Car insurance dispute

was.deevey

I'd be more concerned about the Tax on multiple cars.

homingbird

My sister lives in Prague over their the car is insured & anyone with a full licence can drive it 18 to 80 years old no loading on driver as its the car thats insured. Its the other way around here the insurer is insuring the driver. eg. my brother inlaw has a 911 as a weekend car & when his daughter reaches 18 years old she can drive it no penalty for lack of experience once she has full licence . Also no road tax over their you just pay toll if you use the motorway.

homingbird

A broker should be able to get you a multi car policy from the uk a i was once covered with a company that wasnt irish through a broker.

derry

Yep your completely right to be mad with the Irish extortion car Insurance system .I lived and worked in many Eu and some African countries and never got the grief that I got here with petty rules extortion rate insurance and often had several cars insured at same time

From my memory some decades ago there was a a case in Ireland where a guy owned two cars both the same type with similar engines . He insured one of them and not the other .He had a accident in the other not insured car . The car insurance tried to get out of the claim .The judge if I recall said no way if the guy was insured for the same type of vehicle that insurance automatically went to the other car in accident .However if the other car he had owned had been larger engine lets say double the size engine and the insurance would have doubled then the insurance company would only have to still supply half the claim . If the car was the same size type or less then it was insured even though there was no contract for the other car .Its some sort of legal jargon of implied contract stuff . So just cause the insurance company says your not insured doesn't always mean that is true.
Everything in the Legal system works on precedents so you have took up precedent previous similar cases and the ruling .That ruling might have also been over ruled in later cases since them so you need to verfy if that is the same story today

However that wont work with the local garda on the beat or at illegal road stops .They are the law they think so you gonna get it in the neck trying that stunt with them .They gonna haul you before the judge and he is gonna slap you with driving without insurance even though technically your insured .The law is an ass in this case there is no claim to pay out so they go by the letter of the law rather than the spirt .Its sort of like the football game where they control the size of the goal posts you have which are big and their goal post is net ball sized and moves .The legal system are real crowd of evil serpents from hell .its simple they make lots of money fining the chattlel the joe soaps with tiny infraction rules they invent as they go along .

You could go to court get doe take it higher up the system eventually get to European court of human rights which would probably agree with you and tell the Irish court system to revert to normal European solutions the car is insured rather than the driver .Apart from that would take years decades even cost a lot of time money and effort there is the hurdle to get over you need to have good legal reasons to appeal a local district courts or even the high courts ruling to get anywhere near a supreme court and i cant see any reasons to appeal .

Alternatively you could go into court and say I must have made an honest mistake . Then they got the problem to verify di you make an honest mistake .it worked for the former minister of defense in his court case they threw the case out because they could not establish he was lying or that he made honest mistake


Alternatively if you can get in writing from your present insurance company they would not insure the second car then your probably in good way to get off either lightly or completely with the judge who can see you genuinely tried and the fault lies with insurance company .The insurance companies have special license to insure cars in Ireland .If they dont or refuse to insure you then they break the special contract they have with the state and this leaves it open that the person reverts to driving using the state as the primary insurance agent .How ever for that to work properly requires that every insurance company in Ireland refuses to insure you in writing and the insurance ombudsman has not been able to obtain you insurance at some logical amount .Example if only one insurance company in Ireland would insure you for €1,000,000 euros the contract would be absurd and effectively would mean that it was not in the spirt of the states contract with insurance companies .If only one company came back and said they required €5000 to insure you then their would have to be serious good reasons like your history of crashes was bad or your disability like no legs and no arms would make you a bad driver

dealing with the Insurance Ombudsman is like getting your teeth puled out without anesthetic Best to think of ombusman as the Mafia Don and your going there to complain the local mafia hoods broke your legs caused you owed the mafia the money.
Thats is what the Ombudsman is .
The Insurance Ombudsman gets paid by the insurance industry to block you in your problems with them .His job is to lead you a merry dance and waste your time and tire you out sort of like the bull fighter does with the bull .There are ways to by pass this Mafi Don buts it tricky and not enough space here to explain it but you can PM me if you need that solution .

Anther method that rarely works is beg for mercy from the local Garda .Get the other car insured preferably back dated to the time when stopped and try to explain "no speaky the much English" and he might have mercy on you and bin the offense Worth a shot tends to work better with older cops as they dont have quota targets of wrap sheets to get brownie points for their promotions.The young cop with his first two years in the force has quota to reach to get permanent so they are often difficult to work with

Alternatively think of going to court as going to meet the opponents on teh game of something tennis or football or something.The summons is they invite you to the game and you decide to go .There they invent the rules and your stitched up and lose as they change the goal post play tennis one second and football the next second and every time you touch the ball they call foul and get free kick and score against you so you will lose for sure.Your parasite helper the solicitor (to solicit =to whore ) can only limit the damage at best so instead to get say 500 euro fine he might get it reduced to 300 euros and you pay the solicitor 200.
See how that scam works .

