Small accident

alwald

Hi, A relative had a small accident today, I didn't see the car but I was told that there is no damage at all bar few small minor scratches.
He was driving behind based on what he said a bad driver, the bad driver hesitated at a junction and so my relative touched his car from the back, both cars were carrying children and the second car had an extra adult as well.
The garda were called, took note of everything and exchanged the details with both drivers.
Based on my relative, the other driver seemed a bit of a chancer and started to say that his wife hurt her neck and so on, my questions are:

1 - Do the garda take notes of the damages as well, if yes how detailed will they be and will the insurance company have access to theses notes.
2 - How likely that the other driver will claim for health damages or anything similar? and if he can what would be his chances to get anything out of it? knowing that there is no damage to either car bar 1 or 2 minor scratches, both cars were stopped before all this happened so they were going at like 5 km/h.

michael999999

So the other driver was a bad driver, but your relative was so close as to drive into the back of him!

Stheno

alwald wrote: »

Hi, A relative had a small accident today, I didn't see the car but I was told that there is no damage at all bar few small minor scratches.
He was driving behind based on what he said a bad driver, the bad driver hesitated at a junction and so my relative touched his car from the back, both cars were carrying children and the second car had an extra adult as well.
The garda were called, took note of everything and exchanged the details with both drivers.
Based on my relative, the other driver seemed a bit of a chancer and started to say that his wife hurt her neck and so on, my questions are:

1 - Do the garda take notes of the damages as well, if yes how detailed will they be and will the insurance company have access to theses notes.
2 - How likely that the other driver will claim for health damages or anything similar? and if he can what would be his chances to get anything out of it? knowing that there is no damage to either car bar 1 or 2 minor scratches, both cars were stopped before all this happened so they were going at like 5 km/h.

1. Doubtful the guards will take note of injuries unless there was hospital required at the scene.
2. Your relative will have to wait and see. I was once rear ended while stopped by a car that was reversing out of a parking space, and suffered a fair bit of pain for several weeks afterward.

They should report the accident immediately to their insurance company,from what you've posted they were not paying enough attention/weren't far enough back to stop on time, so my be considered to be at fault. And I'd be fairly sure they were going at more than 5kph at the time, even if they had been stopped

Rightwing

Claim on the way. Big claim I would say. It's a scam, people looking for small accidents. Judges need to front up & stop it.

Gardai have nothing to do with claims etc.

ibebanging

It's your relatives fault if they shunted the car in front of them. The damages the injured party claim for is out of your relatives control it will be dealt with by the insurance company, they may not inform your relative of what damages are paid out.

alwald

ibebanging wrote: »

It's your relatives fault if they shunted the car in front of them. The damages the injured party claim for is out of your relatives control it will be dealt with by the insurance company, they may not inform your relative of what damages are paid out.

Ok but the Insurance price will certainly increase, right?

Stheno

alwald wrote: »

Ok but the Insurance price will certainly increase, right?

Yes they will lose some or all of their no claims bonus depending on what kind of policy they have

alwald

Rightwing wrote: »

Claim on the way. Big claim I would say. It's a scam, people looking for small accidents. Judges need to front up & stop it.

Gardai have nothing to do with claims etc.

That's what I think, some ppl are desperate for some easy money, and this is perfect based on the fact that there was 2 kids in the car as well, how much money are we talking about now?

Stheno

alwald wrote: »

That's what I think, some ppl are desperate for some easy money, and this is perfect based on the fact that there was 2 kids in the car as well, how much money are we talking about now?

That's for the insurance company to settle tbh

leeroybrown

If a minor neck injury is claimed and the medical documents are all in order the insurance company will likely settle via the PIAB quite quickly. Insurers generally don't contest these claims if there's no obvious grounds as it ends up costing more. The last dodgy neck injury I'm familiar with was a €4,500 payout and that's at the low end of the scale.

Unfortunately, your relative doesn't have much room for argument. They were at fault (regardless of the circumstances) and their insurer takes charge of minimising the cost of settling.

colm_mcm

Its natural that your relative will believe that it was a setup and there's no way their lack of attention/keeping correct distance was to blame.

Rightwing

alwald wrote: »

That's what I think, some ppl are desperate for some easy money, and this is perfect based on the fact that there was 2 kids in the car as well, how much money are we talking about now?

I'd be pleasantly surprised if it was anything less than €20K

Mech1

The bigger the impact on your relatives insurance and no claims, the better in my view.

After that ridiculous opening post.

Can you not see yourself who is to blame here?

alan partridge aha

Mech1 wrote: »

The bigger the impact on your relatives insurance and no claims, the better in my view.

After that ridiculous opening post.

Can you not see yourself who is to blame here?

WTF. Never made a mistake in your life?:mad:

_Brian

Iis it not too easy for people here to jump and say this is a scam.

It may well be that the first car did hesitate , perhaps they saw oncoming traffic and the "bad" driver behind who was travelling too close/fast or both was to blame.

