Insurance Claim

eor123

Just a quick question - I am a young driver, and was involved in a very small accident a few weeks ago, it has gone to the insurance companies and everything, but I cant help but thinking even if I am proven to be in the right, will my future insurance premium be higher than normal as I was involved in a accident?

Thanks!

galwayjohn89

eor123 wrote: »

Just a quick question - I am a young driver, and was involved in a very small accident a few weeks ago, it has gone to the insurance companies and everything, but I cant help but thinking even if I am proven to be in the right, will my future insurance premium be higher than normal as I was involved in a accident?

Thanks!

I'm 19, got rear ended. Had the same worries but at renewal time, when I was getting quotes it made no impact at all.

eor123

Vuzuggu wrote: »

I'm 19, got rear ended. Had the same worries but at renewal time, when I was getting quotes it made no impact at all.

Pretty much the same happened to me, only slightly more complicated! I was reversing out of a space, it was just after a bend, and was hit. I saw the driver coming but, didnt have enough time to change gear and pull back in, but i was completly stopped when I was hit. and 2 witnesses to back me up.. so fingers crossed! the insurance assessor says im in the right.. but its like a waiting game now!

chillywilly

If your no claims bonus is protected your premium should not go up. If the other driver is at fault your premium should not go up

CiniO

eor123 wrote: »

Pretty much the same happened to me, only slightly more complicated! I was reversing out of a space, it was just after a bend, and was hit. I saw the driver coming but, didnt have enough time to change gear and pull back in, but i was completly stopped when I was hit. and 2 witnesses to back me up.. so fingers crossed! the insurance assessor says im in the right.. but its like a waiting game now!

It doesn't sound good.
If you reversed into someone's way and didn't have time to change gear and pull back again, then surely the other driver had no time to stop before hitting you either.
In that case, it looks like your fault.

(but obviously I'm judging just by your description).

eor123

just an update.. the insurance still isnt settled for such a petty case, my insurance company denying liability so it is grand! Its nearly 6 months now, and damaged is approx €500.

jimmycrackcorm

CiniO wrote: »

It doesn't sound good.
If you reversed into someone's way and didn't have time to change gear and pull back again, then surely the other driver had no time to stop before hitting you either.
In that case, it looks like your fault.

(but obviously I'm judging just by your description).

If the other driver hit him at the side then it's the other drivers fault - that's what I got from the description.

eor123

jimmycrackcorm wrote: »

If the other driver hit him at the side then it's the other drivers fault - that's what I got from the description.

That is pretty much what happened, it was awkward for a while as the other driver was making stuff up for it to sway her way as she thought she could get away with it because I was young looking! But, thankfully it didnt work and the insurance company believed the truth. Pity the CCTV was of low quality, would have loved to have sent it in.

djimi

Im surprised such a small claim is taking so long to clear up to be honest.

From the sounds of it you were at fault; you should not be reversing onto a road immediately after a bend, but obviously without knowing the full story or the situation its hard to tell.

Mr Benevolent

A reversing car has no right of way, I suspect it'll go 50/50 or against you OP.

eor123

Confab wrote: »

A reversing car has no right of way, I suspect it'll go 50/50 or against you OP.

If im honest, I didnt want it to go to insurance companies as it was so petty, I just wanted to pay for my own car, and vice versa.

Its hard to describe how Im in the right because you would have to see where it happened. Its was a shopping complex so you cant really be driving at speed, and you need to be watching the road, which the other driver was not doing as I saw them looking in their rear view mirror talking to back seat passengers, thus why they are of the opinion that I simply reversed out in front of them without looking.

My car was fully stopped at the time, and the other driver was going at speed. So, I dont know, but the assessor was of the opinion I had right of way and so does the insurance company. But, if it ends with 50/50 I will be happy!

oldyouth

You do know that if a claim is settled 50/50, you pay for half of his damage and he pays for half of yours

eor123

oldyouth wrote: »

You do know that if a claim is settled 50/50, you pay for half of his damage and he pays for half of yours

really? I assumed it would be pay for your own. Feck sake anyway cause there was more damage done to their jeep, all that is wrong with mine is a scraped bumper and broken light. There bumper is 'torn' as in the scratches went through the plastic so the whole bumper needs replacing... :cool:

djimi

oldyouth wrote: »

You do know that if a claim is settled 50/50, you pay for half of his damage and he pays for half of yours

I had a 50/50 claim a few years back where we each paid for our own damage. Dont know if this is normally the case or not.

yer man!

djimi wrote: »

I had a 50/50 claim a few years back where we each paid for our own damage. Dont know if this is normally the case or not.

If it goes 50/50 then the insurance companies will advise both parties to settle it between them and to drop the case (assuming damage is minor). By doing this the premium shouldn't be increased and the NCB is still valid.

djimi

yer man! wrote: »

If it goes 50/50 then the insurance companies will advise both parties to settle it between them and to drop the case (assuming damage is minor). By doing this the premium shouldn't be increased and the NCB is still valid.

My claim was definately settled by the insurance (mine was for €2500) and they only sorted out my side of the claim.

oldyouth

yer man! wrote: »

If it goes 50/50 then the insurance companies will advise both parties to settle it between them and to drop the case (assuming damage is minor). By doing this the premium shouldn't be increased and the NCB is still valid.

If it proceeds to a claim, where liability is in dispute, which is eventually agreed on a 50/50 basis between insurers, then your insurer pays half of the other party's damage and his insurer pays half of your damage.

It can happen, where damage is at similar levels, that insurers advise their respective clients to look after their own damage