Carpark tip-Insurance policy canceled

jeffk

I had a tip in a car park yesterday, I was parked and she was driving into the space to the side of me, I had the girlfriend in the car with me so she seen it.When I got out to talk to the girl, I was told she did not do it, I told her im ringing the guards and she said she didn’t care she was going in to get baby food.

I have reported it to the guards and rang her insurance company and gave them the policy number and reg plate and was told it was cancelled. I now have to wait for the guard to come back on duty and am looking at paying €20 for a letter to prove I am insured as I shredded the one that came with the disc.

I have pictures of the cars, her reg plate and insurance disc and am waiting on someone to call about a CCTV camera in the area.

What is the likely outcome of this? As I said I have to pay €20 for the letter/disc and then the scratch on the car (small, but out of principal want it fixed).

Thanks for any information

wmpdd3

are you paying for your insurance monthly; if you miss a month they can cancel your insurance.

wishwashwoo

This happened to me a few years back
Same thing no insurance i would let it go as this person if willing to drive with no insurance is most likely a bad bad person if you know what i mean??? and they could make life really **** for you if you pursue them true the legal system you just dont know in the long run

Walk away

Kopparberg Strawberry and Lime

wmpdd3 wrote: »

are you paying for your insurance monthly; if you miss a month they can cancel your insurance.

I think he means the person that hit him was uninsured and hes curious what to do.


but I thought they take the disc back then its canceled ?


I.e the insurance company still take payments and go as normal until the disc is sent back into the company.

so im wondering because its there are the company still obliged to cover the car ?

Anan1

jeffk wrote: »

and am looking at paying €20 for a letter to prove I am insured as I shredded the one that came with the disc.

You didn't shred your insurance cert, did you? If you did then never do that again - it's the only proof you have that you're insured, and needs to be kept in a safe place. If not, then you just need to show it to the Gardaí.

Re the damage to your car, honestly, I wouldn't be too hopeful. I'd make sure the guard prosecuted her anyway, and you can give the MIBI a call for advice:
http://www.mibi.ie/.

jeffk

Sorry for confusion, her policy was cancelled, but the disc in the window was 02-14, also she has no nct or tax discs

jeffk

wishwashwoo wrote: »

This happened to me a few years back
Same thing no insurance i would let it go as this person if willing to drive with no insurance is most likely a bad bad person if you know what i mean??? and they could make life really **** for you if you pursue them true the legal system you just dont know in the long run

Walk away

Thanks for advice, ill go far as I can, but wont go to the point of having to see them again etc
Id rather not pay €20 and have a scratch on my car,but well see.

jeffk

Anan1 wrote: »

You didn't shred your insurance cert, did you? If you did then never do that again - it's the only proof you have that you're insured, and needs to be kept in a safe place. If not, then you just need to show it to the Gardaí.

Re the damage to your car, honestly, I wouldn't be too hopeful. I'd make sure the guard prosecuted her anyway, and you can give the MIBI a call for advice:
http://www.mibi.ie/.

Not the cert,but the letters it came with,tried everything and 123 said they have to charge €20 and can only reissue a cert,nothing else.

jimgoose

jeffk wrote: »

...looking at paying €20 for a letter to prove I am insured as I shredded the one that came with the disc...

Are you referring to the certificate? You are legally obliged to produce that when requested by a Garda.

wishwashwoo wrote: »

This happened to me a few years back
Same thing no insurance i would let it go as this person if willing to drive with no insurance is most likely a bad bad person if you know what i mean??? and they could make life really **** for you if you pursue them true the legal system you just dont know in the long run

Walk away

So the pig-ignorant, brainless bully-boy/girl wins by default?? Not on your furkin' life. OP, have the stupid bitch put off the road.

Tails142

Yeah people are paying their insurance monthly but once they get the disc they cancel the policy.

Insurance companies are making people pay larger deposits when paying monthly to combat this.

If I was you I would forget about it, you will have to claim from the uninsured drivers scheme and if its just a small scratch it may not be worth all the ball ache that is involved. Up to you though.

dar83

jeffk wrote: »

Not the cert,but the letters it came with,tried everything and 123 said they have to charge €20 and can only reissue a cert,nothing else.

The Cert is the page the 'disc' is attached to. You need to keep that as it is the only proof that you are the named policy holder... One to remember for the future.

