Skip to content Skip to main navigation

News

Buying off the plan?
View our developments

Advice on how to deal with accident without insurance in Canberra?

By Sic 28 November 2012 52

About a week ago my fiance’s car was hit when stopped at a set of traffic lights. The woman only provided her licence number, plate, and mobile number. While she claimed to have insurance, she refused to hand the details over.

We have been trying to contact this woman for nearly two weeks now, and she does not answer her phone. It is turned off a lot of the time and when going to voicemail the message says she does not check it and to try her again. My partner at least confirmed it was her voice.

My fiance only has third party insurance which obviously isn’t going to cover anything unless the car is stolen or set on fire, and in all seriousness the car shouldn’t be legally driven at the moment. A police report has been submitted, but I doubt that will achieve anything.

Is there anything we can do in this case? Or would it come down to getting quotes and taking it through small claims court?

What’s Your opinion?


Please login to post your comments, or connect with
52 Responses to
Advice on how to deal with accident without insurance in Canberra?
Filter
Showing only Website comments
Order
Newest to Oldest
Oldest to Newst
Sic 10:04 pm 04 Dec 12

Tetranitrate said :

Sic said :

MonarchRepublic said :

As others have said here, still contact your insurance company, even though you only have 3rd party. They may be prepared to chase up for you.

And for example, “AAMI Third Party Property Damage Car Insurance covers you in the event your car is damaged by an uninsured motorist (up to $3,000 damage).” (from the AAMI website)

No harm in trying!

Thank you so much! The insurance company obviously wanted to weasle out of that one, but I just checked the policy documentation for AMP online and they provide cover up to $5000 against uninsured drivers when you’re not at fault with no excess!

Stuff this woman, we’ll call them this afternoon and put a claim in. Awesome news!

Great news. I thought that was pretty much standard.

When she called them again this afternoon, the girl on the phone had to put us on hold again to go and confirm, She said she didn’t know about it either and would of sent us away if we didn’t insist.

AMP hey?

Tetranitrate 2:01 pm 04 Dec 12

Sic said :

MonarchRepublic said :

As others have said here, still contact your insurance company, even though you only have 3rd party. They may be prepared to chase up for you.

And for example, “AAMI Third Party Property Damage Car Insurance covers you in the event your car is damaged by an uninsured motorist (up to $3,000 damage).” (from the AAMI website)

No harm in trying!

Thank you so much! The insurance company obviously wanted to weasle out of that one, but I just checked the policy documentation for AMP online and they provide cover up to $5000 against uninsured drivers when you’re not at fault with no excess!

Stuff this woman, we’ll call them this afternoon and put a claim in. Awesome news!

Great news. I thought that was pretty much standard.

Sic 1:49 pm 04 Dec 12

MonarchRepublic said :

As others have said here, still contact your insurance company, even though you only have 3rd party. They may be prepared to chase up for you.

And for example, “AAMI Third Party Property Damage Car Insurance covers you in the event your car is damaged by an uninsured motorist (up to $3,000 damage).” (from the AAMI website)

No harm in trying!

Thank you so much! The insurance company obviously wanted to weasle out of that one, but I just checked the policy documentation for AMP online and they provide cover up to $5000 against uninsured drivers when you’re not at fault with no excess!

Stuff this woman, we’ll call them this afternoon and put a claim in. Awesome news!

Pitchka 1:43 pm 04 Dec 12

Sic said :

Sorry I haven’t managed to be on the internet much lately. The woman has now finally contacted us, although she pretty well never answers her phone. She requested we get a quote at a smash repairer in belconnen, and he has advised he’ll be telling her to go through her insurance because the damage will almost definitely cost more than her excess and she will have hidden damage on her car. We also managed to find out where she works, so another peice of the puzzle if she pulls a disappearing act on us again.

As said it’s third party fire and theft insurance only, and they have told us they don’t do anything for claims where we aren’t at fault. We lodged a police report the same night of the accident, so hopefully if it does escalate she didn’t bother to give our case more weight.

My partner didn’t sustain any injuries, it wasn’t a massive hit, but the biggest problem being it has NSW rego which expires in a fortnight, and the car is currently damaged so will definitely not pass.

The other issue now is that this woman is apparently going on an overseas holiday for 6 weeks next monday. So if we don’t get on top of this by the end of the week we’re pretty much farked.

I dare say you would be lucky to hear from the other party before Monday, let alone after they have returned from their 6 week holiday.

