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Car hit, other driver drove off

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Comments

  • Banned (with Prison Access) Posts: 4,255 ✭✭✭Yawns


    Indeed it varies from policy to policy. Best bet is to read your policy and if still unsure just ring them. They will give you a definite answer.


  • Registered Users, Registered Users 2 Posts: 70,172 ✭✭✭✭L1011


    Sort of. You can be insured to drive another car but that car mush have its own policy.

    There is a reason I specifically dealt with that in my post - some insurers do not require any policy at all on the other car.


  • Registered Users, Registered Users 2 Posts: 5,652 ✭✭✭fasttalkerchat


    No it doesn't. My insurance allows me to drive a particular car I own and any car I don't own. There is no need for the car I don't own to have a policy attaching to it.

    Are you certain that it doesn't have to be insured? I didn't think any company here did that. Which insurer?


  • Registered Users, Registered Users 2 Posts: 70,172 ✭✭✭✭L1011


    Are you certain that it doesn't have to be insured? I didn't think any company here did that. Which insurer?

    Quinn, pre-buyout (not sure about now) and others. Absolutely 100% certain.

    There is no law on this - it is entirely down to the insurer.


  • Registered Users, Registered Users 2 Posts: 4,260 ✭✭✭mgbgt1978


    Guys, you are going way off topic here. this has been done to death on here before, a few insurers insist that the "other car" must have a policy in force.....most do not. It's very simple, they are covering the DRIVER, NOT THE CAR...3rd party only (unless you are lucky enough to have one of AXA's special policies which will cover you comprehensively on "other cars").
    Anyway, back to TBH's next update


  • Registered Users, Registered Users 2 Posts: 5,761 ✭✭✭el diablo


    mgbgt1978 wrote: »
    Guys, you are going way off topic here. this has been done to death on here before, a few insurers insist that the "other car" must have a policy in force.....most do not. It's very simple, they are covering the DRIVER, NOT THE CAR...3rd party only (unless you are lucky enough to have one of AXA's special policies which will cover you comprehensively on "other cars").
    Anyway, back to TBH's next update

    backseat mod. :rolleyes:

    We're all in this psy-op together.🤨



  • Registered Users, Registered Users 2 Posts: 23,572 ✭✭✭✭mickdw


    Are you certain that it doesn't have to be insured? I didn't think any company here did that. Which insurer?

    I was convinced that the other car had to have insurance too but this year on renewal, I was given free comprehensive driving of other cars with AXA as long as I dont own it and have not hired it etc. The other car does not have to have any policy whatsoever in force. The only exclusion is that 'high performance' cars are excluded. It is also mentioned that the car must be road legal - tax and NCT. I still didnt quite believe the insurance guy so I asked for and got a letter from them clearly stating the above in plain English.


  • Registered Users, Registered Users 2 Posts: 4,260 ✭✭✭mgbgt1978


    el diablo wrote: »
    backseat mod. :rolleyes:


    Careful now....Backseat Infractions freely given out to "Rolleye" users.:p
    Especially those who quote a complete post when they are the next poster.:rolleyes::rolleyes::rolleyes:


  • Registered Users, Registered Users 2 Posts: 52,748 ✭✭✭✭tayto lover


    All this just goes to show the minefield that is Insurance. It must be awful for a garda or anyone else to confirm for certain if someone is actually insured in an accident. This is an area that should be fixed for once and for all by law as there are too many anomalies. All insured persons should be on a central database.


  • Banned (with Prison Access) Posts: 1,950 ✭✭✭Milk & Honey


    Are you certain that it doesn't have to be insured? I didn't think any company here did that. Which insurer?

    Yes I am certain. The underwriter is Allianz.


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  • Closed Accounts Posts: 13,422 ✭✭✭✭Bruthal


    mgbgt1978 wrote: »
    Careful now....Backseat Infractions freely given out to "Rolleye" users.:p
    Especially those who quote a complete post when they are the next poster.:rolleyes::rolleyes::rolleyes:

    And how would you know for certain that you`re post is going to be the next post after the one you quote? Everyone else waits for you do they?


