Truck reversed into car!

Lleyn elec

Hi, Bit of a long winded one!
I was parked outside a shop today in East Cork. When I parked up there was a rigid oil truck in front of me I got out of my car walked by the driver and who was in conversation with a woman.
I got tea and a sandwich and walked by the driver and woman again.
A few mins later as I sat in the car eating a sandwich I see the truck start up and as I assume someone had parked up in front of them tomy surprise I see the truck keep coming back and straight into the bumper of my car.
To say I got a fright would put it mildly. There was a crunch and then the truck drove off.
I’m assuming the driver didn’t know...
I managed to note the Reg no and company name but by the time I found my keys the truck had turned into a refinery literally just down the road.
I contracted the company who’s name was on the truck and a secretary said a transport manager would call back that was at 2pm and I heard nothing since.
What are my options here?

Toyotafanboi

In my experience private bus and truck companys are usually very good in situations like this. I'd say they factor a few lumps and bumps like this into the annual budget.

They'll ask you to get an estimate then pay you to get it done.

Joey321

Report incident to the garda,

freddieot

Report to Gardai and insurance company straight away etc. Large companies do usually settle these issues but they won't be in a hurry unless you make a fuss.

Delay with this and in a week the driver won't remember anything, work sheets might be misfiled, that guy no longer works here, who knows what way they keep records etc.

benji79

Report it so there’s something concrete documented in writing that matches dates, description of event, etc.

If you don’t it could be claimed you made it up or damaged the car yourself later in week etc.

Spook_ie

Lleyn elec wrote: »

Hi, Bit of a long winded one!
I was parked outside a shop today in East Cork. When I parked up there was a rigid oil truck in front of me I got out of my car walked by the driver and who was in conversation with a woman.
I got tea and a sandwich and walked by the driver and woman again.
A few mins later as I sat in the car eating a sandwich I see the truck start up and as I assume someone had parked up in front of them tomy surprise I see the truck keep coming back and straight into the bumper of my car.
To say I got a fright would put it mildly. There was a crunch and then the truck drove off.
I’m assuming the driver didn’t know...
I managed to note the Reg no and company name but by the time I found my keys the truck had turned into a refinery literally just down the road.
I contracted the company who’s name was on the truck and a secretary said a transport manager would call back that was at 2pm and I heard nothing since.
What are my options here?

Would you not have driven into the refinery yourself and had a word with the security or office staff at the gate straight away?

Grab All Association

Do not report it to your insurance company! On renewal you’ll be gouged

https://www.irishtimes.com/news/consumer/car-door-incident-highlights-what-is-wrong-with-insurance-in-ireland-1.4334049?mode=amp

Never ever ever report something like this to your insurer.

Lleyn elec

Toyotafanboi wrote: »

In my experience private bus and truck companys are usually very good in situations like this. I'd say they factor a few lumps and bumps like this into the annual budget.

They'll ask you to get an estimate then pay you to get it done.

Very true, this is what happened this morning. They were waiting to contact the driver. Seemed to be no hassle and to be fair I’ll be very reasonable aswell.

Del2005

Grab All Association wrote: »

Do not report it to your insurance company! On renewal you’ll be gouged

https://www.irishtimes.com/news/consumer/car-door-incident-highlights-what-is-wrong-with-insurance-in-ireland-1.4334049?mode=amp

Never ever ever report something like this to your insurer.

Link is behind a pay wall

The truck company will report the RTC to their insurance company who will add it to the insurance database. So the OP will then be at risk of being refused insurance if they don't report it.

Patrick2010

Del2005 wrote: »

Link is behind a pay wall

The truck company will report the RTC to their insurance company who will add it to the insurance database. So the OP will then be at risk of being refused insurance if they don't report it.

Not behind a pay wall for me.


We had a couple of complaints about insurance – both car and travel.
Just more than five weeks ago Elaine Donnelly was involved in “a very minor incident where my car door hit another car door in a car park. A scuff mark existed which disappeared after polishing with a wet finger.” What happened next highlights much of what is wrong with the insurance industry in Ireland.