Id try and get this sorted before they left.

Sic 1:33 pm 04 Dec 12

Oh, and we wouldn’t drive a car without at least third party property, and wouldn’t own a car without at least third party fire and theft. On the other hand when the missus just turned 24, has had the car 5 years, and the value would be around the $1500-$2000 mark max, full comp just isn’t worth it. Young driver would be what, $600 a year insurance, plus an under 25 excess of something around $1500? A claim automatically outstrips the value of the car, and we’ve saved at least the value of the car in the time we’ve owned it just by having third party fire and theft instead.

Sic 12:04 pm 04 Dec 12

Sorry I haven’t managed to be on the internet much lately. The woman has now finally contacted us, although she pretty well never answers her phone. She requested we get a quote at a smash repairer in belconnen, and he has advised he’ll be telling her to go through her insurance because the damage will almost definitely cost more than her excess and she will have hidden damage on her car. We also managed to find out where she works, so another peice of the puzzle if she pulls a disappearing act on us again.

As said it’s third party fire and theft insurance only, and they have told us they don’t do anything for claims where we aren’t at fault. We lodged a police report the same night of the accident, so hopefully if it does escalate she didn’t bother to give our case more weight.

My partner didn’t sustain any injuries, it wasn’t a massive hit, but the biggest problem being it has NSW rego which expires in a fortnight, and the car is currently damaged so will definitely not pass.

The other issue now is that this woman is apparently going on an overseas holiday for 6 weeks next monday. So if we don’t get on top of this by the end of the week we’re pretty much farked.

Conan of Cooma 8:23 am 03 Dec 12

watto23 said :

Yeah normally thats what I do, submit the claim to my insurance company and let them sort it all out including chasing up for costs etc. The police report is purely just to record your view of the accident.

Normally? You have frequent accidents?

Tetranitrate 8:45 pm 02 Dec 12

Your*
really need an edit button…

Tetranitrate 8:44 pm 02 Dec 12

JC said :

I_P said :

I
My brother (who does have s*== for brains) learnt this the hard way many years ago when he crashed his shit box into a brand new Honda Civic and wrote it off. Took him the best part of 8 years to pay the thing off. Luckily he didn’t hit a more expensive car or he may well still be paying.

You’re brother is even stupider than you think – in all likelihood he would have been far better off filing a debtors petition of bankruptcy. (Unless he had assets to protect, which I’m kinda doubting from your description of him).
Debt would have been discharged in 3 years, his loss would have been any assets forfeited and any income earned over the repayment threshold over those 3 years.

Truly sh*t for brains indeed.

Deref 6:26 pm 02 Dec 12

Tetranitrate said :

I_P said :

If the car is registered in the ACT, NRMA should be the third party insurance company. I thought this insurance was included when you pay your registration, and so far the NRMA is the only supplier (please correct me if I am wrong). Anyway, might be worth speaking with the police again and also the NRMA.

This is the exact reason why third party property damage insurance should be compulsory – there’s a not insignificant number of people driving around who think it is and that they already have it.

Yep. I’m amazed that there are people who don’t know the difference.

stillflying 4:37 pm 02 Dec 12

I’m not sure how people get third party property insurance and the compulsory NRMA insurance. I knew when I first got my license what the difference was

JC 12:55 pm 02 Dec 12

I_P said :

If the car is registered in the ACT, NRMA should be the third party insurance company. I thought this insurance was included when you pay your registration, and so far the NRMA is the only supplier (please correct me if I am wrong). Anyway, might be worth speaking with the police again and also the NRMA.

The NRMA provides compulsory third party also known as third party personal. It only covers you against personal injury, it does not cover the cost of repairs to their or for that matter your property, ie their vehicle.

Separate is third party property insurance, this will cover you if you damage someone else’s property. Anyone out there without third party property really has shit for brains and shouldn’t be on the road. Frankly it should be another compulsory insurance like third party personal.

My brother (who does have s*== for brains) learnt this the hard way many years ago when he crashed his shit box into a brand new Honda Civic and wrote it off. Took him the best part of 8 years to pay the thing off. Luckily he didn’t hit a more expensive car or he may well still be paying.

Related Articles

CBR Tweets

Sign up to our newsletter

Top
Copyright © 2018 Riot ACT Holdings Pty Ltd. All rights reserved.
the-riotact.com | aboutregional.com.au | b2bmagazine.com.au | thisiscanberra.com

Search across the site