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Car hit, other driver drove off

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12357…21

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    #122
    Diego Maradona
    Closed Accounts Posts: 769 ✭✭✭Diego Maradona


    kbannon wrote: »
    Why are you paying 300? You aren't claiming off your own insurance, are you?
    €300 excess maybe?


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    #123
    Seth Brundle
    Moderators, Politics Moderators Posts: 39,130 Mod ✭✭✭✭Seth Brundle


    Diego Maradona wrote: »
    €300 excess maybe?
    Only if claiming against his own policy, I thought?


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    #124
    MugMugs
    Registered Users Posts: 17,875 ✭✭✭✭MugMugs


    kbannon wrote: »
    Diego Maradona wrote: »
    €300 excess maybe?
    Only if claiming against his own policy, I thought?

    To claim MIBI you claim through your own policy who act as an MIBI agent and charge the MIBI excess.


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    #125
    SLK2005
    Closed Accounts Posts: 59 ✭✭SLK2005


    tbh hope you get sorted. Hate people who dont take responsibility for their actions.


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    #126
    Michael Weston
    Registered Users Posts: 979 ✭✭✭Michael Weston


    Just read the entire thread, its like a Grisham novel. I love the regular updates but when I got to the end it felt like I had finished the second book in a series of three its a real cliffhanger. Come on TBH you are a hero bring this lowlife bitch to justice, if you could find a dead body to put in her boot for the Gardai to find it would be perfect:pac::pac: Seriously you should do that.


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    #127
    tbh
    Closed Accounts Posts: 15,914 ✭✭✭✭tbh


    kbannon wrote: »
    Diego Maradona wrote: »
    €300 excess maybe?
    Only if claiming against his own policy, I thought?


    Unfortunately if she's uninsured I have to pay the excess. Doesn't seem very fair but better than being landed with the whole bill.


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    #128
    ballooba
    Registered Users Posts: 6,315 ✭✭✭ballooba


    tbh wrote: »
    Not sure if the guard talked to the witness but I do know the witnesses didn't see who was driving. If the other driver does find an insured driver dumb enough to take the fall for her I'm delighted because it'll save me 300 quid!
    In Ireland, I thought that normal insurance policies only pertain to the insured vehicle. Can a driver be insured to drive a vehicle that has no insurance policy?


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    #129
    tbh
    Closed Accounts Posts: 15,914 ✭✭✭✭tbh


    ballooba wrote: »
    In Ireland, I thought that normal insurance policies only pertain to the insured vehicle. Can a driver be insured to drive a vehicle that has no insurance policy?

    well as far as I know, I'm insured to drive any vehicle with the owners permission.


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    #130
    ballooba
    Registered Users Posts: 6,315 ✭✭✭ballooba


    tbh wrote: »
    well as far as I know, I'm insured to drive any vehicle with the owners permission.
    For some reason I always thought the vehicle had to be insured too. I have a Driving Other Cars extension to my policy, so this is good to know.


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    #131
    audi a4 2008
    Registered Users Posts: 306 ✭✭audi a4 2008


    ballooba wrote: »
    For some reason I always thought the vehicle had to be insured too. I have a Driving Other Cars extension to my policy, so this is good to know.


    the other car has to be insured for any one to be covered to drive it,if car has no insurance u are not insured either...
    this is allways a confuseing one and people should be aware of it


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    #132
    tbh
    Closed Accounts Posts: 15,914 ✭✭✭✭tbh


    handy to know - thanks!


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    #133
    Bohrio
    Registered Users Posts: 2,774 ✭✭✭Bohrio


    audi a4 2008 wrote: »
    the other car has to be insured for any one to be covered to drive it,if car has no insurance u are not insured either...
    this is allways a confuseing one and people should be aware of it

    And I might be wrong but If I remember correctly you will only be insured as 3rd party, not fully comp.


