Insurance after accident. Other party, feeling sorry for her

mcneil

My wife was hit in the back from another women a few months back. The other party admitted liability straight away and damages for car has been paid. My wife and kids ended up with whiplash and other minor bruises in faces which are claiming for.

What I want to know, how bad will this effect the other girls insurance when its time to renew. I've been getting conflicting information, been told she can't get insured again for 2 years by any insurance company to Insurance will be what ever is paid out to all parties and another told me it'll only be 2k on top of what her last premium was. Starting to feel bad about these claims against her ( even thou my family were injured and she was in the wrong) because she has her own wee family and would hate to see them be off the road because of it.

colm_mcm

She will probably have claimed off them too for her own car.
Sounds harsh, but you need to remember that this is what happens when you don't drive properly, and that's what insurance is for. You're not to blame here.

Liam McPoyle

mcneil wrote: »

My wife was hit in the back from another women a few months back. The other party admitted liability straight away and damages for car has been paid. My wife and kids ended up with whiplash and other minor bruises in faces which are claiming for.

What I want to know, how bad will this effect the other girls insurance when its time to renew. I've been getting conflicting information, been told she can't get insured again for 2 years by any insurance company to Insurance will be what ever is paid out to all parties and another told me it'll only be 2k on top of what her last premium was. Starting to feel bad about these claims against her ( even thou my family were injured and she was in the wrong) because she has her own wee family and would hate to see them be off the road because of it.

While the claim is open then she will probably be tied to her insurer.

Without knowing what kind of bonus she has, if its protected etc then anything anyone is saying to you is pure speculation.

I wouldn't beat yourself up over it. She was in the wrong, your family were injured and are perfectly entitled to claim.

When one takes a motor on the road one always runs the risk of being in an accident, its part and parcel of driving.

mcneil

colm_mcm wrote: »

She will probably have claimed off them too for her own car.
Sounds harsh, but you need to remember that this is what happens when you don't drive properly, and that's what insurance is for. You're not to blame here.

Yes I know this but I'm feeling abit guilty for any hardship if shell have to pay 10s of thousands or all insurance company's wont insure her. If she was on her own maybe not so much but her family will be effected greatly by this.

mcneil

Business Cat wrote: »

While the claim is open then she will probably be tied to her insurer.

Without knowing what kind of bonus she has, if its protected etc then anything anyone is saying to you is pure speculation.

I wouldn't beat yourself up over it. She was in the wrong, your family were injured and are perfectly entitled to claim.

When one takes a motor on the road one always runs the risk of being in an accident, its part and parcel of driving.

If it's protected will her insurance not rise much? I'm just curious how bad these insurance claims effects people who are in the wrong because I've never experienced anything like it.

the_syco

mcneil wrote: »

My wife and kids ended up with whiplash and other minor bruises in faces which are claiming for.

mcneil wrote: »

Yes I know this but I'm feeling abit guilty for any hardship if shell have to pay 10s of thousands

In a few years time when they're still going to physio, you won't be feeling guilty.

Atlantic Dawn

It might be the best thing that ever happened to her, she will adjust her driving style accordingly, the crash might have even saved her and her kids life in the lesson learned.

CiniO

In my opinion all should happen is she should loose her NCB is she doesn't have NCB protection on her policy.
So f.e. if she had 50% NCB and used to pay €500 per annum premium, now she should pay €1000.
If she had NCB protection, her premium should generally stay similar to what she used to pay.
Obviously this is Ireland and all insureance companies use any excuse to charge a lot, so might be more, but I wouldn't think anyone is going to pay tens of thousands on insurance after single claim.

slimjimmc

mcneil wrote: »

Yes I know this but I'm feeling abit guilty for any hardship if shell have to pay 10s of thousands or all insurance company's wont insure her. If she was on her own maybe not so much but her family will be effected greatly by this.

