Thread: Disco Pranged thats me out!

If the damage to your car is $7,000 and the Excess for them is $1,100, would it not make economic sense to do a deal with the student to pay their excess yourself, thus getting your car back on the road for $1,100, and see if they can pay you back at $50 a week or something.

Even if they only pay you half you still have your car back on the road for a lot less than the $7000 repair quote.

It's not at all fair, but it might be the cheapest route to having your vehicle operational again.

Sorry to hear your situation.
David

Originally Posted by mark2

Agree - make a claim against your policy and your insurance co will attempt to recover from his insurer if he is insured, or directly from him if he is not insured. In previous instances where I have not been at fault, I have not even had to make contact with the other party's insurer. Regardless of whether they can recover successfully, they should still pay your claim.

At worst your insur. co may hit you up for your policy excess amount but you may be able to avoid paying this on the basis that you were not at fault and particuarly so if your insurer achieves a full recovery from the other insurer/party.

All the best.

He can't make a claim against his own insurance as he only had third party property damage.

Dave.

Originally Posted by Mr Whippy

He can't make a claim against his own insurance as he only had third party property damage.

Dave.

He's not claiming against his policy, but his policy ensures that he has protection against damage caused and representation in matters like this one. If not Insurance Ombudsman Service (IOS)

Originally Posted by spudboy

If the damage to your car is $7,000 and the Excess for them is $1,100, would it not make economic sense to do a deal with the student to pay their excess yourself, thus getting your car back on the road for $1,100, and see if they can pay you back at $50 a week or something.

Even if they only pay you half you still have your car back on the road for a lot less than the $7000 repair quote.

It's not at all fair, but it might be the cheapest route to having your vehicle operational again.

Sorry to hear your situation.
David

Was thinking the exact same thing. Pay his excess so you get your car on the road cheaper than $7000 then if he wont pay you off bit by but take him to court for the $1100 as opposed to the $7000. In the end you are out of pocket but you are out of pocket less and your car is done quicker.

Originally Posted by Mr Whippy

He can't make a claim against his own insurance as he only had third party property damage.

Dave.

True, I should have read the post more thoroughly...

Originally Posted by dobbo

He's not claiming against his policy, but his policy ensures that he has protection against damage caused and representation in matters like this one. If not Insurance Ombudsman Service (IOS)

Most third party property damage policies will give some protection to the insured (often $5000) if not at fault and can name the other driver.This only applies if the other driver does not have insurance. If he does you are on your own.

Dave.

Originally Posted by Scouse

The Carrigada Green Disco at the scrapyard was still sitting in a corner of their yard last week. The roof is now badly damaged though but it may have some panels that you're after.

I just went out to check on it but it's now buried behind a lot of other cars.

Here's the original thread:
http://www.aulro.com/afvb/marketplac...matta-nsw.html

Scouse I think ill check that out on Thursday when im back at work.

1. Try your insurance company. They may help you. They are not limited to what is your contract, they may choose to help you out anyway especially if they have a knock for knock agreement with the other insurance company. Doesn't hurt to ask.

2. Call the NRMA if you are a member. They have a legal dept. who may help.

3. Go to a lawyer. One consultation won't cost you the earth, it may even be no charge if they can't help you.

4. Write to Julia. It's her mess!

Good luck, but don't give up!