Hi mate,

I've read your post but nobody else's so please forgive me if I repeat what they've said.

You need to pay $500 for their representation, but if you win OR if it comes out undecided/equal fault then you'll also get it back. The only way for you to lose your excess is to lose the insurance case.

The photos will probably be ignored as the defending person's insurance company will state that the close-up could be of any car or the paint from anywhere else. So knowing this I suspect your insurance company will ignore your photos from the start once it gets to their tech-team (representation).


So I don't think you have anything to lose financially.


The reason I say the above things is because I had an accident in March. I was driving down a residential street with cars parked parallel on both sides, and a woman pulled out of my left side into my path, so we collided. My front left corner, her front right.

I had a witness who saw the accident and heard the woman take verbal responsibility, but my insurance company said the witness was no good because I had met them 18 hours prior to the accident on our orientation day at work (accident happened the day after, on my first day of work) and therefore she wasn't an 'independent witness'.
I also took photos of the road from the accident site showing my tyre skid from where I had locked my breaks, and then how the tyre skid had jolted to the right at the collision point, showing that I was clearly in the main thoroughfare of the road and had right of way - but my photos were dismissed because they 'could have been from any other incident'.

The woman simply claimed that she was never parked and that I had tried to overtake her while she was turning right into a driveway (cars were parked there so I could never had overtaken - I work at a hospital so the street is always full of cars) and it turned out equal fault. My company told me I was lucky not to have lost because technically if her car is in front of mine on a road, and if I can't prove she was stationary (how the hell can you?) then she has right of way, no matter if she pulls into a carpark or whatever, as long as she's in front and moving then she has right of way.


Hope you get the CCTV bro.