In a crash- settling without getting insurance company involved(or not?)

69 mustang

To cover your self you must report it to your nearest cop shop with in 48 hrs,
or you could be done for leaving the scene of an accident.
Hand over no money if your not sure of the situation, that's what insurance is there for.;
As the other party may not be legally fit to be on the road at that time and could end up too busy in courts for those matters to claim off you.


Before the PC fairy writes in this goes for Irish and non:)

Rudolph Claus

To cover your self you must report it to your nearest cop shop with in 48 hrs,
or you could be done for leaving the scene of an accident.

Is it an accident though. You`d hardly call it an accident, if it was just a slight tip. More of a "wee mistake" or a "minor incident". Surely even the insurance companies wouldnt classify this as an "accident"?

Just a few things maybe the OP could clear up:
What kind of car had the nigerian lad got?

Is he a working nigerian doctor type in a decent car, or the type in the ould `92 Sunny/civic?

Is it worth repairing his damage, for example if its an ould banger and only scratches most people wouldnt bother patching it up, so if hes looking for money to fix up an ould banger, i`d be weary of what else he wants. If its a decent car, then obviously he would want to genuinely patch up scratches.

Is he definitely insured legally and properly?

FX Meister

So how about those pics? Are you going to show them?

Hotblack Desiato

69 mustang wrote:

To cover your self you must report it to your nearest cop shop with in 48 hrs,
or you could be done for leaving the scene of an accident.

No, you only have to report it to the Gardai if anyone was injured, or the property of a third party (not present at the scene) was damaged.

If you've exchaged details with all other parties involved in the accident, and there was property damage only, you've met your legal obligations. It might still be a good idea to inform the Gardai - it depends - but they certainly don't want to be called out to every minor tip. If there's a good case against the other driver e.g. breaking a light then definitely involve them.

Supercell

^CwAzY^ , you are clearly being scammed, frankly tell him to fook off.

There is no Garda record, no witnesses, hes is making an unreasonable repair cost..if he was genuine it would be reasonable, thus he's taking the piss.

Fook him, he has no evidance you caused the damage, tbh i'd say fook off yer not getting a penny at this point.

FX Meister

So ^CwAzY^, how about them flicks? Or is it all made up?

mrbungle

Who cares if you have photos of your car and his car.

1 word : Whiplash.

YOU HIT HIM !! HE CLAIMS WHIPLASH !!

Its how Irish people have been scamming the system here for years. Try and settle with him for cash or else it's 10 grand plus !!!


I know a girl who got 12k from a rear ending minor accident. Nothing wrong with her except a smug and extremely annoying smile from all the cash she stole through a bogus claim.

Settle asap.

Rudolph Claus

What do you want her to settle exactly? Theres nothing to settle. How can he claim whiplash from such a minor tip which only resulted in scratches, and couldnt have possibly caused whiplash.

How can the nigerian scammer proove he has suffered whiplash with a minor tip? Its obvious he couldnt have. The insurance calims process is tightened up alot now from them days, and he wouldnt get away with a bogus whiplash claim.

mrbungle

It still goes on believe me.

magpie

I know a girl who got 12k from a rear ending

I never knew it could be that expensive

unkel

Nuttzy wrote:

How can he claim whiplash from such a minor tip which only resulted in scratches, and couldnt have possibly caused whiplash

Easy, get GP to write a wee note

Remember the case a few years ago where a man in a LWB Transit got rear ended by a woman in a Fiesta. Speed upon impact was 3mph. There was no material damage. Van man claimed for whiplash, he got £30,000.00 :mad:

landser

if you haven't notified your insurance company yet, do it now. it is a condition precedent to all policies that accidents be notified immediately. if you don't do this the company can refuse cover for failure to notify.

Pay him €480 if you like. This won't stop him from claiming off you, however. He can still come after with a personal injury claim, or indeed for aditional repair monies if he can vouch for them. If he is uninsured he can still claim from your insurance. The only time his insurance cover is relevant is if both parties are uninsured and it a Motor Insurers Bureau action.

The speed at impact does not determine whether he was injured or not, but may be illustrative in detrmining the extent of the injury. No doctor will say that any of his subjective complaints are invented. Further, whiplash can come on several days after an accident. THe fact he was ok at the time doesn't mean that he wasn't sore two or three days later.

In effect, if he claims, he'll win and get compo. You paying him €480, even if he saigns a disclaimer, will not be a bar to his referring this matter to PIAB. disclaimers aren't worth the paper they're written on. In the absence of legal advice to the other party regarding what he is signing, the court will ignore it, as will your insurer, although they might use it as a negotiation tool.

69 mustang

ninja900 wrote:

No, you only have to report it to the Gardai if anyone was injured, or the property of a third party (not present at the scene) was damaged.

If some one is going to pull a scam whats to say he won't get the old stiff neck when he gets home.