minor accident procedure

M cebee

just wondering
how do you sort out who's at fault,insurance etc. properly in the event of a minor accident?
is it true that the gards don't come out unless there's an injury?
thanks

Tallon

PHOTOS!!! Always take photos!

I have a dash cam, and camera in the glovebox at all times

Even a disposable one will do

Take photos of everything and everyone and of tax / insurance discs

That's what I do / have done

M cebee

Tallon wrote: »

PHOTOS!!! Always take photos!

I have a dash cam, and camera in the glovebox at all times

Even a disposable one will do

Take photos of everything and everyone and of tax / insurance discs

That's what I do / have done

ok -why tax disc?

MidlandsM

tax disc details??? ehhhhhh??? no.

Tallon

M cebee wrote: »

ok -why tax disc?

Well, if a person crashes into you, and they don't have tax, then the car should not be on the road!

Saved me a lot of trouble a few years ago when a guy clipped my mirror and claimed all sorts off my insurance... Called the insurance company (his was the same as mine) and emailed them the photo of his expired tax and NCT to which the claim was dropped!

MidlandsM

Tallon wrote: »

Well, if a person crashes into you, and they don't have tax, then the car should not be on the road!

Saved me a lot of trouble a few years ago when a guy clipped my mirror and claimed all sorts off my insurance... Called the insurance company (his was the same as mine) and emailed them the photo of his expired tax and NCT to which the claim was dropped!

Tallon, tax has NOTHING to do with insurance........nothing.

Tallon

MidlandsM wrote: »

Tallon, tax has NOTHING to do with insurance........nothing.

I never said it did

Read my post!

If a car has no tax, then it shouldn't be on the road.

You can contest this to the insurance company / Gardaí / Courts (Like what I did in my case, although his NCT was out too)

Why would you NOT take a photo of it if your taking photos of everything else?

MidlandsM

Tallon wrote: »

I never said it did

Read my post!

If a car has no tax, then it shouldn't be on the road.

You can contest this to the insurance company / Gardaí / Courts (Like what I did in my case, although his NCT was out too)

Why would you NOT take a photo of it if your taking photos of everything else?

contest all you like, tax has zero to do with insurance......nothing.

Tallon

MidlandsM wrote: »

contest all you like, tax has zero to do with insurance......nothing.

Read the first sentence, of my last post!

MidlandsM

ahhh come on now Tallon, you alluded to it by saying take photos of tax discs, which is pointless as tax has nothing to do with insurance as you know, or should know at this stage how things work in the country.

Tallon

MidlandsM wrote: »

ahhh come on now Tallon, you alluded to it by saying take photos of tax discs, which is pointless as tax has nothing to do with insurance as you know, or should know at this stage how things work in the country.

What the fúck are you on about?

There's plenty of reasons for it as I've already outlined above!

Car's with no tax, shouldn't be on the road, irrespective of insurance

If the Gardaí do get involved, you can contest that the car shouldn't have been on the road in the first place

I also told you what happened in my personal experience! I rang the insurance, they canceled the claim based on my opinion that the car should not have been on the road

I said take photo's of everything! you picked one thing out of my post and ran with it!

If the chap had bald tyres, I'd be taking photos of that too! If he had old scratches with rust ect, I'd be taking that too!

I'd try cover all angles, no matter what they were!

Also, you're assuming it's going to go down an insurance route! What if the Gardaí call to the door and say you left the scene without stopping? It would be very hard to prove that you didn't stop if you had photos of every part of the car

Why you're arguing here, I have no idea

If needed be, I could show you all the photo's I took when my mirror got clipped all those years ago (The one's I sent to the insurance company) and the corresponding letters from the insurance companies.. but I don't need to. I'm hardly going to make up a story here

MidlandsM

.........good jebus..............i give up on you..........you are deluded with the line
"Car's with no tax, shouldn't be on the road, irrespective of insurance" .....it has nothing to do with insurance, which is what the thread is about.......

...you don't have a clue.......

Tallon

Obviously not!

If you still want to educate me on how insurance works, feel free to PM me as this is going nowhere

/Thread ruined

MidlandsM

Tallon wrote: »

/Thread ruined

no, I'm not pming someone who refuses to be informed........so sorry to have pointed out the truth of how it works in the real world of insurance liability......but as this thread is ruined as you claim, would you like me or you to start a new thread asking "if I have an accicent/claim, will I be fcuked because I have no road tax?" Maybe add a Poll ?

