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  • 15-05-2007 11:34pm
    #1
    ScouseMouse
    Closed Accounts Posts: 5,070 ✭✭✭


    No names mentioned to avoid any hassle ok mods??

    Two years ago an old lady crashed into me on a roundabout. I contacted her insurance company - a big well known irish one, and put it in writing that she was wrong but accidents happen. I would be willing to forget about it if they fixed my car. The damage was 900 euro. I was injured phyically and mentally (nerves and nightmares - I am also a biker) but didnt want the hassle. After a couple of letters from me to them and vice versa, they said it was 50/50 so, no way. Even when I sent them a copy of the rules of the road for a roundabout they still said no.

    I then told them I would take it further and asked them again to pay for the damage and it would be a full and final settlement. (legal term for finished - unable to be opened again) They said no again.

    So.... After two years of doctors, well known personal injury solicitor in Dublin, and the Personal Injuries Assessment Board, I have been awarded a five figure sum which the insurance company have legally accepted and agreed to pay.

    Happy days you think? not quite, I am not a leach, I did not want any of this but the insurance company forced it this way.

    I am seriously considering writing to the MD of the company and telling him this story. I believe that the claims people have a case to answer to their bosses, or even deserve to be sacked. Is it any wonder the insurance is so expensive in this country. What do you reckon? Maybe the policy is to hope it will just go away and perhaps this policy is official company policy..... This is a company that pulled out of a certain segment of the irish market as it was unprofitable!!!!


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    #2
    drdre
    Closed Accounts Posts: 8,245 ✭✭✭drdre


    Do write to them but theres no point now, You have your money and you deserve it if you were ill and if you paid doctor's from your own money.


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    #3
    IrishRover
    Closed Accounts Posts: 602 ✭✭✭IrishRover


    Yeah, write to them and see what they say. Would be interesting to hear what their response is if any. The trouble these days is, like with loads of jobs, you actually have unqualified and poorly educated people working in companies who masquerade as competent employees. :)

    The other thing is that they have gotten rid of a lot of the qualified and intelligent people, and they now have computer systems where they just punch in the details and the computer says what the case is worth and what to do. No room left for humans to take into account factors that can't easily be inputted into the computer's calculations, or at least provisions aren't made to allow this. With the result that you have the intelligent people who know what to do, and feed the computer with what they need to in order to get the result they know is what they need, simply to get the necessary ok to proceed like they would have anyway for however many years they were doing the job before the computer system was introduced. The rest of the people working there just go "computer says no" as in the unhelpful clerk in Little Britain.

    You sound like one of the rare people in Ireland who aren't out to get rich quick these days. Fair play to you for at least trying to do the right thing. I completely understand your bewilderment at being frustrated in your attempts to do so!


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    #4
    mikedragon32
    Closed Accounts Posts: 6,939 ✭✭✭mikedragon32


    I fully agree with you superscouse.

    There's an unhealthy element to the claims culture here that doesn't get highlighted.

    Many years ago, I got knocked off my bike by a car that turned left across my path. I just wanted money to replace my bike (£300 at the time), but because I'd gone to have my knee checked, cleaned and dressed in A&E as it was badly cut, the driver's insurance co insisted I see their nominated specialist.

    Anyway, they wouldn't pay. I went to see a solicitor, reminding him that all I wanted was the money for the bike and I wasn't bothered about the scars on my knee.

    I ended up with a settlement for over £5000 (at a time when you could buy a house for about £25k in Tallaght, to put it into perspective).

    Similarly to your story, if they'd done what I asked, when I asked, they would have saved a heck of a lot of money and no doubt the driver's insurance shot up too.

    Perhaps the logical course of action would be to see if you can sort it amicably with the other party before seeking to settle with the insurance companies. If you can't sort it with them and then the insurance co don't play ball, then what option do you have but to go down the legal route?

    It makes you wonder though how many claims they have on file that they refused to settle privately before getting screwed over in the courts for a lot more than was initially sought.


