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Process following an RTC with a public service vehicle

  • 29-10-2024 04:35PM
    #1
    giseva
    Registered Users, Registered Users 2 Posts: 393 ✭✭


    Hi all,

    I was involved in an RTC with a public service vehicle. My car was impacted, side-on. Without going in to too much detail, the driver was 100% at fault and dangerous is the only word for what happened.

    After the collision I took photos of both vehicles and exchanged details. I notified my insurance company, and I've had my car in for repair quotes at two different businesses, which I should have this week.

    Does anyone know what the process is and how long it takes to get my car repaired and or reimbursed if I have to pay initially?

    Visible damage is one thing, but the impact could have damaged my car in other ways. I don't feel I should be driving the car as it is given the jagged edges left after the impact.

    I want to get a vehicle health check carried out to determine if there is any other damage I can't see, my rear left wheel took some of the impact.

    Will I be on the hook for this vehicle check, in addition to the cost of a hire car for however long the repairs take?

    I believe that public service vehicles are insured by IPB who don't have great reviews so that's not filling me with confidence.



Comments

  • #2
    Kimbot
    Moderators, Computer Games Moderators, Social & Fun Moderators Posts: 19,068 Mod ✭✭✭✭Kimbot


    Surely the 2 places you bring it too will assess the car in full including "unseen" damage.



  • #3
    giseva
    Registered Users, Registered Users 2 Posts: 393 ✭✭giseva


    I'd have thought so, I didn't think to ask. Both were concerned with the visible damage, and less so with minor marks surrounding the impact area. I'm sure all those marks will be addressed wherever I decide to bring it to.

    Although they were a main dealer and reputable cash repair company I had the car in with, am I better off hiring an assessor to look at the car?

    There was talk of welding in a new section of the body work and spraying it where it's beyond repair. Not sure how that'll look. I'm worried about the car depreciating more so than it would have prior to the RTC. It's a 2017 car, so not new, but it's new to me as I only have it a few months.

    My insurance company, or rather the guy who took the call, wasn't a whole lot of help either.



  • #4
    L1011
    Registered Users, Registered Users 2 Posts: 75,483 ✭✭✭✭L1011


    The insurer will depend on what public service it was - some are not insured at all as such, but covered by the State Claims Agency



  • #5
    Kimbot
    Moderators, Computer Games Moderators, Social & Fun Moderators Posts: 19,068 Mod ✭✭✭✭Kimbot


    I would await the insurance assessors report, no need to get your own assesor onto it. If you bring it to a crash repair they will know what to look for with regards subframe etc and advise on same.



  • #6
    coylemj
    Registered Users, Registered Users 2 Posts: 26,063 ✭✭✭✭coylemj


    OP, can you be more specific about what type of PSV this was. Privately owned taxis, hackneys and wedding limos are all PSVs as are buses operated by Bus Eireann, Dublin Bus and Go-Ahead Ireland.



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  • #7
    giseva
    Registered Users, Registered Users 2 Posts: 393 ✭✭giseva


    https://www.boards.ie/discussion/comment/122779532#Comment_122779532

    Army



  • #8
    coylemj
    Registered Users, Registered Users 2 Posts: 26,063 ✭✭✭✭coylemj


    https://www.boards.ie/discussion/comment/122781083#Comment_122781083

    OK, you called it a 'public service vehicle' which is the legal term for a vehicle which is used for the transport of passsengers for hire or reward. Which would includes taxis, hackneys and buses.

    You mentioned IPB, I think they provide cover for local authorities and semi-state bodies but if this was an army vehicle, it's directly owned by a Govt. department so you'll probably have to deal with the State Claims Agency…

    https://stateclaims.ie/



  • #9
    galwaytt
    Registered Users, Registered Users 2 Posts: 12,734 ✭✭✭✭galwaytt


    https://www.boards.ie/discussion/comment/122781083#Comment_122781083

    you won't be dealing with any insurance company then, you'll be dealing with the State Claims Agency, as the State self-insures it's own vehicles.

    We had a severe crash caused by a garda car that lost control a number of years ago. We refused our insurance company to deal with it, and dealt with the State Claims Agency directly. After a bit of to-ing & fro-ing, including a low-ball offer, we gave them a number they needed to write a cheque for and we had it within a week.

    Easist misfortune we've ever had to deal with, and credit to the people involved. It's how insurance companies should operate, but don't.

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



  • #10
    Eggs For Dinner
    Registered Users, Registered Users 2 Posts: 3,259 ✭✭✭Eggs For Dinner


    https://www.boards.ie/discussion/comment/122946783#Comment_122946783

    So your solution to high insurance costs is to let claimants pluck a figure out of the air and have insurers bend over? Not forgetting that if you are the poor unfortunate to have caused the accident, that figure attaches to your claims experience. Yeah, that system will work



  • #11
    galwaytt
    Registered Users, Registered Users 2 Posts: 12,734 ✭✭✭✭galwaytt


    https://www.boards.ie/discussion/comment/122948102#Comment_122948102

    Show me where I said any of that.

    The State Claims Agency won't chuck you a big number. Anything you are offered will be Nett, unlike a number from your insurer. And you negotiate.

    Claims settled by the SCA don't affect anyone's insurance.

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



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