...because I think we both know what the general consensus will be.....you're wrong, just grow a set of kahunas and get over yourself.

Tallon

What am I wrong about?

MidlandsM

MidlandsM wrote: »

...because I think we both know what the general consensus will be.....you're wrong, just grow a set of kahunas and get over yourself.

Who pissed in your cornflakes?

MidlandsM

Tallon wrote: »

What am I wrong about?

you trolling now? or just dumb?

Tallon

MidlandsM wrote: »

you trolling now? or just dumb?

Genuinely!

What have I said in the thread that I have been wrong about!

Quote me!

omega666

urbanledge wrote: »

Who pissed in your cornflakes?

At a guess i'd say he was involved in an car accident having no tax recently!

MidlandsM

Tallon wrote: »

Genuinely!

What have I said in the thread that I have been wrong about!

Quote me!

so you are dumb..........relying on the
Car's with no tax, shouldn't be on the road, irrespective of insurance ....BS ............tax has nothingh to do with insurance liability

...........:rolleyes:

lisaj

Back to the original post...

M cebee wrote: »

just wondering
how do you sort out who's at fault,insurance etc. properly in the event of a minor accident?
is it true that the gards don't come out unless there's an injury?
thanks

I agree that its best to take a photo of everything. I had a minor ding last year, I rang the local garda station as opposed to dialling 999. They asked was there anyone injured, when I said no, they said to just swap details and contact insurance.

I would suggest calling your insurance company straight away to tell them what happened regardless of there being a claim. Then if their insurance get on to yours, at least you've already told them what happened.

Tallon

MidlandsM wrote: »

so you are dumb..........relying on the
Car's with no tax, shouldn't be on the road, irrespective of insurance ....BS ............tax has nothingh to do with insurance liability

...........:rolleyes:

So to answer my question, NO, you cannot quote a time when I have been wrong in this thread!

Thanks for that, appreciate you clearing that up for all the people watching this train wreck!

Nice to see you resort to insults too! very mature of you

Nothing I have said in this thread has been wrong, you just don't agree with some of it. There's a difference!

MidlandsM

Tallon wrote: »

So to answer my question, NO, you cannot quote a time when I have been wrong in this thread!

Thanks for that, appreciate you clearing that up for all the people watching this train wreck!

Nice to see you resort to insults too! very mature of you

Nothing I have said in this thread has been wrong, you just don't agree with some of it. There's a difference!

..... and this is the best you can do, to cover up your stupidity? :pac:

I think a new thread is in order to put your theory to the test, that tax is an integral part of being insured?!!! lol

Tallon

MidlandsM wrote: »

. tax is an integral part of being insured?!!! lol

Hahaha, NO ONE IN THIS THREAD SAID THAT!

You can start a thread if you want, but no one has said that you need to have your car taxed to be insured!

discombobulate

I think the question you too are fighting over is:

Are you insured if you have no tax? i.e. someone tries to claim against you and you can show they had no tax at the time. Does this mean they can't claim?

MidlandsM

if you don't think its required, why do you recommend taking photos of tax disc in answer to the OP's question............

you're now squiming...........:P

MidlandsM

discombobulate wrote: »

I think the question you too are fighting over is:

Are you insured if you have no tax? i.e. someone tries to claim against you and you can show they had no tax at the time. Does this mean they can't claim?

course they can claim, tax has nothing to do with insurance....taking photos of tax discs means nothing.........absolutely nothing with regard to an insurance claim.

Topper Harley

I'd agree on taking pictures of everything. When you're taking a picture of their insurance disc, just fit in their tax and NCT discs too, simples.

And also get good pictures of the two cars from a distance from every angle so you can accurately portray what happened to cause the accident (assuming you're not at fault).

And if you're going through insurance, if anyone has admitted liability, it doesn't mean anything. The insurance companies will make up their own mind.

If the other driver admits liability and is willing to rectify the damage without going through insurance, well enough, but be careful, make sure it's done properly and not on the cheap by some cowboy friend of theirs and make sure to have the pictures in case they later change their mind/story.

ahnowbrowncow

MidlandsM wrote: »

.........good jebus..............i give up on you..........you are deluded with the line
"Car's with no tax, shouldn't be on the road, irrespective of insurance" .....it has nothing to do with insurance, which is what the thread is about.......

