Insurance Details

jt69er · 30-09-2018 11:56am #1

Hi, my partner while parking her car brushed off another parked car and scratched its bumper. She located car owner and admitted liability and said she would pay for repair when a quote was obtained. Car owner got quote from local garage, €300, so I contacted garage owner and made arrangements to pay him for repair. However car owner is now insisting we hand over insurance details saying this is the correct procedure. Just wondering are we obliged to hand over details even though we do not intend to use our insurance in this case for the sum of €300.

Eggs For Dinner · 30-09-2018 12:09pm

Pay it, or the other party will contact your insurer and lodge a claim

jt69er · 30-09-2018 12:38pm

Eggs For Dinner wrote: »

Pay it, or the other party will contact your insurer and lodge a claim

We intend to pay it, but don't feel the need to use insurance for 300 euro.

Eggs For Dinner · 30-09-2018 1:08pm

He is probably looking for your insurance details in case you renege on payment. Parties to an accident are obliged to swap insurance details

Fakediamond · 30-09-2018 7:49pm

This exact scenario happened to me about 2 years ago.
The couple whose car I damaged arrived just after it happened. After the shock of seeing how I had trashed the bumper of their almost brand new car, they were nice enough. I gave them my name and number and took theirs too. I asked them to get a quote and promised to pay.

Anyway, he took car to his garage next day, got quote of €1,000, and he agreed that I could pay the garage directly. I rang garage, got it down to €900 and paid immediately. Never heard from them again. No insurance details were exchanged, as far as I can remember. Be wary that they might be trying to get more money out of you.

jt69er · 30-09-2018 9:44pm

Fakediamond wrote: »

This exact scenario happened to me about 2 years ago.
The couple whose car I damaged arrived just after it happened. After the shock of seeing how I had trashed the bumper of their almost brand new car, they were nice enough. I gave them my name and number and took theirs too. I asked them to get a quote and promised to pay.

Anyway, he took car to his garage next day, got quote of €1,000, and he agreed that I could pay the garage directly. I rang garage, got it down to €900 and paid immediately. Never heard from them again. No insurance details were exchanged, as far as I can remember. Be wary that they might be trying to get more money out of you.

That's what I don't want to happen! This is a 03 car and now the owner doesn't want to get the job done in the garage where she got the original quote!

Fakediamond · 30-09-2018 10:03pm

jt69er wrote: »

That's what I don't want to happen! This is a 03 car and now the owner doesn't want to get the job done in the garage where she got the original quote!

Why? An 03, are u kidding? The car I hit wasn’t even a year old so I felt really bad and had no problem honouring an honest quote. Someone is making trouble here, probably trying to get more out of you with an inflated quote and she gets to pocket the difference. An honest person would surely just be grateful to be getting it fixed!

jt69er · 30-09-2018 10:39pm

Fakediamond wrote: »

jt69er wrote: »

That's what I don't want to happen! This is a 03 car and now the owner doesn't want to get the job done in the garage where she got the original quote!

Why? An 03, are u kidding? The car I hit wasn’t even a year old so I felt really bad and had no problem honouring an honest quote. Someone is making trouble here, probably trying to get more out of you with an inflated quote and she gets to pocket the difference. An honest person would surely just be grateful to be getting it fixed!

Giving us serious hassle even though we are making every effort to sort it out.

lawred2 · 30-09-2018 10:42pm

jt69er wrote: »

That's what I don't want to happen! This is a 03 car and now the owner doesn't want to get the job done in the garage where she got the original quote!

I'd be surprised if the entire car was worth the repair bill

Fakediamond · 30-09-2018 10:45pm

lawred2 wrote: »

I'd be surprised if the entire car was worth the repair bill

Good point, offer to buy it from her for €300

Eggs For Dinner · 01-10-2018 6:06am

OP, the other party doesn't even have to get their car fixed. €300 is nothing for any level of repair. Pay it, get a satisfaction note signed and move on.

