You are not claiming through your own insurance, you tell your own insurance about the accident and they will contact the other party and claim on them. This should not affect your insurance at all.
This seems insane. You literally pay insurance for them to do this.
TBH it’s going to affect your renewal either way, but go back to your insurers and get them to do what you pay them for.
You either claim through your insurance or you don't. You aren't half pregnant. You claim through them they'll deal with it and seek recovery but it is a claim and that's what you pay them for not to help you claim off another company
The person you spoke to is misinformed or poorly trained.
You have no contract with the other drivers insurer and so they have no reason to deal with you at all.
You claim from your own insurer for the damages, provide them what info you have (dash cam footage, the other drivers license plate number) and it is your insurers job to claim back the costs from the other drivers insurer. For your insurer, that process is called subrogation.
It doesn't matter if they're successful in that or not, it isn't your responsibility.
If your insurer is still telling you to contact anyone about it, just ask to speak to their manager (who is probably slightly more experienced and qualified) and if they say the same just ask to make a complaint. Eventually you will find somebody in your insurance company who does actually know what they're doing.
This is not true.
I have my general and commercial APA and I'm CIP
I work in claims and none of this is correct.
Your insurer will not work on your behalf to seek liability from another person unless you have comp cover and claim through your policy.
If you claim comp and state the other person is at fault your insurance company will appoint a motor assessor to inspect your vehicle. They will try contact the tp and take it from there. If liability can not be proved against the other driver and you have your damages repaired this will effect your policy.
You really should not be giving out advice on a topic you don't understand .
You are correct on one thing. Your insurer should not direct you to another insurance company unless they know with almost 100% certainty that the tp will not try log a claim against your policy and liability is clear. Such as your vehicle was hit while parked.
Tp insured must deal with a tp regardless of a contract as motor insurance min requirement is to protect the innocent tp of an incident not the policy holder
Isn't this what I said? Where does this deviate from what I said?
I said OP should claim from their policy, (which I assumed was fully comp else OPs only option was to sue the other driver and they wouldn't be asking the question).
OP has dashcam so they can show their insurer that to prove tp's liability.
Whether OPs insurance can recover the costs won't effect OPs no claims bonus if the dashcam proves they weren't at fault. I'm not saying it's OPs insurers job to prove TP liability, I'm saying it's their job to recover their own costs. OP already claims to have proof of TP liability.
Edit: I worked in claims myself for a few years, some years ago. But it's entirely possible I'm misremembering things...
So first of all you said
"You have no contract with TP insurer so they have no reason to deal with you at all"
In my response I pointed out that is not true as insurance is to protect innocent TP road users not the PH"
We get TP notifications all the time . We take their version of events and organize assessments for them. Then try contact our insured and do same. At this point if our insured denies liability we will advise tp to notify their own insurance company as liability is contested . Or we will notify tp insurer that an incident has occured and liability is currently contested by both parties.
You go on to say if your insurer can not recover their losses "it's not your responsibility"
This is a misleading statement as it implies no negative effects on their policy. This is not true as I've stated. If their insurer can not recover the losses this will impact their policy.
The OP stated they did not want to claim through their policy and in that case the only other option is to try claim directly against the tp insurer. So the agent was right and asking for a manager or complaint will not change that .
Now onto your new message
You stated OP has dashcam footage to show his insurer proof tp is liable If you worked in claims you should know until you can see the footage you don't know what it proofs and many times people proof themselves liable with the footage thinking it will clear them . Also alot of dash cam footage we receive is poor quality and unusable as evidence.
Now if the footage is clear and TP is liable. The claim will still remain open on policyholders insurance until they can recover the losses and can still be hit with a claims loading until the insurer has recovered their losses.This also means if seeking insurance else where they must inform other insurers they have an open claim. Most insurers will not take on new business with any open claim regardless of the circumstances
And last if you worked in insurance you should know it changes so frequently if you are out of insurance for 2 years you are no longer considered eligible to give advice at that point even if you had previously been qualified (unless you continued your CPD hours and paid your Irish insurance institute membership)and have to start all over again. Meaning you must be supervised and only operate in pre scripted lines of business.
And look I'm not trying to attack you personally just this thread as an overall is a shit show of miss-information
I just want OP to know the real details so they can make the best decision for themselves
His insurance company will only contact them if he claims off his own policy then they will contact the third party insurance company to retrieve the funds.
