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RTA Claim

13

Comments

  • Registered Users Posts: 154 ✭✭dizbo


    Latest update as of March 2021 (almost 3 years now).

    Solicitor “has served legal proceedings and awaits an appearance from the solitons instructed by the insurers”. So I’m presuming that means it’s been sent off to go to court?

    I’m still not sure what exactly is happening, what the solicitor is looking for (money wise/damages). I haven’t even discussed compensation. All I know is we rejected the €600 odd they where giving towards fixing the car as it was less than half the cost it was to fix it and he is claiming for personal injury. For how much who knows. Just want it all gone at this stage.

    By the way, I still have issues with my knees every now and again and have been trying to keep some form of log.


  • Registered Users Posts: 11,758 ✭✭✭✭BattleCorp


    dizbo wrote: »
    By the way, I still have issues with my knees every now and again and have been trying to keep some form of log.

    If you are having trouble with your knees still, you need to see your GP and mention this to your solicitor too. It's medical records that the courts are interested in, not personal logs. Your solicitor may want to send you to a specialist.


  • Registered Users Posts: 154 ✭✭dizbo


    BattleCorp wrote: »
    If you are having trouble with your knees still, you need to see your GP and mention this to your solicitor too. It's medical records that the courts are interested in, not personal logs. Your solicitor may want to send you to a specialist.

    Being honest with Covid I haven’t gone to the doctor at all. I just feel there is more serious stuff for doctors to have appointments for than me with a sore knee which he will probably just prescribe a paracetamol or something. Just don’t want to be taking up their time with mediocre issues.


  • Registered Users Posts: 11,758 ✭✭✭✭BattleCorp


    dizbo wrote: »
    Being honest with Covid I haven’t gone to the doctor at all. I just feel there is more serious stuff for doctors to have appointments for than me with a sore knee which he will probably just prescribe a paracetamol or something. Just don’t want to be taking up their time with mediocre issues.

    If I take you at your word, you are suffering for about three years now. It's not a mediocre issue. Get it seen to and treated, and let the solicitor know so this will then become part of your claim. Suffering in silence is no use when you are pursuing a personal injury claim.


  • Registered Users Posts: 2,886 ✭✭✭Eggs For Dinner


    If your health is suffering, you need to think about yourself first. Probably overhyped that Covid has resulted in all other medical issues taking a back seat.


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  • Registered Users Posts: 24,647 ✭✭✭✭punisher5112


    Go get physio on it.

    Keep receipts.

    Best thing you will ever do and they can advise as to if they can help or not.

    I've done it and at least can walk a lot better for it. Bad days still but much improved.

    Please tell me you are using the car!!!! I certainly hope you aren't still paying storage or was that the plan.

    You need to get onto your doctor and solicitor and make aware as mentioned above.
    You really need to take care.


  • Registered Users Posts: 154 ✭✭dizbo


    Go get physio on it.

    Keep receipts.

    Best thing you will ever do and they can advise as to if they can help or not.

    I've done it and at least can walk a lot better for it. Bad days still but much improved.

    Think I’ll go down that route. Probably better option than the doctor


  • Registered Users Posts: 24,647 ✭✭✭✭punisher5112


    dizbo wrote: »
    Think I’ll go down that route. Probably better option than the doctor

    Have you sorted car? If not leaving it sitting is madness and payng storage


  • Registered Users Posts: 154 ✭✭dizbo


    Have you sorted car? If not leaving it sitting is madness and payng storage

    Nope. It’s gone completely mouldy an all inside now too. I’ve got a little bit of room at the parents house so getting it delivered there and going to try sort it myself.


  • Registered Users Posts: 24,647 ✭✭✭✭punisher5112


    dizbo wrote: »
    Nope. It’s gone completely mouldy an all inside now too. I’ve got a little bit of room at the parents house so getting it delivered there and going to try sort it myself.

    I can't understand why you left it, get it fixed keep receipts and put these all to solicitor.

    Madness leaving a good car to deteriorate like that.
    If money is tight see can you get cu loan and drive it.
    If you sell you most likely won't recoup any damages from the crash as they will want to know if you still have it.


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  • Registered Users Posts: 154 ✭✭dizbo


    I can't understand why you left it, get it fixed keep receipts and put these all to solicitor.

    Madness leaving a good car to deteriorate like that.
    If money is tight see can you get cu loan and drive it.
    If you sell you most likely won't recoup any damages from the crash as they will want to know if you still have it.

    Honestly. I bought an other car for a few hundred which has done me so I haven’t been pushed about getting it fixed. It does annoy me but I thought it would have been settled after a year/18 months.


  • Registered Users Posts: 24,647 ✭✭✭✭punisher5112


    dizbo wrote: »
    Honestly. I bought an other car for a few hundred which has done me so I haven’t been pushed about getting it fixed. It does annoy me but I thought it would have been settled after a year/18 months.

    Remind me what is it, if not using fix and sell... Pure madness what way you have done it.

    Makes no sense


  • Registered Users Posts: 154 ✭✭dizbo


    Remind me what is it, if not using fix and sell... Pure madness what way you have done it.

