ID Theft
where do i stand with this 1?
help id a car crash 2months ago as a result of sum1 pulling out in front of me she admitted liabilty at the scence of the crash to the gardai when they arrived.my car was a right off and jus as her insurance came up with a descent offer for my car she has changed her word.im still out of work,my insurance is only third party fire and theft so it wont cover me for my car so is im without a car still,my solister has advised me there is nothing he can do until her insurance company prove shes wrong.any advice is strongly grateful im stressed confused fruastered and not financially well off to take out another loan for a car cheers lads
Public Comments
- Sorry I cant answer cos I am a girl
- same answer as i gave when you asked this in another topic earlier
- Out of the car!
- Inform your insurance company that she did admit liability at the scene. Even if it was just verbal, she still admitted it, and if there were witnesses present, it's a verifiable admission. Especially seeing as the witnesses were policemen, who are under obligation to be truthfull and record the events as they happened. Your insurance company won't want to pay out (unless you're both insured with the same company) - even if it's just for a third party claim, so they'll be gratefull for anything like this you can give them, as it will increase their chances of forcing the other company to pay instead. In this instance, if your company pays, you don't get a replacement car, but if hers pays, you do get a replacement car, so there's everything to play for here. The important thing is to keep feeding your insurance company with information to keep this process alive. Also, for future reference, if you ever are unlucky enough to be involved in an accident again, feign an injury. Act reluctant to climb out of the car, claiming you're in a lot of pain. Go immediately and see your doctor, complaining of a sore back or neck, explaining to him that you were in a car crash which wasn't your fault and you may need a note for your insurance company. Technically this is insurance fraud, but it's impossible to prove, and your insurance company will not contest it. It provides you with a safety net. If you don't get a payment that covers the replacement of your car, you will at least get a personal injury claim that will help you to buy another car.
- Tell the insurance company that she admited fault, and they should pay for it..............wait...............you have thrid party insurane for only fire and theft? like fire or theft to your car? or fire and theft to your house and you dont have car insurance? If thats the case then its your own dumb fault for driving with out insurance! There isnt anything you can do except talk to her insurance company.
