Car Accident...No Insurance!

[Simmo2302]

Also, simmo, why would i get comp insurance on a 6k car? so that ive payed off the car in 3 years? hardly seems worth it. I wouldnt get compo insurance on a car worth lestt than about 10-12k

Just wondering,
Is there any benefit at all of having 3rd party insurance if you are not at fault?

Also, another question... if you DO have FULL COMPREHENSIVE car insurance, and you get into a car accident where it is NOT your fault, but the party at fault is not admitting to it, can you get your car fixed/make a claim without admitting to the fault yourself? Or do you have to admit to the fault (even if you know it's not your fault) before being allowed to make the claim?

@Aimre

getting COMP insurance on a 6k car may not seem worth it, but i'd get it for 3 reasons.
1. having it saves u alot of headache chasing up the other persons insurance company trying to prove u were in the right.
2. not many ppl have 6k lying around to fix or replace their car (yes i kno IF u were in the right, they pay 4 ur car to b fixed or replaced, but... IF u were in the wrong, ur loss...)
3. If u r in the wrong and smash a mercedez or other expensive car, i dont think many ppl have 20k+ lying around either.


either way i guess its personal preference really :-S



@ Yasakani
Q:Is there any benefit at all of having 3rd party insurance if you are not at fault?

A: 3rd party property covers the other car 4 damage if YOU are at fault, so If you are not at fault, theres no point in having it. BUT.. most ppl take it out anyway just in case one day you ARE at fault.

Q:if you DO have FULL COMPREHENSIVE car insurance, and you get into a car accident where it is NOT your fault, but the party at fault is not admitting to it, can you get your car fixed/make a claim without admitting to the fault yourself? Or do you have to admit to the fault (even if you know it's not your fault) before being allowed to make the claim?

when i had my accident, b4 i realised i'd have to chase everything up, i went to make a claim and was told if i had comprehensive, i'd have to write out my story of events (regardless of who was at fault) and fill in the appropiate paper work, and the insurance company (RACQ) would chase up the other party and work out who was at fault. and my car would be fixed regardless of who was at fault.
the only thing that would have changed is if i wasnt at fault 'd only have to pay the fee to lodge the claim (basic excess??) where as if i was at fault i'd have to pay the full excess.

so in answer to your question

A:YES ur car will be fixed if u are not at fault if u have comprehensive insurance as who is at fault will be determined by the insurance company.

[xenonkuraz]

I just got the three quotes today and they are all in excess of $900 :P I hope she pays up She will get back to me within 2 weeks otherwise further action will be taken

[Simmo2302]

excellent news :-) had to have similar wording on mine aswell. if u can put some photos up 4 us to c how bad it is

[dreamshifter]

Sometimes the 'threat' of taking it to court is more effective than the actual court proceeding. I had a hit and run on my old parked car. They left fake details but I was able to track them down using the cops - other than quick help, they can't be bothered with you unless someone is dead. It was a very important lesson going to the cops; rather than saying we don't want to help you, they say they will get back to you but never call back. And when you call they are busy...or on leave...wasted so much time.

The bastards denied everything so I went to one of those free community legal services and they wrote me a letter of demand, threatening to take the matter to court and exaggerated what evidence I had (just slightly).

Soon enough I received a letter from RACQ for an inspection

[aimre]

@Aimre

getting COMP insurance on a 6k car may not seem worth it, but i'd get it for 3 reasons.
1. having it saves u a lot of headache chasing up the other persons insurance company trying to prove u were in the right.
2. not many ppl have 6k lying around to fix or replace their car (yes i kno IF u were in the right, they pay 4 ur car to b fixed or replaced, but... IF u were in the wrong, ur loss...)
3. If u r in the wrong and smash a mercedez or other expensive car, i dont think many ppl have 20k+ lying around either.


either way i guess its personal preference really :-S

Everyone here has a camera phone? If not, i would recomend keeping a disposable in the glove box, incase someone does hit you and they are at fault. Its often very easy to find the person at fault from photos, provided u take em BEFORE you move the cars. ie, intersections, roundabouts, driveways etc etc.

point 2, just save the money you would have otherwise spent on insurance, and in like 3 yrs, you be UP money. Id rather keep the money than give it to someone else.

I don't get point three though... why wouldn't your 3rd party cover it.

[Simmo2302]

whoops i meant that i'd get comp insurance cos if i didnt and smashed a mercedez or sumthing, i'd be up shitz creek. and 3rd party property only cobers up to 7,500 i htink ( can anyone cornfirm or prove me wrong on that??)

[dc2dc2dc2]

3rd party covers anything dude. If you hit a mercedes you just pay ur excess and ur insurance will fix up the other parties car.

[Whispaa]

3rd party covers anything dude.

I recall seeing a limit of some high amount, into the millions I think.

[xenonkuraz]

I believe with JUSTCAR insurance the 3rd party maximum liability cover is $20,000,000.

LoL.

[e240]

I believe with JUSTCAR insurance the 3rd party maximum liability cover is $20,000,000.

LoL.

Say even if you cause 1m in property damage ...Respect Man! You Da Man! LOL...

for 20m..Hmmm...Your car needs to fly into the Lucas Nuclear reactor somehow...

[Sir_vtec]

hahah true. or fly into a petrol truck and blow up everything on the street.

[Yasakani]

hahah true. or fly into a petrol truck and blow up everything on the street.

At least nobody can chase you up if you did that