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Wife's car damaged - at-fault driver not helping

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  • 01-02-2017 9:33am
    #1
    whoami1
    Registered Users Posts: 306 ✭✭


    My wife drove to the shops last week and someone reversed their car out of a space and back into her one, damaging the front bumper. They exchanged phone numbers and the other woman, who had an 'L' plate on her car, said that she would send on her insurance details. My wife sent her a photo of the repair estimate for bumper and repaint and she replied saying that the bumper was damaged but not the paint. We got a new estimate omitting the paint and she is still not providing her details. All we have is a mobile number and a name. Leaving aside what should have been done at the time, what can be done now to get this thing resolved?


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    #2
    Carlosthejakal
    Registered Users Posts: 397 ✭✭Carlosthejakal


    Call the woman and tell her you will go through her insurance, if it is not resolved quickly. Call your insurance company and explain the situation.


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    #3
    stimpson
    Registered Users Posts: 7,821 ✭✭✭stimpson


    Did she get the details from her insurance disc?


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    #4
    whoami1
    Registered Users Posts: 306 ✭✭whoami1


    stimpson wrote: »
    Did she get the details from her insurance disc?
    No. This was her first time involved with anything like this and didn't know what to do.


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    #5
    amcalester
    Closed Accounts Posts: 4,121 ✭✭✭amcalester


    Report it to the Guards and they'll ask her to give your wife her insurance info.

    Your choice then whether to go through insurance or not, but at least you have her details.


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    #6
    stimpson
    Registered Users Posts: 7,821 ✭✭✭stimpson


    amcalester wrote: »
    Report it to the Guards and they'll ask her to give your wife her insurance info.

    Your choice then whether to go through insurance or not, but at least you have her details.

    If you get her insurance details then go through the insurance.


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    #7
    tiredblondie
    Registered Users Posts: 706 ✭✭✭tiredblondie


    Did she even get the reg number for the other driver?


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    #8
    whoami1
    Registered Users Posts: 306 ✭✭whoami1


    tiredblondie wrote: »
    Did she even get the reg number for the other driver?

    No. Only name and phone number. Nothing else.


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    #9
    tiredblondie
    Registered Users Posts: 706 ✭✭✭tiredblondie


    Might just have to be a live and learn thing i'm afraid - not sure how much the guards could do without much detail, might not even be the persons real name that she gave.


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    #10
    mgbgt1978
    Registered Users Posts: 4,231 ✭✭✭mgbgt1978


    The 1st thing the Guards will ask for is the Reg number of the other car. Without it they will be very slow to do much.....unless you happen to be friendly with a Member :).
    TBH if the other woman's exact words were "I'll send on my Insurance Details" I would be inclined to think she is not insured.


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    #11
    9935452
    Registered Users Posts: 2,757 ✭✭✭9935452


    whoami1 wrote: »
    My wife drove to the shops last week and someone reversed their car out of a space and back into her one, damaging the front bumper. They exchanged phone numbers and the other woman, who had an 'L' plate on her car, said that she would send on her insurance details. My wife sent her a photo of the repair estimate for bumper and repaint and she replied saying that the bumper was damaged but not the paint. We got a new estimate omitting the paint and she is still not providing her details. All we have is a mobile number and a name. Leaving aside what should have been done at the time, what can be done now to get this thing resolved?

    Go back to where the tip happened and see if there is any cctv covering the area. You might be able to pull the number off the license plate.

    Does you wife know what type of car and colour which hit her.
    IT would only be a chance but the other lady might be local to the area so could go back to that shopping centre frequently
    If ye spotted the car you could take the insurance details off the car and then wait for her to come back to verify you have the right person


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    #12
    Del2005
    Registered Users Posts: 18,993 ✭✭✭✭Del2005


    9935452 wrote: »
    Go back to where the tip happened and see if there is any cctv covering the area. You might be able to pull the number off the license plate.

    Does you wife know what type of car and colour which hit her.
    IT would only be a chance but the other lady might be local to the area so could go back to that ushopping centre frequently
    If ye spotted the car you could take the insurance details off the car and then wait for her to come back to verify you have the right person

    IIRC only the Gardaí can request cctv, data protection means that a company can't release images to the public.

    Report to the Gardaí and go through the MIBI, they might be able to get the other person's details. But the MIBI is for damage by uninsured or unidentified vehicles.


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    #13
    mgbgt1978
    Registered Users Posts: 4,231 ✭✭✭mgbgt1978


    MIBI will not cover claims for damage unless you have the Reg of the other vehicle.
    They will (eventually) cover personal injury claims where the other vehicle cannot be identified.

    http://www.mibi.ie/making-a-claim/uninsured-unidentified-vehicles.421.html


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    #14
    dev100
    Registered Users Posts: 1,002 ✭✭✭dev100


    Go back to where the car was parked . They may not release images to you but they may allow you look at the footage , you are stuck if you don't have the Reg .

    Send the other party a txt to say you have given them her details and if she ain't playing ball they will take action . It may jolt her if she thinks u have her reg...

    Avoid going thru your own insurance , you will suffer in the long run its not worth putting a claim in.