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    #134
    Connavar
    Registered Users Posts: 849 ✭✭✭Connavar


    Bohrio wrote: »
    And I might be wrong but If I remember correctly you will only be insured as 3rd party, not fully comp.
    Thats down to the policy that you are on IIRC


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    #135
    but43r
    Registered Users Posts: 539 ✭✭✭but43r


    Connavar wrote: »
    Thats down to the policy that you are on IIRC

    Yep - you'd have to check Terms and Conditions of your policy to be sure.

    Some insurance companies cover all cars regardless if they have insurance or not, others only cars that have a valid insurance.


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    #136
    tbh
    Closed Accounts Posts: 15,914 ✭✭✭✭tbh


    ARRRGHH! Guard handling the case is off till monday at 9pm and hasn't checked the CCTV yet.


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    #137
    tayto lover
    Registered Users Posts: 51,652 ✭✭✭✭tayto lover


    tbh wrote: »
    ARRRGHH! Guard handling the case is off till monday at 9pm and hasn't checked the CCTV yet.

    I was looking for a particular garda in my local station last week. Couldn't get him as their shifts have changed and they are doing extra hours when working and have more days off. Croke Park thing it seems and gardai not happy about it either. Mostly working night now too. It might suit the Govt but it doesn't always suit the citizen.


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    #138
    Mr E
    Registered Users Posts: 55,474 ✭✭✭✭Mr E


    I hope the CCTV is safely stowed away (and not overwritten or deleted after a week or anything stupid like that). Hopefully it's all digital these days. It would be a shame for everything to fall through if the footage expired.

    Keep the faith, tbh. This thread has been the best saga thread I've read on Boards for a while! :)


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    #139
    ShadowHearth
    Registered Users Posts: 22,929 ✭✭✭✭ShadowHearth


    tbh wrote: »
    ARRRGHH! Guard handling the case is off till monday at 9pm and hasn't checked the CCTV yet.

    Does he ever work at all?!


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    #140
    wmpdd3
    Registered Users Posts: 9,624 ✭✭✭wmpdd3


    Mr E wrote: »
    I hope the CCTV is safely stowed away (and not overwritten or deleted after a week or anything stupid like that). Hopefully it's all digital these days. It would be a shame for everything to fall through if the footage expired.

    Keep the faith, tbh. This thread has been the best saga thread I've read on Boards for a while! :)

    Usually 3 dvd copies are made and stored the incident book / folder.


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    #141
    godtabh
    Moderators, Science, Health & Environment Moderators Posts: 23,211 Mod ✭✭✭✭godtabh


    wmpdd3 wrote: »
    Usually 3 dvd copies are made and stored the incident book / folder.

    Usual for you or usual for Blanch?


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    #142
    Kevwoody
    Registered Users Posts: 1,015 ✭✭✭Kevwoody


    This thread reminds me of watchin lost, if your not in from the start u have no idea what's going on, and just when u think it's wrapping up, there's another twist!

    Hope it end well op and doesn't leave u frustrated!


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    #143
    Mycroft H
    Registered Users Posts: 9,316 ✭✭✭Mycroft H


    Mr E wrote: »
    Keep the faith, tbh. This thread has been the best saga thread I've read on Boards for a while! :)

    You weren't around when BMW535d was here. That was a good yarn. :D


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    #144
    doubletrouble?
    Closed Accounts Posts: 310 ✭✭doubletrouble?


    Diego Maradona wrote: »
    €300 excess maybe?
    tbh wrote: »
    Unfortunately if she's uninsured I have to pay the excess. Doesn't seem very fair but better than being landed with the whole bill.
    if memory serves me well you pay the excess when hiring out a car while your own is being repaired then if the driver that hit you is insured you get the money back by claiming expenses so to speak. if the driver wasn't insured i dont know if you can claim the money back.
    i know the o.p. said the guards may have had a look at the insurance disk. if i may be frank ( was going to use t.b.h. ;)) it's still not worth the paper it's written on as i found to my cost. i was hit by a driver whom i thought was insured but they weren't. i rang the guards straight away when the accident happened thinking the other driver was uninsured. had a proper look at their disk when i got my head together, exchanged details then i cancelled the guards as the disk was legit. heres the catch. they took out insurance by D.D. as soon as they got the disk D.D was cancelled in other words they cancelled payment.. hence legit disk but not insured.


