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advice after minor rear end accident

  • 10-05-2022 10:02am
    Registered Users Posts: 2,324 ✭✭✭ positivenote

    hi all,

    Last night with my two young kids in the car i was stopped at traffick lights when a car rear ended me. It was more of a heavy bump than anything serious. KIds were fine but a little shaken after the fright, thank god. I got out of the car and had an exchange with the other driver, who was only a youngfella on a learner license. I checked for damage but didnt see any... but It was late and raining and im only after noticing this morning that there is indeed a crack in the bumper and an alignment issues beneath the licence plate.

    I took photots of the other drivers insurnace, nct (expired by two months) and tax aswell as his driving licence. But I never thought of asking for his phone number.

    Looking for advice on how I should proceed with this as I want to get the bumper repaired (obviously). Paying for the repair himself would probably be his best option instead of going thrpugh insurance etc...

    I only have his name and address.

    Any advice would be welcomed, and agin im delighted it was only bumper damage.




  • Registered Users Posts: 75,849 ✭✭✭✭ Atlantic Dawn

    What may appear as bumper damage could be much worse when examined. Depends on value of your car as to how I would proceed, first step would be to get the damage examined.

  • Registered Users Posts: 2,324 ✭✭✭ positivenote

    Car is a skoda superb (2010) not by any means worth a fortune…

  • Registered Users Posts: 266 ✭✭ pjdarcy

    Just get the damage assessed and get a price for fixing it then drop around to his house with the estimate and see how he wants to proceed

  • Registered Users Posts: 2,324 ✭✭✭ positivenote

    Thanks got this. A point of note that there was someone else on the passenger seat accompanying the driver.

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  • Registered Users Posts: 4,804 ✭✭✭ mikeecho

    Pass the details onto your insurance company.

  • Registered Users Posts: 1,312 ✭✭✭ TheW1zard

    As above. Report to your insurance, pass details on. Let them sort it out.

  • Registered Users Posts: 457 ✭✭ Klopp

    report to your insurance and his, tell his insurance happy to settle without insurance. Once you get the estimate you can forward it to his insurance company and they can liaise with him and you avoid any contact or hassle of dealing with them.

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  • Registered Users Posts: 4,426 ✭✭✭ maestroamado

    What book... your talking rubbish ... get the bumper fixed properly... let the person who did the damage any way they please...

    Car insurance cost is crazy in this country because of people like you... its people like you we need to be protected from...

  • Registered Users Posts: 3,069 ✭✭✭ Browney7

    Needless to say OP,don't get it repaired before getting cash from them if you choose to settle it that way. Otherwise it could become a "what damage?" situation after its repaired.

  • Registered Users Posts: 4,426 ✭✭✭ maestroamado

    people like should be in a police state like Russia... you would have the kid locked up... cop on...

  • Registered Users Posts: 2,324 ✭✭✭ positivenote

    guys can we keep it civil, i was only looking for advice. Thanks for all so far.

    Getting back to the original question, when i get a quote for the work should i literally knock around to the apartment with the quote or send a letter in paper... pitty I didnt just get his number as well as itd be easier to do it over the phone. Any sugestions on how to phrase such a letter would again be appreciated.

  • Registered Users Posts: 5,483 ✭✭✭ kirving

    By the book is a figure of speech. The person who did the damage doesn't get to decide what backstreet garage superglues the OP's car back together, because it would be in their interest to cut corners.

    You clearly haven't even read my first post, because I specifically said that I didn't claim for whiplash.

    My insurance dropped by over 50% this year. €400 for a 250bhp car, and potentially millions in liability is a deal in my book. No crashing into someone, and driving a car with a valid NCT would avoid all this hassle for the other guy (and the OP).

    Awkward enough, but the only option you have really. Knocking around is the best of a bad choice!

  • Registered Users Posts: 4,426 ✭✭✭ maestroamado

    Good luck with it... if it were me i would send him a note in the post... otherwise you will likely have to report to the Gardai...

    These spats on here are more fun than serious so all ok...

  • Registered Users Posts: 231 ✭✭ ThreeGreens

    Regarding the NCT, there was a 4 month general extension, so it might still be valid.

    Also, there is a long waiting list at present to get your car NCT. Current appointments are at the end of August! Comes as a bit of a shock to most people when they go to book their NCT a few weeks in advance.

  • Registered Users Posts: 2,867 ✭✭✭ Ginger83

    OP I would let your insurance know and the other drivers insurance. The other driver will be given the choice of paying without affecting his insurance.

    If you decide to contact him with a quote I would post it. I would not turn up at his home because you do not know who or what you are going to meet or be confronted with.

  • Registered Users Posts: 4,426 ✭✭✭ maestroamado

    I thought if a person was responsible for accident the NCB be affected...

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  • Registered Users Posts: 2,867 ✭✭✭ Ginger83

    Years ago I tipped a motorcycle while reversing and the rider dropped it. I gave him my details and he went off to price the damage. Few days later he rings to say that he had a quote for €510. I was happy to pay it but he went off to get another quote. About a month went by and he came back wanting to go through insurance because the damage was now €3.5k.

    I contacted my insurance who sent an Assessor out to him and then to me. He had already had the repairs done and had repairs done to both sides of the bike.

    The result was my insurance gave him the opportunity to take or leave the original €510.He wasn't happy but accepted. My insurance paid him and allowed me to repay them to keep it off my record.

  • Registered Users Posts: 862 ✭✭✭ Whocare

    If you have his address call around to him .and give him a quote from reputable crash repair place and tell him he have closed of business next day to call around and pay the bill or I will go the insurance route as I can't be bothered with waiting around and I hope you understand

  • Registered Users Posts: 3,565 ✭✭✭ User1998

    Its quite simple.

    Option 1: Get a quote, post it or hand deliver it to the driver. If they are willing to give you cash within a few days then great, all sorted. If they aren’t willing to pay, or don’t respond, then go through insurance.

    Option 2: Skip option 1 and go straight through insurance

    You decide what option you want to take. My opinion is that not giving him a chance to pay is a bit selfish. Although others are saying his insurance company will give him the chance. So I suppose straight to insurance would be okay too but more hassle.

  • Registered Users Posts: 699 ✭✭✭ ants09

    Car insurance is crazy in this country is not because of people like kirving but because insurance companies here are fraudsters and Claims Handlers intentionally lie and mislead you in claims

    Being rear ended there could be more damage to the car then just simply a crack bumper.

    The OP has a choice after getting a quote to get the car repaired.

    1 - Get the other party to pay for the damage, and that includes costs like rental of car and other expenses incurred

    2 - Go though the other parties insurance

    If going though the other parties insurance i would advise to go legal and get a solicitor involved to deal with the claim.

  • Registered Users Posts: 4,426 ✭✭✭ maestroamado

    All of what you say is what insurance companies here are saying our insurance more expensive... remember the EU looked at this a few years ago... we love solicitors and court and we have to pay...

  • Registered Users Posts: 699 ✭✭✭ ants09

    Insurance companies are the very reason why insurance is so expensive and why people go to solicitors/legal in the first place instead of corresponding with the insurance company in the first place.

    If i'm ever in another car accident again, instead of corresponding with the insurance company, my first port of call would be hire a solicitor to act on my behalf in the claim.

    The reason is because of my past experience with them, as the Claims Assessor intentionally lied to me and in my opinion tried to defraud me.

    But if a claimant tries to defraud a insurance company they are made out to be low life, but when the insurance company/Claims Handler does it then it is brushed under the carpet and they don't want to know or even investigate it.

    I didn't claim for personal injuries etc as i wasn't personally injured in the car accident and me being nieve i believe that they would act honorable which was a huge mistake

  • Registered Users Posts: 2,649 ✭✭✭ Eggs For Dinner

    I'd be curious to know what the intended fraud was in your situation

  • Registered Users Posts: 699 ✭✭✭ ants09

    Fraud involves deceit with the intention to illegally or unethically gain at the expense of another

    Fraud involves the false representation of facts, whether by intentionally withholding important information or providing false statements to another party for the specific purpose of gaining something that may not have been provided without the deception.

    I was rear ended on a motorway in January 2020 which caused significant damage to my car. The 3rd party insurance company decided to economically write off my car.

    The Claims Assessor phoned me and said the PAV according to them was x amount, i asked them where did they get the PAV from and the CA said "A car similar to yours was sold in Jan 2019 for x amount.

    15 minutes before the CA phone me, he got an email giving details about my car and that it was sold in Jan 2019 for x amount and this is the amount of PAV of the car.

    So within 15 minutes the PAV of my car changed from my car to a car similar to mine, which is Fraud as he is making false statements and withholding important information as i brought the car in Mar 2019 which they knew about.

    Also my car is one of the few that it is going up in value since i brought it.

    Also they said the scrap value of the car is Y amount and when i asked who is the scrap yard that put the offer in they gave a name of a company in Donegal, but that company didn't know anything about it and they said they wouldn't even touch my car as they only deal with VAG's which my car ain't.

  • Registered Users Posts: 2,649 ✭✭✭ Eggs For Dinner

    Am I reading you right? You were rear ended in Jan 20 and they were offering you what it was worth in 2019?

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  • Registered Users Posts: 699 ✭✭✭ ants09

    You are reading it right

    My car is an older car and the value of these cars are going up in value not down in value