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Was in an accident...help please!

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    #32
    Graham_B18C
    Registered Users Posts: 8,620 ✭✭✭Graham_B18C


    AudiChris wrote: »
    Claim won't come out of his pocket, it comes from the insurance company - which then results in higher premiums for the rest of us.

    Claim for what you need, and feel no shame in taking every penny. Don't claim for what you don't need or to teach him a lesson, that's dishonest.
    Yeah thats exactly what i've been thinking of doing, I too honest to rip off someone, even an insurance company!


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    #33
    guil
    Registered Users Posts: 10,495 ✭✭✭✭guil


    AudiChris wrote: »
    Claim won't come out of his pocket, it comes from the insurance company - which then results in higher premiums for the rest of us.

    Claim for what you need, and feel no shame in taking every penny. Don't claim for what you don't need or to teach him a lesson, that's dishonest.
    i know the claim wont come out of his pocket but his premium will be a lot higher


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    #34
    gymnipities
    Registered Users Posts: 122 ✭✭gymnipities


    ohnoigotsick wrote: »
    - i ended up with my fees plus compo which i wouldn't have gone looking for in the first place but they PIAB system meant it went down that way

    Does anyone have any experience of this? I put in a claim with PIAB for traffic accident injuries and then got a letter with a settlement offer from the insurance company. Is there anyone who turned down the settlement offer and went ahead with the PIAB assessment? I'd be interested to know what sort of a difference there was between the two amounts.


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    #35
    the_syco
    Registered Users Posts: 37,301 ✭✭✭✭the_syco


    Grahamo999 wrote: »
    Since the accident, my stomach, neck and back are absolutely killing me, but i feel terrible claiming lots off someone, i've never been one mad for "compo" or anything like that but i'm starting to get a bit worried it could be seious.
    Enjoy not being able to drive when your neck gets so bad your driving becomes a pain rather than a pleasure. You feel bad about claiming compo? That's guilt. Guilt can be forgotten about. The physical pain won't be.


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    #36
    daveharnett
    Registered Users Posts: 2,567 ✭✭✭daveharnett


    gymnipities wrote: »
    Does anyone have any experience of this? I put in a claim with PIAB for traffic accident injuries and then got a letter with a settlement offer from the insurance company. Is there anyone who turned down the settlement offer and went ahead with the PIAB assessment? I'd be interested to know what sort of a difference there was between the two amounts.

    I understand that the difference can be very significant. Also bear in mind that the insurance co have made their offer 'in full and final settlement', meaning you have very little comeback if you accept it and have further medical problems down the line.

    OP, get yourself to a solicitor. You have enough on your plate without having to deal with a combatative insurance company. You concentrate on getting better and let him/her worry about the money stuff.


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    #37
    Baraboo
    Registered Users Posts: 254 ✭✭Baraboo


    I would like to point out that you have up to 3 years from the date of accident to claim.

    A good solicitor is a must.

    20 Years after an accident with 3 major back operations and a fair few minor procedures and a lot of physio, I am wishing I had made a claim. whiplash is a coverall term for a lot of problems. Just because a lot of people abuse the system and claim where no real problem exists does not mean you are abusing the system if you claim where a real problem exists.


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    #38
    Graham_B18C
    Registered Users Posts: 8,620 ✭✭✭Graham_B18C


    Went to a so;icitor today, seems like a nice fella. I know someone that used him before and said he's great.

    The other fella's insurance are a pack af ass holes, they're saying i've to get my own car and they might pay for it, the solicitor said he'd sort that out. I explained to the insurance co that im only 21 and its very hard to get a rental at my age, one company said it'd be 700 euro for insurance for two weeks! And the insurance co said the longest i can get a curtacy car is two weeks even though it can take months for them to pay out for my car, forget about the medical stuff.

    One of the most unpleasent things I've ever had to do was ring the guy dealing with the claim, it was like talking to a robot thats only programed to say a few lines over and over again, made me feel like an idiot.


