Fender bender but no tax - what next?

007JB

Hi Guys,

I had a little situation on petrol station today. Lady driver hit my car when I was tanking it. The doors are buckled.

She admitted it is her fault and we exchange the details but my tax is overdue.

Should I be worried? Can it be a reason for her insurance company not to pay me? Can somebody advice me on this matter? What will happen if I will go to report the accident to Garda station?

I need advice badly.

Thanks,
James

DylanII

Completely irrelevant to the insurance claim.

There shouldn't be any issues, but I suppose the Garda could fine you, but they won't

007JB

Thanks Dylan for fast replay. That sounds good, but if anybody have something to add would be great.

Thanks,
James

JimmyCrackCorn

You should be ok. I had a car stolen with no tax for two weeks and was paid out.

Something to add....

Don't do it again
Don't pay insurance by direct debit.


Best of luck and I hope it all gets sorted quickly.

Stheno

You should be fine.

Make sure you inform your insurance asap

bobin fudge

sorry to but in, why not pay insurance by DD?

thanks

Stheno

bobin fudge wrote: »

sorry to but in, why not pay insurance by DD?

thanks

In case you screw up and there are not enough funds in your account and it gets cancelled?

bobin fudge

yeah I suppose

thanks

JimmyCrackCorn

Why not pay insurance by direct debit.


They reduce your payout based on how much (percentage wise) of your policy you have paid.
At least in the case of Quill Direct.

I learned that one the hard way.

CiniO

JimmyCrackCorn wrote: »

Why not pay insurance by direct debit.


They reduce your payout based on how much (percentage wise) of your policy you have paid.
At least in the case of Quill Direct.

I learned that one the hard way.

You must not be real

coylemj

JimmyCrackCorn wrote: »

Why not pay insurance by direct debit.


They reduce your payout based on how much (percentage wise) of your policy you have paid.
At least in the case of Quill Direct.

I learned that one the hard way.

Complete rubbish. You are either insured or you're not, you can't be half insured. If you only pay half the premium, they will cancel the policy after six months but on any given day you are either insured or you are not.

OP, car tax has nothing to do with insurance and if you report an accident after the event, the Gardai will probably ask you to produce licence and insurance (so bring them with you if you do decide to report it) but they will not ask about the tax disc.

JimmyCrackCorn

Sorry Im incorrect. But I haven't slept properly in two weeks so let me off on this one... (14 hour days cause mistakes )

Settlement cheque you received would be less your policy excess and your outstanding premium amount if applicable I am out of the office at present but I will review the file and revert to you with breakdown of costs later today

CiniO

JimmyCrackCorn wrote: »

Sorry Im incorrect. But I haven't slept properly in two weeks so let me off on this one... (14 hour days cause mistakes )

That's understandable.
I think most - if not all - policies have a clause stating that in case of a claim all premium which was not paid yet becomes due straight away.

bobin fudge

off topic, but it looks daft how people now "revert" on emails instead of reply :rolleyes: