Motor Car accident claim

M

MarySmyth

Guest
Friend's daughter making claim against insurer of man who crashed into her. She advised that he had smell of drink. 2 witnesses. No police called.

His insurer want to see the damage. 2 quotes awaited from local garages, who advised that damage is more than value of car. Does anyone know what happens?

Also, girl took 1 week off work, due to nerves/ shock- did not go to doctor- now back at work. Not paid by employer. Can she include this in claim?
 
She is obliged to report the accident to her insurance company who will deal with the matter. Her insurance company may well wish for her to use their preferred repairer and she will need to clear this with them before proceeding.

Unfortunately she appears to have made a few mistakes already in not calling the Gardai when she smelt drink off the driver and in not attending her doctor when she was off work.
 
Clarify

Please clarify re insurer- as she has contacted the other driver's insurance and requested to get 2 quotes. etc

Now insurer today phone to say that driver of other car has offered to repair himself, as he appears to work in a garage

Can anyone advise
 
MarySmyth said:
Please clarify re insurer- as she has contacted the other driver's insurance and requested to get 2 quotes. etc
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Sure - go and get the quotes.
MarySmyth said:
Now insurer today phone to say that driver of other car has offered to repair himself, as he appears to work in a garage
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You'll have to gauge that for yourself - but she will want her car returned to the original condition it was in prior to accident. i.e. be careful that you don't end up with a bodge job done on it.

I would imagine there's nothing stopping you/her going to a garage that you know yourself and getting it sorted through someone you trust (once the insurance company give you the go ahead).
 
As already mentioned she is obliged to report the accident to her insurance company and get their advice. If the car is a possible write-off she definitely needs the guidance/approval of her insurance company.
 
If it is a write off she will get the market value from the insurance company, if you have spent money recently on repairs the market value is never what it is worth to yourself, but at least you are in a good position to buy from a garage without a part exchange, they will drop their price if you bargain.
You may be able to claim for some lost work and a few days hire of another car.
Contact your insurance company, if the other guy fixes it you will not get these extras.
 
If it were me, I'd only deal with the insurance company and look for either a full repair or the best cash settlement I could get for a write-off. Smell of drink is an irrelevant detail and as she didn't go to the doctor I doubt she has any claim there.
 
It is incumbent on us all to report drink driving. The OPs friends daughter should have called the garda to ensure that the other driver at the very least got a fright and at best got done for drink driving.
 
dereko1969 said:
It is incumbent on us all to report drink driving. The OPs friends daughter should have called the garda to ensure that the other driver at the very least got a fright and at best got done for drink driving.
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Indeed. Smell of drink is an irrelevant detail at this point.
 
Insurance

Thanks everyone for the info. Yes, quotes got- including one via insurer's appointed garage- who submit directly.

Also, went to doctor - as not sleeping properly since accident- not driving, etc with nerves. Doctor prescribed zanax and to review.

Additional cost - as was off work and phone bills, etc

Would she be advised to go to a solicitor?
 
She should go and ask her insurance company they will help her out and yes she can claim.
 
Her insurance company will not help her make a claim against another party. You should contact the third parties insurer directly as it appears you already have to advise them you intend to claim for this and that there was injury involved.
 
Sue Ellen said:
As already mentioned she is obliged to report the accident to her insurance company and get their advice. If the car is a possible write-off she definitely needs the guidance/approval of her insurance company.
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Doesn't this depend on who she claims off? If she wants to claim off her own comp policy, then yes, she should contact her own insurance company. This will probably be less hassle for her. However, she may well lose her 'no claims bonus', unless she has this protected.

If she wants to claim directly off the other insurance, she can do this - and keep her no claims bonus intact. This would be more hassle for her.
 
Complainer said:
Doesn't this depend on who she claims off? If she wants to claim off her own comp policy, then yes, she should contact her own insurance company. This will probably be less hassle for her. However, she may well lose her 'no claims bonus', unless she has this protected.

If she wants to claim directly off the other insurance, she can do this - and keep her no claims bonus intact. This would be more hassle for her.
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You are getting confused between two separate things. Your policy states that you declare any accidents to your insurance company whether you intend to claim off them or not. If you do this and then continue to make a claim directly off the third party then you would not lose your no-claims bonus. All you are doing is merely complying with the terms and conditions of the policy.
 
She has to report it to her insurers. what is she waiting for. she did not go to the doctor, did not report the matter to her employee, has delayed the matter for some time now, her case seems to be getting weaker with time. she must hurry up.
 
MarySmyth said:
...Now insurer today phone to say that driver of other car has offered to repair himself, as he appears to work in a garage...
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They would be crazy to accept that.

I assuming she would need a medical report from a doctor to claim for the time off and costs incurred for that. Unlikely to get that going to a doctor now.

Claim of the other insurance. Get official quotes for the cost of repairing the car.
 
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