After all your help - a thank you...but not off the hook yet

Missyelliot2

Hi folks,
You were all so helpful back in Feb, when I DID tip the car in front, but it snowballed into boot not closing/personal injury etc. thank you all so much for the astute advice.
I've just paid my insurance, (a big jump from €400 to €600), but was glad just to put it behind me. My issue/question is, that on my no claims bonus, it states that the claim is 'open/unresolved.' I have received nothing at all from this person since the tip in February.

power pants

your insurance has not been affected yet from your crash

The 200 was them just putting it up for the sake of it "market conditions"

When the claim has been resolved, you will see a massive increase in your premium then unfortunately

Missyelliot2

power pants wrote: »

your insurance has not been affected yet from your crash

The 200 was them just putting it up for the sake of it "market conditions"

When the claim has been resolved, you will see a massive increase in your premium then unfortunately

Oh...Ok- thanks power pants. Is there any way I can fight this- my insurance won't be bothered,(this was so minor), I would prefer to pay a solicitor than let this person get away with this?
My insurance company hasn't been in contact at all, so how will I know this has been resolved?
Apologies for all the questions

blindside88

Missyelliot2 wrote: »

Oh...Ok- thanks power pants. Is there any way I can fight this- my insurance won't be bothered,(this was so minor), I would prefer to pay a solicitor than let this person get away with this?
My insurance company hasn't been in contact at all, so how will I know this has been resolved?
Apologies for all the questions

If you have accepted responsibility there is very little you can fight except the amount they are claiming. If they have medical proof there is very little you can do. To be honest with you it doesn't make a difference with most companies heather you have a claim for €1,000 or €10,000 it's still a claim. Some companies do have a problem if it goes over €30,000 for example

Missyelliot2

blindside88 wrote: »

If you have accepted responsibility there is very little you can fight except the amount they are claiming. If they have medical proof there is very little you can do. To be honest with you it doesn't make a difference with most companies heather you have a claim for €1,000 or €10,000 it's still a claim. Some companies do have a problem if it goes over €30,000 for example

Thanks blindside88- never been involved in any kind of accident ever. I suppose I'm just fed up that this person can claim for what was a bumper-tip at 5km/hr....I just felt this person was rubbing their hands and seeing euro signs to upgrade their 07 Primera- bit sickening.

Regretfully this happens a lot...

blindside88

Missyelliot2 wrote: »

Thanks blindside88- never been involved in any kind of accident ever. I suppose I'm just fed up that this person can claim for what was a bumper-tip at 5km/hr....I just felt this person was rubbing their hands and seeing euro signs to upgrade their 07 Primera- bit sickening.

It is a sickening situation alright. I've had it happen to a family member and it would make your blood boil

Missyelliot2

blindside88 wrote: »

It is a sickening situation alright. I've had it happen to a family member and it would make your blood boil

Definitely sickening- but firm belief in 'what goes around, comes around'-suppose insurance companies cannot be bothered arguing with these claims. Do you know for how long they can drag out? Ie how long after the accident does the person have a right to claim? (Sorry for all the questions)

blindside88

Missyelliot2 wrote: »

Definitely sickening- but firm belief in 'what goes around, comes around'-suppose insurance companies cannot be bothered arguing with these claims. Do you know for how long they can drag out? Ie how long after the accident does the person have a right to claim? (Sorry for all the questions)

I'm not 100% sure but for some reason 3 years comes to mind. With personal I hey claims they tend to drag. You also can't move insurers while the claim is open

MugMugs

Missyelliot2 wrote: »

Hi folks,
You were all so helpful back in Feb, when I DID tip the car in front, but it snowballed into boot not closing/personal injury etc. thank you all so much for the astute advice.
I've just paid my insurance, (a big jump from €400 to €600), but was glad just to put it behind me. My issue/question is, that on my no claims bonus, it states that the claim is 'open/unresolved.' I have received nothing at all from this person since the tip in February.

