At fault driver with no insurance (car hire costs??)

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Originally Posted by Drifter995

I keep thinking third party property is compulsary... Doesn't rego include a bit of third party?

I have made it a thing to always have at least third party property on my cars... stupid to not have insurance on your car. Never know when some idiot will run into you, and ruin your work, or even when you'll lose control and hit somebody. You'd be stupid not to have insurance, imo.

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I think it's stupid paying 20 years of insurance and never getting any of it back.

when someone runs into you, you're still on your own with third party.

need to chase up yourself, go get quotes yourself, etc.

only full comp. looks after everything for you.

If she doesnt pay for it, the other party's insurer will ask her for it. If she doesnt pay they may take it to court or put her on a payment plan.

At the end of the day her insurer would have paid for it if she had one.

Keep discussion ot here everyone.

Not everybody can afford comprehensive, especially below 25 years of age.

Third party at least is a great idea but if you don't get it then be prepared to pay for all damages and incurred charges. Should be made to pay for their rental too, I'd make her pay for mine if I had to.

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Originally Posted by ericl33

not me.

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I'd be interested to know just how old you are, as you seem to be maintaining that you're a 'mature-age driver' who is above the laws of physics... and nature.

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Originally Posted by ericl33

I think it's stupid paying 20 years of insurance and never getting any of it back.

when someone runs into you, you're still on your own with third party.

need to chase up yourself, go get quotes yourself, etc.

only full comp. looks after everything for you.

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that is true...
Also, the rego apparently covers your health costs too... I got all my hospital bills fixed up :D (cat scans, x-rays, etc. all to make sure I didn't have any internal bleeding or broken bones. was in the clear about 5 hours later... never start dying on a sunday)
but as I said, you never know when you'll crash and need to fix somebody else's car/ they crash into you...
Like, I crashed my eg into a light pole, and as far as we know, third party payed for the light pole (or, probably not... since the council is so f'ing lazy they would have just gone 'screw it, let's just leave that spot empty' as they have done with the apparently other hundreds of crashes on that corner >.> )
But yeah, I'd much rather have third party as a minimum.. If I do much to my civic, such as doing up the engine, I'll also put an alarm, central locking and coilys, rims etc, i'll get comp... but for now, third party will suffice.

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Originally Posted by Drifter995

Also, the rego apparently covers your health costs too... I got all my hospital bills fixed up :D (cat scans, x-rays, etc. all to make sure I didn't have any internal bleeding or broken bones. was in the clear about 5 hours later... never start dying on a sunday)...

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my old man was rear ended a few years back by a hit/run driver, and the state gov't had to compensate my old man for the injuries/medical bills/etc sustained. the bill to fix the car was paid out by the comprehensive insurer.