CiniO · 01-10-2018 6:36am

I suspect that main reason for the whole issue is that op intends to pay this 300 to the garage instead of directly to person they hit.

jt69er · 01-10-2018 7:49am

Eggs For Dinner wrote: »

OP, the other party doesn't even have to get their car fixed. €300 is nothing for any level of repair. Pay it, get a satisfaction note signed and move on.

If you read my posts I have always intended to pay for repairs. Other party keeps making it difficult.

jt69er · 01-10-2018 7:50am

CiniO wrote: »

I suspect that main reason for the whole issue is that op intends to pay this 300 to the garage instead of directly to person they hit.

Exactly!

_Brian · 01-10-2018 8:01am

Pay them the money directly and be done with it, why wouldn’t you hand the money over to them??

CiniO · 01-10-2018 8:13am

jt69er wrote: »

Exactly!

Then I'd say pay directly to the person.
What difference does it make to you. It's 300 euros for you anyway no matter who you pay it to.

Other person have right to request your insurance details and they can claim from your policy and possibly they might even get more compensation from them. You'll on the other hand probably end up much worse in that case

Eggs For Dinner · 01-10-2018 8:48am

CiniO wrote:

I suspect that main reason for the whole issue is that op intends to pay this 300 to the garage instead of directly to person they hit.

Which is not their right

Eggs For Dinner · 01-10-2018 8:52am

jt69er wrote:

If you read my posts I have always intended to pay for repairs. Other party keeps making it difficult.

I have read your posts and I genuinely think you are inviting hardship on yourself. If you have caused â‚¬300 worth of damage to the other person's vehicle, they are entitled to take this money and spend it on jelly beans if they so wish

NUTLEY BOY · 01-10-2018 10:43am

A few thoughts.

It is unclear if this accident occurred in a public place or a private car park.
If a public place OP is obliged to furnish a number of particulars including insurance.
It is a breach of contract to fail to report something like this to your insurers.
It is a breach of contract to negotiate directly with third parties.
Technically, if this happened in a public place, it is also an RTA offence not to report it to insurers.
Even though this may settle outside of insurance the accident is declarable at renewal or if seeking a quote from another insurance company. Failure in this respect is non-disclosure of a material fact and can lead to a policy being voided if discovered.

Generally speaking, OP seems to have been able to effect a satisfactory practical resolution and I hope that it works out. However, these private arrangements are fraught with difficulty and some can turn sour very quickly. It is always preferable to hand it over to your insurer to protect yourself especially if you are unlucky to encounter an unscrupulous article.

jt69er · 01-10-2018 1:29pm

NUTLEY BOY wrote: »

A few thoughts.
It is unclear if this accident occurred in a public place or a private car park.
If a public place OP is obliged to furnish a number of particulars including insurance.

It is a breach of contract to fail to report something like this to your insurers.

It is a breach of contract to negotiate directly with third parties.

Technically, if this happened in a public place, it is also an RTA offence not to report it to insurers.

Even though this may settle outside of insurance the accident is declarable at renewal or if seeking a quote from another insurance company. Failure in this respect is non-disclosure of a material fact and can lead to a policy being voided if discovered.

Generally speaking, OP seems to have been able to effect a satisfactory practical resolution and I hope that it works out. However, these private arrangements are fraught with difficulty and some can turn sour very quickly. It is always preferable to hand it over to your insurer to protect yourself especially if you are unlucky to encounter an unscrupulous article.

Have informed my insurance and have opened a case file. File will be closed on my instruction when it is concluded satisfactorily.

rock22 · 01-10-2018 5:18pm

jt69er wrote: »

Have informed my insurance and have opened a case file. File will be closed on my instruction when it is concluded satisfactorily.

It is more likely that the file will be closed by the insurance company when they decide, i.e. probably after 7 years.
It is not clear why you are making this so difficult for yourself. If the other party wanted payment directly they are entitled to that. The insurance company will now have to pay them directly and it will likely cost you more than €300 in terms of higher premiums.

STB. · 01-10-2018 5:45pm

jt69er wrote: »

Have informed my insurance and have opened a case file. File will be closed on my instruction when it is concluded satisfactorily.

YOUR insurance company don't even have to bother contacting you to tell you that they have settled a claim!

