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Comments

  • #62
    Del2005
    Registered Users Posts: 18,871 ✭✭✭✭Del2005


    coylemj wrote: »
    You only pay the other guy if you have a 100% guarantee that there will be no claim against your insurance. So you get him to sign in full and final settlement of all possible claims. Otherwise you'd be mad to hand over a cent.

    That piece of paper is worthless. You cannot sign away your rights, every disclaimer you see or sign in Ireland is the same, and they have several years to make a claim for personal injuries.


  • #63
    JeffKenna
    Registered Users Posts: 4,510 ✭✭✭JeffKenna


    coylemj wrote: »
    You only pay the other guy if you have a 100% guarantee that there will be no claim against your insurance. So you get him to sign in full and final settlement of all possible claims. Otherwise you'd be mad to hand over a cent.

    That wouldn't hold up at all. In fact, you're just putting ideas in his head.


  • #64
    Cordell
    Registered Users Posts: 5,772 ✭✭✭Cordell


    So pay up and get a receipt, and hope for the best. And if they decide to claim anyway you can use the receipt to reduce the amount by what you already paid.


  • #65
    coylemj
    Registered Users Posts: 25,326 ✭✭✭✭coylemj


    Del2005 wrote: »
    That piece of paper is worthless. You cannot sign away your rights, every disclaimer you see or sign in Ireland is the same, and they have several years to make a claim for personal injuries.

    If he claimed for whiplash and the insurance paid him off, they would do so on the basis that he signed a waiver to say that it was in full and final settlement of all claims.

    So what you're saying is not true. You can sign a piece of paper and that's the end of it. Otherwise, all of the insurance companies would be obliged to wait for the time limit to lodge a claim was reached and only then they would pay you for your initial claim, on the basis that you couldn't invent any new injuries.


  • #66
    coylemj
    Registered Users Posts: 25,326 ✭✭✭✭coylemj


    JeffKenna wrote: »
    That wouldn't hold up at all. In fact, you're just putting ideas in his head.

    You can be sure that plenty of his friends have already put those ideas in his head.


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  • #67
    Del2005
    Registered Users Posts: 18,871 ✭✭✭✭Del2005


    coylemj wrote: »
    If he claimed for whiplash and the insurance paid him off, they would do so on the basis that he signed a waiver to say that it was in full and final settlement of all claims.

    So what you're saying is not true. You can sign a piece of paper and that's the end of it. Otherwise, all of the insurance companies would be obliged to wait for the time limit to lodge a claim was reached and only then they would pay you for your initial claim, on the basis that you couldn't invent any new injuries.

    They have claimed for injuries and the damage, so have a much harder time coming back for more injuries but it's still possible if something comes up later. People do come back and can get a bigger payout.

    You are only paying for the damage and trying to say that they can't claim for injuries when they sign the document, the document is not legally enforceable as you can't sign away your rights.

    Edit.. Most insurance companies will pay the material damages straight away but it can take years for the personal injury payout part of the claim to be settled.


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