Insurance Dilemma... GRRR People with no insurance!

[LD_Mart]

Hey Guys,
I know non of you are lawyers on here, well some of you might but i need some advice for a car crash i was recently been involved. some of you might of been in this situation before.

Before i start i only have 3rd party insurance

On thursday 17th of may i was driving north bound and a car south bound turned right in front of me at an intersection. They are at fault blah blah anyway that bit has been sorted. They were in the wrong. My car is a full write off, chasiss is ****ed, air bags went off, engine is basically in the front seat.

The problem now is, it took the cops till now to determine who was at fault cause they are lazy as ****.
But i also find out today that the people who are at fault have no insurance.

So its a tough situation,
I ring the towing company as i know now i have to obviously fork out the bill and try and get my car off there lot as i have to pay for it everyday it is there. so i owe 70 bucks for each day plus towing fees so lets say roughly $1000

I ring my insurance and in my contract i can get paid out $3000 for people who are uninsured but then they own my car. They will also pay the towing and storage costs


So what do i do?

If i take the $3000 am i then aloud to fight the person who is at fault for the rest of the value of my car. Which is another $2000, my car value is $5000. Or if i take the $3000 am i then not aloud to fight for the rest of my money?

or

Do i just take the car, get it towed back to mine pay the $1000 bucks. Then get a solicitor to write a letter of demand for the value of my car $5000 plus towing and storage costs - Total of $6000


The main problem i have is the people who i was in a crash with speak little to no english which is a big pain the ass.
If anyone has any thoughts on what to do let me know.

Cheers

[Indie]

****ing hell. God I ****ing hate these ****s. Sorry to hear about this, mate.

[curtis265]

shit, quite a pickle.

I'm sorry to hear your situation, it really sucks, i hate people that run without insurance

I would try sue the money out of them but there's a chance you'll end up with $20/week for 10 years..

[LD_Mart]

I think ill just seek legal advice tomorrow but was just hoping someone on here might of been in the same situation as me :(



shit, quite a pickle.
there's a chance you'll end up with $20/week for 10 years..

Its not as if they were poor, they were driving around in a newish honda accord euro

[CrystalSkull]

On thursday 17th of may....

it took the cops till now to determine who was at fault cause they are lazy as ****.

You lost me at I was involved in an accident less than 2 weeks but the police are lazy.
Are you serious?

You need a reality check before you start asking for other people's help.

[LD_Mart]

Well considering the cop told me he had been lazy as about the case to me on the phone, dont really think so. He said i should of had this sorted for you the day after.

[bennjamin]

It really should be mandatory to have full insurance.

[CrystalSkull]

Australia has become a nation 'me first and the gimme-gimmes', we don't know how good we've got it and we moan if something doesn't happen 'right now'. Unless you're suffering at some form of institutional discrimination or disadvantage (perhaps you're homeless, or you've lost your job and are really struggling to keep any form of housing, you have a major mental illness, or you have a disability and the government doesn't adequately assist you or your family with care, need i go on?), having to wait a week for the police to sort out an insurance matter is something to moan and swear about? on the internet (luxury) no less about a car (another luxury). I'm sure you're a decent person but get some perspective!

[LD_Mart]

Maybe i can have a small moan if im going to be in debt a car and extra cost of $1000 which didnt really need to be there. I bet you have had a complaint at some point in your life or are you perfect?
Maybe you should take your whining some where else. I obviously know there is people out there worse then me, im not delusional and i didnt at any point say my life is the is the worst life in the world, did i.
What help did u give me in the situation??? None!
What did you gain out of writing this stuff??? Nothing

Just trying to get some advice. Sorry im not as good as you in life mate. i wish i could be more like you phfttt not.
stop being such a sore loser and let me get some helpful advice which might get me some where in the situation i am currently in.

[Jccck]

Australia has become a nation 'me first and the gimme-gimmes', we don't know how good we've got it and we moan if something doesn't happen 'right now'. Unless you're suffering at some form of institutional discrimination or disadvantage (perhaps you're homeless, or you've lost your job and are really struggling to keep any form of housing, you have a major mental illness, or you have a disability and the government doesn't adequately assist you or your family with care, need i go on?), having to wait a week for the police to sort out an insurance matter is something to moan and swear about? on the internet (luxury) no less about a car (another luxury). I'm sure you're a decent person but get some perspective!

TL;DR

It's their bloody job to determine the 'at fault' driver at the scene so insurance can be notified and a proper report can be written.
If they were expected to do half-a-job, they should've signed up to the local Council.

"A couple of cars crashed, i don't know why or who caused it.. But i'll solve it one day next fortnight!"
Isn't the attitude we should expect from the Police.

OP, you have every right to fight for the money you're entitled too.. But as Curtis said, it's quite likely they could screw you around further with a payment plan.