Not with the insurance company he is with, but with other insurance companies they might have different protocols. If he claims off his policy and his insurance company retrieves the money owed to them it will be put down as a 'non fault claim' on his no claims bonus if other insurance companies look for these details. Essentially, it may affect his claim free years, but his No claims bonus should remain intact as he wasn't at fault.
Insurance companies can be sly with their policies. I've worked in insurance for 5 years previously and I know how frustrating it can be for customers.
It wouldnt affect no claims bonus but insurance companies will use the fact that you were involved in an accident (regardless of fault) as part premium calculations, it's not going to affect as much as being the cause of the accident but it is a metric they use
This is only partially true.
You have to claim comp if you wish your insurance company to act on your behalf.
If liability isn't accepted by the third party and your insurer can not recover the losses from the tp insurer.
This will affect your policy.
The level will depend on whether you have bonus protection, what type of protection , circumstances of incident and how much they paid out on the claim
If you're fully comp the way it's supposed to work; and the way we were taught when I did my insurance exams years ago is as follows (I left insurance 8yrs ago but doubt it's changed):
- Lodge a claim with your insurer, they arrange repair etc & pay for it
- They'll then chase the other insurer.
- Once the other insurer has reimbursed them they'll close off your claim at Zero paid out
- If they charged you any extra premium in the mean time if you renewed during this process, they HAVE to refund it to you.
Don't let them fob you off. They'll make it as much as a headache as possible as they're snakes.
If you're just third party, or TPFT you can go straight to MIBI and they'll do all the legwork with the foreign insurer for you. Claim can be lodged online.
https://www.mibi.ie/making-a-claim/vehicles-registered-outside-the-state/
Honestly if you are in a position to float the repairs yourself and then chase MIBI even if you're fully comp, it's what I would do simply to save the headache because as we all know Irish insurers are not interested in making life easy
If you're having difficulty trying to claim through the other driver's insurance, you can claim off your own insurance and get your insurance company to retrieve the amount owed to them. Once this is done the claim will be closed, however, it will be an open claim on your policy until the funds have been received by your insurance company.
The only other option which you mentioned is to contact the third party insurance company and claim off their policy.
Best of luck with it.
Thanks! This is exactly what had been outlined to me from both my insurer and Allianz Ireland, open claim will impact my renewal next month while they chase the funds. Decided to reach out to the third party insurance via email (may be easier than a call due to language barrier) and if I've no luck I'll go back to my own insurer.
They have it listed as a notification for the time being.
Look for a renewal quote now and pay via direct debit, and then ask them to do their job and sort out the insurance issue your having with a non-irish insurance company.
If the truck is driving in Ireland there is a bond in place to allow them to be covered by their insurance in Ireland, a company that is dealing with cases everyday know which forms to fill out, a member of Joe soap public doesn't even realise that there are separate forms for these issues. Kick it back to the company who you are paying to represent you for insurance.
Yeah, I think the best thing you can do is contact Allianz Romania directly as the driver has admitted fault which is half the battle. They'll get in touch with their driver and confirm is he's admitting liability. You can also get in touch with the driver and get him to call Allianz Romania directly and admit he was liable.
Thanks so much! Yes, he’ll be my next point of contact if I’ve no luck with Allianz, he had almost no English so I’ll use him as a last resort. We had to try and communicate through typing into Google Translate haha
Renew your insurance before you open a claim, then it should be closed before next years renewal, happened to me a few years back (Irish insurance co) 10 days before renewal.
Is it legal to have your insurance with a company that is outside of the country you live and drive in? Why aren't we all doing that, wouldn't it be much cheaper?
OP said it was a lorry, so almost certainly delivering something from mainland Europe. Plenty of Irish registered and insured lorries doing the same thing over there. That's completely normal. You are correct that you will need local registration etc. if you're staying for more than a short visit.
You are not claiming through your own insurance, you tell your own insurance about the accident and they will contact the other party and claim on them. This should not affect your insurance at all.
Thanks! Unfortunately tried that and my insurance requested I contact the other drivers insurers, is this not the case?
This seems insane. You literally pay insurance for them to do this. TBH it’s going to affect your renewal either way, but go back to your insurers and get them to do what you pay them for.