“The other driver became irate and took a photo of my insurance details. I photographed the scuff mark on the other car, and there was no damage to my car,” she says. “I contacted my insurer to inform them, in case of a fraudulent claim. No claim has been made to date by the other driver. Indeed, if one were to be made, my excess of €300 would more than cover the cost.”
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But the story does not end there. “Meanwhile, my insurance renewal quote has been issued, and my premium has jumped from €487 to €1,276, a price gouging sum. I have full no claims bonus protection, with 10-years-plus no claims – 18 in fact, but not counted. My insurer has also stated on my no claims cert that I am at fault for a car accident with a claim outstanding. Thereby, preventing me from shopping around for a more competitive quote elsewhere. Apparently, there is no difference between a minor incident involving a car door in a car park and a motor crash that causes significant damage and injury. Informing my insurance company was on paper the right thing to do. However, in practice, [it comes with] a high cost to me in monetary and stress-inducing terms.”

Meeoow

Patrick2010 wrote: »

Not behind a pay wall for me.

Just more than five weeks ago Elaine Donnelly was involved in “a very minor incident where my car door hit another car door in a car park. A scuff mark existed which disappeared after polishing with a wet finger.” What happened next highlights much of what is wrong with the insurance industry in Ireland.

“The other driver became irate and took a photo of my insurance details. I photographed the scuff mark on the other car, and there was no damage to my car,” she says. “I contacted my insurer to inform them, in case of a fraudulent claim. No claim has been made to date by the other driver. Indeed, if one were to be made, my excess of €300 would more than cover the cost.”

Hopefully she'll be more careful next time she's in a car park and doesn't hit her car door into someone else's car.

Wishbone Ash

Grab All Association wrote: »

Do not report it to your insurance company! On renewal you’ll be gouged

https://www.irishtimes.com/news/consumer/car-door-incident-highlights-what-is-wrong-with-insurance-in-ireland-1.4334049?mode=amp

Never ever ever report something like this to your insurer.

That's not a valid example - the OP was not at fault.

You are obliged to report any accident you've been involved in to your insurer whether you are at fault or not.

i57dwun4yb1pt8

all insurance companys will gouge you if you report a no fault incident , it goes on the record and they consider you a higher risk- even if you were nto at fault at all.

occured with me and its occured with others i know of .

i would not report a minor issue to the company if i was not at fault ( and had dash cam etc to prove )
but i would inform the guards .

if i was at fault - i would .

.anon.

Meeoow wrote: »

Hopefully she'll be more careful next time she's in a car park and doesn't hit her car door into someone else's car.

These things happen, especially in car parks that weren't built with the inflated dimensions of modern cars in mind. I have several small marks on my car, probably caused by car doors and shopping trolleys. Not something I'd ever get irate with anyone about.

Del2005

Patrick2010 wrote: »

Not behind a pay wall for me.


We had a couple of complaints about insurance – both car and travel.
Just more than five weeks ago Elaine Donnelly was involved in “a very minor incident where my car door hit another car door in a car park. A scuff mark existed which disappeared after polishing with a wet finger.” What happened next highlights much of what is wrong with the insurance industry in Ireland.

“The other driver became irate and took a photo of my insurance details. I photographed the scuff mark on the other car, and there was no damage to my car,” she says. “I contacted my insurer to inform them, in case of a fraudulent claim. No claim has been made to date by the other driver. Indeed, if one were to be made, my excess of €300 would more than cover the cost.”
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But the story does not end there. “Meanwhile, my insurance renewal quote has been issued, and my premium has jumped from €487 to €1,276, a price gouging sum. I have full no claims bonus protection, with 10-years-plus no claims – 18 in fact, but not counted. My insurer has also stated on my no claims cert that I am at fault for a car accident with a claim outstanding. Thereby, preventing me from shopping around for a more competitive quote elsewhere. Apparently, there is no difference between a minor incident involving a car door in a car park and a motor crash that causes significant damage and injury. Informing my insurance company was on paper the right thing to do. However, in practice, [it comes with] a high cost to me in monetary and stress-inducing terms.”

