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Have a question on Insurance

  • 23-01-2014 7:46pm
    #1
    byhookorbycrook
    Moderators, Education Moderators, Regional South East Moderators Posts: 12,514 Mod ✭✭✭✭


    Read the FAQs but need some clarification. I was hit by a van and my car is damaged. I informed my insurance company and now, two weeks later, I have been told it is up to me to contact the other guy's insurance and claim through that. Is this not the job of my insurance company?


Comments

  • #2
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    If you have Comp and claim off your own insurance, they will contact the other party and do all the work to recoup their costs, which is to your benefit.

    If you want to solely claim directly off the other party, they have no involvement in that. If you have a good broker they may take on this work for you, but not necessarily


  • #3
    byhookorbycrook
    Moderators, Education Moderators, Regional South East Moderators Posts: 12,514 Mod ✭✭✭✭byhookorbycrook


    Thank you, broker a bit all over the place!!


  • #4
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    Brokers have no involvement in how a claim proceeds, that is down to insurers only. What they can do is keep on top of insurers to see that things are moving along as they should


  • #5
    sawdoubters
    Banned (with Prison Access) Posts: 1,288 ✭✭✭sawdoubters


    it looks like your insurance thinks your in the wrong,do you have photos of the damage,what insurance have they got

    http://www.consumerhelp.ie/making-a-claim


  • #6
    byhookorbycrook
    Moderators, Education Moderators, Regional South East Moderators Posts: 12,514 Mod ✭✭✭✭byhookorbycrook


    sawdoubters wrote: »
    it looks like your insurance thinks your in the wrong,do you have photos of the damage,what insurance have they got

    http://www.consumerhelp.ie/making-a-claim
    Thanks for that.
    I have been given three sets of seperate advice by the broker and I cannot contact the company directly. I was variously told 1) fill in the form and send it back 2) talk to the insurer of the other driver and make his insurance pay and 3) Most incredibly, don't send in the form or it will be claimed off you own insurance! I made company aware of the accident but have not yet submitted the form due to all of the confusion.

    It's unlikely that insurance company consider I am at fault, as they haven't been given the full claim form. Pretty sure I am not at fault, yer man was on the phone and oulled straight across me without indicating he was suddenly turning left.

    I'm presuming my best course of action is to submit the claim form anyhow?


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