I've had a look online and assumed the information could be found but alas, I'm here now!
I was involved in a car accident in Dublin city centre last night, involving four cars. All four drivers exchanged details and the gardai were on the scene later and took note of everything. The last driver rear-ended the car behind me, which carried into my car and I bumped the car in front (no visible damage there, thankfully). Damage was not massive for any of the cars but the driver at the back admitted liability in any case.
Fast forward to this morning, I've logged the details with my insurer and they gave me the choice of a) making a claim on my own policy and they pursue the insurer of the driver at fault, or b) me contacting the driver's insurer directly and claiming directly (meaning my insurer wouldn't be involved).
I always assumed I wouldn't have to make a claim from my policy, if I do and the claim hasn't been resolved between the insurers when my renewal comes up (in 2 months) I won't be able to use my NCB?
For anyone that pursued a claim on car insurance claim before, what is the (best) process to follow?
I am going to call their insurer shortly anyway but I want to make sure due process is followed.
I was involved in a car accident in Dublin city centre last night, involving four cars. All four drivers exchanged details and the gardai were on the scene later and took note of everything. The last driver rear-ended the car behind me, which carried into my car and I bumped the car in front (no visible damage there, thankfully). Damage was not massive for any of the cars but the driver at the back admitted liability in any case.
Fast forward to this morning, I've logged the details with my insurer and they gave me the choice of a) making a claim on my own policy and they pursue the insurer of the driver at fault, or b) me contacting the driver's insurer directly and claiming directly (meaning my insurer wouldn't be involved).
I always assumed I wouldn't have to make a claim from my policy, if I do and the claim hasn't been resolved between the insurers when my renewal comes up (in 2 months) I won't be able to use my NCB?
For anyone that pursued a claim on car insurance claim before, what is the (best) process to follow?
I am going to call their insurer shortly anyway but I want to make sure due process is followed.