...you don't have a clue.......

When was this thread solely about insurance??? Thread title is "minor accident procedure"

If someone's tax is out of date and are involved in an accident, what's wrong with taking a picture of the expired disc as evidence? Would the gardai not be interested in an expired tax disc?

Stheno

OP, make sure you get the other drivers details, take pictures of the cars, and report the accident to your insurance company

Details to take from the other driver are name, address, insurance company details, and licence plate number.
You can take a photo of their inasurance disc to get those details.

Then ring your insurance company asap

If one of you has admitted liability and agreed to sort it out between you, I'd tend on the cautious side even in that scenario and take the details and report it.

MidlandsM

ahnowbrowncow wrote: »

When was this thread solely about insurance??? Thread title is "minor accident procedure"

Accidents = Claims = Insurance co's :rolleyes:

Topper Harley

MidlandsM wrote: »

course they can claim, tax has nothing to do with insurance....taking photos of tax discs means nothing.........absolutely nothing with regard to an insurance claim.

You're disputing an argument that nobody made.

It would be helpful if you're on to your insurance company giving them all the details, including "yes, they are insured by X, the NCT is/is not in date and their tax is in/out of date." Can't hurt to have all the details, even if it makes no difference to the claim.

MidlandsM

Topper Harley wrote: »

You're disputing an argument that nobody made.

It would be helpful if you're on to your insurance company giving them all the details, including "yes, they are insured by X, the NCT is/is not in date and their tax is in/out of date." Can't hurt to have all the details, even if it makes no difference to the claim.

correct, it won't hurt, its a waste of time and makes no difference.........but hey,

Tallon

MidlandsM wrote: »

if you don't think its required, why do you recommend taking photos of tax disc in answer to the OP's question............

you're now squiming...........:P

I've told you why! If it doesn't go through insurance then you can go to the gardai and tell them that the chap was driving without tax and shouldn't have been on the road

Also, for unforeseen circumstances!

Why would you NOT take a photo of it, it's right beside the insurance disc. Are you gonna blank it out first?

Duiske

Tallon wrote: »

PHOTOS!!! Always take photos!

I have a dash cam, and camera in the glovebox at all times

Even a disposable one will do

Take photos of everything and everyone and of tax / insurance discs

That's what I do / have done

Have you ever worked for Bundoran Town Council ?

Topper Harley

MidlandsM wrote: »

correct, it won't hurt, its a waste of time and makes no difference.........but hey,

How is it a waste of time. Surely you don't dispute that you should take a photo of their insurance disc. The tax and NCT discs are right beside them and can fit into the one photo. Worst case scenario, pan your camera about 2.5 inches to the side, snap another photo and you're covered, wasting a whole two seconds.

And speaking of wasting time, how long has this thread been going around in circles?

Tallon

Why are you so butthurt about all of this midlands?

You seem to be fighting over something that was never brought up and trying to make it appear like I brought it up

MidlandsM

Tallon wrote: »

Why are you so butthurt about all of this midlands?

You seem to be fighting over something that was never brought up and trying to make it appear like I brought it up

I'm not hurt by any of it, but it amuses me the amountt of erronious shyte you see posted and the fools who belive and row in behind it, so I thought I'd just challenge you (to discuss like what forums are for), which you don't seem to enjoy.......:D

here, when in an accident next time, lay under the car, and take pics of exhausts too and add them to all the other rubbish unrelated pics.....:pac::pac:

M cebee

thanks for hijacking my thread:eek:

Pat Mustard

lisaj wrote: »

I agree that its best to take a photo of everything. I had a minor ding last year, I rang the local garda station as opposed to dialling 999. They asked was there anyone injured, when I said no, they said to just swap details and contact insurance.

I would suggest calling your insurance company straight away to tell them what happened regardless of there being a claim. Then if their insurance get on to yours, at least you've already told them what happened.

Agree with the above, re exchange of details and taking photos.

However, I believe that it is a good idea to contact the Gardai anyway, even if nobody is injured.

You never know when the other party might dispute important details of the accident or make a fraudulent claim.

