of the victim. The first car in the convoy brakes hard for no reason 'causing' the second car to stop dead, causing the victim to go into the back of the second scammer.

    I'm not saying that's what happened here, but you can't just say that because someone hit someone from behind it's automatically their fault.

    There is a reason why that scam works and it's because it's the responsibility of the driver at the back to ensure that they have left adequate space between themselves and the car in front to be able to break safely and a lot of people don't give enough space.

    Scam or not, if you can't break safely if the car in front stops suddenly you are too close.


  • #14
    meercat
    Registered Users, Registered Users 2 Posts: 4,828 ✭✭✭meercat


    smellslikeshoes wrote: »
    There is a reason why that scam works and it's because it's the responsibility of the driver at the back to ensure that they have left adequate space between themselves and the car in front to be able to break safely and a lot of people don't give enough space.

    Scam or not, if you can't break safely if the car in front stops suddenly you are too close.

    driver behind is not always to blame

    http://www.boards.ie/vbulletin/showthread.php?t=2056182237


  • #15
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    RoverJames wrote: »
    Make, mode and age required really.

    And it was absolutely 100% her fault and her fault alone.

    Unless obviously the driver in front stopped on green light, and had two kids in the back.
    Then it will be his fault, if OP's wife will have a taxi driver as a witness
    :D


  • #16
    JustAddWater
    Closed Accounts Posts: 1,990 ✭✭✭JustAddWater


    smellslikeshoes wrote: »
    Eh? The OP's wife hit someone from behind, it's her fault and nobody elses.

    maybe you should read http://www.breakingnews.ie/ireland/learner-driver-loses-damages-claim-against-dublin-bus-493613.html#ixzz1E8fhNCef

    In this case a bus driver rear ended someone but was not responsible! Don't always assume! We don't know and therefore can't pass judgment


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