Crash

Paddytheman

Sorry I know this has been asked so much but all the threads I read are a bit different.

Went into the back/side of a car this morning, called guards, he said he was fine and was bringing his car to his garage for quote.

Asked me if I wanted to go through insurance or not, I told him depending on what the costs are so he's to get back to me.

Do I need to report to my insurance at this stage?

biko

Check your insurers directions, they may be on their website like https://www.allianz.ie/car-insurance/faqs/what-do-i-do-if-i-have-an-accident/

In this case you may want settle outside of insurance but be warned that it may not be the end of it if the other driver decides to pursue it further for whiplash or such in a few months.

Eggs For Dinner

You must report the matter to your insurer and my advice is to never try and settle any claim privately. It only brings hardship

McCrack

You should always notify your own insurer of an accident where you are at fault or possibly at fault for the accident

Eggs For Dinner

McCrack wrote: »

You should always notify your own insurer of an accident where you are at fault or possibly at fault for the accident

Are you still re-writing specific policy conditions. You have to notify your insurer of all incidents which MAY give rise to a claim, regardless of liability.

Read your policy document

coylemj

Paddytheman wrote: »

Went into the back/side of a car this morning, called guards, he said he was fine and was bringing his car to his garage for quote.

He has the whole weekend to be reminded by his high stool friends about the easy money that is a whiplash claim in Ireland. And that's even before he presents you with an inflated 'estimate' from his friendly garage.

There is a serious risk in handing him money because he could come back with a claim for personal injury and/or you could discover that you caused damage to the steering or suspension of your car. If you do end up handing this to your insurance, any money that you paid him will be money down the drain.

colm_mcm

You might have bonus protection or step back protection on your policy.

corks finest

Very good point

Paddytheman

colm_mcm wrote: »

You might have bonus protection or step back protection on your policy.

He is going through his insurance as he needs a courtesy car for his work, same insurance company as me. So the "Step back protection" will mean going from 75% - 60% discount, I guess if I currently pay €500 odd this will increase to €800 odd.

Regarding claims, if say his repairs cost €3000 does this hit me as an extra €300 a year in premiums for X amount of years or would there be a larger payment due, I hear of "loading" a lot?

Appreciate any advice...