Motor Articulated lorry reversed into parked car - how does claim for damage repair work?

bren1916

Registered User
Messages
369
Hi,

The above incident happened in my wife's place of work this morning. Nobody was injured and truck driver has given insurance details, etc. My query relates to damage, the rear window is totally smashed in along with back lights and damage to boot door. My Q is, (assuming his insurance pays for repairs and substitute car until repairs are completed) - is our car now considered a 'crashed car' and is this factored into the insurance claim or is it classed as 'cosmetic'?

Thanks,

Bren
 
Last edited:

Leo

Moderator
Messages
13,743
is our car now considered a 'crashed car' and is this factored into the insurance claim?
I don't understand how you feel that wouldn't factor into the claim. If your car wasn't a 'crashed car', it wouldn't have suffered any damage and there would be no grounds for a claim. You will just be claiming from their insurance to put right the damage caused to your car.

When renewing or seeking future quotes, you will of course have to disclose the claim for a time.
 

RedOnion

Frequent Poster
Messages
6,198
When renewing or seeking future quotes, you will of course have to disclose the claim for a time.
Why? It'll be settled on somebody else's insurance, so it is them making the claim? Or have I missed something?
 

Leo

Moderator
Messages
13,743
Why? It'll be settled on somebody else's insurance, so it is them making the claim? Or have I missed something?
Most if not all ask that you declare any claims made against your own or other policies in the last 3-5 years.
 

RedOnion

Frequent Poster
Messages
6,198
Most if not all ask that you declare any claims made against your own or other policies in the last 3-5 years.
Interesting. I had a genuine reason for asking.

My wife had a similar scenario - someone else drove into her in a car park. Contacted her insurers at the time, and they said they didn't want to know about it as claim was on other persins policy. But she's changed insurer since, so I must check what they asked / said about it.
 

Blackrock1

Registered User
Messages
980
Interesting. I had a genuine reason for asking.

My wife had a similar scenario - someone else drove into her in a car park. Contacted her insurers at the time, and they said they didn't want to know about it as claim was on other persins policy. But she's changed insurer since, so I must check what they asked / said about it.
i had this row with insurers before, some treat a claim on someone elses policy that wasnt your fault as a claim anyway, baffles me.
 

KOW

Registered User
Messages
419
Hi,

The above incident happened in my wife's place of work this morning. Nobody was injured and truck driver has given insurance details, etc. My query relates to damage, the rear window is totally smashed in along with back lights and damage to boot door. My Q is, (assuming his insurance pays for repairs and substitute car until repairs are completed) - is our car now considered a 'crashed car' and is this factored into the insurance claim or is it classed as 'cosmetic'?

Thanks,

Bren
Snap. Exact same thing happened me a number of years ago. I had my year old Toyota Avensis estate parked outside my workplace. Funny enough the rear tailgate door and bumper were destroyed but no paint damage to anything else. So really all new parts etc around 2700 euro damage. The garage that fixed the car advised me to also claim depreciation from the insurance company. This i did. I think I got around 600euro from insurance company. It went through an insurance company up north. Not sure but at the time I think depreciation was a % of the repair. I do remember not taking the first offer.
 
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