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    #39
    nogoodnamesleft
    Registered Users Posts: 1,031 ✭✭✭nogoodnamesleft


    Get the Solicitor on to them. He wont be long gettin you a courtesy car sorted out. This is what I did when I was in an accident last year...settle for material damages for the time being so that you can get your car repaired or the value of the car from the other parties insurance. In the time being you should be provided with a courtesy car to tie you over for the 2 weeks to sort out your own mode of transport. If you think of it this way your being seriously inconviencened by the other persons actions and the lack of action of the insurance co. BTW some insurance companies have a deal with car hire companies in that they provide cover for their vehicles and in return they provide courtesy vehicles. Such that when I demanded a diesel (as the my origional car was a diesel) car I got it when they insaid they had none available.


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    #40
    milltown
    Registered Users Posts: 4,616 ✭✭✭milltown


    Baraboo wrote: »
    I would like to point out that you have up to 3 years from the date of accident to claim.

    2 Years with PIAB.

    http://injuriesboard.ie/eng/FAQ/#19

    Lots of good info on the www.injuriesboard.ie site.

    My missus is going through the process at the moment, and going mad trying to get any sort of urgency out of the insurance co. Don't panic though, as I understand it, you have two years to set the wheels in motion, as it were. Even so, don't waste your time on public waiting lists to see any specialists the doctor might deem necessary, go private if needs be. If you're going to be significantly out of pocket you should get the insurance company to make an interim settlement. Once they are accepting liability they should not hesitate to cover any receipted expenses you incur with no prejudice to the compensation side of the claim.


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    #41
    Hotwheels
    Registered Users Posts: 751 ✭✭✭Hotwheels


    Best tip I can give you is Buy A Dairy and keep a record of everything, keep recipts, write details down of everything/everyone, doctors you visit...everything...and write any new information in straight away...

    Download the PIAB guide and read it, and read it! it will help you understand how it works..
    A good solicitor is worth their weight in gold, but you can deal with PIAB yourself and get a Solicitor later if you go to court...

    We all pay insurance and we all hope we never have to use it, so don't feel guilty, its the one who ran into you that will feel that. Or Not...


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    #42
    congo_90
    Registered Users Posts: 2,339 ✭✭✭congo_90


    op

    you and all other (sensible law abiding) motorists pay insurance every year for this sort of thing. do not feel guilty to make a personal injury claim but make sure as others have said to get yourself a reputable solicitor to deal wit yer docs/insurance company. I was hit 2 years ago and it was my ma who put in the claim even though i didn want to and was lucky to have cos pretty soon after i felt like sh1t and ended up losing my job over it because i wasnt able to work.


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    #43
    Countryripple
    Registered Users Posts: 283 ✭✭Countryripple


    To Cabwrab, you have 2 years, not three as stated above, to make a personal injury claim against the other party. If it is almost a year on and you are still in pain, get onto a solicitor. Most of them wont charge you anything upfront in such cases. If it is a simple case of someone hitting into the back of you, it is fairly black and white in the eyes of the law.

    Otherwise, you could look after it yourself and put an application into the PIAB without using a solicitor. The solicitor has to go down this route first anyway. Personally, I find that having a solicitor to look after it is best. Unless you are organised and have time to spend doing all that stuff.

    Dont let it lie. I know people who have been very unjustly screwed by compo claims. One of which only had a claim brought against them a week before the 3 year deadline, back when this was the time limit. Which made me very reluctant to pursue one of my own. But at the end of the day, once you are in pain and it has cost you from your own pocket, you are well withing your rights.

    Good luck.


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    #44
    dade
    Closed Accounts Posts: 1,178 ✭✭✭dade


    almost 6 years after a crash and i still occasionally suffer pain. you may feel fine now but it might come back to haunt you.

    keep a record of everyting and i mean everything. i know this will sound mad and over teh top but a solicitor once told me that if i was in to much pain to get it on with teh wife then i was entitled to damages for it. a little too extreme maybe.

    also IIRC you can claim for the repair first then the personal injusties/personal damages as far as i know so at least you have a car. but your solicitor should be able to verify that


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    #45
    pburns
    Registered Users Posts: 2,423 ✭✭✭pburns


    Grahamo999 wrote: »
    Went to a so;icitor today, seems like a nice fella. I know someone that used him before and said he's great.