Anan1

jeffk wrote: »

Not the cert,but the letters it came with,tried everything and 123 said they have to charge €20 and can only reissue a cert,nothing else.

If you have the cert then that's all you need. I'd ring the MIBI straight away and keep the pressure on the guard - you may not get satisfaction in the end but that's no reason not to give it your best shot.

galwaytt

...forget the scratch, but I'd be on to the Garda to make sure they pursue her for driving with no insurance.

Duiske

Kopparberg Strawberry and Lime wrote: »

I think he means the person that hit him was uninsured and hes curious what to do.


but I thought they take the disc back then its canceled ?

I.e still taking paymebts for insurance etc .

Its a common scam. Person starts a policy, says they will pay monthly installments and pays first month. Insurance company sends out policy and disk and then never hears from policy holder again. The company will ask for the disk to be returned, but that ain't gonna happen.

Kopparberg Strawberry and Lime

Duiske wrote: »

Its a common scam. Person starts a policy, says they will pay monthly installments and pays first month. Insurance company sends out policy and disk and then never hears from policy holder again. The company will ask for the disk to be returned, but that ain't gonna happen.

oh I do understand that completely but I thought they were doing away with that and wouldn't cancel a policy until the disc was returned and continue to try take payments from them since they would have to provide details etc.

for some reason I thought it was once the cert and disc were not sent back that the company were still obliged to cover the vehicle ?

now I cant remember where I heard that so could very well be wrong

H3llR4iser

Kopparberg Strawberry and Lime wrote: »

oh I do understand that completely but I thought they were doing away with that and wouldn't cancel a policy until the disc was returned and continue to try take payments from them since they would have to provide details etc.

for some reason I thought it was once the cert and disc were not sent back that the company were still obliged to cover the vehicle ?

now I cant remember where I heard that so could very well be wrong

And keep covering a policy that is not paid for? Avoiding the payment, even with the direct debit requirement, is kind of easy - all it takes is to give the insurance the details of a purpose-opened account with no overdraft with enough on it to cover the first month, or even just go to the bank and cancel the direct debit. The disc means next to nothing, really.

120_Minutes

this is no longer about the "tip" this is now justiceporn against a bint who thinks shes is above taxing, insuring, or nct'ing her car, or taking blame for hitting your car in front of witnesses.

she sounds like some piece of work, nail her to the wall OP. I would.

jeffk

Thanks for all the replies and information.

I have learned my lesson on the letter/disc cost, that’s a hit I will have to take.
Have put in a claim in with RSA/123
Have put in a claim with MIBI

Have to go back to the guard I reported to tonight, she’s on duty at 21:00
So am waiting on MIBI to go through with it, then when I get a yay or nay ill see about the vehicle damage, will continue as far as I can with the guards and will update as I receive information

Thanks again!

NobodyImportant

Make sure that bag of cats gets whats coming to her. What if she really plowed your car out of it or hit a pedestrian? She needs a good long trip off the roads.

Kopparberg Strawberry and Lime

NobodyImportant wrote: »

Make sure that bag of cats gets whats coming to her. What if she really plowed your car out of it or hit a pedestrian? She needs a good long trip off the roads.

she's already diving without nct and insurance. I dont think a driving ban would bother her at all

jail is the way

alias no.9

Kopparberg Strawberry and Lime wrote: »

she's already diving without nct and insurance. I dont think a driving ban would bother her at all

jail is the way

wait for the shrill cries about the baby if that happens, no doubt she's had no problem driving the baby around in an uninsured car

Victor Meldrew

jeffk wrote: »

Thanks for all the replies and information.

I have learned my lesson on the letter/disc cost, that’s a hit I will have to take.
Have put in a claim in with RSA/123
Have put in a claim with MIBI

Have to go back to the guard I reported to tonight, she’s on duty at 21:00
So am waiting on MIBI to go through with it, then when I get a yay or nay ill see about the vehicle damage, will continue as far as I can with the guards and will update as I receive information

Thanks again!

A Creamer crashed into the back of me years ago, Despite a lot of threatening guff from him, thuggery from his mate (who was just getting used to the great out-doors again...) and contempt from the Gardai (happened in Tallaght), I had comprehensive insurance and just ploughed ahead with the claim through my insurance.

