Comp claims!

shugy

My wife is from the north but living here for a few years and she was involved in a car accident recently, hit from the back side. The other party admired liability straight away.

Shes been told that if we move back up north before its settled, she will only get what whiplash cliams are worth up there which could be as little as 15% of what shed get down here. I for one think this is a total fabrication from her friends brain but she's adamant it's true.

Another fabrication we think she's saying is that here(if we stay), my wife will get no less than 15k euro for her injuries, if this is true, I think its an outrageous sum of money because even thou she did receive injuries, 15k upwards does sound very rewarding for such an injury.

There was another person in the car who is actually from the north, and alougth she hasn't put a claim in, she's strongly thinking about it, because she too was bad with whiplash and back pain. She's the type not to want the other driver to be punished for crashing into them. Shes been told by the same person that'll shell only get 2k sterling max.

We know nothing about personal injury claims because we've never been through anything like this before, but can someone clear this up and put our mind at ease instead of this nonsense were hearing from other people who's heard it from others!

5W30

Well if they do pay less when you move to the North then so be it. It just means medical treatment is cheaper there. Why are you more worried about the payout amount than the health of your wife?

biko

We can't give legal advice here but I suggest your wife speaks to her insurer. They will know the ins and outs of the industry.

shugy

5W30 wrote: »

. Why are you more worried about the payout amount than the health of your wife?

Why does it seem I'm not worried about my wife's health. I'm came here asking advice on her compo claim. I didn't know I needed to disclose this for your need. And as for why am I worried about it, no worries here, its just my wife asked me to post this however if you think I'm hear because of a lust for money, your wrong. All we ask is for the questions in the OP to be and erred, nothing else. If you or others have a problem with my OP, please refrain from posting because you'll just spiral this thread to one that won't get the right questions answered.

shugy

biko wrote: »

We can't give legal advice here but I suggest your wife speaks to her insurer. They will know the ins and outs of the industry.

OK, forget the legal advice but we want to know are these stories of 15k plus true or a fabrication of someone telling porkies.

Liam McPoyle

If the accident happened in the south then it will be governed by the laws of the land in the south, regardless of whether ye move back to NI or not.

Whiplash claims in ROI are massively inflated in comparison to the UK.

alias no.9

I know nothing about the significance of the jurisdiction a person is living in at the time of the claim. The PIAB do however publish ranges within which compensation awards can be expected to be, on their website.

George Dalton

And people wonder why insurance is so expensive in this country....

OldMrBrennan83

This post has been deleted.

colm_mcm

The fault is in the system George, there's not many people would refuse €15k if it's handed on a plate to them.

Manure

A bit of a bruise is worth 10k all day long.

kennM

shugy wrote: »

OK, forget the legal advice but we want to know are these stories of 15k plus true or a fabrication of someone telling porkies.

Porkies and getting a duff steer...

As mentioned, if you've an accident in the south you are bound by the laws/regulations of the south... unless the claim is issued up North.

€15,000 for whiplash would be very high. Every injury is evaluated on it's merit/severity/impact/length of time suffering/long term implications. I was in a serious accident years back and did plenty of research around injuries etc. I would speculate in the €5K - €10K range if symptoms have gone away in 6 - 12 months (subject to many factors though)

NOTE: I am not a legal professional nor from the insurance companies so take my opinions accordingly!

George Dalton

colm_mcm wrote: »

The fault is in the system George, there's not many people would refuse €15k if it's handed on a plate to them.

People get the system they deserve IMO. That's why we have so many "Irish" systems. That's a whole other discussion though

Atlantic Dawn

shugy wrote: »

There was another person in the car who is actually from the north, and alougth she hasn't put a claim in, she's strongly thinking about it, because she too was bad with whiplash and back pain. She's the type not to want the other driver to be punished for crashing into them. Shes been told by the same person that'll shell only get 2k sterling max.

They are either injured or they are not, it's not a gameshow where they are playing for cash, or is it?

Liam McPoyle

Patww79 wrote: »

It's Ireland. It would be expensive no matter what, so it's hard to turn down a lump when you've had years if being robbed.

.

And there is exactly what's wrong with insurance in Ireland, people have a sense of entitlement and an attitude of ah shure I've earned my payout.

Then they will bitch and moan about their premiums going up.

Atlantic Dawn

Business Cat wrote: »

And there is exactly what's wrong with insurance in Ireland, people have a sense of entitlement and an attitude of ah shure I've earned my payout.

Then they will bitch and moan about their premiums going up.

I think though there's 2 sides to it, I know of people who didn't make what I would consider reasonable claims to cover their expenses incurred as a result of being crashed in to by another driver and were rode by the guilty party's insurers, then later on in their motoring life were at the other end where they had a crash as a result of their fault and they see the absolute piss being taken in the claim on personal injury. From my point of view with horror stories if I was ever hit by another driver in any way with me in the clear the car would be sitting on my driveway and I would rent a similar car and leave their insurance company at it for as long as they like and would then reclaim my costs, I wouldn't play easy ball in any way. Personal injuries I would be 100% true on.

Vic_08

Business Cat wrote: »

And there is exactly what's wrong with insurance in Ireland, people have a sense of entitlement and an attitude of ah shure I've earned my payout.

Then they will bitch and moan about their premiums going up.

In a country full of cute hoors you have two options; join them or get shafted.

Playing by the rules gets you nowhere in Ireland, never has. The only real rule is to know which troughs are full and stick your snout in as quick as possible before everyone else gets their fill.

Boskowski

So I can stick my snout in the trough and claim I'm not a pig. I simply have to do what needs to be done to keep up with all the other pigs.

Is that how people twist it in their heads so that they can ignore the fact they're engaging in insurance fraud which is a criminal activity and in fact, yes, they are one of the pigs?

On top of that then you have all those slipping' Jimmy lawyer types who actually encourage this. After all if you get a 15k pay out they get about another 7 or 8k for themselves. Happy days for everyone!

I wouldn't be one for moralising usually but that is disgusting.

To Elland Back

Vic_08 wrote: »

In a country full of cute hoors you have two options; join them or get shafted.

Playing by the rules gets you nowhere in Ireland, never has. The only real rule is to know which troughs are full and stick your snout in as quick as possible before everyone else gets their fill.

Karma, it can be a bitch you know

Coopaloop

If the accident happened in the south then the claim will be bound by the laws of the Republic of Ireland. Check your insurance policy,or ring your insurance company to find out if you have legal expenses added onto your policy for motor legal protection,if you do,call them,they will offer advice and assistance and take you through the injuries board process from start to finish.

Cabaal

Vic_08 wrote: »

In a country full of cute hoors you have two options; join them or get shafted.

Playing by the rules gets you nowhere in Ireland, never has. The only real rule is to know which troughs are full and stick your snout in as quick as possible before everyone else gets their fill.

and this is exactly why we have a political system that people bitch and moan about, nothing changes because of this sort of mindset.

Is it any wounder we have a compo culture the same,
:rolleyes:

fro9etb8j5qsl2

And then people who have geniune life debilitating injuries due to the negligence of others get tarred with the same dirty claim brush :mad:

biko

Ok, we'll stop here
OP, speak to legal aid or the insurer.

Everyone, be the change that you want to see in the world.