  • Registered Users, Registered Users 2 Posts: 4,260 ✭✭✭mgbgt1978


    Really. Twelve hours later and that is your reply.........




    ........anyway you might have distracted TBH so stay off the line please;)

    p.s. and they obviously wait another Eleven Hours for me to reply.


  • Closed Accounts Posts: 13,422 ✭✭✭✭Bruthal


    mgbgt1978 wrote: »
    Really. Twelve hours later and that is your reply.........


    p.s. and they obviously wait another Eleven Hours for me to reply.

    Good irony there:pac:


  • Registered Users, Registered Users 2 Posts: 1,368 ✭✭✭mumof2


    If the plan to make a movie out of this then the op's car could be called Herbie:D

    I loved the Herbie movies:D.

    Best of luck TBH, I've enjoyed catching up in the last hour!! Keep us posted - it's better than any Soap show on TV;)


  • Closed Accounts Posts: 15,914 ✭✭✭✭tbh


    In todays exciting installment: :D

    My insurance guy (who I couldn't be happier with, btw, my insurance company have been brilliant) has been trying to get the details off the other driver all week. I was convinced that she was just fobbing him off - all week she's been saying "ring back", but we've FINALLY got the insurers name and policy number!
    She is going to ring her insurance company today, and presumably get her side of the story in first, but my people will call her people this afternoon.

    Coming up in the next episode:
    -Will she even call her company?
    -Will her company contest the claim, or will they accept the evidence and admit liability?
    -Was she insured when she hit my car, or did she "just log on to save money" ( ;) ) in the last few days?
    -If she was insured, why didn't she just give the details to the guards when they asked?
    -If she wasn't insured, do we have to assume she may have been insured between her last policy expiring and her taking out this policy, or can we just for God's sake take the bitch to the cleaners now please.

    Stay tuned!


  • Registered Users, Registered Users 2 Posts: 22,382 ✭✭✭✭endacl


    tbh wrote: »
    In todays exciting installment: :D

    My insurance guy (who I couldn't be happier with, btw, my insurance company have been brilliant) has been trying to get the details off the other driver all week. I was convinced that she was just fobbing him off - all week she's been saying "ring back", but we've FINALLY got the insurers name and policy number!
    She is going to ring her insurance company today, and presumably get her side of the story in first, but my people will call her people this afternoon.

    Coming up in the next episode:
    -Will she even call her company?
    -Will her company contest the claim, or will they accept the evidence and admit liability?
    -Was she insured when she hit my car, or did she "just log on to save money" ( ;) ) in the last few days?
    -If she was insured, why didn't she just give the details to the guards when they asked?
    -If she wasn't insured, do we have to assume she may have been insured between her last policy expiring and her taking out this policy, or can we just for God's sake take the bitch to the cleaners now please.

    Stay tuned!
    When this ends, where are we all meeting for pints?


  • Moderators, Computer Games Moderators Posts: 11,139 Mod ✭✭✭✭Mr. Manager


    tbh wrote: »
    In todays exciting installment: :D

    ...can we just for God's sake take the bitch to the cleaners now please.

    Stay tuned!

    I vote for this option!


  • Registered Users Posts: 1,829 ✭✭✭KerranJast


    If she *was* insured when she hit you and has given the Gardai the run around for the sake of her no claims I hope they hit her hard.


  • Closed Accounts Posts: 7,669 ✭✭✭Colonel Sanders


    Don't you get a day out in court for your troubles if you don't produce documents?


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  • Closed Accounts Posts: 15,914 ✭✭✭✭tbh


    Don't you get a day out in court for your troubles if you don't produce documents?

    the guard did say the other driver would be summonsed, the question is, is that for not producing, or for not having, the documents. Based on everything that's happened, I'd say if the other driver goes to the guards and produces now, they'll probably let it drop.


  • Registered Users, Registered Users 2 Posts: 512 ✭✭✭Macers


    tbh wrote: »
    the guard did say the other driver would be summonsed, the question is, is that for not producing, or for not having, the documents. Based on everything that's happened, I'd say if the other driver goes to the guards and produces now, they'll probably let it drop.

