Car crash

pajoguy

Hi,
Not sure if this is in the right forum so feel free to relocate if necessary.
Involved in an RTC today where I got rear ended while stopped in traffic. We both pulled over to the verge and I called the guards who arrived promptly enough. The driver of the other car admitted liability to the garda and we swapped details. My car stood up to the collision pretty impressively but his VW CADDY was pretty beaten up. He had to get it towed away. Mu bumper cracked in a few places and the impact bar behind the bumper is bent in 2 places.The driver is genuine and was very apologetic.
When we left the scene I went to my local doctor just for a "once over" as he was 200 yards away but they told me to go to A&E so off I went. Thank god the car was driving fine.
I am a little sore under my shoulder blade but nothing a few nurofen wont solve and the doctor seemed happy enough which is great but he has signed me off work for 2 days as he feels I might be a bit sore in the morning.
Its now the bloody inconvenience of getting a quote and repairs etc. Its all bloody hassle.
Im not a whiplash claim and just want what I feel I should be compensated for. I feel costs like days off work, travel to and from main dealers probably 3 times, A and e fee€100 and car hire while car is being repaired are reasonable.
I have notified the other drivers insurance company and they contacted me this evening to set me up on file but I couldnt talk at the time so they are ringing me again in the morning.
Am i being unreasonable looking for the above which may be around €1000 on top of repairs and car hire?

frozenfrozen

sounds reasonable, fair play for not seeing a pay day

MarkR

Just get receipts for everything, and if it's something as a result of the accident, then include it in your claim.

AuldDaysul

Depending on the cars age and value I'd also seek compensation for depreciation of the vehicles value post repair. This is not something I'd see as chancing your arm or taking advantage of the situation.

walshtipp

Claim back any costs that you incurred as a result of the accident. It is not at all unreasonable.

pajoguy

Thanks for the replies....
Id say my car is only worth about 4k to me and about 2k if it were to be traded in🙄. Maybe 5% depreciation?

Eggs For Dinner

You are entitled to claim for the cost of repairs and all other verified losses, such as car hire, medical expenses, loss of wages for attending appointments etc. You won't get depreciation on what sounds like an older car. As for pain and sufferig, it depends on what you want and how far you want to take it. If it's a nominal amount, I don't see an insurer refusing it to let them close the file. If you want a significant figure, they will put it through the usual process to establish the extent of your injury

pajoguy

Eggs For Dinner wrote: »

You are entitled to claim for the cost of repairs and all other verified losses, such as car hire, medical expenses, loss of wages for attending appointments etc. You won't get depreciation on what sounds like an older car. As for pain and sufferig, it depends on what you want and how far you want to take it. If it's a nominal amount, I don't see an insurer refusing it to let them close the file. If you want a significant figure, they will put it through the usual process to establish the extent of your injury

Ah no i dont want anything for pain and suffering. Im married 10 years and I havent claimed for that😅 Its just the hassle of getting repairs and time off etc. I just dont want to seem unreasonable looking for travel expenses, time off work etc.

walshtipp

pajoguy wrote: »

Ah no i dont want anything for pain and suffering. Im married 10 years and I havent claimed for that�� Its just the hassle of getting repairs and time off etc. I just dont want to seem unreasonable looking for travel expenses, time off work etc.

At least there are some honest people left. A lot of people these days would try to claim whiplash etc. We're gone like the US with the claims culture.

But you are absolutely right to claim your out of pocket expenses.

kirving

The difficulty really is, that outside of getting a taxi to the dealers, etc, any hassle you may incur is difficult to quantify.

Drop the car to a main dealer only, be sure to get a courtesy car, hospital parking receipts, every single thing you incur.

How does it work if you're self employed and need to take time off working, or work somewhere you don't get sick leave?

Voodoomelon

Kevin Irving wrote: »

The difficulty really is, that outside of getting a taxi to the dealers, etc, any hassle you may incur is difficult to quantify.

Drop the car to a main dealer only, be sure to get a courtesy car, hospital parking receipts, every single thing you incur.

