Just involved in a concertina car crash

[Vesper Martini]

Originally Posted by ford71V8

"Ah yeah we know her well, she's sleeping now, wont be running into people for a few hours yet"


How about taking her license away too?

Doubt she has one let alone insurance.

Unfortunately for the good drivers, that never hot anyone. you need full insurance to cover for the likes of "Her"

[Vesper Martini]

*hit anyone

[kevino]

Originally Posted by ford71V8

"Ah yeah we know her well, she's sleeping now, wont be running into people for a few hours yet"


How about taking her license away too?

Correct
Car had no rego or insurance as six months later after my insurer paid 4 k to fix my car I got notification the insurer had passed the recovery of costs to a melb legal firm maybe the one mentioned earlier in the thread.


It was fun watching her Korean built Barina drive away with significant frontal damage and smoke steam coming out of it.
Druggie bitch.

[burnz]

Originally Posted by Syndrome

Minding my own business going home from work. Crawled to a stop then get slammed from behind. Guy in an Audi ran into the back of a Holden in front of him when then pushed the Holden into the back of my car. Damage isn't major but damn nuisance.

So who pays for my car repairs? The Audi driver or the Holden driver?

your claim is against the Holden driver, he's insurance will claim the Audi driver.

[prktkljokr]

Used to go to these crashes on a daily basis when towing, your claim is with the guy who hit you, whatever happened to him is not your problem, your insurer will still need all details of parties involved though .

You can deal with his insurance or just use yours, it does not matter as its a not at fault claim, your no claim bonuses are not affected.

You are entitled to a hire car while yours is out of action, If your insurer does not offer 1, there are companies that specialise in this all you need is the other insured parties claim number and details, they bill the other insurance company direct, "Right to Drive" is 1 company

[marty351]

If you're only covered by 3rd party, would your insurer handle your claim against the other driver, or are you completely on your own?

[ozpacman]

About a fortnight ago I was sitting behind a couple of vehicles at a red traffic light in Cairns and got rear-ended by a woman in a Land Cruiser. The poor little i30 copped a pretty decent whack and will require a replacement hatch and bumper, as well as repairs to the cargo area floor.

We were both comprehensively insured, but the i30 has only ever been insured for market value. I was a bit shocked to read the policy and find that figure was now supposedly $4.5k, so my biggest concern was that they'd write the car off. The panel beater thought that would be the most likely outcome.

Thankfully the insurance company has approved the repair. I use this little car it every day, and it's worth way more to me than the $4.5k payout figure. We bought it new and have looked after it and despite the 227k on the clock it's been thoroughly reliable and has never let us down. I think I might need to look at an agreed value once it's repaired.

Which brings me to another all too familiar story in these times of supply chain and skills shortages. The repair was approved two weeks ago and the earliest available date to commence the repair is April 20th!

[prktkljokr]

Originally Posted by marty351

If you're only covered by 3rd party, would your insurer handle your claim against the other driver, or are you completely on your own?

Some insurance companies will act on your behalf if you are a not at fault and 3rd party insured with them, they just claim all cost's from the other insured person.

But sometimes its in your best interest to claim against the other insurance company to get a fair settlement in the event of a write off, you don't have to accept the offer that's on the table if you cant replace what you have for the amount offered.

if the other person is not insured and you only have 3rd party, you are on your own .

[Itsme]

You go through your own and the car insurance that hit you, the insurance companies that are involved will work out the mess who pays who.

[Syndrome]

I am insured Citroenbender. Wouldn't drive without it.

Quote function does not always want to work on this forum.

[lra]

But sometimes its in your best interest to claim against the other insurance company to get a fair settlement in the event of a write off, you don't have to accept the offer that's on the table if you cant replace what you have for the amount offered. .

I have had quite a bit of practice in regards to this, and have come to the conclusion that the easiest way is to claim via your insurance. You pay the premium for them to act on your behalf.


You go through your own and the car insurance that hit you, the insurance companies that are involved will work out the mess who pays who.

As I wrote above.

[ford71V8]

Originally Posted by Syndrome

I am insured Citroenbender. Wouldn't drive without it.

Quote function does not always want to work on this forum.

Quote function NEVER works for me when I try to quote Citroenbender. All other members, no problem.

[arm79]

Originally Posted by kevino

Really.

