Advertisement
If you have a new account but are having problems posting or verifying your account, please email us on hello@boards.ie for help. Thanks :)
Hello all! Please ensure that you are posting a new thread or question in the appropriate forum. The Feedback forum is overwhelmed with questions that are having to be moved elsewhere. If you need help to verify your account contact hello@boards.ie

Hit by uninsured driver

Options
  • 07-06-2017 5:16pm
    #1
    Alex130308
    Registered Users Posts: 3 ✭


    Would greatly appreciate some advice here. I was rear ended by an uninsured driver two weeks ago. He kind of more rolled into me at lights, no damage to either car and at the time I felt ok so we didn't swap details or contact guards but I got his car reg.

    Fast forward two weeks and my neck and back very sore. I contacted my own insurance and they have found out that the driver is uninsured.

    Where do I go from here? Can I put a personal injuries claim against him?


Comments

  • Options
    #2
    coylemj
    Registered Users Posts: 25,457 ✭✭✭✭coylemj


    Alex130308 wrote: »
    I contacted my own insurance and they have found out that the driver is uninsured.

    How do they know he wasn't insured? All you say you got was his registration number.


  • Options
    #3
    BorneTobyWilde
    Registered Users Posts: 36,152 ✭✭✭✭BorneTobyWilde


    Your neck is sore. Everyone gets that for no reason, could have slept wrong.
    Hardly related to a car rolling into you. You'd have more impact driving along a bumpy road.


  • Options
    #4
    Fuzzy Clam
    Closed Accounts Posts: 3,293 ✭✭✭Fuzzy Clam


    2 week later you have a sore neck and back????

    Get a new mattress.


  • Options
    #5
    Alex130308
    Registered Users Posts: 3 ✭Alex130308


    No I am in pain since day 3 post accident. If driver is uninsured can I put in a personal injuries claim against him or do am I best to do through my own insurance? I lose my NCB if I do


  • Options
    #6
    Ultimate Seduction
    Closed Accounts Posts: 4,464 ✭✭✭Ultimate Seduction


    No damage to either car but you damaged your neck? A slight tip would damage a bumber so he must of literally rolled in to you.

    Out for a fast buck, I wish nothing but bad luck for you. Insurance fraud is what your doing.


  • Advertisement
  • Options
    #7
    0ph0rce0
    Registered Users Posts: 3,950 ✭✭✭0ph0rce0


    Man if i were you I'd quit driving, Imagine if you hit a pothole? You'd probably be killed.


  • Options
    #8
    Ultimate Seduction
    Closed Accounts Posts: 4,464 ✭✭✭Ultimate Seduction


    Funny how almost all of these ridiculous PI claim threads are by newly opened accounts...


  • Options
    #9
    Toyotafanboi
    Registered Users Posts: 12,917 ✭✭✭✭Toyotafanboi


    Nobody here has inspected the cars, or the OP for that matter. Let's focus on constructive, non accusatory responses or please don't post in this thread.


  • Options
    #10
    the_syco
    Registered Users Posts: 37,302 ✭✭✭✭the_syco


    Alex130308 wrote: »
    Fast forward two weeks and my neck and back very sore.
    Alex130308 wrote: »
    No I am in pain since day 3 post accident.
    When did you goto your doctor about said sore neck? If you left it until now, it may go against you.

    Anyway, goto www.mibi.ie and see if they can help. Was the other person a foreign national? if they were, and they jump ship, it may drag on a bit longer (as in, months).


  • Options
    #11
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    Alex130308 wrote:
    No I am in pain since day 3 post accident. If driver is uninsured can I put in a personal injuries claim against him or do am I best to do through my own insurance? I lose my NCB if I do


    You cannot put an injury claim through your own insurance. You also need to establish if he was uninsured. Your own insurer wouldn't know that, contact the MIBI


  • Advertisement
  • Options
    #12
    Alex130308
    Registered Users Posts: 3 ✭Alex130308


    No he was Irish and I am the foreign national !!
    Does he not have to pay anything then because he was uninsured? I looked at that website just now. Seems unfair he gets away with it.
    I went to Doctor on day 5 after accident


  • Options
    #13
    Ultimate Seduction
    Closed Accounts Posts: 4,464 ✭✭✭Ultimate Seduction


    Toyotafanboi wrote:
    Nobody here has inspected the cars, or the OP for that matter. Let's focus on constructive, non accusatory responses or please don't post in this thread.


    The OP inspected the cars and stated that there was no damage to either and that the other car just rolled in to him.

    Explaining to the OP that this is fraud is construtive, sound advice.


  • Options
    #14
    Fuzzy Clam
    Closed Accounts Posts: 3,293 ✭✭✭Fuzzy Clam


    Toyotafanboi wrote: »
    Nobody here has inspected the cars, or the OP for that matter. Let's focus on constructive, non accusatory responses or please don't post in this thread.

