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EI8YU
Guest
Two years ago we were up in Derry and were parked in a council car park.
As my wife was reversing out of our spot, someone driving the wrong way around the car park hit our car. The impact speed was very low, a snails pace. No one was visibily hurt.
Everyone got out of their cars, dents were observed and photos were taken. The other party called in her dad who really didn't want us calling the police.
Our view was that the other party was at fault and we had no qualms handing over our details, they refused to hand over theirs.
Back in Dublin a week later we get a letter directly from their solicior claiming neck injuries and stress etc, etc. Our insurer also tells us that a claim was made against my wifes policy.
Our insurer hired an accidnent investigator who compiled a report based on ROI law and not NI law - there is a big distinction in who gets the blame for such accidents in these situations.
Yesterday we got a letter saying our insurer had paid out €6,500 for injury and €3,500 for legal fees. They put up no fight.
We have a big issue with this because we have pictures showing the other persons car pointing against the flow of traffic and directional arrows in the car park and also showing her lifting her 6 year old son straight after the accident, when she had claimed to be suffering from agonising neck and spinal pain. We also have major issues with the investigaor our insurance comapny hired. He got his jurisdictions cofused and insisted on buying our 9 month old son underwear, something we found a bit creey.
We know in hindsight we shoudl have called the police, but what's done s done. We'll know better if anythign similar happens again. I spoke to a PSNI officer who said he would have charged the other party with dangerous driving had they have been called out.
Now that our insurers have paid out is there anything we can do? They can pay out all they want as far as we are are concerned, but not if it affects my wifes premiums which it probably will.
Are we stuck with this situation now?
Thanks!
As my wife was reversing out of our spot, someone driving the wrong way around the car park hit our car. The impact speed was very low, a snails pace. No one was visibily hurt.
Everyone got out of their cars, dents were observed and photos were taken. The other party called in her dad who really didn't want us calling the police.
Our view was that the other party was at fault and we had no qualms handing over our details, they refused to hand over theirs.
Back in Dublin a week later we get a letter directly from their solicior claiming neck injuries and stress etc, etc. Our insurer also tells us that a claim was made against my wifes policy.
Our insurer hired an accidnent investigator who compiled a report based on ROI law and not NI law - there is a big distinction in who gets the blame for such accidents in these situations.
Yesterday we got a letter saying our insurer had paid out €6,500 for injury and €3,500 for legal fees. They put up no fight.
We have a big issue with this because we have pictures showing the other persons car pointing against the flow of traffic and directional arrows in the car park and also showing her lifting her 6 year old son straight after the accident, when she had claimed to be suffering from agonising neck and spinal pain. We also have major issues with the investigaor our insurance comapny hired. He got his jurisdictions cofused and insisted on buying our 9 month old son underwear, something we found a bit creey.
We know in hindsight we shoudl have called the police, but what's done s done. We'll know better if anythign similar happens again. I spoke to a PSNI officer who said he would have charged the other party with dangerous driving had they have been called out.
Now that our insurers have paid out is there anything we can do? They can pay out all they want as far as we are are concerned, but not if it affects my wifes premiums which it probably will.
Are we stuck with this situation now?
Thanks!