Topper Harley

MidlandsM wrote: »

here, when in an accident next time, lay under the car, and take pics of exhausts too and add them to all the other rubbish unrelated pics.....:pac::pac:

You've just given me an idea. Next (first) time I'm in an accident (hopefully never but now that I've pointed it out it'll surely happen soon), I'm going to lie under the car and get someone else to take a picture of me. I can claim that I was trying to take a picture of their tax disc and they got angry and ran me over. :D

actuallylike

Topper Harley wrote: »

pan your camera about 2.5 inches to the side, snap another photo and you're covered, wasting a whole two seconds.

Make sure you pan out a little bit more so you get the back of the wing mirror as well

djimi

In fairness whether or not the other car is taxed will have absolutely no bearing on the outcome of the insurance, nor will it have a single bit of bearing on blame etc. You can report the other car for not having tax and the Gardai may follow up on it, but it will have absolutely nothing to do with your case.

Its also completely different than saying that a car should not be on the road for bald tires/no NCT etc. These are safety issues and the insurer may use these against the other driver as a possible factor in the accident, but thats different to a car not being taxed, which should be of no interest whatsoever to the insurance company.

Tallon

MidlandsM wrote: »

I'm not hurt by any of it, but it amuses me the amountt of erronious shyte you see posted and the fools who belive and row in behind it, so I thought I'd just challenge you (to discuss like what forums are for), which you don't seem to enjoy.......:D

here, when in an accident next time, lay under the car, and take pics of exhausts too and add them to all the other rubbish unrelated pics.....:pac::pac:

Dont Enjoy? I thrive off proving trolls wrong, hence me continuing to post in this thread!

And again, you're 'challenging me' based on something I never said! Maybe you should see a specialist or something

djimi

The Mustard wrote: »

However, I believe that it is a good idea to contact the Gardai anyway, even if nobody is injured.

You never know when the other party might dispute important details of the accident or make a fraudulent claim.

I agree with this. I have been involved in three incidents in my driving life (one minor, two bigger; no injuries in any) and have called the Gardai each time. Twice they came out and the other time they simply told me to take some pictures and get the cars off the road.

If they dont want to come down then so be it, but I would always prefer to call them and give them the choice; even if they cannot directly apportion blame or whatever its always handy to have their report on file in case of a dispute.

Tallon

M cebee wrote: »

thanks for hijacking my thread:eek:

I apologise, that was not my intention!

Please see my first response as a genuine answer to your OP

Ill refrain from posting anymore as I've detailed it enough and feel I've got my point across

ABajaninCork

M cebee wrote: »

just wondering
how do you sort out who's at fault,insurance etc. properly in the event of a minor accident?
is it true that the gards don't come out unless there's an injury?
thanks

It's not necessarily true the Gards don't come unless there's an injury. My car was side-swiped last year. Fortunately, I managed to catch the guy, and I called the Gards. They were there in double-quick time to be fair to them.

GoodisonPark

Tallon - to say that cars without a tax disc should not be on the road is factually wrong.
Many vehicles are exempt from displaying tax discs , such as Garda & Army vehicles.

MidlandsM

GoodisonPark wrote: »

Tallon - to say that cars without a tax disc should not be on the road is factually wrong.
Many vehicles are exempt from displaying tax discs , such as Garda & Army vehicles.

correct,...but Tallon is one of these interner's who will not concede they are wrong, and will keep going on with the same old bluster......:pac:

MidlandsM

djimi wrote: »

In fairness whether or not the other car is taxed will have absolutely no bearing on the outcome of the insurance, nor will it have a single bit of bearing on blame etc. You can report the other car for not having tax and the Gardai may follow up on it, but it will have absolutely nothing to do with your case.

Its also completely different than saying that a car should not be on the road for bald tires/no NCT etc. These are safety issues and the insurer may use these against the other driver as a possible factor in the accident, but thats different to a car not being taxed, which should be of no interest whatsoever to the insurance company.

100% ...... my point all along, but Tallon disagreee's ......amazingly.

Topper Harley

actuallylike wrote: »

Make sure you pan out a little bit more so you get the back of the wing mirror as well

PAN OUT??? PAN OUT??? :mad::mad: You can't pan out.

Anyways, that depends on where they keep their discs and their wing mirrors.

The conversation to the insurance company will go like this:

"And in the first picture, you can see where his tax disc should be and in the second picture you can see where is wing mirror should be. That's probably why he didn't see me and crashed into me." :pac: