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Insurance Claim - fitness to drive

  • 12-06-2023 4:38pm
    #1
    maresearch
    Registered Users, Registered Users 2 Posts: 1 ✭


    Someone I know had an accident recently, they were the only vehicle involved. They have a medical condition and the insurance company were informed of this in writing last year. Their current policy runs up to July 2023. The insurance company are now saying that the existing letter that they received last year saying the person is fit to drive is on file but to move forward with the claim they want a new letter from a GP about their fitness to drive. Has anyone come across this before? Shouldn't the existing letter be sufficient to pay out the claim?



Comments

  • #2
    Seth Brundle
    Moderators, Politics Moderators Posts: 41,209 Mod ✭✭✭✭Seth Brundle


    https://www.boards.ie/discussion/2058300547/insurance-claim-fitness-to-drive

    I assume that the insurance company are aware that last year the driver was deemed fit to drive. They then subsequently had an incident (it wasn't an accident but let's not get bogged down on that!). The insurance company want to hear that the driver is still fit to drive now. If they are not, then at what point during the year did they become unfit to drive and were they unfit when the incident occurred?



  • #3
    NUTLEY BOY
    Registered Users, Registered Users 2 Posts: 2,345 ✭✭✭NUTLEY BOY


    Is the medical condition one that is subject to change in terms of it's nature and impact on the driver's ability to drive ?

    I do not see how the insurers can try to rewrite the insurance retrospectively by asking for a new medical letter to cover the period already covered by last year's medical letter. Against this, it could be that the nature of the driver's medical problem is such that they might have been medically unfit at the time of the accident despite what the current medical letter says. Potentially tricky....

    If the insurers are looking for a medical letter for the next renewal I would not see any problem about that.



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