    The other fella's insurance are a pack af ass holes, they're saying i've to get my own car and they might pay for it, the solicitor said he'd sort that out. I explained to the insurance co that im only 21 and its very hard to get a rental at my age, one company said it'd be 700 euro for insurance for two weeks! And the insurance co said the longest i can get a curtacy car is two weeks even though it can take months for them to pay out for my car, forget about the medical stuff.

    One of the most unpleasent things I've ever had to do was ring the guy dealing with the claim, it was like talking to a robot thats only programed to say a few lines over and over again, made me feel like an idiot.

    Grahamo you sound like a very decent bloke, it's good to know there are a few around.

    From the look of things though it sounds like you'll have to become ruthless. Get a ballbreaker of a solicitor on the case. I'm not a fan of the compo culture either but you fully deserve compensation. The insurance co. wouldn't be Quinn would it?


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    #46
    Graham_B18C
    Registered Users Posts: 8,620 ✭✭✭Graham_B18C


    pburns wrote: »
    Grahamo you sound like a very decent bloke, it's good to know there are a few around.

    From the look of things though it sounds like you'll have to become ruthless. Get a ballbreaker of a solicitor on the case. I'm not a fan of the compo culture either but you fully deserve compensation. The insurance co. wouldn't be Quinn would it?
    No it was a Company that begins with A and ends with Z! Dont want to seem like I'm being slanderous. The guy from the called me yesterday and was as nice as pie with me after I told him I'd consulted a Solicitor. With a bit of luck i'll get a car sorted soon.

    The assessor was out at my car yesterday, it's written off and they said they'll be in touch about how much it's worth. Will they get onto the Solicitor about that or direct to me?

    And, will the money from the car, will I get that soon or will I not get that until the whole thing is sorted? I love cars and i'm not really liking getting the bus to work!


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    #47
    nogoodnamesleft
    Registered Users Posts: 1,031 ✭✭✭nogoodnamesleft


    In my case the Claims Manager visited with the value of the car from the assessor , Which was below the current market value. Mentioned what I considered the current value of the car was and I was instantly given it. I only signed for material damages and I also photocopied what I had signed for my own records. They will issue with a check which will arrive in the post a couple of days later.

    From my experience they will try anything to get you to settle straight away. I wouldnt be surprised if they offered you a cash sum to settle outright on the run up to christmas.


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    #48
    Seth Brundle
    Moderators, Politics Moderators Posts: 39,844 Mod ✭✭✭✭Seth Brundle


    I would echo nogoodnamesleft's post.
    The guy who assessed my car seriously undervalued it and I had to dig out several ads from different websites indicating what people were looking for in comparable cars (mine would have a higher spec than most E39 523i's of that time). Be prepared to be insulted!


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    #49
    Graham_B18C
    Registered Users Posts: 8,620 ✭✭✭Graham_B18C


    kbannon wrote: »
    I would echo nogoodnamesleft's post.
    The guy who assessed my car seriously undervalued it and I had to dig out several ads from different websites indicating what people were looking for in comparable cars (mine would have a higher spec than most E39 523i's of that time). Be prepared to be insulted!

    They rang me today, made an alright offer, 2000 but I'm happy enough because it wasn't nct'd. But the worst thing is that I got it taxed last Monday! AND there was petrol in it! There's never any more then about ten euro petrol in my car! But when the accident happened there was about fifteen quid!

    So ya reckon they'll offer me a few quid to cancel the solicitor? Don't think i'll take it because luckily i have a few quid put aside for a car so there's a fella I know sellin a '99 1.8 Alfa 156, he said I could have it for a grand so that'll more than do the job for the next while!

    Thanks for all the comments, you've all been really helpful


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