That's because a person has several months to claim for material damage and several years for injury so the insurance company is doing what it's supposed to do when you hit something that you shouldn't. Take it up with your TD that makes the laws which allow this to happen not the business complying with our law.

The case is also completely irrelevant to the OP where they are the 3rd party and the truck company will repair the damage.

Eggs For Dinner

Grab All Association wrote: »

Do not report it to your insurance company! On renewal you’ll be gouged

https://www.irishtimes.com/news/consumer/car-door-incident-highlights-what-is-wrong-with-insurance-in-ireland-1.4334049?mode=amp

Never ever ever report something like this to your insurer.

Every day of the week, I deal with the consequences from people who take this route.It's a breach of your policy conditions and never ends well.

Irish_peppa

I noticed while renewing insurance this year my insurance company wanted to know if I had any accidents or claims in last 5 years (EVEN IF NOT YOUR RESPONSIBILITY / FAULT) I bet my bottom dollar if you click yes to that window your quote will have shot up.:rolleyes:

Wishbone Ash

Ben Swift Stooge wrote: »

all insurance companys will gouge you if you report a no fault incident , it goes on the record and they consider you a higher risk- even if you were nto at fault at all....

Over the years, I've been involved in three incidents which were the fault of other drivers. I reported them to my insurance company each time and was never penalised. My annual motor insurance policy cost in quite modest.

Aint Eazy Being Cheezy

Eggs For Dinner wrote: »

Every day of the week, I deal with the consequences from people who take this route.It's a breach of your policy conditions and never ends well.

Genuinely: what are the consequences? 11 years ago I was rear ended at traffic lights. Never reported it to my insurance company, but claimed off the other drivers. What difference would it have made?

extra-ordinary_

Aint Eazy Being Cheezy wrote: »

Genuinely: what are the consequences? 11 years ago I was rear ended at traffic lights. Never reported it to my insurance company, but claimed off the other drivers. What difference would it have made?

Possibly if you had needed to make a claim on your own policy.

Eggs For Dinner

Aint Eazy Being Cheezy wrote: »

Genuinely: what are the consequences? 11 years ago I was rear ended at traffic lights. Never reported it to my insurance company, but claimed off the other drivers. What difference would it have made?

There's never a problem until there's a problem. If a counter claim came in or if your attempts to get your repairs paid by the 3rd party went pear shaped, they can refuse indemnity

People often confuse the insurers obligation to deal with the 3rd party as being the same as paying a claim. It's far from that. They will pay the 3rd party and come after you for their outlay. If you're not financially worth going after, they might just cancel the policy or refuse renewal. Then you're in to a world of hardship

Wishbone Ash

Wishbone Ash wrote: »

That's not a valid example - the OP was not at fault.

You are obliged to report any accident you've been involved in to your insurer whether you are at fault or not.

I am hearing so many stories lately I’d be very slow to report anything minor to the insurance. People are getting loaded for just reporting and no claims happening etc.

Eggs For Dinner

Jazlynn Tiny Tourism wrote: »

I am hearing so many stories lately I’d be very slow to report anything minor to the insurance. People are getting loaded for just reporting and no claims happening etc.

They're just that, stories. I've yet to see it happen. There are many posts here where people say their renewal has gone up for no reason. It could be that the insurer was going to do this to your examples anyway and reporting a non-fault incident during the year was just coincidence.

Anyway, I can only give advice, nobody is obliged to follow it. I personally would report even the slightest ding.

Dravokivich

Jazlynn Tiny Tourism wrote: »

I am hearing so many stories lately I’d be very slow to report anything minor to the insurance. People are getting loaded for just reporting and no claims happening etc.

That makes no sense. Its much better to have something on your record clearly stating "not at fault" instead of leaving it ambiguous in the event you end up getting related to an incident at a later time. The purpose of insurance is in case something happens to us in the first place.

Rubberchikken

I had an experience with my car a couple of years ago.
It's always parked outside our gate and most of the time it has a bike rack on it.

The refuse truck was collecting from the house next door, rain was coming down in sheets and the driver must have bumped the edge of the bike rack. The back windscreen shattered.
The guy took photos with his disposable camera, and contacted his boss to give him my details.