How does it work if you're self employed and need to take time off working, or work somewhere you don't get sick leave?

You have to fight for it with a solicitor, which sadly as soon as they get involved, it's a €15k+ payout whether you want it or not. There seems to be no in between with insurance companies, they'll either write you a cheque for €500 which doesn't even look at 6 months of physio if you need it, or you have to go down the legal route, which is only done to the max.

Eggs For Dinner

Voodoomelon wrote: »

You have to fight for it with a solicitor, which sadly as soon as they get involved, it's a €15k+ payout whether you want it or not. There seems to be no in between with insurance companies, they'll either write you a cheque for €500 which doesn't even look at 6 months of physio if you need it, or you have to go down the legal route, which is only done to the max.

Where liability is not an issue, an insurer will readily pay all verified expenses incurred. You don't need a solicitor unless you want to claim for injuries.

You go to a garage of your choice, you hire a courtesy vehicle, you collect your medical receipts, your travel receipts, you tell them you missed X days from work unpaid at X per day etc and they pay you.

Despite what is often portrayed here, not every claim is a drama, it's just mundane paperwork for a claims handler

pajoguy

Eggs For Dinner wrote: »

Where liability is not an issue, an insurer will readily pay all verified expenses incurred. You don't need a solicitor unless you want to claim for injuries.

You go to a garage of your choice, you hire a courtesy vehicle, you collect your medical receipts, your travel receipts, you tell them you missed X days from work unpaid at X per day etc and they pay you.

Despite what is often portrayed here, not every claim is a drama, it's just mundane paperwork for a claims handler

I suppose the issue I have is the days off work. I have been signed off work for 2 days by a doctor. Thats 2 days out of my sick leave allowance. Im not 1 of these people that takes up his "sick leave allowance" but if I were to get sick in the future those 2 days paid sick leave would be handy to have.
I would be taking annual leave to get the car sorted. Half a day to get a quote and another half day to drop off and another half day to pick up. Should i not be compensated for that?
3 round trips to the main dealers is 210km in total. Should I not be compensated for that at a rate agreeable to all?
I will see how I get on tomorrow when they call me and see what they say.

Voodoomelon

Eggs For Dinner wrote: »

Where liability is not an issue, an insurer will readily pay all verified expenses incurred. You don't need a solicitor unless you want to claim for injuries.

I would contest that no insurance company "readily" pays anything, I have first hand knowledge of a case where one of the big insurers would not pay more than initial doctors examinations and two or three physio visits despite racking up countless visits; the injured party had to fight for the basics and was at zero fault.

Everything should go smoothly, but all insurance companies will try and minimise payouts.

pajoguy

Voodoomelon wrote: »

I would contest that no insurance company "readily" pays anything, I have first hand knowledge of a case where one of the big insurers would not pay more than initial doctors examinations and two or three physio visits despite racking up countless visits; the injured party had to fight for the basics and was at zero fault.

Everything should go smoothly, but all insurance companies will try and minimise payouts.

Well as previously pointed out that going down the route of a solicitor leads to a 15k payout regardless whether you want it or not is why this country's claims culture will always win out.

If I showed people photos of the damage done to the car that hit me and was towed away people would not believe that im pretty much unscathed. Im sure all the rubber neckers were thinking that person is looking at a 10 to 15k payout based on Charlie Westons reports in the Indo.

Eggs For Dinner

Voodoomelon wrote: »

I would contest that no insurance company "readily" pays anything, I have first hand knowledge of a case where one of the big insurers would not pay more than initial doctors examinations and two or three physio visits despite racking up countless visits; the injured party had to fight for the basics and was at zero fault.

Everything should go smoothly, but all insurance companies will try and minimise payouts.

An insurer is obliged to verify every aspect of a claim. If liability is not an issue and you can provide receipts for losses incurred an documentation in support of future costs such as X amount of physio visits they will happily pay you. It is in their interest to keep you happy and away from a solicitor who, as has been said here, will push you towards a mutual payday.