Have you spoken to the claims agent dealing with your claim for an update on where your claim currently stands? They should be telling you this as a matter of course.

power pants wrote: »

your insurance has not been affected yet from your crash

The 200 was them just putting it up for the sake of it "market conditions"

When the claim has been resolved, you will see a massive increase in your premium then unfortunately

In my many years of dealing with Insurance claims, it's always been the case that the renewal is impacted once there is an active claim against the policy.

Can you tell me what makes you say that the underwriters have ignored the evident increased risk and merely applied an increased premium for a spurious reason you appear to have just made up?

power pants

are you arguing for the sake of arguing?

When the claim has been resolved it will go significantly higher than the 200

try doing the same as op and find out for yourself :rolleyes:

MugMugs

power pants wrote: »

are you arguing for the sake of arguing?

When the claim has been resolved it will go significantly higher than the 200

try doing the same as op and find out for yourself :rolleyes:

No, I am asking you to clarify where you're getting your information from.

I am saying that you're talking through your backside on the merit of in excess of 15 years experience within the industry and a degree.

What's your opinion based on?

power pants

I dont believe you either

what happens now?

Can you verify yours?

Ive experience too as it happens

MugMugs

power pants wrote: »

I dont believe you either

what happens now?

Can you verify yours?

Ive experience too as it happens

From the pure ignorance of your advice, I sincerely doubt that.

Fun fact, Insurers don't just "lash on a few bob" for kicks and giggles.....

MugMugs

MugMugs wrote: »

From the pure ignorance of your advice, I sincerely doubt that.

Fun fact, Insurers don't just "lash on a few bob" for kicks and giggles.....

I would have to disagree there aswell..

When it comes to renewal time, yes they do.. Ya can often ring the insurance company and they will knock anything from 50 - 100 off straight away (just for ringing).

Have experienced that just recently renewing home insurance...

They add on a few bob in the hope that people are too lazy to ring around, I would say in a lot of cases it works

percy212

Yes they do add a few bob for the craic, which is why a lot of people switch at renewal time. Anyone driving a car can tell you that...

As for the OP, I had a similar problem. An absolute PRICK drove into me at low speed and made a large PI claim. It was absolutely maddening but the insurance company didn't care. They just wanted to pay out and close the case. I feel for you but there isn't a lot you can do.

db

Missyelliot2 wrote: »

Hi folks,
You were all so helpful back in Feb, when I DID tip the car in front, but it snowballed into boot not closing/personal injury etc. thank you all so much for the astute advice.
I've just paid my insurance, (a big jump from €400 to €600), but was glad just to put it behind me. My issue/question is, that on my no claims bonus, it states that the claim is 'open/unresolved.' I have received nothing at all from this person since the tip in February.

If you just tipped the car as you claim then you wouldn't have damaged it so much that the boot won't close. I was hit from behind in what appeared to be a minor incident with no damage but I found out later that the floor of the boot had been crushed and after opening the boot I couldn't close it again.

It's not up to you to decide whether the other party is injured or not but you hit him hard enough that he would have felt the impact based on my experience. You crashed into him and caused damage so he is claiming off your insurance. He is perfectly entitled to do that and your insurance will pay out what they think is the correct compensation.

MugMugs

percy212 wrote: »

Yes they do add a few bob for the craic, which is why a lot of people switch at renewal time. Anyone driving a car can tell you that...

As for the OP, I had a similar problem. An absolute PRICK drove into me at low speed and made a large PI claim. It was absolutely maddening but the insurance company didn't care. They just wanted to pay out and close the case. I feel for you but there isn't a lot you can do.

powerpants is suggesting that the renewal premium has been calculated excluding consideration for the open claim marked against the policy and merely added a monetary amount for the sheer hell of it.

This is incorrect. The claim would be considered when calculating the renewal.

Like everything in this world, there's always a degree of give and take on the cost of something. Carpenters right through to sellers do this and Insurers are no exception to the rule.