[Indie]

Australia has become a nation 'me first and the gimme-gimmes', we don't know how good we've got it and we moan if something doesn't happen 'right now'. Unless you're suffering at some form of institutional discrimination or disadvantage (perhaps you're homeless, or you've lost your job and are really struggling to keep any form of housing, you have a major mental illness, or you have a disability and the government doesn't adequately assist you or your family with care, need i go on?), having to wait a week for the police to sort out an insurance matter is something to moan and swear about? on the internet (luxury) no less about a car (another luxury). I'm sure you're a decent person but get some perspective!When every day you have to wait is costing you money, then yes, waiting for the police to do their jobs properly IS 'something to moan about'.

Now, here's some perspective for you: You're sitting here moaning about somebody else discussing a genuine problem they have, with people who are trying to help. You've actually gone out of your way to complain about somebody who is in an unfortunate situation and is seeking advice. Truly, what the **** is wrong with you?

[CrystalSkull]

Hi Indie, I'm not moaning I'm saying to the OP don't abuse the police and to get some perspective, the majority Australians (thats us) are rich we've got it really good and yet we behave like we're babies if something doesn't go our away instantly. Don't abuse the police, don't rely on the government and harden the f up! Are you hardened yet? Cool, stick up your hand and say 'hey (I've got my head screwed on) I need your advice'.

[Jccck]

Hi Indie, I'm not moaning I'm saying to the OP don't abuse the police and to get some perspective, the majority Australians (thats us) are rich we've got it really good and yet we behave like we're babies if something doesn't go our away instantly. Don't abuse the police, don't rely on the government and harden the f up! Are you hardened yet? Cool, stick up your hand and say 'hey (I've got my head screwed on) I need your advice'.

Sure thing, Oslow.
But putting yourself in the OP's shoes, you'd probably be a little mad about the whole situation too.
We don't just have our car writted off, get swindled out of thousands of dollars, have no method of transport and smile because it doesn't phase us.

[Lanzamus]

Hi Indie, I'm not moaning I'm saying to the OP don't abuse the police and to get some perspective, the majority Australians (thats us) are rich we've got it really good and yet we behave like we're babies if something doesn't go our away instantly. Don't abuse the police, don't rely on the government and harden the f up! Are you hardened yet? Cool, stick up your hand and say 'hey (I've got my head screwed on) I need your advice'.


He didnt exactly rely on the government, (not sure if stoned, just trolling, or thats how they build you $%^ts from Canberra)
Its not like he could take matters into his own hands and finalise the at fault driver on the spot, he was waiting on the police, which has now cost him $70 a day to have his car at the lot, When all he was doing was driving his car (a luxury as you say) which someone has crashed into and destroyed (taken his luxury) and now not only has he lost it forever with no replacement, its also set him back more money whilst sitting there... Your dribbling shit, whats hardening up got to do with the poor guy having his car destroyed by some toss with no insurance.

[DakDak]

Hi Indie, I'm not moaning I'm saying to the OP don't abuse the police and to get some perspective, the majority Australians (thats us) are rich we've got it really good and yet we behave like we're babies if something doesn't go our away instantly. Don't abuse the police, don't rely on the government and harden the f up! Are you hardened yet? Cool, stick up your hand and say 'hey (I've got my head screwed on) I need your advice'.

I disagree. I dont instantly complain when something doesnt go my way. I complain when someone doesnt do their job that I am playing them for with taxes. We pay taxes to the government in expectation for roads [despite them being extremely shit where I live] defence [even though when I was in the army I got all the shit equipment and had to buy my own] etc and most importantly ENFORCEMENT OF THE LAW.

OP is the victim in this story. Lay off him and give him some help yea?

[EG52NV]

first world problems.... lol

OP hope you get this sorted out man

[LD_Mart]

Thanks for the support guys! All I wanted was some genuine advice so if you have no advice on the situation i didn't see the point in your post CrytalSkull

[DuffyFD]

Dude, I sympathise for you in your situation. My suggestion is not to rely on anything anyone says on a forum. I mean forums are full of bullshit with people pretending they know things they don't.

Last thing you want is some hotshot wanna-be lawyer kid who tells you something wrong and wastes you more money.

Book an appointment with a solicitor. They deal with this stuff on a day-to-day basis.

Cheers

[mocchi]

Australia has become a nation 'me first and the gimme-gimmes', we don't know how good we've got it and we moan if something doesn't happen 'right now'. Unless you're suffering at some form of institutional discrimination or disadvantage (perhaps you're homeless, or you've lost your job and are really struggling to keep any form of housing, you have a major mental illness, or you have a disability and the government doesn't adequately assist you or your family with care, need i go on?), having to wait a week for the police to sort out an insurance matter is something to moan and swear about? on the internet (luxury) no less about a car (another luxury). I'm sure you're a decent person but get some perspective!

your avatar seems very fitting for your bitter attitude.

http://www.ozhonda.com/forum/customavatars/avatar33350_16.gif

[EG52NV]