The legal courts game in Ireland is the legal system of England with some minor local frills .
Basically in this court game your guilty end of story and your just in court to pay the fine end of story .They might listen your story and either decide to reduce the fine because they like you or the wife shagged well last night or they might fine you more for wasting their time and the wife didnt shag the judge due to headache.It their game their rules


However the summons doesn't say in the invitation that you cant chose the game to play (this method cant work if you use a solicitor as it automatic fail if there is solicitor there for you ).

If you go down to the court about one week before the court case see the court clerk you can command him to conduct the court case under the rules of the Irish Constitution of 1919 or 1922 or 1926 or 1936 whatever is your choice

In this case you choose the rules .Now your not guilty under the Irish Constitution and they have to prove your Guilt .That is legaly not easy nearly impossible with traffic issues .That is because there is nothing in the Irish Constitution that covers statues like road traffic act you cant be guilty so your off scot free if everything works to plan .
Often they the Irish system has many legal tricks and methods to circumvent that so it is very high risk strategy .
It is most unlikely to work for non Irish national that hasn't studied the subject for many months or even years
The legal system has spent hundreds of years to wrap up the victims so they cant get away with the high way robbery the legal system has invented to milk us of our cash

A sub note you can use any Constitution you want the German the British the Hungarian any they are for legal reasons all allowed so you can choose to have Bulgarian Constitution rules if you prefer and your Bulgarian .It can be even Pakistan Indian Burma Chile USA or even the Zimbabwe constitution you can chose to use in court.You cant do this on the day of court case it has to be done in advance .

Tigger

derry wrote: »

Yep your completely right to be mad with the Irish extortion car Insurance system .I lived and worked in many Eu and some african countries and never got the grief that I got here with petty rules extortion rate insurance and often had several cars insured at same time

From my memory some decades ago there was a a case in Ireland where a guy owned two cars both the same type with similar engines . He insured one of them and not the other .He had a accident in the other not insured car . The car insurance tried to get out of the claim .The judge if I recall said no way if the guy was insured for the same type of vehicle that insurance automaticaly went to the other car in accident .However if the other car he had owned had been larger engine lets say double the size engine and the insurance would have doubled then the insurance company would only have to still supply half the claim .If the car was the same size type or less then it was insured even though there was no contract for the other car .Its some sort of legal jargon of implied contract stuff . So just cause the insurance company says your not insured doesnt mean that is true

However that wont work with the local garda on the beat or at illegal road stops .They are the law they think so you gonna get it in the neck trying that stunt with them .They gonna haul you before the judge and he is gonna slap you with driving without insurance even though technically your insured .The law is an ass in this case there is no claim to pay out so they go by the letter of the law rather than the spirt .Its sort of like the football game where they control the size of the goal posts you have which are big and their goal post is net ball sized and moves .The legal system are real crowd of evil serpents from hell .its simple they make lots of money fining the chattlel the joe soaps with tiny infraction rules they invent as they go along .

You could go to court get doe take it higher up the system eventually get to European court of human rights which would probably agree with you and tell the Irish court system to revert to normal European solutions the car is insured rather than the driver .Apart from that would take years decades even cost a lot of time money and effort there is the hurdle to get over you need to have good legal reasons to appeal a local district courts or even the high courts ruling to get anywhere near a supreme court and i cant see any reasons to appeal .

Alternatively you could go into court and say I must have made an honest mistake . Then they got the problem to verify di you make an honest mistake .it worked for the former minister of defense in his court case they threw the case out because they could not establish he was lying or that he made honest mistake


Alternatively if you can get in writing from your present insurance company they would not insure the second car then your probably in good way to get off either lightly or completely with the judge who can see you genuinely tried and the fault lies with insurance company .The insurance companies have special license to insure cars in Ireland .If they dont or refuse to insure you then they break the special contract they have with the state and this leaves it open that the person reverts to driving using the state as the primary insurance agent .How ever for that to work properly requires that every insurance company in Ireland refuses to insure you in writing and the insurance ombudsman has not been able to obtain you insurance at some logical amount .Example if only one insurance company in Ireland would insure you for €1,000,000 euros the contract would be absurd and effectively would mean that it was not in the spirt of the states contract with insurance companies .If only one company came back and said they required €5000 to insure you then their would have to be serious good reasons like your history of crashes was bad or your disability like no legs and no arms would make you a bad driver

dealing with the Insurance Ombudsman is like getting your teeth puled out without anesthetic Best to think of ombusman as the Mafia Don and your going there to complain the local mafia hoods broke your legs caused you owed the mafia the money.
Thats is what the Ombudsman is .
The Insurance Ombudsman gets paid by the insurance industry to block you in your problems with them .His job is to lead you a merry dance and waste your time and tire you out sort of like the bull fighter does with the bull .There are ways to by pass this Mafi Don buts it tricky and not enough space here to explain it but you can PM me if you need that solution .