Joeseph Balls

Sister tipped someone from behind, nothing major, sorted there and then or so she thought. He put in a claim and she got her renewal the other day, went from 500 to 1500. The claim was less than 1k.

twowheelsonly

MugMugs wrote: »

powerpants is suggesting that the renewal premium has been calculated excluding consideration for the open claim marked against the policy and merely added a monetary amount for the sheer hell of it.

This is incorrect. The claim would be considered when calculating the renewal.

Like everything in this world, there's always a degree of give and take on the cost of something. Carpenters right through to sellers do this and Insurers are no exception to the rule.

If it's only at the 'claim pending' stage why would any increase be applied so ?? Will this figure rise again when the claim is settled? Seems a bit presumptuous to me.

Many years ago I was looking for insurance and was frustrated with some of the quotes I was getting. Eventually I was in the AA office (with whom I was a named driver for a number of years before that.) I got a quote of £1200 off them and questioned it to be told that there was a loading for this, that and the other. Fair enough, says I, but what are you loading it on? i.e. what's the starting figure that you're loading all these things onto? The girl stuttered , hummed and hawed and couldn't give me or get a breakdown of the figures. Just like magic the figure went to £800 !! It's always worth questioning these things.

MugMugs

twowheelsonly wrote: »

If it's only at the 'claim pending' stage why would any increase be applied so ?? Will this figure rise again when the claim is settled? Seems a bit presumptuous to me.

Because it's an open claim with a reserve against and liability primarily accepted.

Bio Mech

power pants wrote: »

your insurance has not been affected yet from your crash

The 200 was them just putting it up for the sake of it "market conditions"

When the claim has been resolved, you will see a massive increase in your premium then unfortunately

An open or un resolved claim will attract a premium increase. That may or may not increase once the claim is settled but that will depend on the size and cost of the claim. There may be an element of market increase in there too but I would be almost certain a lot of it is for the open claim.

I had a crash last year where the other party was at fault. My renewal was the following week. I informed my insurance and had a big loading for an open claim as liability or cost had not been established when the renewal was issued.

When it was established that the other party was at fault and that there would be no claim on my policy the increase was withdrawn.

Bio Mech

twowheelsonly wrote: »

If it's only at the 'claim pending' stage why would any increase be applied so ?? Will this figure rise again when the claim is settled? Seems a bit presumptuous to me.

Many years ago I was looking for insurance and was frustrated with some of the quotes I was getting. Eventually I was in the AA office (with whom I was a named driver for a number of years before that.) I got a quote of £1200 off them and questioned it to be told that there was a loading for this, that and the other. Fair enough, says I, but what are you loading it on? i.e. what's the starting figure that you're loading all these things onto? The girl stuttered , hummed and hawed and couldn't give me or get a breakdown of the figures. Just like magic the figure went to £800 !! It's always worth questioning these things.

As MugMugs said its a reserve loading based on the pending claim. The cost once the claim is settled could rise for a big claim or fall if it turns out to be small or if the claim doesn't proceed.

Its worth pushing it for sure with renewals but with an open claim the company wont entertain you much because they know that, realistically, no other insurer will want your business when a claim is pending and you are stuck with them.

To Elland Back

When a claim is notified, Insurers place a reserve on it immediately to reflect the likely outcome. At renewal, your premium is calculated taking this reserve in to account. If your bonus is protected, it will stay intact, if not it will be adjusted. Reserves can change during the course of processing a claim but, like I said, your next renewal premium is calculated on the prevailing reserve of the 'open claim'

vectra

power pants wrote: »

are you arguing for the sake of arguing?

When the claim has been resolved it will go significantly higher than the 200

try doing the same as op and find out for yourself :rolleyes:

Completely wrong.
I know a friend who's insurance jumped from 900 one year to almost 3,500 next year.
Why?
Because thay had an accident and had an open claim.
Mugs s correct.