There are plenty of people who are legitametly claiming compensation for injuries caused by other careless drivers.

I've been injured by another careless driver and five years later am out of pocket, permanent injuries, was out of work for over a year, had to change occupation, give up hobbies. All because of a similar careless driver that OP describes. I'll have my day in court and hold my head up taking whatever compensation and expenses I can manage to be awarded.

Makes me angry to see anyone injured in an accident labeled as a scam artist. Particularly by those behind keyboards who know nothing of the accident.

Mech1

alan partridge aha wrote: »

WTF. Never made a mistake in your life?:mad:

I have made a few, but i didnt try to get out of paying for it!!! (Them)

alwald

colm_mcm wrote: »

Its natural that your relative will believe that it was a setup and there's no way their lack of attention/keeping correct distance was to blame.

michael999999 wrote: »

So the other driver was a bad driver, but your relative was so close as to drive into the back of him!

I never said that my relative wasn't at fault, I just stated what he said. nothing else nothing more

Mech1 wrote: »

The bigger the impact on your relatives insurance and no claims, the better in my view.

After that ridiculous opening post.

Can you not see yourself who is to blame here?

Did I blame anybody? I am inquiring simply about the possible result, nothing less than that.....just like what Alan said, have you never done a mistake in your life?

alan partridge aha

alwald wrote: »

I never said that my relative wasn't at fault, I just stated what he said. nothing else nothing more



Did I blame anybody? I am inquiring simply about the possible result, nothing less than that.....just like what Alan said, have you never done a mistake in your life?

Well said, plenty of chancers out there, has your relative no claims protection on the policy.

colm_mcm

Was this not your own opinion?

alwald wrote: »

That's what I think, some ppl are desperate for some easy money, and this is perfect based on the fact that there was 2 kids in the car as well, how much money are we talking about now?

Rightwing

The facts are almost anyone can be in a small accident in built up area if someone hits on the brakes all of a sudden for no reason.

alwald

alan partridge aha wrote: »

Well said, plenty of chancers out there, has your relative no claims protection on the policy.

Yes, about 8 years so I don't know what would be the hit on their premium and how many years they will loose.

colm_mcm wrote: »

Was this not your own opinion?

where did I say it wasn't his fault? technically it's his fault 100 per cent as per the rules of the road, however, there are situations in which ppl try to make money out of nothing, that's all what I said

Mech1

Just move on in the motoring life, dont worry about it. insurance will pay, no claims might take a hit, your relative might / will pay double next year.

Thats what happens whatever damage you cause big or small.

Greenmachine

Rightwing wrote: »

The facts are almost anyone can be in a small accident in built up area if someone hits on the brakes all of a sudden for no reason.

Based on what?

alan partridge aha

alwald wrote: »

Yes, about 8 years so I don't know what would be the hit on their premium and how many years they will loose.



where did I say it wasn't his fault? technically it's his fault 100 per cent as per the rules of the road, however, there are situations in which ppl try to make money out of nothing, that's all what I said

They would have to pay a small bit for no claims protection alwald. If it isnt protected they're no claims will be stepped back. My policy allows 2 accidents in 3 years without affecting my no claims bonus.

Fingers crossed it wont come to this.

Mech1

Hi, A relative had a small accident today, I didn't see the car but I was told that there is no damage at all bar few small minor scratches.
He was driving behind based on what he said an other car bad driver, the bad driver other car hesitated at a junction and so my relative touched hit his car from the back, both cars were carrying children and the second car had an extra adult as well.
The garda were called, took note of everything and exchanged the details with both drivers.
Based on my relative, the other driver seemed a bit of a chancer and started to say that his wife hurt her neck shocked and his wife may have been injured and so on, my questions are:

Rightwing

Greenmachine wrote: »

Based on what?

Insurance companies are inundated with small crashes. Premiums are going up as a result.

colm_mcm

Rightwing wrote: »

Insurance companies are inundated with small crashes. Premiums are going up as a result.

When did this happen?

alwald

just to be clear about the bad driving bit, my relative was driving for about 10 min behind the so called "bad driver" who hasn't used a signal once regardless if it was at a junction, traffic light or a round about, my relative kept a good distance between him and this car, the accident happened at a junction where both were turning right and they were both stopped as there was a yield sign, the "bad driver" engaged, his car was half way into the junction and then decided to break suddenly, now this junction is made of three lanes all going to the right so based on what I was told he was going to the middle one but seen a car coming, instead of keeping into the right lane he decided to break, my cousin breaked on time but barely touched the other car, minimum contact, no dent at all.

now, is this based on your view a bad driving or not? how would you feel if it happened to you?

well my cousin was shocked since this is his first accident in about 12 years of driving, he felt that the other person was pushing too much about the fact that there might be a neck injury and as explanation to the Garda he mentionned that he was turning and a car was flying towards his direction and he stopped slowly "LOL" and that my cousin was too close meanwhile my cousin's version is completely different.