Yep. Name, address, rego and address of the vehicle owner is all that is required.

Normally people just share their licences and each other copy the details off and be done with it. But if the person declines to give it, its not illiegal. They just have to give you the details verbally.

The question these days is whether the details they give are true or not.

Originally Posted by prktkljokr

if the other person is not insured and you only have 3rd party, you are on your own .

Depends on the provider of the policy. AAMI has a feautre on third party policies that they will pay out upto $5k to repair damage or a total loss caused by an unsured driver. But you have to be 110% not at fault and provide them with the other drivers name, address and rego.

Seems to be a feature of all Suncorp brand insurers. RACQ has it too, so I assume all Insurance Manufacturers policies have it too.

I'm guessing they just send their expenses for recovery or to small claims on your behalf.

One of those benefits where it pays to pay attention to the fine print.

[arm79]

Originally Posted by ford71V8

Quote function NEVER works for me when I try to quote Citroenbender. All other members, no problem.

That is because it's wrong to mess with greatness! Like the Chuck Norris of AFF!

[Junkyard-Dog]

Originally Posted by ford71V8

Quote function NEVER works for me when I try to quote Citroenbender. All other members, no problem.

Maybe it's because of the umlaut in his name.

[GasoLane]

Originally Posted by ford71V8

Quote function NEVER works for me when I try to quote Citroenbender. All other members, no problem.

Really?

Originally Posted by Citroënbender

You’re not legally obligated to provide a phone number, just address details that should correspond with the licence.

[Work Horse]

A few years ago my wife was rear ended; the impact pushed her into the car in front. Her car was a write off. We claimed against the insurance of the last driver and passed his details on when contacted by the driver of the car in front of my wife.

As mentioned, if the accident is not your fault you are entitled to a replacement car until yours is fixed/paid out.

The sting in the tail came with my wife’s next renewal, her premium almost doubled. My wife is many years rating 1, 30+ years driving and never been in an at fault accident.

Changing insurer made no difference. Insurers all acknowledged my wife was not at fault, but it took years for her premiums to return to normal.

[Vesper Martini]

Originally Posted by Work Horse

A few years ago my wife was rear ended; the impact pushed her into the car in front. Her car was a write off. We claimed against the insurance of the last driver and passed his details on when contacted by the driver of the car in front of my wife.

As mentioned, if the accident is not your fault you are entitled to a replacement car until yours is fixed/paid out.

The sting in the tail came with my wife’s next renewal, her premium almost doubled. My wife is many years rating 1, 30+ years driving and never been in an at fault accident.

Changing insurer made no difference. Insurers all acknowledged my wife was not at fault, but it took years for her premiums to return to normal.

That shouldn't happen, there is a thing called a no-claim bonus.
which should not have ben affected if your wife wasn't at Fault.
did you pay any excess?

[Work Horse]

Originally Posted by Vesper Martini

That shouldn't happen, there is a thing called a no-claim bonus.
which should not have ben affected if your wife wasn't at Fault.
did you pay any excess?

Yes with Budget Direct, any claim requires paying your excess. I believe that is the requirement of most insurance policies.

Most car insurance providers want to know of any accidents you have been in for the previous 5 years, at fault or not. It definately effects the premium you pay.

[Vesper Martini]

Im with RACV and do not have to pay an Excess if its not my Fault, I've also used AAMI without an Excess.

I think it depends on your Policy, but read the below on AAMI

https://www.aami.com.au/aami-informe...fault%20driver.

An accident that's not your Fault should not affect your no claims bonus, but I can't speak for Budget Direct

[GasoLane]

Originally Posted by Work Horse

Yes with Budget Direct, any claim requires paying your excess. I believe that is the requirement of most insurance policies.

Most car insurance providers want to know of any accidents you have been in for the previous 5 years, at fault or not. It definately effects the premium you pay.

Not quite. If it's a not at fault crash and you provide the other drivers details no excess is payable.

I bumped into a Roo 6 years ago which cost Coles Ins $10,500. I paid the $650 excess but had no increase in premiums........ however this year Comp Ins went up $200pa and agreed value went down $2500 so I moved elsewhere

[Vesper Martini]

Just on the above we often rotate between insurance companies, Just like electricity supply they seem to look after new customers above existing.

