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Insurance claim

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  • 07-03-2017 11:32pm
    #1
    Maestro84
    Registered Users Posts: 222 ✭✭


    I was driving in Dublin yesterday and clipped a taxi man's wing mirror. I got out of the car and apologised for my mistake and advised I would pay for any damage done.
    The taxi man advised he was "in shock" and was calling the gardai.
    A garda arrived 15 minutes later. The taxi man advised he wanted to go through the insurance as he was "in shock".
    The garda asked was he injured and he advised he was not and that he was just in shock.

    Where do I stand now with the insurance? Can I pay the insurance company the costs so I don't lose my no claims bonus?
    Can he make a claim for being in shock?


Comments

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


    Personally i would say better off going through insurance .
    Ring your insurance and let them know what happened and give them all details.
    They will let you pay for the cost of the claim and keep you NCB and accident free status.
    Thats assuming he doesnt escalate it to a personal injury claim


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    #3
    iwillhtfu
    Registered Users Posts: 6,372 ✭✭✭iwillhtfu


    Hold on to your hat op. He's probably going to hit you with loss of earnings aswell. How hard did you hit him that he was in shock? Did the gardai not tell him to feck off wasting their time as you had admitted liability.


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    #4
    b_mac2
    Closed Accounts Posts: 454 ✭✭b_mac2


    He wouldn't have mentioned shock if he didn't think there was a few pounds to be made. What a scumbag.


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    #5
    K.Flyer
    Registered Users Posts: 8,565 ✭✭✭K.Flyer


    Just how badly damaged was the mirror for him to go into "shock" if you only "clipped" his mirror?
    As said above, it sounds to me like he is going to try it on for a loss of earnings claim citing that he had to take time off to "get over the incident".


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    #6
    Indricotherium
    Closed Accounts Posts: 1,575 ✭✭✭Indricotherium


    K.Flyer wrote: »
    Just how badly damaged was the mirror for him to go into "shock" if you only "clipped" his mirror?
    As said above, it sounds to me like he is going to try it on for a loss of earnings claim citing that he had to take time off to "get over the incident".

    The fact that the op is hitting other vehicles suggests that he or she probably hasn't the best spatial awareness, and I imagine is a poor judge of speed and impact force. So maybe there are two sides to this "clip".

    Someone not in control of their vehicle and coming millimetres from sideswiping your own car is, I imagine, shocking .


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    #7
    hungry hypno toad
    Closed Accounts Posts: 646 ✭✭✭hungry hypno toad


    Shocking behaviour from the taxi driver.


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    #8
    Del2005
    Registered Users Posts: 18,993 ✭✭✭✭Del2005


    iwillhtfu wrote: »
    Did the gardai not tell him to feck off wasting their time as you had admitted liability.

    Unfortunately the vast majority of emergency services time is spent dealing with time wasting chancers or scumbags.


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    #9
    Del2005
    Registered Users Posts: 18,993 ✭✭✭✭Del2005


    K.Flyer wrote: »
    Just how badly damaged was the mirror for him to go into "shock" if you only "clipped" his mirror?
    As said above, it sounds to me like he is going to try it on for a loss of earnings claim citing that he had to take time off to "get over the incident".

    They should compare his tax returns to the loose of earnings he claims.


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    #10
    tom85
    Closed Accounts Posts: 55 ✭✭tom85


    b_mac2 wrote: »
    He wouldn't have mentioned shock if he didn't think there was a few pounds to be made. What a scumbag.

    Who the fu*k do think you are calling some one a scumbag . As far as we know it could have been a very close head on collision at 100km +


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    #11
    Del2005
    Registered Users Posts: 18,993 ✭✭✭✭Del2005


    tom85 wrote: »
    Who the fu*k do think you are calling some one a scumbag . As far as we know it could have been a very close head on collision at 100km +

    The OP was driving in Dublin, the chance that it was a 100km head on collision is miniscule.

    And if someone does go into shock following an incident they don't say I'm in shock it's a physical reaction.


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    #12
    K.Flyer
    Registered Users Posts: 8,565 ✭✭✭K.Flyer


    tom85 wrote: »
    .. As far as we know it could have been a very close head on collision at 100km +

    Or it could have been a relatively slow pass, given the congestion on the roads in Dublin these days.
    Maybe the o.p. could clarify with more details for us.


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    #13
    iwillhtfu
    Registered Users Posts: 6,372 ✭✭✭iwillhtfu


    tom85 wrote: »
    Who the fu*k do think you are calling some one a scumbag . As far as we know it could have been a very close head on collision at 100km +

    So has the "shock" subsided yet? :D


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    #14
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    This is modern Ireland.

    This is why insurance premiums are through the roof.

    Some people will lay the blame squarely at the foot of the insurer.

    They certainly aren't blameless but the main reason for the increases is chancers like the taxi man in the op and the parasitic legal system that aids and abets their fraud.

    Hopefully when this goes in front of a court there will be a judge with some cop on.

    There have been a few cases recently where claims have been thrown out as the judge knew the claimant was a try on.

    Op, all you can do is report it to your insurer and let them deal with it.


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    #15
    Ongo Goblogian
    Registered Users Posts: 45 ✭Ongo Goblogian


    If the driver is in shock at his wing mirror being clipped, I don't think he is of suitable mental stature to be driving members of the public around a city like Dublin. These are professional drivers and must have seen more than a clipping of a mirror on the roads. Maybe its time to bring in psychological analysis and suitability tests for taxi drivers. @OP if you type Irish Taxi Forum into google you will get the link to a forum run by taxi drivers that have several sections to raise these topics. Might be worth getting a Taxi Drivers point of view on it.


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    #16
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    b_mac2 wrote: »
    He wouldn't have mentioned shock if he didn't think there was a few pounds to be made. What a scumbag.

    Standard practice, I'm sorry to say


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    #17
    NUTLEY BOY
    Registered Users Posts: 2,344 ✭✭✭NUTLEY BOY


    You breach your policy conditions by admitting liability.

    You breach your policy conditions by offering to settle.

    The probability is that the taxi driver saw that OP was concerned and is now electing to exploit that in a classically cynical piece of opportunism. Once insurers become involved his shock may resolve spontaneously.

    Leave it to the insurers - they should know how to deal with this article.


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