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Old 22.04.2011, 15:28
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How to claim

Hello people! Happy Easter!

I had a problem yesterday. I went to Ikea to buy a couple of things. Then I was putting them inside the car. I left in the floor close to the car one of the packages containing a big poster during the 30 seconds that I needed to put other stuff in. Just in that moment a man drove over the package destrying it!! Then he gave me his contacts details and he said his insurance will pay. I was very disappointed but ok, I understand accidents can happen.
Now, what do I need to do? How do I claim the money of the poster? I never did it before and I do not know...
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Old 22.04.2011, 15:45
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Re: How to claim

You have his contact details.
Contact him.
If you have an address, send him a registered polite letter with your bill, and a copy of the receipt.
If you get no response within 2 weeks, claim of your insurance , sending them the details.
If you paid by credit card, give them a call too.
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Old 22.04.2011, 15:53
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Re: How to claim

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Hello people! Happy Easter!

I had a problem yesterday. I went to Ikea to buy a couple of things. Then I was putting them inside the car. I left in the floor close to the car one of the packages containing a big poster during the 30 seconds that I needed to put other stuff in. Just in that moment a man drove over the package destrying it!! Then he gave me his contacts details and he said his insurance will pay. I was very disappointed but ok, I understand accidents can happen.
Now, what do I need to do? How do I claim the money of the poster? I never did it before and I do not know...
First, find your household or public liability insurance details.

Keep the policy number handy for referrence, with the details of the bloke you are claiming against.

Perhaps best to contact them directly, or go to the website and download the PDS (Product Disclosure Statement). In the PDS, there will be a section called "How to Claim", the details will be there.

Calling is usually easier though:
If you are covered, the operator will provide instructions for you.

What to do will largely depend on who you have the policy with.


Note: an excess (or deductible.... same thing) usually applies, so hopefully the poster is more exensive than that.

Good luck
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Old 22.04.2011, 21:14
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Re: How to claim

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You have his contact details.
Contact him.
If you have an address, send him a registered polite letter with your bill, and a copy of the receipt.
If you get no response within 2 weeks, claim of your insurance , sending them the details.
If you paid by credit card, give them a call too.
So, I make a copy of my receipt. I write a letter. And I send to him. Then he will pay to me the cost?
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Old 22.04.2011, 21:23
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Re: How to claim

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So, I make a copy of my receipt. I write a letter. And I send to him. Then he will pay to me the cost?
...sorry, I am not a mind reader or fortune teller.

I can play the spoons though.
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Old 23.04.2011, 19:46
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Re: How to claim

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...sorry, I am not a mind reader or fortune teller.

I can play the spoons though.
My question was if that was the way to proceed, not to read the future.
I never had to claim anything before. I thought I should contact the insurance myself but look like I have to contact this guy and he will do it.
So annyoing...I could have the poster in the wall already and now I will need few weeks to clear that.
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Old 23.04.2011, 19:53
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Re: How to claim

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My question was if that was the way to proceed, not to read the future.
I never had to claim anything before. I thought I should contact the insurance myself but look like I have to contact this guy and he will do it.
So annyoing...I could have the poster in the wall already and now I will need few weeks to clear that.
No, your question was clearly asking if he would pay or not.
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Old 23.04.2011, 23:07
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Re: How to claim

hehe, I did not mean it litteraly.
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Old 26.04.2011, 16:22
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Re: How to claim

How looks this? Any more infro I should put in? My bank account?
"Dear Mr XX,
I am writing you referring to the accident occurred last Thursday 21st April in the parking of Ikea Spreitenbach.
The item you drove over with your car was a PREMIÄR bild that we just bought for 199.-CHF. I attach a copy of the receipt.
Anything more you need from me to make the claim to your insurance please do not hesitate to contact me.
My phone numbers,
Work: 5555
Mobile: 5550
Best Regards,
XY"

This will be fine?
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Old 26.04.2011, 16:49
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Re: How to claim

If you give him your bank details he could actually pay you!

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How looks this? Any more infro I should put in? My bank account?
"Dear Mr XX,
I am writing you referring to the accident occurred last Thursday 21st April in the parking of Ikea Spreitenbach.
The item you drove over with your car was a PREMIÄR bild that we just bought for 199.-CHF. I attach a copy of the receipt.
Anything more you need from me to make the claim to your insurance please do not hesitate to contact me.
My phone numbers,
Work: 5555
Mobile: 5550
Best Regards,
XY"

This will be fine?
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Old 25.05.2011, 22:18
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Re: How to claim

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How looks this? Any more infro I should put in? My bank account?
"Dear Mr XX,
I am writing you referring to the accident occurred last Thursday 21st April in the parking of Ikea Spreitenbach.
The item you drove over with your car was a PREMIÄR bild that we just bought for 199.-CHF. I attach a copy of the receipt.
Anything more you need from me to make the claim to your insurance please do not hesitate to contact me.
My phone numbers,
Work: 5555
Mobile: 5550
Best Regards,
XY"

This will be fine?
Quote:
View Post
How looks this? Any more infro I should put in? My bank account?
"Dear Mr XX,
I am writing you referring to the accident occurred last Thursday 21st April in the parking of Ikea Spreitenbach.
The item you drove over with your car was a PREMIÄR bild that we just bought for 199.-CHF. I attach a copy of the receipt.
Anything more you need from me to make the claim to your insurance please do not hesitate to contact me.
My phone numbers,
Work: 5555
Mobile: 5550
Best Regards,
XY"

This will be fine?
I have experience in this area.

From the facts given, it appears that he has a liability policy that either he expects you to claim under (the normal route) or he is able to claim under.

I would amend your draft as follows:

QUOTE
Re : Accident - 21 April 2011, Ikea Spreitenbach.

Dear Mr XX,
with reference to the above, please note that the item that you drove over with your car was a PREMIÄR bild that I just purchased for 199.-CHF. I attach a copy of the receipt.

I have very briefly spoken to a lawyer and I assume that you will be making a claim under your insurance policy. If not, you would anyway owe me a duty of care.

I look forward to receiving the money on my bank account (see details below), by XXX (being 3 weeks from the date of this registered letter). I do not wish to take further steps in this matter.

Please confirm receipt of this letter and advise if you require any more details.

My bank account details are as follows:

My contact details are as follows:
Email :
Mobile :

I look forward to your response as soon as possible.

Yours sincerely,
XY"
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  #12  
Old 27.05.2011, 00:36
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Re: How to claim

Further to my post above, actually, since the man was driving a car at the time, he is obliged to have car insurance (including third party liability). It is this insurance that will have to pay the claim (obviously I drank too much wine last night....).

This does not change much for you except the fact that there is definitely insurance in place, so you won’t need to pursue him through the courts.

Let me know if he refuses to pay by the deadline sent.

In future cases of this kind (essentially a car accident where another driver is to blame), it makes sense to collect the following details:

1) Name & Address (but see ask to see some proof, at least of the name, for example, sight of the driving licence).
2) Car registration number.
3) Name, address, and policy number of the car insurance.
4) Also note the date, time, place, and for serious accidents see if any witnesses will give you their name and address.
5) If they refuse to give you these details, then threaten to call the police, and write down the car registration number in any event. If they drive off, call the police to report the accident.
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Old 27.05.2011, 07:23
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Re: How to claim

I'm not sure I would necessarily mention a lawyer in your first letter - it might get things off on a sour note when actually you understand it was an accident, he's happy to pay and it can all be done amicably. Plus, it might seem excessive to claim to have consulted a lawyer over CHF200 before he's actually refused to pay!
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