He didnt exactly rely on the government, (not sure if stoned, just trolling, or thats how they build you $%^ts from Canberra)
Its not like he could take matters into his own hands and finalise the at fault driver on the spot, he was waiting on the police, which has now cost him $70 a day to have his car at the lot, When all he was doing was driving his car (a luxury as you say) which someone has crashed into and destroyed (taken his luxury) and now not only has he lost it forever with no replacement, its also set him back more money whilst sitting there... Your dribbling shit, whats hardening up got to do with the poor guy having his car destroyed by some toss with no insurance.

m8 Canberra is fricken amazing notsrs

[DakDak]

When I was in deep sh!t with my friend. I forked out big cash for a good lawyer in the city. My mate got a reasonably priced one in Liverpool. His lawyer did all the work and won the case. For about 1.5K. I paid 3K for mine. I got the same sentence as my friend by law of parity.

Dont judge a lawyers skills by their going rate. I made that mistake. My advice to you. But definitely go see someone.

[Troy]

It really should be mandatory to have full insurance.

I don't think full insurance, but probably 3rd party property.

[dougie_504]

Nothing wrong with complaining about your situation mate, I'd be livid and looking for blood TBH lol.

Can't your insurance company go in to bat for you a bit harder? Or do they just wanna throw the towel in? From my experience they're always ready to settle for SFA.

Best get legal advice but I would be aiming to have my car replaced and be back on the road, no expenses out of your own pocket either (legal fees, towing, wreck storage, car rental, everything should be paid for). That's fair to me and I'd be going for that.

[EG52NV]

Can't your insurance company go in to bat for you a bit harder?

OP only has 3rd party insurance, form past experience they couldn't give a fcuk about you if the other driver is at fault. They'll only chase the other party on your behalf if you have full comp, fricken lazy ass mofo insurance companies

[curtis265]

OP only has 3rd party insurance, form past experience they couldn't give a fcuk about you if the other driver is at fault. They'll only chase the other party on your behalf if you have full comp, fricken lazy ass mofo insurance companies

that sucks, but i suppose that's the deal you signed

[Indie]

Hi Indie, I'm not moaning I'm saying to the OP don't abuse the police and to get some perspective, the majority Australians (thats us) are rich we've got it really good and yet we behave like we're babies if something doesn't go our away instantly. Don't abuse the police, don't rely on the government and harden the f up! Are you hardened yet? Cool, stick up your hand and say 'hey (I've got my head screwed on) I need your advice'.Mate, you're a loser.

[sensei_]

stop feeding the troll. the more people who respond, the more satisfied he is. i wonder if he is the same guy that is also on whirlpool who always go against the trend no matter how wrong he is.

[bennet654]

This is what i hate about ozhonda... Someone asking for advice. And u get bleeding hearts who want to make it into a discussion about social beliefs.. Get the **** out! We were boredd of you people back at high school and university, not on car forums please.

[dougie_504]

OP only has 3rd party insurance, form past experience they couldn't give a fcuk about you if the other driver is at fault. They'll only chase the other party on your behalf if you have full comp, fricken lazy ass mofo insurance companies

Agreed.

Happened to me too. They made me pay for 3rd party excess ($900) because there was a dispute with who was at fault (woman pulled out of a parallel park and I hit her, then she claimed I tried to overtake her on the right side while she was turning right into a driveway) and then they basically settled for 'equal fault' which IMO was just them copping out and saying they CBF.


All the same I hope they come to the party for the OP here. They should have a duty of care to protect his asset given the circumstances :(

[sensei_]

This is what i hate about ozhonda... Someone asking for advice. And u get bleeding hearts who want to make it into a discussion about social beliefs.. Get the **** out! We were boredd of you people back at high school and university, not on car forums please.

yup that annoys everyone which i guess is their point. you think ozhonda is bad, wait til you go to whirlpool. where every opportunity is taken to bash someone.

[Troy]

and then they basically settled for 'equal fault' which IMO was just them copping out and saying they CBF.

I have never heard of an equal fault before...

[bennet654]

yup that annoys everyone which i guess is their point. you think ozhonda is bad, wait til you go to whirlpool. where every opportunity is taken to bash someone.

What is whirlpool used for? I thought it was a brand of washing machine till a month ago

[zco]

if they dont have insurance, its going to cost you a substantial amount to take them to court and recover the money..
i highly doubt they have no insurance either driving a newish accord

[Troy]

What is whirlpool used for? I thought it was a brand of washing machine till a month ago

Whirlpool forums... for broadband discussion but heaps of other stuff too... talk about ISPs, computers, jobs, etc...

[LD_Mart]

Update on the situation for those people who care,
Car is getting towed to my house and i get to keep the car.
Coles is paying me out $3000 but i have to pay my towing & storage costs of $850.
Now getting a letter of demand written up for the price of my car and towing.
not sure what happens if i get paid out, wether i have to then pay coles back or not.