[GasoLane]

Originally Posted by Vesper Martini

Just on the above we often rotate between insurance companies, Just like electricity supply they seem to look after new customers above existing.

I changed to GIO who has an office here in town (Suncorp)

They get 13% commission on new insurance clients but only 8% on renewals, a bit of an incentive to look after new clients perhaps?

[prydey]

Originally Posted by Vesper Martini

Just on the above we often rotate between insurance companies, Just like electricity supply they seem to look after new customers above existing.

Crazy isn't it. You'd think they'd value loyalty.

So many businesses/industries now, in their quest to lure new customers, are inadvertently costing themselves their loyal customers.

[Work Horse]

I can only tell you my experiences.

I am in small business and pay thousands in premiums for various insurance cover and have done for many years.

I rarely claim anything through insurance so was pretty dark when the wifes premiums increased.

[Vesper Martini]

Originally Posted by GasoLane

I changed to GIO who has an office here in town (Suncorp)

They get 13% commission on new insurance clients but only 8% on renewals, a bit of an incentive to look after new clients perhaps?

Good Tip, I might try them next as we now Bank with Suncorp

[arm79]

Originally Posted by Work Horse

Yes with Budget Direct, any claim requires paying your excess. I believe that is the requirement of most insurance policies.

Most car insurance providers want to know of any accidents you have been in for the previous 5 years, at fault or not. It definately effects the premium you pay.

Which is why I avoid Budget by 2 country miles, they sound like the biggest ***-wipe of an insurance company. I have no ideas how they win so many awards or are ranked so highly.

I've never been involved with an insurance company that charges an excess when you are not at fault. They determine that quickly over the phone. Not as fault, no excess. At fault they take an excess payment there and then these days.

All insurance companies want to know about prior accidents, but its only the at fault claims that affect your premiums. The at fault claims are considered a measure of your driving skills, care and risk.

I just moved Dad over to Shanons and I listed all his claims, which were not at fault, and asked if they impacted his premium or rating. To which they said "no, only at fault claims".

It might be that Budget saw the claim as at fault or since you paid an excess any subsequent insurer would see it as an at fault claim, regardless of the realities.

I remember getting a quote through Budget. It was a protracted annoying process, only eclipsed by Youii - that was a ridiculous waste of time, at the end they said "we will only decide on whether we insure you after we inspect your car. After you pay you must then take your car for inspection where they will record every mark, stone chip and scratch and any claim you are paid will be less these recorded blemishes". Right there I said "**** that, never dealing with these clowns again".

[Work Horse]

Off topic...

I never auto renew any insurance, never allow direct debt.

It is a pita to constantly changing insurer, (I use a broker) but once you are a regular, embedded, loyal to an insurer you often pay a higher premium than a new customer.

[aussiblue]

"Concertina car" they're the ones circus clowns have aren't they?

[Work Horse]

Originally Posted by arm79

Which is why I avoid Budget by 2 country miles, they sound like the biggest ***-wipe of an insurance company. I have no ideas how they win so many awards or are ranked so highly.

I've never been involved with an insurance company that charges an excess when you are not at fault. They determine that quickly over the phone. Not as fault, no excess. At fault they take an excess payment there and then these days.

All insurance companies want to know about prior accidents, but its only the at fault claims that affect your premiums. The at fault claims are considered a measure of your driving skills, care and risk.

I just moved Dad over to Shanons and I listed all his claims, which were not at fault, and asked if they impacted his premium or rating. To which they said "no, only at fault claims".

It might be that Budget saw the claim as at fault or since you paid an excess any subsequent insurer would see it as an at fault claim, regardless of the realities.

I remember getting a quote through Budget. It was a protracted annoying process, only eclipsed by Youii - that was a ridiculous waste of time, at the end they said "we will only decide on whether we insure you after we inspect your car. After you pay you must then take your car for inspection where they will record every mark, stone chip and scratch and any claim you are paid will be less these recorded blemishes". Right there I said "**** that, never dealing with these clowns again".

Budget Direct were actually adaquate for my wifes claim.

She was not found at fault, hit hard from behind while stationary.

She is no longer with Budget Direct. Every insurance company we contacted (lots and lots) wanted to know about any accident she had been involved in and all increased their premium for a no fault claim accordingly.

Again I can only comment on my experience.