Messages

Frank was a legend of a player. RIP.

cant see monaghan beat them but they'll put up a better fight

You would hope they would put up a better fight than that.

Holy God, I enjoyed that. Rory Beggan nerves of steel.

Mooney's sublime flick and point just before half time was a big moment too. It was a great boost to be going in ahead a t half time.
   Donegal never really got sufficiently in front so they could strangle the life out of Down. 
   

That's genuinely exceptional from Down.

Almost flawless decision making.

Guinness and Murdock and Mooney all superb.

Good to see the 3 of them getting plaudits in a huge game like this, Mooney in his school/minor days was as good as you'll ever see at that age before going to Australia. Three great athletes.

Championship has been super so far, I would hate to see Down playing Tailteann cup after that today, would be criminal

Down will be fine. Don't see Westmeath beating Kildare

I wouldn't be so sure. Westmeath scoring goals at will in last 2 games and have a lot of momentum now. They are a handful for anyone let alone Kildare who haven't been firing this year.

Can anyone remember if O'Neils made GAA county cycling jerseys?

Yes I somehow inherited a Down one from somewhere.

Ha! I was beginning to think I had imagined seeing these in the O'Neil shop a few years ago.

Can anyone remember if O'Neils made GAA county cycling jerseys?

Well that was unexpected. As others have said only a league final but still that was slick by Donegal.

We should won that game well but lacked composure. Couldn't buy a free from referee in last 10 minutes and in ET.

Down arrogance, barely celebrated winning tonight. A county with notions. Tailteann Cup is their level.

On a final note ridicilous game on so late with ET. Facing into hour trip back to Wexford.

That's a bit harsh, Down players seemed overjoyed at the end and well they should as Wexford threw it away in 2nd half.
   I would hope every county should have ' 'notions' of improving themselves and competing at a higher level.
  Wexford are a decent outfit and 2 promotions in consecutive years is super going. Division 2 will be a tough league next year and hopefully both Wexford Down fair better than Offaly and Kildare.
  Anyway safe journey home and good luck in the championship

You could say that a bounce of the ball  literally won it for Down

That was an absolute   freak moment.

If you look at it again I think he was in two minds whether to toe tap or to bounce and he lost control

Wexford blew it in the second half of normal time. Down there for the taking. Ryan Mc Avoy made a huge difference late in the second half and dragged Down back into it.
    Liam Kerr also made a big difference and some of his direct runs gave the Wexford defence something else to worry about apart from Odhran.
    Down will not be happy with that performance, but they have a lot of room for improvement.
   

[or]

Elderly father had a small accident, were he reversed into a parked vehicle. Tiny scratch on rear bumper of father's vehicle and small dent in rear panel of the other vehicle.
    Dad offered to get the dent fixed but young lad went ahead and put it through insurance. Used that CRASH crowd. Our insurance wrote back after it and gave us final figure that they paid out. Over £36k
    Actually still cant believe it.
Costs include credit hire, credit repair and solicitors costs.
    Parasites, really if we are being honest.

that is surprising as anything above the cost of the car they declare as write off as its cheaper then repairs and ongoing legal fees, what was the other car worth?

I would say max 8k. BMW 3 series 2012 Small dent rear quarter panel.
  Young fella does have a new car now so I'm not sure did he have it written off.
  I think as others have said probably hire car and other add ons. I've been told people are being advised to claim for damage to car seats, laptops etc.
  As I said I think some people basically see it as free money without repercussions for the other party. In our case had fairly big effect on my dad and basically put him off the road.
 
 

From the young fellas point of view he's in between a rock and a hard place. If he doesn't report it and they find out which is highly likely he's facing potentially very large cost implications down the line because of how insurers operate.

So I have a lot of sympathy for both parties here.

David, maybe I'm missing something, but if we had of paid his mechanic/body man to repair the car, how would anybody find out about that?
    Surely neither party would be informing their insurance provider, sure that's the whole point of paying it yourself so they dont find out and your premiums aren't affected.
    I suppose I can sort of understand going through insurance for a bigger repair( this was I'm not kidding an egg size dent) or maybe in a different area were you worried the other party mighn't pay. But in a small rural village were both parties are well known to one another it's hard to understand.
      No the main thrust of my post anyway, but was trying to highlight the absolute absurdity of a 36k cost for this.
   
