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First ever crash, should I go through insurance or not?

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  • 16-03-2020 6:24pm
    #1
    tjc28
    Registered Users Posts: 293 ✭✭


    Hi,

    Had my first ever crash yesterday. I wasn't paying attention as I exited a garage and rear ended a car. Some damage done to both cars. Not sure of what mine will cost but I'll need a new headlamp and some body work and the other car got a quote of €700. They have offered me the option of paying for it and avoiding the insurance company but I'm unsure what to do.
    Any advice?


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    #2
    _Brian
    Registered Users Posts: 18,501 ✭✭✭✭_Brian


    It’s a tough call because nothing to stop them still lodging a claim against your insurance for personal injury, they have 2 years to do it.


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    #3
    Salary Negotiator
    Closed Accounts Posts: 1,148 ✭✭✭Salary Negotiator


    Notify your insurer and then get a quote for the repairs to your car.

    At least then you’ll know if you can afford the upfront cost of paying it yourself.


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    #4
    tjc28
    Registered Users Posts: 293 ✭✭tjc28


    yes I notified my insurance this morning. How does it work if I pay for his car to be repaired then in 12 months he opens a claim but I have a receipt for the work done?
    Anyone have an idea how much the average jump in a premium is after a claim goes on the policy?
    thanks for the replies so far.


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    #5
    colm_mcm
    Registered Users Posts: 73,390 ✭✭✭✭colm_mcm


    Given how common injuries resulting in compensation have gotten, I’d be inclined to go through insurance, get both cars repaired and be done with it.


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    #6
    El Gato De Negocios
    Registered Users Posts: 6,705 ✭✭✭El Gato De Negocios


    tjc28 wrote: »
    yes I notified my insurance this morning. How does it work if I pay for his car to be repaired then in 12 months he opens a claim but I have a receipt for the work done?
    Anyone have an idea how much the average jump in a premium is after a claim goes on the policy?
    thanks for the replies so far.

    The statute of limitations (the time a person has to make a claim) is two years. You could pay for the repairs then in 23 months the other party could decide to make a personal injury claim. Its a personal choice but if it were me I would let my insurer handle it.


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    #7
    SCOOP 64
    Registered Users Posts: 5,231 ✭✭✭SCOOP 64


    Is your NCB fully protected ?


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