Car Accident...No Insurance!

**Simmo2302** · 24-07-2007 05:43 PM

Originally Posted by nugget1

Damn I sent the 2nd letter registered but didn't tick the box, I only just saw the boxes on my receipt when you you mentioned it. My associate has talked to her and she's agreed to him delivering the letter in person.

yea its easy to miss.

i went thru court for 10 months getting custody of my son. the ex & her family pulled every trick in the book even after i got a lawyer, so i picked up on quite a few things to do with court. (ie it sucks and takes AGES to accomplish anyting)

**aimre** · 24-07-2007 05:52 PM

Originally Posted by Shimian

Sorry to hear. I would always take out an insurance policy. I know that not everyone can afford insurance, but if you are working, put aside about $2 a day and you will have money to buy insurance. Close to anyways

But then its $2 a day petrol, $5 trains, $2 phone $2 electricity, home phone etc etc etc, it adds up mate, and some ppl cant afford it

**nugget1** · 25-07-2007 08:59 AM

Simmo,
Rang Australia post and for a small fee I can get the proof of delivery, obviously if you tick the there's no fee. I'll know for next time,Thanks

**e240** · 25-07-2007 02:50 PM

Originally Posted by aimre

But then its $2 a day petrol, $5 trains, $2 phone $2 electricity, home phone etc etc etc, it adds up mate, and some ppl cant afford it

If one cannot afford at least 3rd Party Property Damage Insurance, one cannot afford to drive period.

They should make 3rd Party Property Damage cover compulsory, as we can see, many innocent people are victims of uninsured drivers who cannot afford damages thereafter.

**didz** · 25-07-2007 03:13 PM

It's not just about buying the car, its maintaining as well. Which includes insurance, tyres, servicing etc...

I learned my lesson from my collision and no insurance when ur at fault really sucks.

**Simmo2302** · 25-07-2007 04:37 PM

IMO the only insurance worth having is comprehensive,

i had a crash a few years back, a car drove out infront of me on a round about, i was in the right, as the law states u must give way to traffic on the right & ALL traffic already on the round about.

police were called, but the useless ****'ers didnt do anything, because of "conflicting stories" (the other person denied being in the wrong).

i had 3rd party property, fire & theft.

I had to chase up the other persons insurance company, get their details, (got told i was at fault and to *** off, but i got a fax number anyway to put forward my case)

had to fax off 3 quotes 4 repair (was a total write off), as well as a written version of my side of events supported by step by step diagrams. aswell as i went on the qld police website and printed excerpts from the road rules (mentioned above)and faxed it all off.

i must have done a good job (cos it made it clear i knew the laws and wasnt gunna just be flobbed off easily) cos they rang me and paid me the market value of the car within a week of faxing off the docs.

suckers i was given the car 4 free from a family friend and ended up getting $3000 after it was written off. hehehe

**e240** · 25-07-2007 04:54 PM

The 3rd party Property cover is not to protect the policy Holder but the 3rd Party in the event the policy holder is at fault.

Your case is a bit different because your issue was more a case of dispute.

Originally Posted by Simmo2302

IMO the only insurance worth having is comprehensive,

i had a crash a few years back, a car drove out infront of me on a round about, i was in the right, as the law states u must give way to traffic on the right & ALL traffic already on the round about.

police were called, but the useless ****'ers didnt do anything, because of "conflicting stories" (the other person denied being in the wrong).

i had 3rd party property, fire & theft.

I had to chase up the other persons insurance company, get their details, (got told i was at fault and to *** off, but i got a fax number anyway to put forward my case)

had to fax off 3 quotes 4 repair (was a total write off), as well as a written version of my side of events supported by step by step diagrams. aswell as i went on the qld police website and printed excerpts from the road rules (mentioned above)and faxed it all off.

i must have done a good job (cos it made it clear i knew the laws and wasnt gunna just be flobbed off easily) cos they rang me and paid me the market value of the car within a week of faxing off the docs.

suckers i was given the car 4 free from a family friend and ended up getting $3000 after it was written off. hehehe

**Simmo2302** · 25-07-2007 05:03 PM

Originally Posted by e240

The 3rd party Property cover is not to protect the policy Holder but the 3rd Party in the event the policy holder is at fault.

Your case is a bit different because your issue was more a case of dispute.

exactly, unless u got comprehensive, u arnt really covered, u have to chase up the other party.

CTP insurance, is in rego and protects against personal injury to other party up to so much

3rd party property, protects other party against property damage up to so much.

3rd party, fire & theft protects as above, but also covers your car incase of fire or theft.

comprehensive covers u, ur car & ther other party against most things up to so much.

*** anyone correct me if i m wrong, i neva really looked close at my policy statement***

**e240** · 25-07-2007 05:25 PM

My point is that if you drive a car, you need to make sure that you can cover the 3rd party in an accident should you be at fault.

It isn't about whether you can repair your own car.

If you have an accident with me and you're at fault, I couldn't care less whether you can repair your car but I will be concerned whether you can repair mine.

Yes, I may have to chase up your insurance and yes, you may dispute (of course you will) but at the end of the day, when you're proven to be at fault, your insurance will pay me. I don't have to sue you to get my money back.

**aimre** · 25-07-2007 10:34 PM

^^

Never denied insurance isn't a must, and i agree u shouldnt drive without insurance, but saying its just $2 a day is a flawed argument.

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

**Shimian** · 25-07-2007 10:50 PM

Im only saying put aside $2 a day to help with insurance. Im not saying its a must to get insurance if you drive, but it will help. Like i said, if ur working (assume its full time), putting aside $2 a day will help rather than at the end of the year you get hit with an $800 bill. Not everyone saves this way, but i do with my insurance/rego and I dont feel the pain when the bill comes.

I have a friend who has never bought insurance for 10 years. Ok, assume each year's insurance costs him $800. $800 x 10 years = $8,000. Now he says he doesnt believe in insurance and he says he has saved himself $8,000. But if he had an accident and costs him $8k, where is he going to find that money as he has not actually put aside $8k for the time he hasnt payed. Now he will need to scrounge for $8k to pay the damage.
Lol, he also doesnt believe in home insurance, and applies the same theory. So if his house burns down (touchwood), he is screwed.

**Yasakani** · 26-07-2007 12:10 PM

Originally Posted by Yasakani

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?
Just curious.

^^^
Can someone in the know or with some experience answer my question?

Thx