The Gardaí are correct, and I'd say it's practically certain that the insurance company will choose to settle it on a 50/50 basis (which they can do regardless of either of your wishes). That way you'll both lose your NCB and they'll recoup the damages (and perhaps more) by upping both your premiums over the next few years. It's just business.The Gardai said that if one member does not accept responsibility for the incident then it is up to the insurance company to decide. I gave the details to my insurance company (which subsequently is the same insurance company) She had said to me that it appears to be a 50 50 case.
I accept the 50 50 scanerio as we were both at equal fault, but she won't she believes I am at fault, and wants to get an investigator.
I wish to fix my car myself without going through the insurance, what are your opinions, is it 50 50, am I at fault?
The Sphinx
If the damage can be repaired at reasonable cost without making an insurance claim, you'll probably both save money
It seems pretty clear that she plans to claim against your policy, not hers! But unless she has very strong (video?) evidence, it's her word against yours. Why would the insurance company take itself to court (and incur expense) when it can just rule 50/50 on the liability and recoup the monies from both of you?...she believes I am at fault
My neighbour by the sounds of it wishes to claim of the insurance, can i fix my own car - and she can claim away with her own insurance, or does she have to claim of my own insurance. I don't see why I have to be penalised if i don't wanna make a claim.
Is the damage to her car likely to cost a lot more to repair than yours? Or is her car a lot newer/more expensive?
She obviously wants to claim off your policy to preserve her own NCB. Are you both comprehensively insured with NCB protection?
My experience with a same company crash was that the insurance company disagreed with the Gardai as to who was at fault and didn't pay out - which suited them of course. Neither party had comprehensive insurance at the time so it was a 3rd party claim.
Both me and my neighbour were reversing from our driveways the other morning. On Reversing our cars collided
Must've been a collision at some reversing speed to leave the bumper hanging off?!I want to get this sorted as quickly as possible my car is 2008 and it is hateful driving around in it with the rear bumper hanging off...
you also admit to looking out the front rather than the back and that both you and your friend heard her horn but didn't stop (unless that was a typo) so it would again seem to me to be your fault.
presumably if you hit into her driver side rear door she was 'there' before you unless she was reversing at some speed so i would have thought it was more your fault than hers
Must've been a collision at some reversing speed to leave the bumper hanging off?!
it might seem like semantics but, if by your own admission you were reversing back while looking forward then technically you were'nt looking where you were going. I know you're going to come back and say you only looked away for a milli-second, but in that milli-second you're cars collided, what if it had been a child that ran out in that instance?While I was taking the turn from the drive i looked around the front of the car
We haven't heard her version of events!but if both versions of events were read out in a court of law, yours looks more shaky than hers.
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