Any advice appreciated

faolteam

just need clarification

i was involved in accident today a person came out of a road that they should not have come out of and hit me

they have admitted liabilty and i would just like to know what is the normal procedure

everything was looking rosy until i received a phone call from her insurance company saying that she did indeed admit liability BUT she had no insurance to drive the car and she wass illegal and should not have been in the country.

and while this happened she was on her phone to some fella who appeared on the scene and he was saying to me i can fix this it is no problem.

But i was having none of it and said this was going through insurance,

i was originally going through their insurance but now i have to claim it off mine,

Well what has happened

is that the Garda were involved from the beginning and they took details they did say ta the time that they do not get involved in these accidents,

I have since notified the Garda what her insurance company informed me. and i am waiting for the Garda to get back to me.

Unfortunately i have since gone to my own insurance body repairs who have a Good credential record .in fairness my insurance company did say would i mind using one of their Crash repairs but before i brought in the meantime my own mechanic said exactly what they said they would do,

Apparently my insurance company will claim back the money from some insurance bureau,

They have informed me that if the person who owns the car gave permission for the person to drive the car they will be able to get some of it from his insurance but not all of it.
his insurance company will have said not to say that he gave them permission

does this mean that techinically i have made a claim and will be stook with this insurance company for a few years

Henry Ford III

www.mibi.ie

faolteam

even though i have started claiming from my comprehensive insurance

msg11

As stated www.mibi.ie, they will deal with this but be prepared to wait. By the way I think you should make an official complaint to the Garda about the driver driving uninsured, should get things moving pretty quick.

Berty

Yes you have made a claim of sorts in that you will have to declare to your and future insurance companies if you have made a claim in the past, whether it have been your fault or not or claimed through your insurance or not.

The uninsured drivers scheme is there to protect you in this event.

The Gardai will have to prosecute the owner of the car if he indeed let her drive it knowing she didn't have insurance. She can also be done for driving without insurance.

Either way one of them is fooked. Either he says "yeah I knew she had it" and he gets done and so does she or he says "I didn't know she had it" and she gets done for taking a vehicle without permission.

faolteam

for three years or so ??

AM i allowed ask the garage were its getting fixed how much the final bill is?

When the accident happened i rang the Garda and they came and they took details from me and her, when i found out she had no insurance i rang the Garda station and teh Garda on duty said he would inform the Garda who were involved

After they took details they said it was up tp us to sort it out and they left after i got details from the girl. in meantime she had rung her fella who suddenly appeared on the scene


but as i said she probably well gone

Absurdum

don't hold your breath waiting for the Gardai to do anything at all

x in the city

faolteam wrote: »

just need clarification

i was involved in accident today a person came out of a road that they should not have come out of and hit me

they have admitted liabilty and i would just like to know what is the normal procedure

everything was looking rosy until i received a phone call from her insurance company saying that she did indeed admit liability BUT she had no insurance to drive the car and she wass illegal and should not have been in the country.

and while this happened she was on her phone to some fella who appeared on the scene and he was saying to me jim 'ill fix it..?:rolleyes:

But i was having none of it and said this was going through insurance,

i was originally going through their insurance but now i have to claim it off mine,

Well what has happened

is that the Garda were involved from the beginning and they took details they did say ta the time that they do not get involved in these accidents,

I have since notified the Garda what her insurance company informed me. and i am waiting for the Garda to get back to me.

Unfortunately i have since gone to my own insurance body repairs who have a Good credential record .in fairness my insurance company did say would i mind using one of their Crash repairs but before i brought in the meantime my own mechanic said exactly what they said they would do,

Apparently my insurance company will claim back the money from some insurance bureau,

They have informed me that if the person who owns the car gave permission for the person to drive the car they will be able to get some of it from his insurance but not all of it.
his insurance company will have said not to say that he gave them permission

does this mean that techinically i have made a claim and will be stook with this insurance company for a few years

foerigners, huh...

so many of them driving illegally is scandalous.

faolteam

sure is

learnt one thing though , probably better of uninsured u get more rights

Henry Ford III

OP I went through the MIBI process a couple of years back. A classic car I own was hit by an uninsured driver.

My policy paid for the repairs. We then recovered through MIBI. The whole thing was sorted in a few months, and my NCB was reinstated in full.

I chased the case, insofaras I called the assessors every week or so to finalise things.

-Chris-

x in the city wrote: »

foerigners, huh...

so many of them driving illegally is scandalous.

Let's do this thread without the racism please...

faolteam

Henry Ford III wrote: »

OP I went through the MIBI process a couple of years back. A classic car I own was hit by an uninsured driver.

My policy paid for the repairs. We then recovered through MIBI. The whole thing was sorted in a few months, and my NCB was reinstated in full.

I chased the case, insofaras I called the assessors every week or so to finalise things.

are the asseors you mention

ps i sent u a pm

faolteam

is it not manadatory to have a driving licence on you when your driving

and if you have none on you, should the car not be impounded

like what i am saying why did the garda not do a check up on both cars that was involved staright away over the radio to see if they were both insured and the correct people were driving the car, and if not then surely the car should be impounded and the person or person aresseted ,

Would this not make sense if they were after a joyrider im sure they would check in advance with the station

seems to me that the new thing now when these people who are not insured and garda are called automatically admit responsibilty so the GARDA will Pi<< off and they can get out of there, seems like a scam to me, Do the Garda realise this. really hope there are some Garda reading this.

-Chris-

You do need to carry your licence, but the car won't be impounded if you don't have it - instead you'll be asked to produce it within 10 days at your local station.

I think in a lot of cases the working Garda is tied by legislation or procedure - i.e. they're probably instructed from on-high that if there are no injuries and no contesting of responsibility then the Garda needs to move on asap to the next thing. Garda numbers are being reduced and the management will try to find efficiencies wherever they can.

faolteam

Just wondering . but i had to use my comprehensive insurance, as the person driving the car was not insured to drive the car ,

will i get back my policy excess back ?//

the insurers bureau are saying they will write to the persons insurance company