    Makes no sense

    Along with the rear bumper/brackets an internal heater matrix was damaged somehow. Broke some sort of seal. To repair it, it’s a full dash out.


  • Registered Users Posts: 24,647 ✭✭✭✭punisher5112


    dizbo wrote: »
    Along with the rear bumper/brackets an internal heater matrix was damaged somehow. Broke some sort of seal. To repair it, it’s a full dash out.

    Sell it on then if you ain't fix, the rear wouldn't bother me at all....

    Car I have is smashed on both sides at front, it's driving so I'll keep her lit.


  • Registered Users Posts: 154 ✭✭dizbo


    Sell it on then if you ain't fix, the rear wouldn't bother me at all....

    Car I have is smashed on both sides at front, it's driving so I'll keep her lit.

    Yeah the rear doesn’t bother me. It’s actually only about €300 to get that fixed. The big part of the claim the day to two day labour to remove the dash. The garage even said to fix the actual damage wouldn’t even take 30 seconds. It’s literally just where it is you can’t access it without removing the dash.

    I actually went over the other day and just unhooked the pipes (under the bonnet) and joined them together after a suggestion from someone recently and it’s done the job. But it’ll never get any heat inside the cabin as no water going trough the heater. So as I have it temporarily up and going I’m going to bring it over to the parents and start cleaning it up and get her gone.

    Thought this would have been well settled by now. Surely your ones insurance is costing her a fortune too as there is an open case. You think she’d want it done too


  • Registered Users Posts: 11,758 ✭✭✭✭BattleCorp


    dizbo wrote: »
    Think I’ll go down that route. Probably better option than the doctor

    You should speak to your solicitor and get them to organise for you to see a consultant. They might be able to recommend a suitable consultant who can offer a prognosis and maybe advise on a treatment etc. Plus a consultant's report is viewed more favourably than a local physio, no disrespect meant to physios.

    If you go years without getting physio and treatment and don't do anything about it, you will be asked to explain why you didn't try to mitigate your losses (by seeking prompt medical attention).

    If you settle your claim and still have knee pain afterwards, then too bad. You only get one crack at getting compensation so if you agree and settle, and after that it turns out you need an operation on your knee, guess who isn't paying for it......the insurance company.


  • Registered Users Posts: 11,758 ✭✭✭✭BattleCorp


    dizbo wrote: »
    Surely your ones insurance is costing her a fortune too as there is an open case. You think she’d want it done too

    She has no say in what happens. It's her insurers who are running the show.


  • Registered Users Posts: 154 ✭✭dizbo


    BattleCorp wrote: »
    She has no say in what happens. It's her insurers who are running the show.

    But if it where me I’d be wanting them to close the case ASAP as with open insurance claims your insurance goes up etc.... or at least that’s what I thought as I had to claim on my own insurance a back in 2012 when someone ran my wife off the road and kept going. Was a nightmare getting renewals due to open case. Luckily that was sorted after 6 months. No injuries lucky enough other than a dislocated shoulder. And the cars axel was bent. But my insurance was due for renewal and they where massive cause of the open claim.


  • Registered Users Posts: 3,623 ✭✭✭Wildly Boaring


    But she has no control over closing it.

    We had a claim last year.
    Wife at fault.

    Could not even get an update at times from insurer.
    Just bland "We'll let you know when there's an update" or "it's with their insurer"

    Of course she wants it closed. She is stuck with current insurers indefinitely and whatever premium they decide until it is.

    I still cannot believe you have a depreciating asset sitting moulding away. Is your solicitor advising you at all? Can you not cut your losses and sell at this stage?


  • Registered Users Posts: 154 ✭✭dizbo


    But she has no control over closing it.

    We had a claim last year.
    Wife at fault.

    Could not even get an update at times from insurer.
    Just bland "We'll let you know when there's an update" or "it's with their insurer"

    Of course she wants it closed. She is stuck with current insurers indefinitely and whatever premium they decide until it is.

    I still cannot believe you have a depreciating asset sitting moulding away. Is your solicitor advising you at all? Can you not cut your losses and sell at this stage?

    I’m going to start getting it ready to sell there now. I’m going to attempt to fix it myself. Have all the equipment to clean it and the machine so that’s a days work. Just waiting on a nice day to do it so the mould doesn’t bother me that much.


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  • Registered Users Posts: 154 ✭✭dizbo


    dizbo wrote: »
    I’m going to start getting it ready to sell there now. I’m going to attempt to fix it myself. Have all the equipment to clean it and the machine so that’s a days work. Just waiting on a nice day to do it so the mould doesn’t bother me that much.

    Some pics.


  • Registered Users Posts: 3,623 ✭✭✭Wildly Boaring


    dizbo wrote: »
    I’m going to start getting it ready to sell there now. I’m going to attempt to fix it myself. Have all the equipment to clean it and the machine so that’s a days work. Just waiting on a nice day to do it so the mould doesn’t bother me that much.

    Good stuff
    Unfortunately the insurance industry is stacked against us.