    It will be for not having insurance. She has been given ample time to produce and has not done so.

    I'd be amazed if she does produce. Even still she'd have to produce documents to show insurance was in place at the time of the incident...not in place now...

    Whatever you do please don't let this go - it's people like her driving up car insurance prices...


  • Closed Accounts Posts: 7,669 ✭✭✭Colonel Sanders


    tbh wrote: »

    the guard did say the other driver would be summonsed, the question is, is that for not producing, or for not having, the documents. Based on everything that's happened, I'd say if the other driver goes to the guards and produces now, they'll probably let it drop.

    My wife was stopped one night on the way home. Hadn't her docs with her so was given the 10 days to produce. Did so & we thought that was the end of it.

    Not long after a summons came. Mix up in the Garda station. She called up & it was all sorted , Guard involved apologised etc. But she did originally get a summons when it was thought she hadn't produced


  • Closed Accounts Posts: 9,330 ✭✭✭Gran Hermano


    endacl wrote: »
    When this ends, where are we all meeting for pints?


    Naas, there is loads of free parking to accommodate us all.


  • Closed Accounts Posts: 7,669 ✭✭✭Colonel Sanders


    endacl wrote: »
    When this ends, where are we all meeting for pints?


    Naas, there is loads of free parking to accommodate us all.

    Ha!

    Remember to bring a few spare car jacks & hand wash!


  • Closed Accounts Posts: 15,914 ✭✭✭✭tbh


    Macers wrote: »

    I'd be amazed if she does produce.

    she's given us her policy number and insurance company. My guy is ringing them today..


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  • Registered Users, Registered Users 2 Posts: 52,748 ✭✭✭✭tayto lover


    tbh wrote: »
    she's given us her policy number and insurance company. My guy is ringing them today..

    My guess is that the policy is in her husband's name and that she is bluffing and not insured herself at all. Why would someone who is actually insured want to act the prat otherwise? She will play the old card " God, I really thought i was covered" and probably only has a Provisional licence too.

    At the end of "The Film" I want to be the one who says to the teary eyed old bag " Frankly my dear, I don't give a damn" as she is taken away in chains.


  • Registered Users, Registered Users 2 Posts: 2,574 ✭✭✭dharn


    and there was i thinking this had run it course, it has just got real interesting again, john grisham could not write stuff this good ,will definitely have to made in to a film


  • Closed Accounts Posts: 15,914 ✭✭✭✭tbh


    Well my friends, we've travelled a long road together but this is where we part ways, at least for a while. Just heard from my insurance company. Other driver took out her policy at 1745 on the 14th of May, six hours or so AFTER she'd dinged me. We now have confirmation that she wasn't insured when she hit me and she's as good as admitted she hit me by taking out the policy on the day. So my claim has been approved, car is in next week to be repaired and its been confirmed that the excess I pay will be refunded. Result!

    I'll let you know if I hear anything else in terms of action taken against the other driver and how long it takes to get the excess back. Thanks again for all the good wishes during the whole process and safe driving to ye all :)


  • Registered Users, Registered Users 2 Posts: 22,382 ✭✭✭✭endacl


    Result! Delighted for you tbh. What's in the pipeline for the next epic thread?


  • Registered Users, Registered Users 2 Posts: 17,875 ✭✭✭✭MugMugs


    I really hope she loses her licence.

    The fact she could afford to incept a policy post incident shows she could afford it in the first place and that she knew she was wrong for driving uninsured.

    Kudos tbh


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  • Registered Users, Registered Users 2 Posts: 6,824 ✭✭✭phill106


    tbh wrote: »
    Well my friends, we've travelled a long road together but this is where we part ways, at least for a while. Just heard from my insurance company. Other driver took out her policy at 1745 on the 14th of May, six hours or so AFTER she'd dinged me. We now have confirmation that she wasn't insured when she hit me and she's as good as admitted she hit me by taking out the policy on the day. So my claim has been approved, car is in next week to be repaired and its been confirmed that the excess I pay will be refunded. Result!