As mentioned above, until the claim is fully settled and closed no other insurer will take her on, she'll have to stay with her current insurer. This is normal because no insurer wants to expose themselves to an unresolved claim.
Regardless of her NCB protection if any she'll be paying more as her risk profile has increased but she'll likely only be paying hundreds extra not many thousands. However if she breached the terms of her policy (e.g. by driving alone on a learner permit) then it's possible her insurer could theoretically sue her for the payout. Don't feel guilty about it.

vectra

The thing to always consider in these situations is this.
Try to imagine if it were the other way around and your wife crashed into her car.
Would she be feeling guilty for you?
I think not.

Voodoomelon

Note this should not be used as a comparison, but just food for thought.

A girl I know was deemed to be the cause of an accident at a junction, breaking a red light (despite protests it was the other party) and a minibus smashed into her. He insurance was hit for both her own repairs and the other parties repairs, a substantial claim. To my amazement, her insurance only doubled (from approx 400 to 800). Three years on and her insurance is back to what it was before.

Fair play for feeling sorry for the other party, i'm a sucker for worrying/feeling sorry about other people too even though they may be in the wrong. Most people wouldn't give a crap.

9935452

CiniO wrote: »

In my opinion all should happen is she should loose her NCB is she doesn't have NCB protection on her policy.
So f.e. if she had 50% NCB and used to pay €500 per annum premium, now she should pay €1000.
If she had NCB protection, her premium should generally stay similar to what she used to pay.
Obviously this is Ireland and all insureance companies use any excuse to charge a lot, so might be more, but I wouldn't think anyone is going to pay tens of thousands on insurance after single claim.

Slightly wrong there . Even with full no claims protection the premium would never stay the same after having an accident.
When they reaccess her situation, she is a higher risk because she had an accident so the basic figure will go up.
There is a reason insurance companys ask for both years no claims and have you had an accident/claim in the last 5 years

To Elland Back

Her premium will go up. Just a fact of life and not your worry OP

Caliden

She'll lose her NCB which is about a 100% increase (ncb reduces cost by 50% normally) and that'll be it.

As for this crap 'can't get insured again for 2 years by any insurance company' is absolute rubbish.

cruizer101

Voodoomelon wrote: »

To my amazement, her insurance only doubled (from approx 400 to 800). Three years on and her insurance is back to what it was before.

Have to say this annoyed me a bit reading this, assuming she was at fault which is point of view of insurance, she should be paying a significant amount more.

I know there is another thread about it and don't want to drag off topic but here I am paying a premium because I drive an older car and someone who has crashed is within a few years paying no premium, it really makes no sense.

OP I know what you mean I'd feel a bit bad if someone is genuinely sorry but at the end of the day they crashed and that is what insurance is for.

CJhaughey

I'll posit a different scenario.
Same woman rear ends a motorcyclist, Rider is paralysed.
Would you feel the same way?

CiniO

9935452 wrote: »

Slightly wrong there . Even with full no claims protection the premium would never stay the same after having an accident.
When they reaccess her situation, she is a higher risk because she had an accident so the basic figure will go up.
There is a reason insurance companys ask for both years no claims and have you had an accident/claim in the last 5 years

Few years back my wife crashed my car and I had to claim for it (total write off) from my comprehensive policy. I had 50% NCB with full protection and my premiem was not affected on next renewal. It was even slightly lower.

Voodoomelon

cruizer101 wrote: »

Have to say this annoyed me a bit reading this, assuming she was at fault which is point of view of insurance, she should be paying a significant amount more.

I know there is another thread about it and don't want to drag off topic but here I am paying a premium because I drive an older car and someone who has crashed is within a few years paying no premium, it really makes no sense.

OP I know what you mean I'd feel a bit bad if someone is genuinely sorry but at the end of the day they crashed and that is what insurance is for.

Believe me, it annoyed me too. Mid twenties, female, small car, seem to have all the luck. I know if it was me i'd be paying thousands.