    No details were exchanged except that the op took note of the number plate. How does the op know that the driver has no insurance????
    I can drive any car insured regardless of the number plate.


  • Options
    #15
    the_syco
    Registered Users Posts: 37,302 ✭✭✭✭the_syco


    Fuzzy Clam wrote: »
    No details were exchanged except that the op took note of the number plate. How does the op know that the driver has no insurance????
    As per the OP, their insurance found that there was no insurance linked to that car. The small print of any "drive any car" policy that I was on stated that I could drive a car that was insured by someone else.


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


    Can you let us know why you think he is uninsured?


  • Options
    #17
    Hector Savage
    Registered Users Posts: 8,809 ✭✭✭Hector Savage


    compensation culture is killing this country.

    Ever wonder why premiums are near un ****ing affordable now ?


  • Options
    #18
    grogi
    Registered Users Posts: 8,615 ✭✭✭grogi


    Fuzzy Clam wrote: »
    No details were exchanged except that the op took note of the number plate. How does the op know that the driver has no insurance????
    I can drive any car insured regardless of the number plate.

    What's more, what is stopping anyone from noting down a reg at the parking and claiming that they rolled into back of their car? "No damage was visible at the moment of the impact, but now my back is soooo sore".


  • Options
    #19
    mcgovern
    Registered Users Posts: 4,267 ✭✭✭mcgovern


    the_syco wrote: »
    As per the OP, their insurance found that there was no insurance linked to that car. The small print of any "drive any car" policy that I was on stated that I could drive a car that was insured by someone else.

    This is not the case with all insurance policies though, I've confirmed it with my insurance company before that the other vehicle didn't need to be insured by someone else.


  • Options
    #20
    grogi
    Registered Users Posts: 8,615 ✭✭✭grogi


    Alex130308 wrote: »
    Fast forward two weeks and my neck and back very sore. I contacted my own insurance and they have found out that the driver is uninsured.

    Take some Ibuprofen.


  • Options
    #21
    JaMarcusHustle
    Closed Accounts Posts: 4,719 ✭✭✭JaMarcusHustle


    What has your Doctor said? Has he diagnosed you with a physical injury related to the accident?


  • Advertisement
  • Options
    #22
    Ultimate Seduction
    Closed Accounts Posts: 4,464 ✭✭✭Ultimate Seduction


    JaMarcusHustle wrote:
    What has your Doctor said? Has he diagnosed you with a physical injury related to the accident?


    Of course he has/will.

    Neck and back pain can't really be proven, that's why most injury claims are for neck and back.

    Whiplash is real but I'm afraid it takes a bit more force. It's amazing how everyone that drives bumper cars in the carnival doesn't get long term injuries..


  • Options
    #23
    Doyler92
    Registered Users Posts: 2,664 ✭✭✭Doyler92


    Do you have any proof? Surely you will need cctv or something this long after the incident?


  • Options
    #24
    iguot
    Banned (with Prison Access) Posts: 87 ✭✭iguot


    Saw a car roll back into a car the other day at about 1mph, yer one in the car opened the door, fell out of the car and starting rolling on the ground roaring, holding her neck.

    African woman.

    I couldn't believe it.

    Even if I was broke up, I doubt id do what she did.


  • Options
    #25
    beauf
    Closed Accounts Posts: 22,648 ✭✭✭✭beauf


    no doubt there is a lot fraud with claims especially whiplash.

    But You don't need to damage the car to get whiplash, or indeed a big impact to get a back or neck injury..


  • Options
    #26
    lukesmom
    Registered Users Posts: 4,400 ✭✭✭lukesmom


    It's the likes of you we have to thank for our premiums being so high grrrrrr


  • Options
    #27
    beauf
    Closed Accounts Posts: 22,648 ✭✭✭✭beauf


    MIBI chief David Fitzgerald said drivers with no insurance are partly to blame for a rise in premiums.

    He explained: “On average the MIBI pays out approximately €60 million a year for claims of this nature.

    “We estimate that accounts for €35 within the cost of the average annual motor insurance premium.

    I'm guessing your premium didn't go up just by €35 ;)

    Then again they aren't (or very reluctantly) insuring cars over 10yrs old. Its a bad time to buy a older cars, especially premium ones if you want to save money.


  • Options
    #28
    ShadowHearth
    Registered Users Posts: 22,929 ✭✭✭✭ShadowHearth


    I see 3 options on what is happening here:

    1. Op is a troll and he knows situation with insurance these days and came for a good laugh.

    2. Op only found out now, that getting very minor accident is like getting winning lotto number and trying to find out if he can still use it to get those winnings.

    3. Op is just new to whole insurance fraud and trying to get some knowladge on how its done properly for present and future ventures.

    The faster government sorts out this claim payout bull****, the better.


Advertisement