Eggs For Dinner

pajoguy wrote: »

I suppose the issue I have is the days off work. I have been signed off work for 2 days by a doctor. Thats 2 days out of my sick leave allowance. Im not 1 of these people that takes up his "sick leave allowance" but if I were to get sick in the future those 2 days paid sick leave would be handy to have.
I would be taking annual leave to get the car sorted. Half a day to get a quote and another half day to drop off and another half day to pick up. Should i not be compensated for that?
3 round trips to the main dealers is 210km in total. Should I not be compensated for that at a rate agreeable to all?
I will see how I get on tomorrow when they call me and see what they say.

If you miss time off work as a result of this accident, you are entitled to be compensated for it. The fact that you are using sick leave or holidays should not be taken in to account by the insurer. The fact is you wouldn't be taking time off but for the accident. Many employers provide bonuses for perfect attendance, so why should you miss out on something like that.

With regard to mileage, you can't claim for that as well as having a courtesy vehicle. You can put in for petrol specific to those trips I suppose.The insurer is likely to opt for lifting the car to your garage and having it returned to you, rather than have you take time off to do it yourself


Bottom line, is that all reasonable verified claims will be paid

pajoguy

pajoguy wrote: »

Hi,
Not sure if this is in the right forum so feel free to relocate if necessary.
Involved in an RTC today where I got rear ended while stopped in traffic. We both pulled over to the verge and I called the guards who arrived promptly enough. The driver of the other car admitted liability to the garda and we swapped details. My car stood up to the collision pretty impressively but his VW CADDY was pretty beaten up. He had to get it towed away. Mu bumper cracked in a few places and the impact bar behind the bumper is bent in 2 places.The driver is genuine and was very apologetic.
When we left the scene I went to my local doctor just for a "once over" as he was 200 yards away but they told me to go to A&E so off I went. Thank god the car was driving fine.
I am a little sore under my shoulder blade but nothing a few nurofen wont solve and the doctor seemed happy enough which is great but he has signed me off work for 2 days as he feels I might be a bit sore in the morning.
Its now the bloody inconvenience of getting a quote and repairs etc. Its all bloody hassle.
Im not a whiplash claim and just want what I feel I should be compensated for. I feel costs like days off work, travel to and from main dealers probably 3 times, A and e fee€100 and car hire while car is being repaired are reasonable.
I have notified the other drivers insurance company and they contacted me this evening to set me up on file but I couldnt talk at the time so they are ringing me again in the morning.
Am i being unreasonable looking for the above which may be around €1000 on top of repairs and car hire?

I was involved Inna crash which wasn't my fault either last year, I got injured alot worse than you and needed surgery etc however the insurance company will **** themselves and pay any of the above you are talking about, don't even worry send them any expenses you have, prescription costs, taxis , coffee in hospital. Bill them for everything and they will happily pay it.

frozenfrozen

Jeffrey Miniature Flower wrote: »

I was involved Inna crash which wasn't my fault either last year, I got injured alot worse than you and needed surgery etc however the insurance company will **** themselves and pay any of the above you are talking about, don't even worry send them any expenses you have, prescription costs, taxis , coffee in hospital. Bill them for everything and they will happily pay it.

Was it on the bike goose sorry to hear it

pajoguy

Just back after taking car to main dealer for a quote. It is being forwarded to other drivers insurance company. They feel the car may not be worth repairing. Impact bar and underneath of boot all shoved in. Looks like this may end up costing me 10000 if I have to change car. I had no intention of changing for at least 5 or 6 years. Its a high spec interior. F**k

jimmycrackcorm

Jeffrey Miniature Flower wrote: »

I was involved Inna crash which wasn't my fault either last year, I got injured alot worse than you and needed surgery etc however the insurance company will **** themselves and pay any of the above you are talking about, don't even worry send them any expenses you have, prescription costs, taxis , coffee in hospital. Bill them for everything and they will happily pay it.

It's still a lot less than they would pay out in a contested claim.

frozenfrozen

frozenfrozen wrote: »

Was it on the bike goose sorry to hear it

yeah it was man, thanks. Wasn't too bad only going walking pace when got hit but enough to break arms and hands.

jimmycrackcorm wrote: »

It's still a lot less than they would pay out in a contested claim.

