Question about insurance and an accident

dingus12

I was involved in an accident back in February. It was my fault and I admitted liability on the scene, I was driving my parents car and I am a named driver on my fathers insurance policy. The person I crashed into has made a claim against my fathers insurance policy, fair enough, We made a claim aswel to fix our own car which is settled, However it is still not settled between my fathers insurance company and the person I crashed into.


I now want to get my own policy on my own car, Do I need to inform an insurance company that there is a claim against my fathers policy that I was involved in?

Basically I ask because I've heard there is no chance of getting insured when there is an outstanding claim against me. However is the claim against me or my father as it's his insurance policy.

It doesn't help that I'm 21, have 3 years named drivers experience but no no claims bonus.

It may take years for the other person I crashed into to settle with my fathers insurance company, In the mean time what do I do if No company will take me on on my own.

keithclancy

If anyone is reading this, just to note that you should never admit liability at the scene even if you think you were at fault.

Let the Insurance companies sort it out.

Actually I think it was written in massive letters on the back of my Quinn Direct Tax and Insurance disc holder.

Anan1

You could try asking for a quote from your father's insurance company - at least they know exactly what's going on.

djimi

keithclancy wrote: »

If anyone is reading this, just to note that you should never admit liability at the scene even if you think you were at fault.

Let the Insurance companies sort it out.

Actually I think it was written in massive letters on the back of my Quinn Direct Tax and Insurance disc holder.

I dont think it makes a blind bit of difference either way; if it came to it all you would need to say is that you were traumatised by the incident and didnt know what you were saying.

ardle1

keithclancy wrote: »

If anyone is reading this, just to note that you should never admit liability at the scene even if you think you were at fault.

Let the Insurance companies sort it out.

Actually I think it was written in massive letters on the back of my Quinn Direct Tax and Insurance disc holder.

djimi wrote: »

I dont think it makes a blind bit of difference either way; if it came to it all you would need to say is that you were traumatised by the incident and didnt know what you were saying.

I'm sure it would make a blind bit off difference, that's the first thing the 'victim' would relay to Gardaí at the scene, and it will instantly go down in writing. And when you are asked by that Guard 'did you admit responsibility' ... well your response will immediately go down in writing.. So take control off your emotions and do not admit liability.. as stated leave it to the Gardaí and Insurance companys..

dingus12

I drove into the back of a car that stopped in front of me. Long story short I was distracted by another hazard at the side of the road. I was clearly at fault so I had no problem owning up for my mistake. However now I want to just move in and get on with my own driving career. It seems even 10 months later this is still biting me in the ass. Anyone know the answer to my question?