As it was clearly not my fault and as the Scobie had no insurance, it did not affect my NCB.

I did have to pay the excess though...

never found out what happened to the uninsured driver...

jimgoose

Victor Meldrew wrote: »

A Creamer crashed into the back of me years ago, Despite a lot of threatening guff from him, thuggery from his mate (who was just getting used to the great out-doors again...) and contempt from the Gardai (happened in Tallaght), I had comprehensive insurance and just ploughed ahead with the claim through my insurance.

As it was clearly not my fault and as the Scobie had no insurance, it did not affect my NCB.

I did have to pay the excess though...

never found out what happened to the uninsured driver...

Probably had to report for more porridge. They're like fish out of water when that sort of thing happens, despite all the tattoos and grunting.

deegs

jeffk wrote: »

What is the likely outcome of this?

Wish I could tell you.... exact same thing happened to my wife in the car park where she works. She had cctv footage, gaurd called out to op's house etc.

Again, she just cancelled her insurance the following day. and took out a new policy. She also had no nct or tax

We are in limbo, my wife paid for her repairs and are waiting money back...

Also my wife could not change her policy while the case was ongoing and missed out on lots of good deals through my company plan (she is with a local broker).

The ball breaker is that this happened over 4 years ago...

Forget about it, is the wrong thing to advise, but it will save you grief in the long run.

jeffk

deegs wrote: »

Wish I could tell you.... exact same thing happened to my wife in the car park where she works. She had cctv footage, gaurd called out to op's house etc.

Again, she just cancelled her insurance the following day. and took out a new policy. She also had no nct or tax

We are in limbo, my wife paid for her repairs and are waiting money back...

Also my wife could not change her policy while the case was ongoing and missed out on lots of good deals through my company plan (she is with a local broker).

The ball breaker is that this happened over 4 years ago...

Forget about it, is the wrong thing to advise, but it will save you grief in the long run.

Thanks for explaining a similar situation,hopefully the MIBI being involved helps me.

Fingers crossed you get some resolution soon!!

colm_mcm

You'd wanna make sure the claim doesn't come against you if its an uninsured driver.

jeffk

colm_mcm wrote: »

You'd wanna make sure the claim doesn't come against you if its an uninsured driver.

I have a claim in with RSA/123 but they said they wont do anything till I said so and two or three times I said I didn't wanna lose my no claims bonus.

Henry Ford III

I suffered a hit and run from an uninsured deriver.

Fixed car with my comp. policy, and recovered every cent from MIBI. Took 12 weeks.

jeffk

I rang the guard i was dealing with , told her about the insurance and mibi etc

told not to contact them or my insurance and just because the disc on the car was up , doesn't mean the driver was not insured . If she was insured then why get someone else to pick up the car .
So ill sit back , get my second cert and prove i have insurance and see what happens .

coylemj

alias no.9 wrote: »

wait for the shrill cries about the baby if that happens, no doubt she's had no problem driving the baby around in an uninsured car

No worries on that front, the system will look after the baby. There was a case about two years ago where the mother was p1ssed as a newt, crashed the car with a baby on board and the baby was seriously injured so the child sued the mother, got a bucket load of cash and the MIBI wrote the cheque.

Wheres My ForkandKnife

jeffk wrote: »

I rang the guard i was dealing with , told her about the insurance and mibi etc

told not to contact them or my insurance and just because the disc on the car was up , doesn't mean the driver was not insured . If she was insured then why get someone else to pick up the car .
So ill sit back , get my second cert and prove i have insurance and see what happens .

Can't understand why you were told not to contact your own insurance.Its one of the first things I would do.The guard has to give her 10 days to produce proof of insurance just as they have given you 10 days to produce. I think we all know how that will work out although I hope I'm wrong.

I wouldn't contact the other person.It's in the hands of the guards and the insurance company now so let them do what they get paid for but I wouldn't let it go.

Best of luck.

jeffk

Wheres My ForkandKnife wrote: »

Can't understand why you were told not to contact your own insurance.Its one of the first things I would do.The guard has to give her 10 days to produce proof of insurance just as they have given you 10 days to produce. I think we all know how that will work out although I hope I'm wrong.

I wouldn't contact the other person.It's in the hands of the guards and the insurance company now so let them do what they get paid for but I wouldn't let it go.

Best of luck.