Missyelliot2

db wrote: »

If you just tipped the car as you claim then you wouldn't have damaged it so much that the boot won't close. I was hit from behind in what appeared to be a minor incident with no damage but I found out later that the floor of the boot had been crushed and after opening the boot I couldn't close it again.

It's not up to you to decide whether the other party is injured or not but you hit him hard enough that he would have felt the impact based on my experience. You crashed into him and caused damage so he is claiming off your insurance. He is perfectly entitled to do that and your insurance will pay out what they think is the correct compensation.

The guys boot was damaged badly on the right hand side prior to me tipping it. I have a photo of this. I caused paint damage (about the size of a euro coin). He called me 2 days later to say his boot wouldn't close. I was driving home after collecting the children from school and he was in front of me, with the boot firmly shut. I called him to tell him that I was handing it over to the insurance, as I didn't feel comfortable dealing with him.
Then I got a letter from the insurance to say there was a personal injury claim against me........just leaves me with a very uneasy feeling....
I would absolutely pay for any damage that that I caused, but he's really taking advantage.

power pants

vectra wrote: »

Completely wrong.
I know a friend who's insurance jumped from 900 one year to almost 3,500 next year.
Why?
Because thay had an accident and had an open claim.
Mugs s correct.

I beg to differ

Liam McPoyle

percy212 wrote: »

Yes they do add a few bob for the craic, which is why a lot of people switch at renewal time. Anyone driving a car can tell you that...

As for the OP, I had a similar problem. An absolute PRICK drove into me at low speed and made a large PI claim. It was absolutely maddening but the insurance company didn't care. They just wanted to pay out and close the case. I feel for you but there isn't a lot you can do.

If they drove into you, how are they making a PI claim on your insurance?

Surely if they impacted you then they cannot claim off you?



In relation to an open claim effecting a bonus.

From my experience if the claim is open at renewal stage then a claims loading should not be applied because for all intents and purposes it could be settled at nil so the driver should not be penalised unless there is something to actually penalise - standard company rate increases notwithstanding.

When I worked in a brokers however I did see some policies come through for renewal that had had the bonus reduced/deleted and the claim was still open.

Its something that is very dubious and not in the least bit fair so I would suggest that anyone that finds themselves in a situation like this to query it with their insurer and if they are sticking to their guns to go to the ombudsman.

When a claim is still open then the bonus should be uneffected, if someone still has their bonus but sees their policy jump by a significant amount and an open claim they are being held to ransom as no other insurer will take you on with an open claim.

vectra

power pants wrote: »

I beg to differ

First hand experience I assume?

power pants

you assumed correctly

vectra

power pants wrote: »

you assumed correctly

Well you can also take it that i know for a fact that once there is an open claim on a policy then it shoots up.

power pants

I know for a FACT it did not happen that way with me

oh well such is the rich tapestry of life and car insurance

edburg

Yes from my experience when ringing around I had more of a problem with open claims in with my dad than when it was finally closed.

Also had a tip with work truck once, took wing mirror of a woman's car on tight bit of road, woman came chasing me down screaming head off and slammed door on her car so hard that it shook the bump strips of the drivers door. I took photos of car showing her standing there ranting next to car with broken mirror before leaving.

Took the details of her car ignoring the rant, apologised and informed work and passed details on.
3 months later a claims report was given to me in work and it had escalated to life disability/ptsd claim on account of me running her off road in area where it was her right of way (non existent) and list of future unforseen possibilities (i.e housebound, carer etc etc)

Ended up meeting 2 crash investigators explaining incident roadside where it happened, both agreeing it was nonsense claim there was no right of way and it was just an everyday incident where 2 vehicle's clashed on tight bit of road.

Last I heard from it before I left it was on verge of court as the woman turned down 20k offer from works insurance.


Insurance is a fickle game of economising and getting the cheapest deal for them and its a very dark hole in this country compared to UK market.