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Need advice on Motor Insurance Claim very complicated situation

  • 04-04-2018 4:45pm
    #1
    katieg2601
    Registered Users Posts: 4 ✭


    So I need some advice on what to do about an insurance claim. About 2 months ago I was driving and my car skidded on some ice and crashed into a wall. There was only damage done to the front of my car around the bumper but the airbags went off.

    Before I had a chance to get my car removed another car skidded off the road and smashed into my car completely destroying it. There are no salvageable parts after that collision. I have been in contact with the other persons insurance company and they said they were going to offer me money for the damage done to my car. Car was valued at 2700 before I crashed it so they said that the amount of damage I had done would be taken into account and they would offer me a settlement.

    I have now found out that they are claiming they are only liable to pay the salvage value which is €50 according to them as my car was written off before the other person hit.

    I am not going through my own insurance company as I will lose my 4 year NCB.
    Tagged:


Comments

  • #2
    cml387
    Registered Users, Registered Users 2 Posts: 8,557 ✭✭✭cml387


    If the airbags went off and the car was only worth €2500 beforehand then it is a writeoff and so they are correct, it's salvage value only.


  • #3
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,807 Mod ✭✭✭✭Henry Ford III


    cml387 wrote: »
    If the airbags went off and the car was only worth €2500 beforehand then it is a writeoff and so they are correct, it's salvage value only.

    Not necessarily.

    The problem is going to be trying to prove the damage caused by the secondary impact.

    I've no idea how you'd go about this tbh. You'll have no evidence.


  • #4
    NUTLEY BOY
    Registered Users, Registered Users 2 Posts: 2,345 ✭✭✭NUTLEY BOY


    Out of curiosity did the other car hit you from behind ?
    If so, were you pushed in to the wall a second time ?
    In this scenario you might have more room for argument about apportionment of the responsibility for the damage.

    The other insurers are liable for the losses that their client caused in the second collision only. If they are asserting that your car was written off before the second collision they should be challenged to establish the basis on which they ground their argument. Mere assertion without the evidence is classical spoofing. They might be right ultimately but they need to prove their argument as they are raising it.

    BTW I see that you are not claiming under your own motor insurance policy but trust that you have notified your insurers of the accident anyhow as per policy conditions.


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