You either claim through your insurance or you don't. You aren't half pregnant. You claim through them they'll deal with it and seek recovery but it is a claim and that's what you pay them for not to help you claim off another company
You have to be claiming comp for them to do that.
The person you spoke to is misinformed or poorly trained. You have no contract with the other drivers insurer and so they have no reason to deal with you at all. You claim from your own insurer for the damages, provide them what info you have (dash cam footage, the other drivers license plate number) and it is your insurers job to claim back the costs from the other drivers insurer. For your insurer, that process is called subrogation. It doesn't matter if they're successful in that or not, it isn't your responsibility. If your insurer is still telling you to contact anyone about it, just ask to speak to their manager (who is probably slightly more experienced and qualified) and if they say the same just ask to make a complaint. Eventually you will find somebody in your insurance company who does actually know what they're doing.
This is not true. I have my general and commercial APA and I'm CIP I work in claims and none of this is correct. Your insurer will not work on your behalf to seek liability from another person unless you have comp cover and claim through your policy. If you claim comp and state the other person is at fault your insurance company will appoint a motor assessor to inspect your vehicle. They will try contact the tp and take it from there. If liability can not be proved against the other driver and you have your damages repaired this will effect your policy. You really should not be giving out advice on a topic you don't understand . You are correct on one thing. Your insurer should not direct you to another insurance company unless they know with almost 100% certainty that the tp will not try log a claim against your policy and liability is clear. Such as your vehicle was hit while parked. Tp insured must deal with a tp regardless of a contract as motor insurance min requirement is to protect the innocent tp of an incident not the policy holder
Isn't this what I said? Where does this deviate from what I said? I said OP should claim from their policy, (which I assumed was fully comp else OPs only option was to sue the other driver and they wouldn't be asking the question). OP has dashcam so they can show their insurer that to prove tp's liability. Whether OPs insurance can recover the costs won't effect OPs no claims bonus if the dashcam proves they weren't at fault. I'm not saying it's OPs insurers job to prove TP liability, I'm saying it's their job to recover their own costs. OP already claims to have proof of TP liability. Edit: I worked in claims myself for a few years, some years ago. But it's entirely possible I'm misremembering things...
So first of all you said "You have no contract with TP insurer so they have no reason to deal with you at all" In my response I pointed out that is not true as insurance is to protect innocent TP road users not the PH" We get TP notifications all the time . We take their version of events and organize assessments for them. Then try contact our insured and do same. At this point if our insured denies liability we will advise tp to notify their own insurance company as liability is contested . Or we will notify tp insurer that an incident has occured and liability is currently contested by both parties. You go on to say if your insurer can not recover their losses "it's not your responsibility" This is a misleading statement as it implies no negative effects on their policy. This is not true as I've stated. If their insurer can not recover the losses this will impact their policy. The OP stated they did not want to claim through their policy and in that case the only other option is to try claim directly against the tp insurer. So the agent was right and asking for a manager or complaint will not change that . Now onto your new message You stated OP has dashcam footage to show his insurer proof tp is liable If you worked in claims you should know until you can see the footage you don't know what it proofs and many times people proof themselves liable with the footage thinking it will clear them . Also alot of dash cam footage we receive is poor quality and unusable as evidence. Now if the footage is clear and TP is liable. The claim will still remain open on policyholders insurance until they can recover the losses and can still be hit with a claims loading until the insurer has recovered their losses.This also means if seeking insurance else where they must inform other insurers they have an open claim. Most insurers will not take on new business with any open claim regardless of the circumstances And last if you worked in insurance you should know it changes so frequently if you are out of insurance for 2 years you are no longer considered eligible to give advice at that point even if you had previously been qualified (unless you continued your CPD hours and paid your Irish insurance institute membership)and have to start all over again. Meaning you must be supervised and only operate in pre scripted lines of business. And look I'm not trying to attack you personally just this thread as an overall is a shit show of miss-information I just want OP to know the real details so they can make the best decision for themselves
This!
Hmm, maybe I am wrong. I thought the insurance company was there to support you LOL. I dont know then.
His insurance company will only contact them if he claims off his own policy then they will contact the third party insurance company to retrieve the funds.
Ok, but that wouldnt affect his own premium and claim free years, right?