Anther method that rarely works is beg for mercy from the local Garda .Get the other car insured preferably back dated to the time when stopped and try to explain "no speaky the much English" and he might have mercy on you and bin the offense Worth a shot tends to work better with older cops as they dont have quota targets of wrap sheets to get brownie points for their promotions.The young cop with his first two years in the force has quota to reach to get permanent so they are often difficult to work with

Alternatively think of going to court as going to meet the opponents on teh game of something tennis or football or something.The summons is they invite you to the game and you decide to go .There they invent the rules and your stitched up and lose as they change the goal post play tennis one second and football the next second and every time you touch the ball they call foul and get free kick and score against you so you will lose for sure.Your parasite helper the solicitor (to solicit =to whore ) can only limit the damage at best so instead to get say 500 euro fine he might get it reduced to 300 euros and you pay the solicitor 200.
See how that scam works .

The legal courts game in Ireland is the legal system of England with some minor local frills .
Basically in this court game your guilty end of story and your just in court to pay the fine end of story .They might listen your story and either decide to reduce the fine because they like you or the wife shagged well last night or they might fine you more for wasting their time and the wife didnt shag the judge due to headache.It their game their rules


However the summons doesn't say in the invitation that you cant chose the game to play (this method cant work if you use a solicitor as it automatic fail if there is solicitor there for you ).

If you go down to the court about one week before the court case see the court clerk you can command him to conduct the court case under the rules of the Irish Constitution of 1919 or 1922 or 1926 or 1936 whatever is your choice

In this case you choose the rules .Now your not guilty under the Irish Constitution and they have to prove your Guilt .That is legaly not easy nearly impossible with traffic issues .That is because there is nothing in the Irish Constitution that covers statues like road traffic act you cant be guilty so your off scot free if everything works to plan .
Often they the Irish system has many legal tricks and methods to circumvent that so it is very high risk strategy .
It is most unlikely to work for non Irish national that hasn't studied the subject for many months or even years
The legal system has spent hundreds of years to wrap up the victims so they cant get away with the high way robbery the legal system has invented to milk us of our cash

A sub note you can use any Constitution you want the German the British the Hungarian any they are for legal reasons all allowed so you can choose to have Bulgarian Constitution rules if you prefer and your Bulgarian .It can be even Pakistan Indian Burma Chile USA or even the Zimbabwe constitution you can chose to use in court.You cant do this on the day of court case it has to be done in advance .

Well that clears everything up

derry

Tigger wrote: »

Well that clears everything up

No it doesn't it doesn't cover treaties and passports and implied contracts trusts and insured exempted drivers and thousands of other legal stories and legal dangles on the angles the rich use to get off these petty problems . Why was Minister of defence able to tell the legal system to get lost .Why was Shatter able to tell Gerda on illegal roadside stops to take hike .Why are the rich getting the 20% the points system suppressed and get away with it and muggins down below get it in the neck .
Because they the rich elite buy the law they invent the law and they know where to bend it because it made for them to bend to suit them .The rich elite coin it as they use the laws to steal your money and make themselves above the laws .
The foreigners are not so brain washed as many Irish are and they call it for what it is highway robbery with illegal road side stops to mug you

Derry

Marcusm

More freeman drivel but of a particularly interesting type. Usually, there is no acknowledgement of being subject to man's law. This particular type seems to allow you which constitution to apply (not that constitutional law ha much to do with day to day insurance issues). This should allow the use of the famous "Pointless", I'll have that of the Central African Republic or Kiribati or Tuvalu. That being said, Derry might choose Romulan or Ferengi.

keithclancy

derry wrote: »

A sub note you can use any Constitution you want the German the British the Hungarian any they are for legal reasons all allowed so you can choose to have Bulgarian Constitution rules if you prefer and your Bulgarian .It can be even Pakistan Indian Burma Chile USA or even the Zimbabwe constitution you can chose to use in court.You cant do this on the day of court case it has to be done in advance .