You will know all about it when your renewal comes around.

whippet · 01-10-2018 5:53pm

jt69er wrote: »

Have informed my insurance and have opened a case file. File will be closed on my instruction when it is concluded satisfactorily.

A lot of naievity shown in this post.

You can be sure you will pay multiples of the €300 in increased insurance premiums in the future

Eggs For Dinner · 02-10-2018 11:25am

STB. wrote:

YOUR insurance company don't even have to bother contacting you to tell you that they have settled a claim!

They do! Under Consumer Protection Code your insurer is obliged to advise you if a claim is lodged by a 3rd party, when liability is decided, when a payment is made and when a claim is settled

ELM327 · 02-10-2018 11:31am

STB. wrote: »

YOUR insurance company don't even have to bother contacting you to tell you that they have settled a claim!

You will know all about it when your renewal comes around.

Eggs For Dinner wrote: »

They do! Under Consumer Protection Code your insurer is obliged to advise you if a claim is lodged by a 3rd party, when liability is decided, when a payment is made and when a claim is settled

They will tell you after the fact, and hold you over a barrel for years with "an open claim" meaning OP will pay closer to 10 times the 300€ in increased premia and inability to shop around

Eggs For Dinner · 02-10-2018 10:05pm

ELM327 wrote:

They will tell you after the fact, and hold you over a barrel for years with "an open claim" meaning OP will pay closer to 10 times the 300â‚¬ in increased premia and inability to shop around

They can hardly tell you if liability has been decided before it has. I think there might also be a slight exaggeration in saying an insurer might keep a claim 'open' for years over a â‚¬300 claim. You do realise that the main reason an insurer keeps a claim open is because they believe you are in the right and are defending you against a claimant they consider has no merit? Would you prefer they just pay out on any allegation made against you and stick the amount down on your claims experience?

STB. · 03-10-2018 6:59am

Eggs For Dinner wrote: »

They can hardly tell you if liability has been decided before it has. I think there might also be a slight exaggeration in saying an insurer might keep a claim 'open' for years over a €300 claim. You do realise that the main reason an insurer keeps a claim open is because they believe you are in the right and are defending you against a claimant they consider has no merit? Would you prefer they just pay out on any allegation made against you and stick the amount down on your claims experience?

They tell you after they have settled as ELM327 has pointed out.

There are countless threads on this very subject. They can settle without your consent AND do. No claims bonus gone.

And the main reason an insurer keeps a claim open is that they are weighing which would be more costly. Go to court or settle. They dont give a shít about anything else including whether you were right or wrong.

https://www.axa.ie/help/question/settling-claim-without-agreement/

Eggs For Dinner · 03-10-2018 7:52am

STB. wrote: »

They tell you after they have settled as ELM327 has pointed out.

There are countless threads on this very subject. They can settle without your consent AND do. No claims bonus gone.

And the main reason an insurer keeps a claim open is that they are weighing which would be more costly. Go to court or settle. They dont give a shít about anything else including whether you were right or wrong.

https://www.axa.ie/help/question/settling-claim-without-agreement/

I never said that they dont have the right to settle a claim as they deem appropriate. They are obliged to tell you a claim has been lodged against you, they are obliged to tell you when liability has been decided, they are obliged to tell you when any interim payments are made and they are obliged to tell you when the matter is settled.

Insurers must tell you of these developments as they occur, not at the end of the claim. In my experience, the main dissatisfaction people have with this process is when they KNOW they were not at fault for an accident, but the circumstances cannot be PROVEN, such as no witness, no dashcam and each party sticking to a totally different version of events. You can't spend 10's of thousands going to the High Court on the basis of "he said, she said". Insurers settle when they have no other option and compromise is usually the outcome

STB. · 03-10-2018 5:57pm

Eggs For Dinner wrote: »

I never said that they dont have the right to settle a claim as they deem appropriate. They are obliged to tell you a claim has been lodged against you, they are obliged to tell you when liability has been decided, they are obliged to tell you when any interim payments are made and they are obliged to tell you when the matter is settled.

