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Car insurance claim question

  • 21-12-2015 10:45am
    #1
    Brian2011
    Registered Users, Registered Users 2 Posts: 440 ✭✭


    If you have comprehensive cover, and you are involved in a car accident where both vehicles are damaged, and you are not at fault for causing the accident, do you call your own insurance company or the other person's insurance company to claim off their insurance? And then if you are at fault? :confused:


Comments

  • #2
    bazz26
    Registered Users, Registered Users 2 Posts: 51,360 ✭✭✭✭bazz26


    It is always recommend to inform your insurance company of any accident you are involved in no matter whether you are the liable party or not. Also your insurance company should advise you on the next course of action with regarding making a claim against someone else. This is part of why you pay them for their services.


  • #3
    To Elland Back
    Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    You MUST inform your own insurer of an incident, regardless of blame. It is in your terms and conditions

    If you are not at fault, you have 2 options

    1) You process your own damages (not injuries) under your own policy. You pay the policy excess and receive the net cost of your repairs. Your own insurer then seeks to recover their outlay from the 3rd party and (if successful) the claim paid is removed from your record. As part of their process of recovery, your insurers will 'tag on' your uninsured losses such as your policy excess, car hire etc and will pass these back to you when/if received

    2) You claim directly from the 3rd party for your damages and/or injuries. Your insurer does not provide this service to you, as they have not acquired any right to do so without 1st providing you with compensation under your own policy. You must do this personally, or engage a solicitor to act on your behalf. Some brokers do this for their larger clients


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