I nudged into the back of a van and everyone is injured.

studdlymurphy

So I nudged into the back of a van, there is plastic damage to my bumper a crack and some scuffs. The van driver and two occupants have personal injury claims and the van requires 15k to fix it. It looks like a complete sham. I know I'm at wrong. I have now received a solicitors letter where in the statment of claim ot mentions that on this date this vehicle was travelling lawfully on the public highway and was struck my me. The thing is he was not travelling lawfully as he didn't have any tax. Is this any help to me.

When the accident happend I spoke with all the occupants and all were fine, one as actually yarning, all said they were fine and I said I would pay for any damage. Damage was very small and only the plastic bumper was slightly oit of alignment. We all had a good look at the time. Obviously they changed their minds when they thought about all the free money. But that's their own choice.

So does no road tax make any difference? The van was a northern reg also if that makes any odds.

Thanks.

NIMAN

The world is full of crooks unfortunately.

Miscreant

Terrible thing to happen but just let your insurance deal with it at this stage. That is why you pay them.

Lack of tax on the van will make absolutely no difference.

billyhead

Unfortunately that's society for you. Full of rogues and chancers. I have a feeling they maybe part of a certain ethnicity but who's to know.

ednwireland

Well I would have agreed but a few years ago someone drove into the back of my wife's car. and damage looked minor there was about 8k of repairs she's still in the physio and had mri scans on her back recently.

so yes could be a scam but whiplash is nasty and only comes out later.

Buddy Bubs

How many people is everyone?

Could be 3 at most if a van and they were seated properly?

Were they all cousins/brothers/sisters/lovers or all of the above ?

Northern Ireland cars don't display tax disc as far as I know so they may have had valid tax

Let your insurance sort it out, don't engage with them

Atlantic Dawn

Northern Ireland/UK vehicles have not used tax discs since October 2014, how did you find out it was not taxed?

https://www.boards.ie/discussion/comment/121661463#Comment_121661463

Well, not entirely true. I think their insurer won’t honour the claim if they had no tax at the time.

Kaisr Sose

Its not worth engaging with their solicitor on anything including the tax status of the vehicle. Contact your insurance company. They have established process and procedures for dealing with all manner of claims and will contest claims that don't stack up.

studdlymurphy

Total car check is free and gives loads of basic info on uk reg cars

studdlymurphy

I'll call the insurance tomorrow and let them know there is no tax just on the off-chance it males a difference but looks like I'll have to just grin and bare it.

mickdw

The tax is not an issue. Indeed, even if they were not insured and you caused an accident, you are still liable so forget about the tax.

Let insurer deal with it but state your case clearly that it was a micro accident. The way things are though, expect a big payout to each of them.

Carlito Brigantes Tale

Hopefully the van occupants will be okay. Whiplash is a terrible thing.

Sir Galahad

https://www.boards.ie/discussion/comment/121661524#Comment_121661524

Billox.

bmc58

https://www.boards.ie/discussion/comment/121661691#Comment_121661691

The're necks will be fine.Don't worry.

Carlito Brigantes Tale

https://www.boards.ie/discussion/comment/121661722#Comment_121661722

Maybe, maybe not. I know someone who still suffers from an accident and all they got was a lousy 25k for their trouble. Like i said hopefully the van occupants don't have long term issues.

Kaisr Sose

https://www.boards.ie/discussion/comment/121661722#Comment_121661722

Yes, thick necks. Telling they all have the same solicitor...you read about these type of thick necks in the media..and it's not always a good outcome for them

Furze99

https://www.boards.ie/discussion/comment/121661524#Comment_121661524

I agree, insurance companies will do their utmost to avoid pay outs if they can.

We were hit once by a driver who policy was defective and the company tried every trick to get out of it.

corks finest

The bastards

corks finest

Seemingly only here in this mad country is whiplash injury ( most is scam)

worth so much

SEPT 23 1989

Life is all about learning lessons

you won’t make the same mistakes again when you have an accident

Call the guards

don’t admit liability

let your insurance company deal with it

tomhammer..

Tax isn't relevant

As said let insurance deal with it. You've no control over their actions .

colm_mcm

https://www.boards.ie/discussion/comment/121661524#Comment_121661524

The OPs insurance will be paying out though, so I don’t think it’ll affect things.

farmerval

Generally insurance companies are dying to pay out small amounts for minor injuries to get the claimants to sign off on any potential future larger claim. Indeed your insurance will bend over backwards to avoid going to court.

A work colleague had a minor prong from the back at a roundabout a few years ago. Was stiff and sore a few days later but nothing really, the insurance from the other guy were chasing him to accept 11K compensation, think they even paid for physio for him. All they wanted was for him to sign a waiver on any future claim.

mulbot

Didn't they reverse at high speed into you🤔

T-Maxx

Shocking to see some of the attitudes displayed here - just because it was a van and NI occupants.

tomhammer..

https://www.boards.ie/discussion/comment/121662250#Comment_121662250

Ys but reading first post it seems there was no injuries

So..

MakersMark

I'd tell my insurance company there was only 1 occupant in the van....

colm_mcm

https://www.boards.ie/discussion/comment/121662269#Comment_121662269

Regardless of injuries, the OPs insurance will get a hammering for the damage to the van (which if it’s actually assessed as €15k worth, will be more than just a nudge on the plastic)

T-Maxx

https://www.boards.ie/discussion/comment/121662269#Comment_121662269

As said already whiplash usually takes a while to manifest.