    I'll let you know if I hear anything else in terms of action taken against the other driver and how long it takes to get the excess back. Thanks again for all the good wishes during the whole process and safe driving to ye all :)

    Delighted! Did you ever post a pic of the damage? Maybe put up a before and after?
    Also that witness deserves a nice present or lots of karma points :)


  • Registered Users, Registered Users 2 Posts: 5,632 ✭✭✭TheBody


    Back of the net!! Glad it worked out for ya.


  • Registered Users, Registered Users 2 Posts: 428 ✭✭wayne0308


    Fantastic news! This woman sure was a slippery one. She got the insurance 6 hours after the incident? This was way before she knew she was caught right? I wonder if she saw the thread here on boards or was it just paranoia?

    Doesn't matter much now though as she's caught rotten. Congratulations on the great result. Hope the excess comes back to you without too much delay.


  • Closed Accounts Posts: 15,914 ✭✭✭✭tbh


    phill106 wrote: »
    Delighted! Did you ever post a pic of the damage? Maybe put up a before and after?
    Also that witness deserves a nice present or lots of karma points :)

    No - been waiting till the car gets fixed before posting any pics, just in case. The damage probably isn't as bad as you think, it really is only cosmetic. The guy doing the estimate summed up what I thought - It's nasty enough to need to be fixed, but not that bad that you have to fix it (if you know what I mean). I will post pics.
    wayne0308 wrote: »
    Fantastic news! This woman sure was a slippery one. She got the insurance 6 hours after the incident? This was way before she knew she was caught right? I wonder if she saw the thread here on boards or was it just paranoia?

    Assuming she didn't see the thread on boards, the first contact we would have had with her was two days later, when both my insurance company and the guards got in touch. She obviously knew she hit us.


  • Registered Users, Registered Users 2 Posts: 7,036 ✭✭✭Wossack


    wow, great ole read throughout, thanks for taking the time to keep us all informed tbh :)

    glad it all worked out so well for you, and so horridly for the hit-and-runner


  • Registered Users, Registered Users 2 Posts: 6,752 ✭✭✭brian_t


    tbh wrote: »
    The damage probably isn't as bad as you think, it really is only cosmetic.

    Maybe she took your Avatar (Tag) a bit too literally. :)

    "Ah sure no-one will notice, it's grand"


  • Registered Users, Registered Users 2 Posts: 512 ✭✭✭Macers


    tbh wrote: »
    Well my friends, we've travelled a long road together but this is where we part ways, at least for a while. Just heard from my insurance company. Other driver took out her policy at 1745 on the 14th of May, six hours or so AFTER she'd dinged me. We now have confirmation that she wasn't insured when she hit me and she's as good as admitted she hit me by taking out the policy on the day. So my claim has been approved, car is in next week to be repaired and its been confirmed that the excess I pay will be refunded. Result!

    I'll let you know if I hear anything else in terms of action taken against the other driver and how long it takes to get the excess back. Thanks again for all the good wishes during the whole process and safe driving to ye all :)

    Have you asked the guard if she is being prosecuted? She could have been driving for months without insurance...


  • Closed Accounts Posts: 15,914 ✭✭✭✭tbh


    Macers wrote: »
    Have you asked the guard if she is being prosecuted? She could have been driving for months without insurance...

    she is being prosecuted alright.


  • Registered Users Posts: 34 mimsy


    tbh wrote: »
    Well my friends, we've travelled a long road together but this is where we part ways, at least for a while. Just heard from my insurance company. Other driver took out her policy at 1745 on the 14th of May, six hours or so AFTER she'd dinged me. We now have confirmation that she wasn't insured when she hit me and she's as good as admitted she hit me by taking out the policy on the day. So my claim has been approved, car is in next week to be repaired and its been confirmed that the excess I pay will be refunded. Result!

    I'll let you know if I hear anything else in terms of action taken against the other driver and how long it takes to get the excess back. Thanks again for all the good wishes during the whole process and safe driving to ye all :)

    Delighted you've gotten to the bottom of it for once and for all.