Exactly, he has 2 years to sue them if he so chooses and if it goes to court a judge will not look favorably on a company that didn't pay for any expenses he would have incurred.

(Just to add, in no way am I condoning someone suing for "whiplash", I think its a joke and scummy thing to do)

In my experience anyway they sent out as assessor from the insurance company who told me to claim absolutely everything from them that it was on them and they were more than happy to help me with any expenses, car hire etc

regarding depreciation on the vehicle, good luck in getting that. The cheapest option for them will just be to write the vehicle off if you keep pushing for more money on the damaged vehicle and there's very little you can do. They will just give you market value if its cheaper for them.

cpoh1

pajoguy wrote: »

Just back after taking car to main dealer for a quote. It is being forwarded to other drivers insurance company. They feel the car may not be worth repairing. Impact bar and underneath of boot all shoved in. Looks like this may end up costing me 10000 if I have to change car. I had no intention of changing for at least 5 or 6 years. Its a high spec interior. F**k

Get a second quote from a decent panel beaters. A 4k car with rear end damage is only ever going to get written off if you are quoting main dealer prices for parts and labour on repairs.

Worst case you can buy the car back after its been written off and repair yourself if you really want to keep for a good few more years.

Andrew33

pajoguy wrote: »

Hi,
Not sure if this is in the right forum so feel free to relocate if necessary.
Involved in an RTC today where I got rear ended while stopped in traffic. We both pulled over to the verge and I called the guards who arrived promptly enough. The driver of the other car admitted liability to the garda and we swapped details. My car stood up to the collision pretty impressively but his VW CADDY was pretty beaten up. He had to get it towed away. Mu bumper cracked in a few places and the impact bar behind the bumper is bent in 2 places.The driver is genuine and was very apologetic.
When we left the scene I went to my local doctor just for a "once over" as he was 200 yards away but they told me to go to A&E so off I went. Thank god the car was driving fine.
I am a little sore under my shoulder blade but nothing a few nurofen wont solve and the doctor seemed happy enough which is great but he has signed me off work for 2 days as he feels I might be a bit sore in the morning.
Its now the bloody inconvenience of getting a quote and repairs etc. Its all bloody hassle.
Im not a whiplash claim and just want what I feel I should be compensated for. I feel costs like days off work, travel to and from main dealers probably 3 times, A and e fee€100 and car hire while car is being repaired are reasonable.
I have notified the other drivers insurance company and they contacted me this evening to set me up on file but I couldnt talk at the time so they are ringing me again in the morning.
Am i being unreasonable looking for the above which may be around €1000 on top of repairs and car hire?

If his Insurance company start messing you about just remind them you are not (currently) putting in a personal injury claim.

ants09

Voodoomelon wrote: »

You have to fight for it with a solicitor, which sadly as soon as they get involved, it's a €15k+ payout whether you want it or not. There seems to be no in between with insurance companies, they'll either write you a cheque for €500 which doesn't even look at 6 months of physio if you need it, or you have to go down the legal route, which is only done to the max.

I agree with what this poster said, i was also rear ended on the M50, the insurance company who is a major player here and in the UK lied and mislead me, so get everything written down and don't communicate with them over the phone but via email etc.

My advice would be go to a solicitor and let them deal with it as it's a pain and headache otherwise.

Eggs For Dinner

ants09 wrote: »

I agree with what this poster said, i was also rear ended on the M50, the insurance company who is a major player here and in the UK lied and mislead me, so get everything written down and don't communicate with them over the phone but via email etc.

My advice would be go to a solicitor and let them deal with it as it's a pain and headache otherwise.

You're pre-judging the insurer. Nothing to indicate so far that they will be anything but professional in dealing with the OP

Andrew33

Eggs For Dinner wrote: »

Where liability is not an issue, an insurer will readily pay all verified expenses incurred.

