hi,
i was the driver in a car accident a week ago and our car is now a write off.
the gardai have told me that the other driver was 100% at fault. he was also drunk.
i have comp insurance and my broker has offered to pursue the claim and has said they will reinstate my no claims bonus if the 3rd parties insurer covers their costs.
however from what ive read if i do this i risk increasing my premium if the broker changes insurer(as they do all the time) as they would have to disclose my claim.
how should i pursue this?
... should i employ a solicitor to deal directly with the other drivers insurer to avoid claiming initially on my own insurance?
... if i do this will their costs be covered?
... what about a rental car, will this be covered?
... and what about all the other costs, car storage, disposal etc?
i cant find any information on claiming directly so any help would be most appreciated.
thanks in advance,
colm
i was the driver in a car accident a week ago and our car is now a write off.
the gardai have told me that the other driver was 100% at fault. he was also drunk.
i have comp insurance and my broker has offered to pursue the claim and has said they will reinstate my no claims bonus if the 3rd parties insurer covers their costs.
however from what ive read if i do this i risk increasing my premium if the broker changes insurer(as they do all the time) as they would have to disclose my claim.
how should i pursue this?
... should i employ a solicitor to deal directly with the other drivers insurer to avoid claiming initially on my own insurance?
... if i do this will their costs be covered?
... what about a rental car, will this be covered?
... and what about all the other costs, car storage, disposal etc?
i cant find any information on claiming directly so any help would be most appreciated.
thanks in advance,
colm