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    #145
    tbh
    Closed Accounts Posts: 15,914 ✭✭✭✭tbh


    Just rang the guards, she's off till Saturday apparently. Asked the guard who answered the phone if he could help and he said I was better waiting to talk to her. I know they have bigger fish to fry but this is getting beyond a joke to be fair.


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    #146
    MugMugs
    Registered Users Posts: 17,875 ✭✭✭✭MugMugs


    tbh wrote: »
    Just rang the guards, she's off till Saturday apparently. Asked the guard who answered the phone if he could help and he said I was better waiting to talk to her. I know they have bigger fish to fry but this is getting beyond a joke to be fair.

    Was going to pm you tbh as I couldn't be bothered searching for the thread but be careful with some of the advice being put up here. Gis a shout if you need clarity on anything during the process. :) Hope the Garda gets her act together soon.


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    #147
    Michael Weston
    Registered Users Posts: 979 ✭✭✭Michael Weston


    tbh wrote: »
    Just rang the guards, she's off till Saturday apparently. Asked the guard who answered the phone if he could help and he said I was better waiting to talk to her. I know they have bigger fish to fry but this is getting beyond a joke to be fair.


    Noooooooo!!!!! I cant be waiting another week.. Its hot out here, people are getting crazy this cop is going to push one of us over the limit. How swift or slow do you think justice will be applied when this crazy wench is brought to book? Are we looking at the summer here? Maybe you could share the court date and we could all go and watch, have a few beers after?? Make a day of it perhaps ???????:pac::pac::pac:


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    #148
    projectgtr
    Registered Users Posts: 2,461 ✭✭✭projectgtr


    I hate all this waiting around, hope this all works out well for you.
    audi a4 2008 wrote: »
    the other car has to be insured for any one to be covered to drive it,if car has no insurance u are not insured either...
    this is allways a confuseing one and people should be aware of it

    Afraid not, my policy allows me to drive any car whether its insured or not as long as its not in my name and i have the consent of the owner. I know guards hate that extension as allot of people abuse it, but its a standard extension on allot of policies.


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    #149
    tbh
    Closed Accounts Posts: 15,914 ✭✭✭✭tbh


    ok small update today - I rang the insurance company to let them know I couldn't get to the guard, and they told me that the assessor who checked my car, and her car, has written a report stating that, in his opinion, she's responsible for the damage to my car. So all we need from the guard is the information about whether she's insured or not - her liability isn't in question at this point.

    I was worried that enough time would pass to make it impossible to say for sure if it was her or not, but that doesn't seem to be an issue now.


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    #150
    Gary ITR
    Closed Accounts Posts: 16,805 ✭✭✭✭Gary ITR


    tbh wrote: »
    ok small update today - I rang the insurance company to let them know I couldn't get to the guard, and they told me that the assessor who checked my car, and her car, has written a report stating that, in his opinion, she's responsible for the damage to my car. So all we need from the guard is the information about whether she's insured or not - her liability isn't in question at this point.

    I was worried that enough time would pass to make it impossible to say for sure if it was her or not, but that doesn't seem to be an issue now.

    Thats great news


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    #151
    cyrusdvirus
    Closed Accounts Posts: 3,752 ✭✭✭cyrusdvirus


    tbh wrote: »
    ok small update today - I rang the insurance company to let them know I couldn't get to the guard, and they told me that the assessor who checked my car, and her car, has written a report stating that, in his opinion, she's responsible for the damage to my car. So all we need from the guard is the information about whether she's insured or not - her liability isn't in question at this point.

    I was worried that enough time would pass to make it impossible to say for sure if it was her or not, but that doesn't seem to be an issue now.

    Good to hear!! :D


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