BS to that!
I was rear ended a number of years ago, almost 10k worth of damage to car she hit me that hard,
All I claimed for was car damage, loss of earnings and car rental, her insurance company (RSA) argued everything even though there was no question of liability. argued my loss of earnings even though certified accounts were provided, didn’t want to pay the extra depreciation even though car was only 8 months old at the time, only wanted to give me a rental car for 5 days even though my car was off the road for 3 weeks!
I had to gently remind them that I was not putting in any sort of injury claim before they calmed down and coughed up but the **** they put me through anyway.
You get nothing for being nice!

Eggs For Dinner

There are bad experiences in every aspect of life. I can only go my dealings with similar circumstances day in, day out for many years as a claims handler. And trust me, you do get more by being reasonable to deal with, than not. That doesn't mean you shouldn't stand your ground.

pajoguy

Eggs For Dinner wrote: »

There are bad experiences in every aspect of life. I can only go my dealings with similar circumstances day in, day out for many years as a claims handler. And trust me, you do get more by being reasonable to deal with, than not. That doesn't mean you shouldn't stand your ground.

So I did 70km round trip for the quote today and it was half day off work. I think I should be compensated for this. Apply half my net pay for a day and the same km rate I am on at work for expenses? I think I am being fair on this but at this stage I have a feeling I may have to get a solicitor and as the other driver admitted liability to the guards the costs I presume would be covered by his insurance?

Eggs For Dinner

pajoguy wrote: »

So I did 70km round trip for the quote today and it was half day off work. I think I should be compensated for this. Apply half my net pay for a day and the same km rate I am on at work for expenses? I think I am being fair on this but at this stage I have a feeling I may have to get a solicitor and as the other driver admitted liability to the guards the costs I presume would be covered by his insurance?

Talk to his insurers along the lines as you have done here. Your expectations seem reasonable. Whether or not you need a solicitor will depend on the response you get.

The only thing that delays straightforward accidents like this is if the other driver has not reported the matter to his insurers. They are obliged to hear their clients version of events. However, I would allow no more than a week for that and remind them that the meter is running on your expenses in the meantime, such as car hire

pajoguy

pajoguy wrote: »

So I did 70km round trip for the quote today and it was half day off work. I think I should be compensated for this. Apply half my net pay for a day and the same km rate I am on at work for expenses? I think I am being fair on this but at this stage I have a feeling I may have to get a solicitor and as the other driver admitted liability to the guards the costs I presume would be covered by his insurance?

Mate, you are overthinking the crap out of this. Just submit your expenses after the car is sorted and see if they pay them, if they don't say you will go to a solicitor.

If it ends up in court it doesn't matter if the other driver admitted liability, the defense will have their own specialist to determine liability and if you had any liability in the accident and the two sides will argue it out

What I will tell you from recent experience is going to a main dealer to try and get that car fixed is going to result in the assessor writing it off and there's absolutely nothing you can do about it.

If you really like the car and you said the interior is nice then go and find a bodyshop and ask them what their quote would be and see if the assessor will deal with them


I had to organise myself to get my bike repaired in one garage and I had to take all the panels off myself and bring them to a bodyshop to get repaired and refit them myself just to stop the assessor writing it off which I didn't want.

I had solicitors involved and they didn't want to go near arguing with an assessor , they said I would have to hire my own engineer and assessor to argue the case against him and it would costs thousands that I would only get that back if it went to court and won.

i57dwun4yb1pt8

Andrew33 wrote: »

BS to that!
I was rear ended a number of years ago, almost 10k worth of damage to car she hit me that hard,
All I claimed for was car damage, loss of earnings and car rental, her insurance company (RSA) argued everything even though there was no question of liability. argued my loss of earnings even though certified accounts were provided, didn’t want to pay the extra depreciation even though car was only 8 months old at the time, only wanted to give me a rental car for 5 days even though my car was off the road for 3 weeks!
I had to gently remind them that I was not putting in any sort of injury claim before they calmed down and coughed up but the **** they put me through anyway.
You get nothing for being nice!

RSA are one of the worst scumbag insurers out there , i had a similar experience .