 

Insurers are obviously aware this happens so have systems in place to detect it. The biggest system is the incentives they offer repairers to report jobs done for cash. Some repairers can benefit greatly from these incentives and are happy to comply. They obviously have other ways of finding out that are less obvious.  It's happened to both my mother in law and sister in law in recent years one in the north and one in the south. They paid privately for sub £500 repairs. Then received letters after the next renewal querying the repair and why it wasn't disclosed. Result one insurance was cancelled leading to increased premiums. The other just resulted in slightly increased premiums.

In addition is not uncommon if there is a subsequent accident for a loss adjuster to query why a previous repair was done and not disclosed.

It's becoming very common in the criminal sphere in the north for insurers to hold the information of a previous undeclared accident up their sleeve then when there is an accident claim the insurer will tell PSNI insurance is invalid and the driver has no insurance (no basis in law for this) or that the policy was obtained fraudulently.

Given that you are legally obligated to report to the police any accident that causes injury to another person or damage to someone else's property and you are legally obligated to declare 6 year accident history even when not at fault I can see why others wouldn't want to take the risk. Even if the person at fault is acting with the best of intentions there's always a risk

I wasn't aware of the fact that you must autommatically report to police any accident that caused damaged to another
person's property. I thought you are obliged to report to police in the case were you cant contact the person/exchange details.
   So if I reverse into neighbours fence by accident, get hold of the neighbour and tell him I'm going to fix the fence, I still must contact the police to report the incident, is that the law David?

Assuming the fence is on a road or other public place then yes. It's Article 175 of the Road Traffic (Northern Ireland) Order 1981. Certain animals too.

I had two friends fail their test back in the day because the first one hit a dog and didn't contact police and the second one knowing the reason the first had failed got failed for stopping after hitting a cat.

Thanks David, I never knew that. The police's advice from their own website is not very clear

1. Stop your vehicle and remain at the scene for a reasonable time
2. Report the collision within a reasonable time, either to police via 101 or the other party involved if they are present.
3. Exchange details with the other party, regardless of where you feel fault lies. The details you MUST exchange are: Name, Address, Vehicle registration number, details of your vehicle owner (if you do not own the vehicle you are driving). It may also be helpful if you carry a copy of your insurance certificate and be able to provide details of your insurer and the policy number you are covered under.

Elderly father had a small accident, were he reversed into a parked vehicle. Tiny scratch on rear bumper of father's vehicle and small dent in rear panel of the other vehicle.
    Dad offered to get the dent fixed but young lad went ahead and put it through insurance. Used that CRASH crowd. Our insurance wrote back after it and gave us final figure that they paid out. Over £36k
    Actually still cant believe it.
Costs include credit hire, credit repair and solicitors costs.
    Parasites, really if we are being honest.

that is surprising as anything above the cost of the car they declare as write off as its cheaper then repairs and ongoing legal fees, what was the other car worth?

I would say max 8k. BMW 3 series 2012 Small dent rear quarter panel.
  Young fella does have a new car now so I'm not sure did he have it written off.
  I think as others have said probably hire car and other add ons. I've been told people are being advised to claim for damage to car seats, laptops etc.
  As I said I think some people basically see it as free money without repercussions for the other party. In our case had fairly big effect on my dad and basically put him off the road.
 
 

From the young fellas point of view he's in between a rock and a hard place. If he doesn't report it and they find out which is highly likely he's facing potentially very large cost implications down the line because of how insurers operate.

So I have a lot of sympathy for both parties here.

David, maybe I'm missing something, but if we had of paid his mechanic/body man to repair the car, how would anybody find out about that?
    Surely neither party would be informing their insurance provider, sure that's the whole point of paying it yourself so they dont find out and your premiums aren't affected.
    I suppose I can sort of understand going through insurance for a bigger repair( this was I'm not kidding an egg size dent) or maybe in a different area were you worried the other party mighn't pay. But in a small rural village were both parties are well known to one another it's hard to understand.
      No the main thrust of my post anyway, but was trying to highlight the absolute absurdity of a 36k cost for this.
   