I know , when i mentioned my insurance or MIBI it was like i done something wrong contacting them .

It feels like im the bad guy , I get ten days to prove i have insurance . I told the guard the disc on the car was cancelled and I get a list of reasons why that might be ok . Then sure she will be in touch next week or the week after .

I have no name or contact details for the other driver , only for quick thinkin i took pictures and wrote down her policy number . Ill leave it to the MIBI and the guards now .

Anan1

jeffk wrote: »

I know , when i mentioned my insurance or MIBI it was like i done something wrong contacting them .

It feels like im the bad guy , I get ten days to prove i have insurance . I told the guard the disc on the car was cancelled and I get a list of reasons why that might be ok . Then sure she will be in touch next week or the week after .

I have no name or contact details for the other driver , only for quick thinkin i took pictures and wrote down her policy number . Ill leave it to the MIBI and the guards now .

Don't take it personally, they have to check everything. Just be polite, do everything that's asked of you and don't go away. Good luck, and keep us posted.

michael999999

jeffk wrote: »

I know , when i mentioned my insurance or MIBI it was like i done something wrong contacting them .

It feels like im the bad guy , I get ten days to prove i have insurance . I told the guard the disc on the car was cancelled and I get a list of reasons why that might be ok . Then sure she will be in touch next week or the week after .

I have no name or contact details for the other driver , only for quick thinkin i took pictures and wrote down her policy number . Ill leave it to the MIBI and the guards now .

If that car is been driven with no insurance, its probably not even registered to her. You may have troublefinding her again.

jeffk

An update

Bouncing emails back and forth with MIBI to keep the case open and now how found out I have €300 of an excess on my insurance(123/rsa didn’t tell me that) before I need to go near MIBI.

Insurance company are waiting on a letter or something from the Guards before they will let me get my work done. I have the name etc of a place to get a quote from for the work, but I am also waiting on the guards.

The guards don’t seem to care, I was given ten days to prove I had insurance, six weeks tomorrow and nothing about the drive with no valid insurance/tax/nct disc that hit my car.

I HAVE to deal with the guard that opened the incident report, the last I heard from her was don’t do anything ill be in touch next week or the week after, four weeks after that two weeks and nothing.
Rang Thursday, told shes in at 7-5, go in at 9 and get a snotty reply that shes now in at 12-10.

If or likely when nothing happens with the guards today im going to look into the legal route. Sick of it all now, six weeks of bouncing between MIBI,123 and the guards, I feel like why bother for a scratch, but then remember how high my insurance was when I started driving(€3800 for a €2200 car)and its because of people like her.

Henry Ford III

jeffk wrote: »

An update

Bouncing emails back and forth with MIBI to keep the case open and now how found out I have €300 of an excess on my insurance(123/rsa didn’t tell me that) before I need to go near MIBI.

Insurance company are waiting on a letter or something from the Guards before they will let me get my work done. I have the name etc of a place to get a quote from for the work, but I am also waiting on the guards.

The guards don’t seem to care, I was given ten days to prove I had insurance, six weeks tomorrow and nothing about the drive with no valid insurance/tax/nct disc that hit my car.

I HAVE to deal with the guard that opened the incident report, the last I heard from her was don’t do anything ill be in touch next week or the week after, four weeks after that two weeks and nothing.
Rang Thursday, told shes in at 7-5, go in at 9 and get a snotty reply that shes now in at 12-10.

If or likely when nothing happens with the guards today im going to look into the legal route. Sick of it all now, six weeks of bouncing between MIBI,123 and the guards, I feel like why bother for a scratch, but then remember how high my insurance was when I started driving(€3800 for a €2200 car)and its because of people like her.

If MIBI are paying the claim why is there any excess?

djimi

Henry Ford III wrote: »

If MIBI are paying the claim why is there any excess?

Dont you claim from your own insurance (with excess) then MIBI reimburse the money? Thats how I always thought that it worked anyway.

Rainblow

jeffk wrote: »

I had a tip in a car park yesterday, I was parked and she was driving into the space to the side of me, I had the girlfriend in the car with me so she seen it.When I got out to talk to the girl, I was told she did not do it, I told her im ringing the guards and she said she didn’t care she was going in to get baby food.

