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

Hey guys,

Trying to help a mate out with an issue. She was in an accident and she was at fault. No Insurance etc.

What i was wondering if Does she need to pay for the hire car costs of the other party.

She has no issues with paying the car repair costs etc but the other party just sent her an letter saying she needed to pay for the car hire costs aswell (i assume the other party did not have this as part of their insurance deal) and the letter said the insurance company had told them to contact my mate regarding the costs.

What are your thoughts? Is she liable? Should she not do anything unless a court notice is served?

My thoughts are that she is liable for the repairs of the car that were damaged. I've told her to contact an insurance company to find out but this will give a range of opinions

Cheers for any replies

Sam

Your friends an idiot for not having insurance, tell her to get off the fkn road!

Now with that aside, my insurance paid for the rental costs. I don't believe it's part of the agreement to be liable for car hire costs. The car hire company normally chases it up with the insurance company. However I could be wrong so GL to her.

Agreed completly NightKids, most stupid thing ever but thats what happened...

She only had CTP but i have told her to talk to an insurance company. $700 bill and repairs have not been started seems a bit rough...

We shall see

give me her licence so i can cut it up and throw it in the bin

Isn't having no insurance sort of the same as having insurance but driving a car with illegal modifications as 99% of people on here do? Not havin a go at anyone just curious

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Originally Posted by charliebrown

Isn't having no insurance sort of the same as having insurance but driving a car with illegal modifications as 99% of people on here do? Not havin a go at anyone just curious

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yes and no

Having illegal mods doesn't necessary mean its gonna be a instant void on the insurance if ur at fault... on small claims like light body damage and scrapage insurance couldnt give a rats ass if u have coilovers and turbo kit, but if its a major issue were police is involved than its a different story, as they may determine that the illegal mods have contributed to the accident, which than ur screwed! prepare to lube up and cope it hard!

Your friend is stupid, but you know that already. She's lucky it was only $700 damage.

Guys, speaking of illegal mods, what's the legality of suspension mods? Are any changes to suspension illegal?

Should she pay for the cost of renovating the other dude house as well? Gee people make ridiculous requests these days!

If their car is off the road, it's not unreasonable to expect that they'd need alternative transport. Normally her insurance would pay for it, but that's not an option.

I don't agree with "being an idiot for not having insurance"

if you're a careful mature age driver, it's just throwing money down the drain imo.

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Originally Posted by NightKids

Your friends an idiot for not having insurance, tell her to get off the fkn road!

Now with that aside, my insurance paid for the rental costs. I don't believe it's part of the agreement to be liable for car hire costs. The car hire company normally chases it up with the insurance company. However I could be wrong so GL to her.

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LOL @

you're an idiot, good luck:p

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Originally Posted by ericl33

I don't agree with "being an idiot for not having insurance"

if you're a careful mature age driver, it's just throwing money down the drain imo.

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You're never too old or experienced to make a mistake, be distracted, or have bad luck. Third-party insurance is a necessity. Anything less is completely irresponsible.

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Originally Posted by Indie

If their car is off the road, it's not unreasonable to expect that they'd need alternative transport. Normally her insurance would pay for it, but that's not an option.

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Thought these we're optional extras as in perks sold by your own insurance company?

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Originally Posted by Indie

Third-party insurance is a necessity

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I have to disagree with this part of the post. It should read comprehensive insurance is a necessity. what if some 17yo P plater rear ends you in the wet on your brand new accord, and not having comprehensive, you are pretty much well and truly screwed. because they wont be able to pay up the damages. whereas with comprehensive, you pass the buck to the insurance company, and they can deal it out amongst themselves.

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Originally Posted by mugen_ctr

yes and no

Having illegal mods doesn't necessary mean its gonna be a instant void on the insurance if ur at fault... on small claims like light body damage and scrapage insurance couldnt give a rats ass if u have coilovers and turbo kit, but if its a major issue were police is involved than its a different story, as they may determine that the illegal mods have contributed to the accident, which than ur screwed! prepare to lube up and cope it hard!

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but as usual when it comes to cars, police are wrong and 1 in a million traffic accidents are attributed someone not being able to control his vtec because of the TODA headers....

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Originally Posted by sensei_

I have to disagree with this part of the post. It should read comprehensive insurance is a necessity. .

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I think what he meant was 3rd Party property damage insurance, not 3rd party CTP.

and I agree with that, 3rd party property damange should be compulsory to protect other drivers on the road. If one can't afford the insurances, then one needs to asesses if they can even afford to drive.

now i got you! i thought there was two types, third party and comprehensive only.

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Originally Posted by sensei_

I have to disagree with this part of the post. It should read comprehensive insurance is a necessity. what if some 17yo P plater rear ends you in the wet on your brand new accord, and not having comprehensive, you are pretty much well and truly screwed. because they wont be able to pay up the damages. whereas with comprehensive, you pass the buck to the insurance company, and they can deal it out amongst themselves.

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But not everybody is driving a brand new Accord. If I'm driving a 1990 Pulsar, I don't need comprehensive, and it is a waste of money. Third party, however, is a requirement for every car.

fair point you got there. i guess one thing everyone can agree on is; get third party property damage. no matter how "poor" you may be,

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Originally Posted by sensei_

fair point you got there. i guess one thing everyone can agree on is; get third party property damage. no matter how "poor" you may be,

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not me.

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Originally Posted by ericl33

not me.

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note to self never go on a cruise with this fool around because he has no insurance

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Originally Posted by EG52NV

note to self never go on a cruise with this fool around because he has no insurance

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that right, don't go near me m8.

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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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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it coveres people you put into hospital.

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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.