Crash Advice..

paddydriver

Hello All,

Hoped I would never have to be posting on this topic, but here goes!

Wife was rear ended this morning whilst stopped indicating to turn right. Was stopped a good few seconds and learner, possibly child minder non owner of car, rear ended her. 10 mins earlier she would have had our 3 kids in the car.. Thankfully they were all dropped to school.

She called me in a tears and shock so told her to get clear photos of all discs, reg plate, model etc. Also get mobile phone number and call it there and then to confirm it is legit. She got all this and we have all details. There was no denial's on the other girl's side - just said she didn't see my wife! Phone, SMS, Internet comes to mind but that's neither here nor there.

She has come home to me and there is impact damage to rear bumper but nothing major. The big concern now is that we already spend €1000's every year nursing injuries she has from another rear ending 14 years ago... Yes, still spending!

I am now worried how we can try handle this. She is actually due in hospital this Thurs for more work on her neck, all hangover from previous accident, so I ain't joking here..:o

We are both going down to the Guard's in short while to report it. I am a 100% honest person and me personally never had an accident or claimed from anyone etc, but I am seriously worried now this is going to cause her serious grief and problems.

Can anyone please give a few simple steps on what we should do here? Do I even report it to my insurer or just deal with Guard's and her Insurance? Do I call her or let Insurance do it.. Should she get medically examined now or wait a day or two? - She knows her neck and back better than I know the keyboard on my laptop; and she is here creased in pain.

Please someone out there help with any advice?

Thanks, Paddy

Kenny Logins

This is what you pay your insurance company to deal with.

tossy

Sorry to hear about that paddy, but what relevance does the other parties nationality have to the crash?

SnakePlissken

tossy wrote: »

Sorry to hear about that paddy, but what relevance does the other parties nationality have to the crash?

It's highly relevant, the other driver could have been eating a swan at the time of the crash.

paddydriver

Kenny Logins wrote: »

This is what you pay your insurance company to deal with.

Thanks Kenny.. my concern is that by involving our insurer they will put it down as a claim on our side and it will affect our NCB next renewal; or flag us as a higher risk driver.

tossy

SnakePlissken wrote: »

It's highly relevant, the other driver could have been eating a swan at the time of the crash.

I'm sure im missing a joke here So many crash stories start with the sex and nationality or lack of Irish nationality of the offending driver, it has no bearing on the crash it doesn't make it any more or less unfortunate, and it doesn't add to the poor innocent injured Irish parties misfortune in anyway.

Sorry for the rant but it's a just a little bug bear of mine.

Paddy i've rear ended and been on the other side too. My advice is inform the Guards straight away preferably at the road side at the time of the accident (too late here i know). Also inform your insurance company even if the other party has offered to pay up and not go through insurance. This way you have already have it logged with the cops and insurance company should any complications arise.

Kenny Logins

paddydriver wrote: »

Thanks Kenny.. my concern is that by involving our insurer they will put it down as a claim on our side and it will affect our NCB next renewal; or flag us as a higher risk driver.

You need to inform them regardless...

MugMugs

paddydriver wrote: »

Thanks Kenny.. my concern is that by involving our insurer they will put it down as a claim on our side and it will affect our NCB next renewal; or flag us as a higher risk driver.

They will note it however it will not impact you.

You're obliged to inform your insurer of any incidents that may arise.

Call your insurer.

With respect to Liability, also call her Insurer just in case she hasn't and you want the process sped up.

In relation to any injuries that your wife may have incurred as a result of this incident - We are forbidden to give specific legal advice however this is general advice.

Go to the doctor, get an assessment. You can apply to the Injuries Board should there be any injury as a result of this matter and they will quantify your wifes injuries.

You should note however that she will most likely receive a reduced settlement if it is shown that this has merely aggrevated a previous condition.

Steps for you.

1. Call your insurer
   
2. Call her insurer
   
3. Go to a doctor
   
4. Employ a Solicitor if you don't feel confident dealing with any injury claim yourself.

I'd also suggest you read this thread.

paddydriver

tossy wrote: »

I'm sure im missing a joke here So many crash stories start with the sex and nationality or lack of Irish nationality of the offending driver,

Edited - sex doesn't matter either; but the word "wife" is a bit of a giveaway.

VeVeX

tossy wrote: »

Paddy i've rear ended and been on the other side too.

:eek:

Surely this is not the place for those sort of comments?