Rightwing

colm_mcm wrote: »

When did this happen?

Quite recently. FBD are after recording a loss.
Was talking to someone from the industry about it recently. There's little they can do but settle out of court.

Mech1

alwald wrote: »

just to be clear about the bad driving bit, my relative was driving for about 10 min behind the so called "bad driver" who hasn't used a signal once regardless if it was at a junction, traffic light or a round about, my relative kept a good distance between him and this car, the accident happened at a junction where both were turning right and they were both stopped as there was a yield sign, the "bad driver" engaged, his car was half way into the junction and then decided to break suddenly, now this junction is made of three lanes all going to the right so based on what I was told he was going to the middle one but seen a car coming, instead of keeping into the right lane he decided to break, my cousin breaked on time but barely touched the other car, minimum contact, no dent at all.

now, is this based on your view a bad driving or not? how would you feel if it happened to you?

well my cousin was shocked since this is his first accident in about 12 years of driving, he felt that the other person was pushing too much about the fact that there might be a neck injury and as explanation to the Garda he mentionned that he was turning and a car was flying towards his direction and he stopped slowly "LOL" and that my cousin was too close meanwhile my cousin's version is completely different.

Very bad driving by the car behind, should have waited until the first car cleared the junction, then moved if clear, it obviously wasnt even clear for the first driver never mind your guy.

runawaybishop

alwald wrote: »

just to be clear about the bad driving bit, my relative was driving for about 10 min behind the so called "bad driver" who hasn't used a signal once regardless if it was at a junction, traffic light or a round about, my relative kept a good distance between him and this car, the accident happened at a junction where both were turning right and they were both stopped as there was a yield sign, the "bad driver" engaged, his car was half way into the junction and then decided to break suddenly, now this junction is made of three lanes all going to the right so based on what I was told he was going to the middle one but seen a car coming, instead of keeping into the right lane he decided to break, my cousin breaked on time but barely touched the other car, minimum contact, no dent at all.

now, is this based on your view a bad driving or not? how would you feel if it happened to you?

well my cousin was shocked since this is his first accident in about 12 years of driving, he felt that the other person was pushing too much about the fact that there might be a neck injury and as explanation to the Garda he mentionned that he was turning and a car was flying towards his direction and he stopped slowly "LOL" and that my cousin was too close meanwhile my cousin's version is completely different.

Your cousin is completely at fault. They did not brake in time at all.

Both your cousins and the other drivers insurance company will get their own doctors to check out the injured parties and will report their findings to the PIAB who will then make a decision.

goz83

Rightwing wrote: »

Claim on the way. Big claim I would say. It's a scam, people looking for small accidents. Judges need to front up & stop it.

No, it really doesn't sound like a scam. opportunistic exaggeration at best. Judges won't stopmanything, because the overwhelming majority of these minor claims are settled with the injuries board.

alwald wrote: »

just to be clear about the bad driving bit, my relative was driving for about 10 min behind the so called "bad driver" who hasn't used a signal once regardless if it was at a junction, traffic light or a round about, my relative kept a good distance between him and this car, the accident happened at a junction where both were turning right and they were both stopped as there was a yield sign, the "bad driver" engaged, his car was half way into the junction and then decided to break suddenly, now this junction is made of three lanes all going to the right so based on what I was told he was going to the middle one but seen a car coming, instead of keeping into the right lane he decided to break, my cousin breaked on time but barely touched the other car, minimum contact, no dent at all.

now, is this based on your view a bad driving or not? how would you feel if it happened to you?

well my cousin was shocked since this is his first accident in about 12 years of driving, he felt that the other person was pushing too much about the fact that there might be a neck injury and as explanation to the Garda he mentionned that he was turning and a car was flying towards his direction and he stopped slowly "LOL" and that my cousin was too close meanwhile my cousin's version is completely different.

To be clear, you really shouldn't take your cousins every word like milk from a nipple. He likely gave you a teary eyed version of events, with the menacing driver in front who had no indicators and swerved from side to side as if drunk on danger, who slammed on the brakes and before he hit into the back of the menace, the neck brace was already on the wife, who then purposely, after the 2kmph kiss, smashed her own head through the side window :pac:

Come on man. Your cousin made a balls of driving rookie mistake. You were not there to witness anything, so to mention easy claim money and bad driving is just plain stupid imo. Its a bitter pill to swallow when you are the one responsible for an accident, so it makes it easier to paint the other driver as the real problem.

I say this as someone who is on 5 different medications because of someone elses careless driving.Oh, and that person also seemed to think that it was my fault, even though I was stationary for a number of seconds before he ploughed into the back of me, wrecking my car and causing major disruption and pain in my life.

You would be surprised at how easy someone can get a whiplash injury. Think of it. The driver your cousin crashed into, hit his brakes. His wifes head went forward and than the shunt from your cousins car made her head go backward. Sudden jerks of the head in any direction can cause whiplash. It can come on immediately, or can take several days.