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Hi all,
Vanilla are planning an update to the site on April 24th (next Wednesday). It is a major PHP8 update which is expected to boost performance across the site. The site will be down from 7pm and it is expected to take about an hour to complete. We appreciate your patience during the update.
Thanks all.

What is the best thing to do?

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Comments

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    #32
    Eggs For Dinner
    Registered Users Posts: 2,935 ✭✭✭Eggs For Dinner


    Trying to settle privately rarely works out. Usually ends up with the other party reneging and saying their mates cousin can fix it for €50.

    You have reported it to your insurer as you are required to do. You have 2 options on how to proceed.

    1). Claim for your repairs under your own policy and have them seek recovery from the 3rd party. Until recovery is achieved, this is treated as a claim on your policy, which may impact your bonus and premium. You will also have to bear the policy excess. Your insurers will tag on the policy excess to their recovery and, if successful, forward this on to you when funds are received.

    2). Claim directly from the 3rd party for your loss. Best option if liability is not disputed or you have good supporting evidence. Your insurer will not do this on your behalf as they have no right to do so unless they have paid out as per option 1. Some brokers, however, offer this service for their clients. In addition, there are specialist solicitors out there who will do this for you and add their fee on to the claim against the 3rd party


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    #33
    Eggs For Dinner
    Registered Users Posts: 2,935 ✭✭✭Eggs For Dinner


    cailin. wrote: »
    I have information which suggests she isn't insured. No wonder she wanted to try settle herself.

    If you verify that she was uninsured, the procedure is different. Assuming you have comp cover, the MIBI Protocol is for your insuer to handle the claim but they DO NOT affect your NCB or premium. You apply directly to the MIBI to recover your policy excess (bit of a slow process)


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    #34
    cailin.
    Registered Users Posts: 112 ✭✭cailin.


    Eggs For Dinner wrote: »
    If you verify that she was uninsured, the procedure is different. Assuming you have comp cover, the MIBI Protocol is for your insuer to handle the claim but they DO NOT affect your NCB or premium. You apply directly to the MIBI to recover your policy excess (bit of a slow process)


    Yes this is the route I now have to go. I have comp cover thankfully.

    Tough lesson learnt!


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    #35
    Eggs For Dinner
    Registered Users Posts: 2,935 ✭✭✭Eggs For Dinner


    cailin. wrote: »
    Yes this is the route I now have to go. I have comp cover thankfully.

    Tough lesson learnt!

    Make sure that it's not just hearsay that she was uninsured. Your insurer will require official confirmation of this.

    It's a good result for you, in a way, as your own insurer will effect repairs promptly.


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    #36
    seagull
    Registered Users Posts: 2,340 ✭✭✭seagull


    Get back to the gardai and tell them she is refusing to provide her insurance details. They should chase up on that to determine whether she is insured, and provide you with the details if she is.

    Even if she does have insurance, given that she was driving unaccompanied on a learner permit, her insurance may refuse to indemnify her, in which case she'll wind up having to repay them whatever they have paid out. She's really stupid to start playing silly buggers. It's now going to wind up costing her more, and possibly being unable to get insurance in the future.


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    #37
    Marcusm
    Registered Users Posts: 10,184 ✭✭✭✭Marcusm


    cailin. wrote: »
    Thanks for reply.

    Just a thought? Should I not be claiming off their insurance? I am fully comp and have directed my own insurer not to take over this as a claim.

    The other driver has refused to supply their policy details so I'm presuming I will have to go to Gardai.
    Also, it is also likely the insurance company will consider my car an insurance write off given the estimated cost of repairs. What options do I have then?
    These things are such a headache.

    If they have refused to provide their insurance details then they have committed an offence. Make it clear you are willing to wait one hour and no longer for their details. The law makes it clear; if there is property damage (not personal injury) then it is an offence to leave the site of the collision without providing details.


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    #38
    Gooser14
    Registered Users Posts: 1,551 ✭✭✭Gooser14


    The OP said she is a novice driver not a learner so she is entitled to be unaccompanied.


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    #39
    whomitconcerns
    Registered Users Posts: 4,309 ✭✭✭whomitconcerns


    Guards and insurance from now on. Stop engaging with the other party directly. You’re wasting your time


This discussion has been closed.
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