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Arson attack

2»

Comments

  • #52
    djimi
    Registered Users, Registered Users 2 Posts: 13,237 ✭✭✭✭djimi


    corktina wrote: »
    I think it's rather rich that someone with no insurance is trying to claim off the policy of someone who has! The problem here is that the car wasn't insured. The fire wasn't the other guys fault and that the second car wasn't insured isn't his fault either.

    In fairness, right or wrong, (before I read this thread I suppose) if my car was damaged by a car catching fire adjacent to it then the first question I would be asking also is does their insurance cover me. No doubt I wouldnt like the answer I got, but Id certainly be exploring all avenues before involving my own insurance.


  • #53
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    Fair comment


  • #54
    V.W.L 11
    Closed Accounts Posts: 1,586 ✭✭✭V.W.L 11


    corktina wrote: »
    I think it's rather rich that someone with no insurance is trying to claim off the policy of someone who has! The problem here is that the car wasn't insured. The fire wasn't the other guys fault and that the second car wasn't insured isn't his fault either.

    If it happened to yourself and you had insurance then whether you lose your ncb or not you still wouldn't like it,I've come across you on boards on numerous occasions and you seem to have a good head on your shoulders, my friend a grandmother in poor health who wasn't in a position to renew her insurance on health grounds, if the shoe was on the other foot would you still have the same attitude or would you seek anyway possible to recoup your only source of independence???? Hers is now gone due to a combination of a stupid teenager and equally bad parents for backing him


  • #55
    corktina
    Closed Accounts Posts: 17,733 ✭✭✭✭corktina


    V.W.L 11 wrote: »
    If it happened to yourself and you had insurance then whether you lose your ncb or not you still wouldn't like it,I've come across you on boards on numerous occasions and you seem to have a good head on your shoulders, my friend a grandmother in poor health who wasn't in a position to renew her insurance on health grounds, if the shoe was on the other foot would you still have the same attitude or would you seek anyway possible to recoup your only source of independence???? Hers is now gone due to a combination of a stupid teenager and equally bad parents for backing him

    I'm afraid I would. It isn't the neighbours fault. I'd go after the lad and his parents but the neighbour has enough problems without me blaming him by trying to claim on his policy.


  • #56
    V.W.L 11
    Closed Accounts Posts: 1,586 ✭✭✭V.W.L 11


    corktina wrote: »
    I'm afraid I would. It isn't the neighbours fault. I'd go after the lad and his parents but the neighbour has enough problems without me blaming him by trying to claim on his policy.
    just found out his own insurance blew him out!it was a Japanese Imported car and he declared it a non import,so now its 2 people out of pocket


  • #57
    Fred Swanson
    Closed Accounts Posts: 21,730 ✭✭✭✭Fred Swanson


    This post has been deleted.


  • #58
    V.W.L 11
    Closed Accounts Posts: 1,586 ✭✭✭V.W.L 11


    Fred Swanson wrote: »
    This post has been deleted.
    about 11k worth of cars gone and no compensation for it :mad:


  • #59
    TJJP
    Registered Users, Registered Users 2 Posts: 1,529 ✭✭✭TJJP


    >>see solicitor for advice >>> lodge civil claim for damages against arsonist. Probably never get paid though on the basis of info here.


  • #60
    V.W.L 11
    Closed Accounts Posts: 1,586 ✭✭✭V.W.L 11


    TJJP wrote: »
    >>see solicitor for advice >>> lodge civil claim for damages against arsonist. Probably never get paid though on the basis of info here.

    Spot on,the partly damaged 2009 car was taken to the scrapyard today


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  • #61
    mickdw
    Registered Users, Registered Users 2 Posts: 23,730 ✭✭✭✭mickdw


    On a related note, in the case of a thief stealing a car, heading off down the road and crashing into someone with it, on the basis of what we have heard above, the stolen cars insurers wouldnt pay out as the car owner did nothing to cause this and wasnt negligent or responsible in any way. I think its clear that they do pay out.


  • #62
    Fred Swanson
    Closed Accounts Posts: 21,730 ✭✭✭✭Fred Swanson


    This post has been deleted.


  • #63
    wonski
    Registered Users, Registered Users 2 Posts: 13,685 ✭✭✭✭wonski


    mickdw wrote: »
    On a related note, in the case of a thief stealing a car, heading off down the road and crashing into someone with it, on the basis of what we have heard above, the stolen cars insurers wouldnt pay out as the car owner did nothing to cause this and wasnt negligent or responsible in any way. I think its clear that they do pay out.

    Isn't this covered by MIBI?

    Hard to believe the insurer would pay out when the driver (thief ) had no policy at all?


  • #64
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    Usually the insurance company administers the claim as insurer concerned but they would recover from the MIBI. There are exceptions to the recovery, such as if the policyholder was negligent by leaving the keys in the car


  • #65
    djimi
    Registered Users, Registered Users 2 Posts: 13,237 ✭✭✭✭djimi


    corktina wrote: »
    I'm afraid I would. It isn't the neighbours fault. I'd go after the lad and his parents but the neighbour has enough problems without me blaming him by trying to claim on his policy.

    It's great to be in a position of knowledge.

    If you has presented this situation to me before I read the thread my first reaction would be to see if a claim can be made on the insurance of the car that was set alight. Im sure almost everyone who didn't know the score that world be their first question also. You can't blame the owner for at least finding out where they stand.


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