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    #5
    junkyard
    Closed Accounts Posts: 4,579 ✭✭✭junkyard


    I'd say you should write to them too, I see this kind of thing every day and wonder how insurance companies make money!! If they settled the claims quickly and efficiently ( like Quinn direct) they'd save millions for themselves and their customers. Most insurance companies drag their heels and stall paying out at every turn.


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    #6
    BrandonBlock
    Closed Accounts Posts: 570 ✭✭✭BrandonBlock


    People who handle Quinn-Direct claims don't need any kind of degree/college qualification besides their LC. You have these straight out-of-school 18 yr old bimbos thinking they're actuaries.

    (Had bad experience with QD, won't go into detail!)


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    #7
    Leon11
    Closed Accounts Posts: 578 ✭✭✭Leon11


    BrandonBlock wrote:
    People who handle Quinn-Direct claims don't need any kind of degree/college qualification besides their LC. You have these straight out-of-school 18 yr old bimbos thinking they're actuaries.

    (Had bad experience with QD, won't go into detail!)

    funny thing is I have friends working there and you've pretty much hit the nail on the head!


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    #8
    Mahatma coat
    Banned (with Prison Access) Posts: 6,869 ✭✭✭Mahatma coat


    yeah but does it matter that they're 18yr old Bimbos if they can process you claim efficeintly and promptly


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    #9
    ChippingSodbury
    Registered Users Posts: 1,345 ✭✭✭ChippingSodbury


    Hi Superscouse,
    Was the Insurance Company the one with a Bird in their name/ logo?
    I had dealings with these people last year which are still not sorted out. The person I dealt with was the most personally obnoxious <insert your own expletive here> I have ever had the pleasure of dealing with. She was so bad that my solicitor even refused to deal with her on the phone: all communication in writing, not just the important stuff.


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    #10
    ScouseMouse
    Closed Accounts Posts: 5,070 ✭✭✭ScouseMouse


    No it doesnt. I think you mean Eagle Star which is wrong. On a completely "different note", does anyone know who the MD of Hibernian is? I would like to discuss a little matter with them............

    I am serious! does anyone who is the MD of HIBERNIAN?


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    #11
    ytpe2r5bxkn0c1
    Closed Accounts Posts: 32,688 ✭✭✭✭ytpe2r5bxkn0c1


    superscouse wrote:
    I am serious! does anyone who is the MD of HIBERNIAN?

    This is from their website.

    http://www.hibernian.ie/HibPublicSite/HibPublicSite/corporate_info/management.jsp


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    #12
    Seth Brundle
    Moderators, Politics Moderators Posts: 38,976 Mod ✭✭✭✭Seth Brundle


    Hibernian in my opinion are idiots. They cancelled a policy on me years ago and took their time in telling me about it.
    My father had several life, home and motor policies with them at one stage and they wouldn't take the money off him. Unsure if he was properly covered, he telephoned them but they still weren't taking the money from his account.
    He called into them on Haddington Rd. and was brought into a box room with some young fella who felt that it wouldn't have been necessary to take any notes or details until my father suggested thata he should.
    They still didn't take the money so he contacted the MD. He was apologetic and on the case straight away. But they still didn't take the feckin money.
    In the end he just went to a differnet company.
    From similar takes with others it hasn't changed!
    BrandonBlock wrote:
    (Had bad experience with QD, won't go into detail!)
    I presume that by now everyone in Ireland has had a bad experience with QD!


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    #13
    Atomic Pineapple
    Registered Users Posts: 18,272 ✭✭✭✭Atomic Pineapple


    kbannon wrote:
    I presume that by now everyone in Ireland has had a bad experience with QD!


    i've been with them 3 and a half years and they've been very efficent, never had any problems dealing with them, same with my brother.

    @OP, you should definately write a letter detailing the story to the MD, if you still have the naes of the people from the company you dealt with i'd stick them in too i'm sure he'd be very interested in there names :)


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