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Third party advice please.

  • 03-11-2014 07:14PM
    #1
    moonshadow
    Registered Users, Registered Users 2 Posts: 1,217 ✭✭✭


    First off I'm not looking for legal advice.

    My mother in law had a very small bump with another vehicle on Saturday last.
    She was afraid to tell anyone until I got the distressed call today...names were swapped on the the day at the incident, very very little damage to her vehicle and she thought that was the same with the other , no guards involved (foolishly) but hey Ho, €2500 to the other vehicle.
    I advised to contact the relevant insurers , limit contact with the other party until advised by her insurers is that the correct procedure?
    Many thanks.
    Moonshadow.


Comments

  • #2
    Crunchienut
    Registered Users, Registered Users 2 Posts: 1,292 ✭✭✭Crunchienut


    She should notify her own insurer and advise the other party to deal directly with them. There is no need for her to contact the other party's insurance company.


  • #3
    coylemj
    Registered Users, Registered Users 2 Posts: 25,722 ✭✭✭✭coylemj


    She wasn't necessarily foolish to not call the Gardai, they normally won't attend an accident if there's no personal injury.

    You don't say if your MIL was at fault or the other guy, I'm guessing she was at fault when you mention the €2,500 damage to the other car. Either way, she needs to give all of the information to her insurance company.

    Even if she admitted it was her fault at the scene, make sure that she does not repeat that to the other guy. She can always claim that she was in shock and that's why she admitted liability. Always best to deny it afterwards if the other guy is trying to inflate the damage to his car, two can play at that game!


  • #4
    MarkAnthony
    Closed Accounts Posts: 6,934 ✭✭✭MarkAnthony


    I came a cropper with a white van man early last week. Wee bit of damage to the bonnet one of the panles needed a complete replacement and the bumper needs painting. I went to the garage the insurance company for the other side suggested (he was at fault) and they reckon at least €1500-2K worth of damage has been done. That's not to mention the week I'm without a car and in a hire car. €2500 is not beyond the realms possibility even for a minor fender bender. The issue apparently is paintwork - it all needs to be blended at ridiculous cost.

    If you're at fault don't admit it at the scene, but if you are at fault don't lie, let the insurance company take an honest statement and sort it out from there. We all have accidents, treat the other party as you'd like to be treated in an accident that wasn't your fault.


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