Insurers must tell you of these developments as they occur, not at the end of the claim. In my experience, the main dissatisfaction people have with this process is when they KNOW they were not at fault for an accident, but the circumstances cannot be PROVEN, such as no witness, no dashcam and each party sticking to a totally different version of events. You can't spend 10's of thousands going to the High Court on the basis of "he said, she said". Insurers settle when they have no other option and compromise is usually the outcome

No, This is the reality.

Insurance companies

do not have an obligation to inform you of the outcome of a claim made against you and
can agree a settlement without your knowledge or consent.

SOURCE https://www.ccpc.ie/consumers/money/insurance/making-an-insurance-claim/

Eggs For Dinner · 03-10-2018 6:25pm

STB. wrote: »

No, This is the reality.

Insurance companies
do not have an obligation to inform you of the outcome of a claim made against you and

can agree a settlement without your knowledge or consent.

SOURCE https://www.ccpc.ie/consumers/money/insurance/making-an-insurance-claim/

The code you linked re-states what I said. You have no say in how they handle a claim, They must advise you of developments as they occur and must tell you when it is settled

STB. · 03-10-2018 6:29pm

Eggs For Dinner wrote: »

The code you linked re-states what I said. You have no say in how they handle a claim, They must advise you of developments as they occur and must tell you when it is settled

The text on the CPCC website is clear. The summary I bullet pointed is taken verbatim. Ill restate it for you.

Insurance companies

do not have an obligation to inform you of the outcome of a claim made against you and
can agree a settlement without your knowledge or consent.

Eggs For Dinner wrote: »

They do! Under Consumer Protection Code your insurer is obliged to advise you if a claim is lodged by a 3rd party, when liability is decided, when a payment is made and when a claim is settled

GM228 · 03-10-2018 7:56pm

STB. wrote: »

The text on the CPCC website is clear. The summary I bullet pointed is taken verbatim. Ill restate it for you.

Insurance companies
do not have an obligation to inform you of the outcome of a claim made against you and

can agree a settlement without your knowledge or consent.

What is written on the CPCC site is an obvious typo (it actually contradicts itself if you read other parts), they must inform you of the outcome of the claim at the time in writing detailing the settlement and how it may affect you in the future. It is a very specific requirement of the Consumer Protection Code 2012.

OldMrBrennan83 · 03-10-2018 8:04pm

I'd say this shower want the €300 and then lodge a claim against you anyway.

Whatever about that you should never have told your insurance though.

Eggs For Dinner · 03-10-2018 8:59pm

Patww79 wrote: »

Whatever about that you should never have told your insurance though.

It is a condition of every insurance contract that you do.

OldMrBrennan83 · 03-10-2018 9:01pm

Eggs For Dinner wrote: »

It is a condition of every insurance contract that you do.

In that respect they should have, but they really shouldn't have. It'll cost them an absolute fortune apart from the actual €300 repair.

hullaballoo · 04-10-2018 8:19am

Not telling their insurers would be complete idiocy. Insurance companies will look for any reason, any slight technicality to avoid their obligations and they'll tell you non reporting is a serious breach of contract, whether it is or not.

If they do so, your avenues for resolving the issue are expensive or useless or both.

If they put your premium up or if you suspect they have due to your having notified of a potential claim that goes nowhere, you have plenty of recourse to other insurance companies for cover.

OldMrBrennan83 · 04-10-2018 8:46am

hullaballoo wrote: »

Not telling their insurers would be complete idiocy. Insurance companies will look for any reason, any slight technicality to avoid their obligations and they'll tell you book reporting is a serious breach of contract, whether it is or not.

If they do so, your avenues for resolving the issue are expensive or useless or both.

If they put your premium up or if you suspect they have due to your having notified of a potential claim that goes nowhere, you have plenty of recourse to other insurance companies for cover.

Other companies that will have all the details and charge you to the hilt too. There is so much naivety about insurance with a lot of people.

GM228 · 04-10-2018 3:27pm

Patww79 wrote: »

Other companies that will have all the details and charge you to the hilt too. There is so much naivety about insurance with a lot of people.

If a potential claim was only €300 (or whatever amount) and you pay as opposed to your insurer this should not be held against you and no resulting loading.

Insurance Details

Comments