    Since the insurance company now know she isn't covered for this accident how will they recoup the costs of the repair to your car? Will they claim through the uninsured drivers policy they have? If so will it left as an outstanding/open claim on your policy?
    Genuinely curious how this is done - especially on such an open and shut case as your own.

    Well done again!


  • Closed Accounts Posts: 15,914 ✭✭✭✭tbh


    mimsy wrote: »
    Delighted you've gotten to the bottom of it for once and for all.

    Since the insurance company now know she isn't covered for this accident how will they recoup the costs of the repair to your car? Will they claim through the uninsured drivers policy they have? If so will it left as an outstanding/open claim on your policy?
    Genuinely curious how this is done - especially on such an open and shut case as your own.

    Well done again!

    claims guy said that they go after her for it, but he said the most usual thing that happens is that the court will award them the cost, but she won't have the money to pay. Not sure what happens after that. My excess gets refunded from the MIBI.


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  • Registered Users, Registered Users 2 Posts: 5,632 ✭✭✭TheBody


    Will this affect your no claims bonus?


  • Registered Users, Registered Users 2 Posts: 7,036 ✭✭✭Wossack


    TheBody wrote: »
    Will this affect your no claims bonus?

    I highly doubt it, as he's claiming off someone elses, rather then someone claiming off his


  • Registered Users Posts: 324 ✭✭rob180


    Delighted to hear this, hope they throw the book at her in court.


  • Closed Accounts Posts: 15,914 ✭✭✭✭tbh


    TheBody wrote: »
    Will this affect your no claims bonus?

    No.


  • Registered Users, Registered Users 2 Posts: 884 ✭✭✭cats.life


    omg op, ive read this since the start of your thread now i can cook lunch for me kids:D,what a bitch, have you kept in contact with witness to tell that you got her?id say witness would laugh her head off.. so glad you stuck to your gunns and done the right thing, to many has gotten away with it. people who do that should not be driving at all,wheelbarrow would suit them better, now i realy must go and again best of luck with fixed car;)


  • Banned (with Prison Access) Posts: 4,255 ✭✭✭Yawns


    Also the fact that she took out this insurance policy after she had hit someone, it is highly unlikely she divulged that she had an accident in the last 5 years when she was taking it out. That would mean her insurance company will cancel her policy or heft the premium up. If it gets cancelled it's once for her as they all ask if you have ever had a policy cancelled by an insurer before. If so what reasons etc. She'll be screwed for a few years.

    She'll prob lie again and if she gets found out like what happened here I hope she gets banned. She should get banned now anyway for not driving with insurance and taking the policy out afterwards. Hope a good judge sees through her.


  • Banned (with Prison Access) Posts: 16,620 ✭✭✭✭dr.fuzzenstein




  • Closed Accounts Posts: 34,418 ✭✭✭✭hondasam


    tbh wrote: »
    the guard did say the other driver would be summonsed, the question is, is that for not producing, or for not having, the documents. Based on everything that's happened, I'd say if the other driver goes to the guards and produces now, they'll probably let it drop.

    She will be summonsed for Non production and Non display and now with having no Insurance.
    She will get her day in court for sure.

    well done, is the guard off the hook now?


  • Closed Accounts Posts: 15,914 ✭✭✭✭tbh


    hondasam wrote: »
    tbh wrote: »
    the guard did say the other driver would be summonsed, the question is, is that for not producing, or for not having, the documents. Based on everything that's happened, I'd say if the other driver goes to the guards and produces now, they'll probably let it drop.

    She will be summonsed for Non production and Non display and now with having no Insurance.
    She will get her day in court for sure.

    well done, is the guard off the hook now?

    Well in as much as I don't need to hassle her anymore, she is :)


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  • Closed Accounts Posts: 34,418 ✭✭✭✭hondasam


    tbh wrote: »
    Well in as much as I don't need to hassle her anymore, she is :)

    Looks like your woman is good at avoiding everyone but she was caught out in the end and her insurance company could cancel her policy if she did not tell them the truth which she probably didn't.


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