Not with the insurance company he is with, but with other insurance companies they might have different protocols. If he claims off his policy and his insurance company retrieves the money owed to them it will be put down as a 'non fault claim' on his no claims bonus if other insurance companies look for these details. Essentially, it may affect his claim free years, but his No claims bonus should remain intact as he wasn't at fault. Insurance companies can be sly with their policies. I've worked in insurance for 5 years previously and I know how frustrating it can be for customers.
Yeah, absolute twats, but they are a necessary evil.
It wouldnt affect no claims bonus but insurance companies will use the fact that you were involved in an accident (regardless of fault) as part premium calculations, it's not going to affect as much as being the cause of the accident but it is a metric they use
This is only partially true. You have to claim comp if you wish your insurance company to act on your behalf. If liability isn't accepted by the third party and your insurer can not recover the losses from the tp insurer. This will affect your policy. The level will depend on whether you have bonus protection, what type of protection , circumstances of incident and how much they paid out on the claim
If you're fully comp the way it's supposed to work; and the way we were taught when I did my insurance exams years ago is as follows (I left insurance 8yrs ago but doubt it's changed): - Lodge a claim with your insurer, they arrange repair etc & pay for it - They'll then chase the other insurer. - Once the other insurer has reimbursed them they'll close off your claim at Zero paid out - If they charged you any extra premium in the mean time if you renewed during this process, they HAVE to refund it to you. Don't let them fob you off. They'll make it as much as a headache as possible as they're snakes. If you're just third party, or TPFT you can go straight to MIBI and they'll do all the legwork with the foreign insurer for you. Claim can be lodged online. https://www.mibi.ie/making-a-claim/vehicles-registered-outside-the-state/ Honestly if you are in a position to float the repairs yourself and then chase MIBI even if you're fully comp, it's what I would do simply to save the headache because as we all know Irish insurers are not interested in making life easy
You need to go to mibi website. It will have all the info you need to make a claim to a foreign insurer
If you're having difficulty trying to claim through the other driver's insurance, you can claim off your own insurance and get your insurance company to retrieve the amount owed to them. Once this is done the claim will be closed, however, it will be an open claim on your policy until the funds have been received by your insurance company. The only other option which you mentioned is to contact the third party insurance company and claim off their policy. Best of luck with it.
Thanks! This is exactly what had been outlined to me from both my insurer and Allianz Ireland, open claim will impact my renewal next month while they chase the funds. Decided to reach out to the third party insurance via email (may be easier than a call due to language barrier) and if I've no luck I'll go back to my own insurer. They have it listed as a notification for the time being.
Look for a renewal quote now and pay via direct debit, and then ask them to do their job and sort out the insurance issue your having with a non-irish insurance company. If the truck is driving in Ireland there is a bond in place to allow them to be covered by their insurance in Ireland, a company that is dealing with cases everyday know which forms to fill out, a member of Joe soap public doesn't even realise that there are separate forms for these issues. Kick it back to the company who you are paying to represent you for insurance.
Yeah, I think the best thing you can do is contact Allianz Romania directly as the driver has admitted fault which is half the battle. They'll get in touch with their driver and confirm is he's admitting liability. You can also get in touch with the driver and get him to call Allianz Romania directly and admit he was liable.
Thanks so much! Yes, he’ll be my next point of contact if I’ve no luck with Allianz, he had almost no English so I’ll use him as a last resort. We had to try and communicate through typing into Google Translate haha
Good luck with it, had a similar situation with an incident while abroad, i got there eventually but it took 2 years to resolve.
Same, we had to swallow the cost and pain until a third-party intermediary (Dekra) got things sorted.
Surely this is for your insurance company to deal with? As in they should be the ones chasing to get you sorted out?
Contact mibi.ie Had a similar situation myself and they helped me sort it with Ukranian insurance company. Very helpful people.
Renew your insurance before you open a claim, then it should be closed before next years renewal, happened to me a few years back (Irish insurance co) 10 days before renewal.
Was it a transport company? If so you should contact them to claim of their insurance.
Yep was a transport company, have sent an email to them but no response just yet!
DM Sent
Is it legal to have your insurance with a company that is outside of the country you live and drive in? Why aren't we all doing that, wouldn't it be much cheaper?
OP said it was a lorry, so almost certainly delivering something from mainland Europe. Plenty of Irish registered and insured lorries doing the same thing over there. That's completely normal. You are correct that you will need local registration etc. if you're staying for more than a short visit.
Thank you.