I have reported it to the guards and rang her insurance company and gave them the policy number and reg plate and was told it was cancelled. I now have to wait for the guard to come back on duty and am looking at paying €20 for a letter to prove I am insured as I shredded the one that came with the disc.

I have pictures of the cars, her reg plate and insurance disc and am waiting on someone to call about a CCTV camera in the area.

What is the likely outcome of this? As I said I have to pay €20 for the letter/disc and then the scratch on the car (small, but out of principal want it fixed).

Thanks for any information

You should complain to the MIBI.

jeffk

I have been told I have €300 from the insurance without effecting my no claims, after that MIBI will cover a certain amount.

Both of them want something from the guards to say the car or driver wasn’t insured before I can get any work carried out.

zl1whqvjs75cdy

Did she come back and drive away in an uninsured untaxed car? With the guard there?

jeffk

Musa Worried Cabinetmaker wrote: »

Did she come back and drive away in an uninsured untaxed car? With the guard there?

The car that hit me had a cancelled insurance disc and no nct or tax cert, the girl that drove it went into the shops, another girl came from a housing estate beside the shops and drove it off.

Guards never bothered coming up, waited over an hour an rang em three times , third time i was asked could i come down to the station as its likely we cant get a car up to you.

jeffk

Got through to guards, the address the car is registered she isn’t there, they have another address from the HSE but they still haven’t gotten a hold of her.

Found out I have to pay the first €300 of the damage and if/when its proven she is uninsured etc the MIBI then can get that cost back.

So basically six weeks later, wont bother paying for the damage myself, forget about it and if the guards ever ring so be it :mad:

eringobragh

jeffk wrote: »

Got through to guards, the address the car is registered she isn’t there, they have another address from the HSE but they still haven’t gotten a hold of her.

Found out I have to pay the first €300 of the damage and if/when its proven she is uninsured etc the MIBI then can get that cost back.

So basically six weeks later, wont bother paying for the damage myself, forget about it and if the guards ever ring so be it :mad:

stick at it - scum like her shouldn't be allowed get away with it.

dharn

You will only wreck your head persuing it, she is a scumbag, on the social , getting income suppliment from hse, probably has a few sprogs which we are supporting as well ,best you could hope for is that the car is seized by the guard's but im afraid if they cant manage a letter to prove you were hit by an uninsured driver , then thats unlikely to happen

dharn

BTY all policies have an excess, so op should have known about the 300 not covered

jeffk

I would love to keep it going, but after six weeks look at all the guards have done its well out of my hands now. I have pictures of damage, reg plate and insurance disc and the insurance company said its cancelled and the MIBI said it sounds like she’s uninsured, but the guards wont say it and they are the ones that matter.

I have no clue on what excess is and never have, in nine years I used my insurance a handful of times, breakdown recovery and windscreen repair(back door window), this information wasn’t clear till someone mentioned it and I always had the don’t claim off your insurance and lose your no claims mentality.

Rainblow

jeffk wrote: »

I would love to keep it going, but after six weeks look at all the guards have done its well out of my hands now. I have pictures of damage, reg plate and insurance disc and the insurance company said its cancelled and the MIBI said it sounds like she’s uninsured, but the guards wont say it and they are the ones that matter.

I have no clue on what excess is and never have, in nine years I used my insurance a handful of times, breakdown recovery and windscreen repair(back door window), this information wasn’t clear till someone mentioned it and I always had the don’t claim off your insurance and lose your no claims mentality.

You should make a claim. The MiBI is obliged to pay out for untraced or uninsured drivers. You have the reg so she is untraced.

jeffk

Rainblow wrote: »

You should make a claim. The MiBI is obliged to pay out for untraced or uninsured drivers. You have the reg so she is untraced.

But do I not have to have a letter from the Guards?

Rainblow

jeffk wrote: »

But do I not have to have a letter from the Guards?

All the guards have to say is that the driver is untraced. They haven't found her to make a demand for insurance so that is all they have to say.

jeffk

Rainblow wrote: »

All the guards have to say is that the driver is untraced. They haven't found her to make a demand for insurance so that is all they have to say.

So I can get back onto the MIBI say I want my car fixed and they'll pay for it?

Rainblow

jeffk wrote: »

So I can get back onto the MIBI say I want my car fixed and they'll pay for it?

That is what they are there for. Look up the European Directives on Motor Insurance. dept of Transport website.