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    #15
    Squatman
    Registered Users Posts: 1,613 ✭✭✭Squatman


    So much advise here that puts effort on the OP. Before you do anything, call her, and ask for her insurance details, and explain that you will be dealing with her insurance, and if you dont have insurance details by 10am tomorrow morning, the matter will be passed on to the gardai. simples. no private investigators work required.


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    #16
    stimpson
    Registered Users Posts: 7,821 ✭✭✭stimpson


    Squatman wrote: »
    So much advise here that puts effort on the OP. Before you do anything, call her, and ask for her insurance details, and explain that you will be dealing with her insurance, and if you dont have insurance details by 10am tomorrow morning, the matter will be passed on to the gardai. simples. no private investigators work required.

    If she has a pay-as-you go she could toss her phone. Better go to the guards as they are more likely to get her details.


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    #17
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,720 Mod ✭✭✭✭Henry Ford III


    Squatman wrote: »
    So much advise here that puts effort on the OP. Before you do anything, call her, and ask for her insurance details, and explain that you will be dealing with her insurance, and if you dont have insurance details by 10am tomorrow morning, the matter will be passed on to the gardai. simples. no private investigators work required.

    Makes sense but in the circumstances the guilty party could block the number and it'd be game over.

    p.s. The innocent party was pretty silly not to have written down the 3rd party's name address car reg and insurance details at the scene.


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    #18
    mgbgt1978
    Registered Users Posts: 4,231 ✭✭✭mgbgt1978


    Squatman wrote: »
    So much advise here that puts effort on the OP. Before you do anything, call her, and ask for her insurance details, and explain that you will be dealing with her insurance, and if you dont have insurance details by 10am tomorrow morning, the matter will be passed on to the gardai. simples. no private investigators work required.

    Brilliant advice. I wonder has the OP thought of this yet ??? Maybe he mentioned it a couple of times in this very Thread :rolleyes:.
    If she hasn't given him her details yet it's probably because she doesn't have any details to give.
    Without a Reg Number the Guards will not want to get involved.


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    #19
    elperello
    Registered Users Posts: 15,108 ✭✭✭✭elperello


    How much is the estimate?


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    #20
    Squatman
    Registered Users Posts: 1,613 ✭✭✭Squatman


    mgbgt1978 wrote: »
    Brilliant advice. I wonder has the OP thought of this yet ??? Maybe he mentioned it a couple of times in this very Thread :rolleyes:.
    If she hasn't given him her details yet it's probably because she doesn't have any details to give.
    Without a Reg Number the Guards will not want to get involved.

    Nowhere in this thread did the OP mention that 1) he asked for the insurance details (just mentions the party didnt supply them. 2) he gave a time bound limit to his request. 3) Highlighted the repercussions of not providing the details as requested.

    but thanks for your valueless input.


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    #21
    Squatman
    Registered Users Posts: 1,613 ✭✭✭Squatman


    Makes sense but in the circumstances the guilty party could block the number and it'd be game over. Mobile phone operators can still track the phone even if the user decides to block one particular caller.

    p.s. The innocent was pretty silly not to have written down the 3rd party's name address car reg and insurance details at the scene    .


    Il just leave this note here for your benefit
    Leaving aside what should have been done at the time, what can be done now to get this thing resolved?:D


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    #22
    StripedBoxers
    Registered Users Posts: 5,112 ✭✭✭StripedBoxers


    Put her number into Facebook and if she has it registered to her account it may show up, she might have pics of her car that you could get the reg from.


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    #23
    NUTLEY BOY
    Registered Users Posts: 2,344 ✭✭✭NUTLEY BOY


    Just a few observations.

    It is not the liable motorist's place to decide if the claim includes repainting or not. She can certainly dispute the issue but it sounds like classical bluster unless she is factually correct. Only OP can know that.

    Did this accident happen on the public road or on private property ? If the latter there might be a problem as there is no obligation to have insurance or to give insurance details if you are not in a public place.

    Thus far, it smells like the negligent one is a bit slick and has no intention of paying.

    It was unfortunate that the registration number was not taken down. However, some people can be quite shocked even by a minor collision and might not think of it especially if they have not had this happen before.

    As OP's wife was able to text a picture she can text a message. Send a simple message asking the other party to please provide confirmation of her insurance particulars, as promised, if she does not intend to settle it herself. Indicate that if the insurance details are not forthcoming within the next 10 days she (OP's wife) will have to request them from the Gardai. The negligent one may not know that the OP does not have her registration number.


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    #24
    mgbgt1978
    Registered Users Posts: 4,231 ✭✭✭mgbgt1978


    Squatman wrote: »
    Nowhere in this thread did the OP mention that 1) he asked for the insurance details (just mentions the party didnt supply them. 2) he gave a time bound limit to his request. 3) Highlighted the repercussions of not providing the details as requested.

    but thanks for your valueless input.

    You're more than welcome :rolleyes:.
    Do you really believe that threatening this individual with a meaningless deadline (or else the Guards will be informed) will make the slightest bit of difference ?
    If, as I and others here suspect, this woman is uninsured she will ignore any contact from the OP.
    The Guards will not be bothered getting involved in a minor Tip without at least a Reg number.
    The at-fault driver is more than aware of this and knows that the chances of any repercussions are minimal.
    That's just the way it is in the real world.


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