T-Maxx

https://www.boards.ie/discussion/comment/121662282#Comment_121662282

Why on earth would you intentionally lie about something like that?

tomhammer..

https://www.boards.ie/discussion/comment/121662282#Comment_121662282

Do not do this

Get your policy cancelled if they find out

Norrie Rugger Head

https://www.boards.ie/discussion/comment/121661485#Comment_121661485

A guy pulled across me, on my motorbike. I was thrown down the road and thought that I was grand with some torn muscles in my upper back.

20 years later I struggle to stand at a counter, to cut veg for dinner, without my entire upper back seizing up. Long haul flights are an absolute nightmare

MakersMark

https://www.boards.ie/discussion/comment/121662308#Comment_121662308

Because its a well known scam with yellow reg vehicles down south.

And simply saying that to the best of your knowledge, there was only 1 occupant in the van won't get your insurance cancelled. FFS!

MakersMark

https://www.boards.ie/discussion/comment/121662316#Comment_121662316

No it won't.

chrisd2019

https://www.boards.ie/discussion/2058332901/i-nudged-into-the-back-of-a-van-and-everyone-is-injured

Assuming you had valid insurance, send all correspondence to your insurance company and let them address it. I would not be saying to anyone that you were think you are at fault. The no tax is not for you to worry about, but it might indicate the Northern Van has other issues. 15k to repair light damage seems expensive.

tomhammer..

https://www.boards.ie/discussion/comment/121662339#Comment_121662339

I doubt that

I've dealt with investigators they're not stupid

Saying to the "best of your knowledge" you may as well nothing cos your saying you don't know for certain

You'll have to confirm definitely there was 1 and then you're caught in the lie if they find out

drunkmonkey

https://www.boards.ie/discussion/2058332901/i-nudged-into-the-back-of-a-van-and-everyone-is-injured

Did you see the crash beam behind the bumper? The bumper isn't designed to take the impact to save the car structure. Bumper could look fine but the bar behind more than likely crumpled.

As other posters have said the injuries can take some time to manifest and aren't always easily treatable.

In your case just refer them to your insurance company. The accessor from your insurance company should settle any damage repair. The same applies to any personal injury claims.

T-Maxx

Dash cams are everywhere nowadays. You'll look really stupid if you say there was only one person and they prove otherwise. Don't lie in an affidavit.

tomhammer..

https://www.boards.ie/discussion/comment/121662439#Comment_121662439

It won't work any way

"Probably 1 " is worthless

An investigator will want that clarified one way or another

Y'all just end up saying " I can't be sure there was 1" when they quiz U on it and that's the end of it there was actually 3

Ya may as well say nothing

Saying "certain" is a flat out lie and can get u in trouble

Sono

https://www.boards.ie/discussion/comment/121661524#Comment_121661524

Wrong, tax has nothing to do with the facts here, OP crashed into someone else and is at fault, tax issue is a matter for the Gardai if they are arsed.

Allinall

https://www.boards.ie/discussion/comment/121661681#Comment_121661681

OP. Northern Ireland cars/ vans don’t have tax discs.

You need to let go of that angle.

Let your insurance deal with any claims

Thats what you pay them for.

Kaisr Sose

It is very concerning that in a post where the validity of claims by the occupants of a vehicle that on the facts presented was not a big impact is being replied to with advice to the OP to lie, mislead, fudge etc.

For some people morality, honour, honesty are obviously considered unimportant qualities.

@MakersMark how would you feel if someone caused you financial loss by behaving in the manner you are advising the OP to act? Sometimes, when you have nothing of value to add, it's best to say nothing.

User567363

If it was me i would do the same, when i was in school a girl in my class was in an accident but she was not hurt, soliciter got her 10k anyway, and a % for himself, she partied it all over about 3 years, 25 years later she is going to physio 2 or 3 times a month try to sort out back and neck pain, first thing physio asked was if she was ever in a car crash

funkey_monkey

https://www.boards.ie/discussion/comment/121661722#Comment_121661722

Brass necks are resilient.

bazz26

Some things in this story don't add up to me:

• How did they get your address to send you a solicitor's letter?
• Why did the solicitor write directly to you with the claim and not go through your insurance company?

Kaisr Sose

https://www.boards.ie/discussion/comment/121662899#Comment_121662899

Maybe while partying she fell off a swing with a glass in one hand ànd a few drinks already taken ...

Anyone is entitled to claim if they are injured, and have two years to submit it. Thats a long time and a soft tissue whip lash injury will manifest some symptoms by then. Unless it's clear life changing injury, the compensation will never cover rest of life, which is just as likely to be impacted by other events, such as predisposition to pain, degerative conditions, and just getting old ..

Jim2007

https://www.boards.ie/discussion/comment/121662282#Comment_121662282

When you don’t understand insurance law it really is better you keep your advice to yourself, it’s less embarrassing.

greasepalm

I would ask why were no photos taken of both vehicles at the time as that amount of damage i would have thought more visible on your car.

I am aware plastic bumpers go in and out and hide what's behind

Hellrazer

https://www.boards.ie/discussion/comment/121662936#Comment_121662936

Was just thinking the exact same thing. If its going through insurance the other insurance company might not even have your name - usually its referred to as the "insured" and "third party" in any documentation Ive ever dealt with.

Maybe the OP agreed to try pay cash for the repair initially and gave the other driver his contact details??

Kaisr Sose

https://www.boards.ie/discussion/comment/121662936#Comment_121662936

I was wondering how they got his address too. Good idea to ask. I just assumed it was an amicable scene and OP gave his details but not his insurance. I would never recommend giving home address.