 

Insurers are obviously aware this happens so have systems in place to detect it. The biggest system is the incentives they offer repairers to report jobs done for cash. Some repairers can benefit greatly from these incentives and are happy to comply. They obviously have other ways of finding out that are less obvious.  It's happened to both my mother in law and sister in law in recent years one in the north and one in the south. They paid privately for sub £500 repairs. Then received letters after the next renewal querying the repair and why it wasn't disclosed. Result one insurance was cancelled leading to increased premiums. The other just resulted in slightly increased premiums.

In addition is not uncommon if there is a subsequent accident for a loss adjuster to query why a previous repair was done and not disclosed.

It's becoming very common in the criminal sphere in the north for insurers to hold the information of a previous undeclared accident up their sleeve then when there is an accident claim the insurer will tell PSNI insurance is invalid and the driver has no insurance (no basis in law for this) or that the policy was obtained fraudulently.

Given that you are legally obligated to report to the police any accident that causes injury to another person or damage to someone else's property and you are legally obligated to declare 6 year accident history even when not at fault I can see why others wouldn't want to take the risk. Even if the person at fault is acting with the best of intentions there's always a risk

I wasn't aware of the fact that you must autommatically report to police any accident that caused damaged to another
person's property. I thought you are obliged to report to police in the case were you cant contact the person/exchange details.
   So if I reverse into neighbours fence by accident, get hold of the neighbour and tell him I'm going to fix the fence, I still must contact the police to report the incident, is that the law David?

Elderly father had a small accident, were he reversed into a parked vehicle. Tiny scratch on rear bumper of father's vehicle and small dent in rear panel of the other vehicle.
    Dad offered to get the dent fixed but young lad went ahead and put it through insurance. Used that CRASH crowd. Our insurance wrote back after it and gave us final figure that they paid out. Over £36k
    Actually still cant believe it.
Costs include credit hire, credit repair and solicitors costs.
    Parasites, really if we are being honest.

that is surprising as anything above the cost of the car they declare as write off as its cheaper then repairs and ongoing legal fees, what was the other car worth?

I would say max 8k. BMW 3 series 2012 Small dent rear quarter panel.
  Young fella does have a new car now so I'm not sure did he have it written off.
  I think as others have said probably hire car and other add ons. I've been told people are being advised to claim for damage to car seats, laptops etc.
   As I said I think some people basically see it as free money without repercussions for the other party. In our case had fairly big effect on my dad and basically put him off the road.
 
 

From the young fellas point of view he's in between a rock and a hard place. If he doesn't report it and they find out which is highly likely he's facing potentially very large cost implications down the line because of how insurers operate.

So I have a lot of sympathy for both parties here.

David, maybe I'm missing something, but if we had of paid his mechanic/body man to repair the car, how would anybody find out about that?
     Surely neither party would be informing their insurance provider, sure that's the whole point of paying it yourself so they dont find out and your premiums aren't affected.
     I suppose I can sort of understand going through insurance for a bigger repair( this was I'm not kidding an egg size dent) or maybe in a different area were you worried the other party mighn't pay. But in a small rural village were both parties are well known to one another it's hard to understand.
      No the main thrust of my post anyway, but was trying to highlight the absolute absurdity of a 36k cost for this.
   
   

Elderly father had a small accident, were he reversed into a parked vehicle. Tiny scratch on rear bumper of father's vehicle and small dent in rear panel of the other vehicle.
    Dad offered to get the dent fixed but young lad went ahead and put it through insurance. Used that CRASH crowd. Our insurance wrote back after it and gave us final figure that they paid out. Over £36k
    Actually still cant believe it.
Costs include credit hire, credit repair and solicitors costs.
    Parasites, really if we are being honest.

that is surprising as anything above the cost of the car they declare as write off as its cheaper then repairs and ongoing legal fees, what was the other car worth?

I would say max 8k. BMW 3 series 2012 Small dent rear quarter panel.
  Young fella does have a new car now so I'm not sure did he have it written off.
  I think as others have said probably hire car and other add ons. I've been told people are being advised to claim for damage to car seats, laptops etc.
   As I said I think some people basically see it as free money without repercussions for the other party. In our case had fairly big effect on my dad and basically put him off the road.