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Insurance claims: how they work?

  • 21-02-2015 3:17pm
    #1
    Lockstep
    Registered Users, Registered Users 2 Posts: 9,031 ✭✭✭


    Just to clarify, I've not had any accidents (gotta love that no claims bonus) but assuming I did have one, how does insurance work?

    Do you just swap insurance numbers with the other party? If the other person was clearly in the wrong (pulls out in front of you, ran a red light etc) but won't admit liability, how does the insurance company know who is at fault?


Comments

  • #2
    MascotDec85
    Registered Users, Registered Users 2 Posts: 1,924 ✭✭✭MascotDec85


    Lockstep wrote: »
    Just to clarify, I've not had any accidents (gotta love that no claims bonus) but assuming I did have one, how does insurance work?

    Do you just swap insurance numbers with the other party? If the other person was clearly in the wrong (pulls out in front of you, ran a red light etc) but won't admit liability, how does the insurance company know who is at fault?

    You should swap full details with the other party. Name, address, phone number and insurance details. You should also take as many photographs of the scene as you can, from various angles. Do this before moving any cars to a safe place at the side of the road (if possible). All too often minor tips remain in place til the Gardai arrive causing needless tailbacks in the process.

    If there were any witnesses ask them if they are willing to give you their details too, your insurance company will ask for it.

    On your claims form you'll be asked for your version of events. Give as much info as possible. Avoid using words like "suddenly" or "out of nowhere" as depending on what's happened might lead them to think you weren't observant. Obviously, this may not be the case but take the point.

    The insurance companies will negotiate with each other and decide how much blame lies with each party. If they can't decide they might decide to go to court to let the judge settle it.

    The Gardai need to be called to the scene if there are any injuries. If there are no injuries they merely need to be informed that the accident has taken place as the first opportunity, they DO NOT need to attend the scene.


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