    All you can do is be proactive.
    I would consult solicitor regarding the injuries and treatment.
    Doctors etc are empty these days and very happy to see people


  • Registered Users Posts: 154 ✭✭dizbo


    dizbo wrote: »
    Some pics.
    Not showing up on my phone so not sure if they attached correctly.
    Good stuff
    Unfortunately the insurance industry is stacked against us.

    All you can do is be proactive.
    I would consult solicitor regarding the injuries and treatment.
    Doctors etc are empty these days and very happy to see people

    Advice taken on board. Thanks all.


  • Registered Users Posts: 6,365 ✭✭✭iwillhtfu


    Parts of this story make no sense.

    Why did the insurance agree to pay only half? they obviously thought you were partially responsible as usually being hit from behind is a cut and dried claim.

    From what I've read you've left a car go to ruin because of a leak from what I can see you could've repaired. Also continued to pay a storage fee which I hope you have receipt of and wasn't a cash in hand job as you'll get nothing back without receipts.

    You've also left an apparent limiting injury go untreated for three years. I'd have thought a motorbike would be more difficult to drive with the injuries your describe.

    I've no reason to doubt you but looking at it as a whole it's hard not to wonder how truthful you're being.


  • Registered Users Posts: 154 ✭✭dizbo


    iwillhtfu wrote: »
    Parts of this story make no sense.

    Why did the insurance agree to pay only half? they obviously thought you were partially responsible as usually being hit from behind is a cut and dried claim.

    From what I've read you've left a car go to ruin because of a leak from what I can see you could've repaired. Also continued to pay a storage fee which I hope you have receipt of and wasn't a cash in hand job as you'll get nothing back without receipts.

    You've also left an apparent limiting injury go untreated for three years. I'd have thought a motorbike would be more difficult to drive with the injuries your describe.

    I've no reason to doubt you but looking at it as a whole it's hard not to wonder how truthful you're being.

    I can’t say why the insurance company only offered to pay half the cost. I just got the offer from the solicitor and I rejected as that wasn’t what is was going to cost to fix it and why should I be out of pocket. The other driver took full responsibility as she wasn’t paying attention. She herself actually worked at the time for an insurance company also so she knew she was in the wrong and took responsibility for it on the day.

    As for the leak. It is a complete dashboard out job which I at the time was told not to touch and let the insurance deal with it. It has now come to the stage where I am sick of waiting and will attempt it myself. I do not have receipts for the storage and had after the previous thread struck a deal and the car was moved to an other yard after with no storage fees so I am no longer paying these.

    The last time I was with a doctor was over a year and a half ago and was advised that I just have to give it time. I’m not a doctor. I don’t work in the health profession all I’ve done is what the doctor advised. Given it time. They are no where near as sore as they used to be but every now and again I do get a sharp stabbing pain. But I would say 90% of the time I no longer feel it.


  • Registered Users Posts: 24,647 ✭✭✭✭punisher5112


    If it's really bad inside get a valleter to do it, some even call out in vans. Local shop car park etc....


  • Registered Users Posts: 154 ✭✭dizbo


    If it's really bad inside get a valleter to do it, some even call out in vans. Local shop car park etc....

    I bought a machine years ago. Always clean my own cars anyway so I’m used to it. Just never attempted anything gone this bad. It’s just one less cost for me to payout upfront. Not exactly making great money the last year so I’ll just do it myself.


  • Registered Users Posts: 12,860 ✭✭✭✭Losty Dublin


    iwillhtfu wrote: »
    Parts of this story make no sense.

    Why did the insurance agree to pay only half? they obviously thought you were partially responsible as usually being hit from behind is a cut and dried claim.

    From what I've read you've left a car go to ruin because of a leak from what I can see you could've repaired. Also continued to pay a storage fee which I hope you have receipt of and wasn't a cash in hand job as you'll get nothing back without receipts.

    You've also left an apparent limiting injury go untreated for three years. I'd have thought a motorbike would be more difficult to drive with the injuries your describe.

    I've no reason to doubt you but looking at it as a whole it's hard not to wonder how truthful you're being.

    From my read of things the OP seems to have gotten Insurance mixed up with Assurance and feels that they should just get the money paid up ahead of or regardless of any required remedies.


  • Registered Users Posts: 24,647 ✭✭✭✭punisher5112


    dizbo wrote: »
    I bought a machine years ago. Always clean my own cars anyway so I’m used to it. Just never attempted anything gone this bad. It’s just one less cost for me to payout upfront. Not exactly making great money the last year so I’ll just do it myself.

    Get micro fibre cloths, magic sponge, all purpose cleaner, just dampen enough to get heavy stuff off then use the machine, get dehumidifier packs for after so to help dry out.


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  • Registered Users Posts: 154 ✭✭dizbo


    Get micro fibre cloths, magic sponge, all purpose cleaner, just dampen enough to get heavy stuff off then use the machine, get dehumidifier packs for after so to help dry out.

    I was only thinking of getting a dehumidifier for it the other day. As there will be no heat in the car (due to me bypassing the heater matrix) I need something to dry it out. Sunshine and dehumidifier are the only options


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