I had a phone call later in the day offering to repair windscreen but when I explained that I had two free windscreen replacements with insurance without affecting ncb he offered me free refuse collection for year.

A good company is always aware of these things happening and if they've any sense they'll have figured out that good service is priceless.

Ronin247

Eggs For Dinner wrote: »

They're just that, stories. I've yet to see it happen. There are many posts here where people say their renewal has gone up for no reason. It could be that the insurer was going to do this to your examples anyway and reporting a non-fault incident during the year was just coincidence.

Anyway, I can only give advice, nobody is obliged to follow it. I personally would report even the slightest ding.

If someone reversed into my parked car I would consider it not to be a reportable accident, I would view it as someone damaged my vehicle. I realise it is semantics but I personally know of two examples of companies screwing over people over no fault accident reporting.

Del2005

Ronin247 wrote: »

If someone reversed into my parked car I would consider it not to be a reportable accident, I would view it as someone damaged my vehicle. I realise it is semantics but I personally know of two examples of companies screwing over people over no fault accident reporting.

Damage done by a moving vehicle is an RTC and needs to be notified, what your vehicle is doing is irrelevant when you are not at fault.

Do the people you know have personal injury claims?

Ronin247

Del2005 wrote: »

Damage done by a moving vehicle is an RTC and needs to be notified, what your vehicle is doing is irrelevant when you are not at fault.

Do the people you know have personal injury claims?

No. House insurance.

Needs to be notified to the moving vehicles insurance. Not mine.

mikeecho

Car door incident highlights what is wrong with insurance in Ireland


Elaine Donnelly says she has seen her insurance premium surge after a minor incident in a car park.

File photograph: iStock


Elaine Donnelly says she has seen her insurance premium surge after a minor incident in a car park. File photograph: iStock
We had a couple of complaints about insurance – both car and travel.

Just more than five weeks ago Elaine Donnelly was involved in “a very minor incident where my car door hit another car door in a car park. A scuff mark existed which disappeared after polishing with a wet finger.” What happened next highlights much of what is wrong with the insurance industry in Ireland.

“The other driver became irate and took a photo of my insurance details. I photographed the scuff mark on the other car, and there was no damage to my car,” she says. “I contacted my insurer to inform them, in case of a fraudulent claim. No claim has been made to date by the other driver. Indeed, if one were to be made, my excess of €300 would more than cover the cost.”

But the story does not end there. “Meanwhile, my insurance renewal quote has been issued, and my premium has jumped from €487 to €1,276, a price gouging sum. I have full no claims bonus protection, with 10-years-plus no claims – 18 in fact, but not counted. My insurer has also stated on my no claims cert that I am at fault for a car accident with a claim outstanding. Thereby, preventing me from shopping around for a more competitive quote elsewhere. Apparently, there is no difference between a minor incident involving a car door in a car park and a motor crash that causes significant damage and injury. Informing my insurance company was on paper the right thing to do. However, in practice, [it comes with] a high cost to me in monetary and stress-inducing terms.”

Auto pilot
Meanwhile, Gerald Duffy asked us to “give a big shoutout to VHI travel insurance”, but before the company gets out the champagne to celebrate some good news, it should probably know that he said that with his tongue firmly planted in his cheek.

He was prompted to mail us after getting an email confirming that his annual VHI travel insurance would auto-renew at the end of the month and the cost would be automatically deducted from his credit card.

“I had to phone VHI and cancel, and they even then tried to put me off, telling me that I would have access to exclusive airport lounges etc,” he writes. “A friend of mine only discovered his VHI travel insurance renewed in April at the height of travel restrictions when he looked at his Visa bill. Irate, he phoned them up and got a refund. Anyway, can you give a big shoutout to VHI travel, and their auto travel insurance renewal policies. ‘We are all in this together’, except of course VHI, who are in this for the profits.”

Del2005

Ronin247 wrote: »

No. House insurance.

Needs to be notified to the moving vehicles insurance. Not mine.

I assume that they claimed from their own insurance for a house policy so they will have lost their no claims bonus and/ or be in a different risk group. The OP isn't claiming against their own policy.

Read your policy documents again.