Thread: Minor Bingle - Insurance Claims

I would do the simple thing and just pay the excess and claim on your insurance.
With your record you should not lose your no claim discount, but I would check first before making the claim.
These days insurance companies seem not to reduce your no claim bonus as much as they used to.
I am with Youi and did the same backed into a Commodore in a car park, and they didn't reduce my no claim bonus or increase my policy cost which can be 2 different things..

Regards Philip A

Originally Posted by 101RRS

While backing out of a driveway yesterday I impacted a car parked on the opposite of the road. When starting off the car was outside the view of the mirrors and the parking sensors and as I turned the rear swung towards the other car and into the range of the sensors but too late. The sensors on my RRS have a 1m range but as the car was turning in reverse they did not pick up the car until too late. As well the parking sensor always sounds when backing out of drive ways as they pick up the road as you cross to the tar.

My fault for sure but I am not the only one who has hit cars parked across the street.

Anyway I backed into a black Yaris just on dark. The passenger corner of my car hit the Yaris drivers door at the front pushing it in. The RRS bumper popped back out with only the paint cracked. The Yaris rear vision mirror did not fold back and smashed my passenger side rear tail light fitting. With paint an parts about $1000 in damage. The Yaris will need a new door skin or panel beated and paint - so maybe $1000 to $2000 work. My excess is $850.

I am with Allianz and the Yaris is with NRMA. I have not had an accident for well over 20 years and am not sure on the best approach for insurance claims. I can fix my damage for about $400 myself but if I am going to loose my $850 excess it can be done professionally.

So should I just bung in a claim with Allianz first or would it be better to wait to see if the other party lodge a claim with their insurer and then take it up with my insurer.

Just after some advice at this stage.

Thanks

Garry

I backed into my cousins car a year or so ago. I was in a hurry and he was parked where he shouldn't have been Basically same damage, I searched around for a while but found him a good 2nd hand door and just swapped it over. Hardest part was trying to match that poxy camry maroon.
Maybe you could offer to fix the damage on their car? Black would be very common for a yaris so finding one shouldn't be hard.
I dunno how they would feel about a 2nd hand door, but no doubt a panel shop would do that anyway.
With the insurance does the other party have insurance? If not you fixing it may be a good option for them also.

Cheers Jim

Originally Posted by LRJim

I backed into my cousins car a year or so ago. I was in a hurry and he was parked where he shouldn't have been Basically same damage, I searched around for a while but found him a good 2nd hand door and just swapped it over. Hardest part was trying to match that poxy camry maroon.
Maybe you could offer to fix the damage on their car? Black would be very common for a yaris so finding one shouldn't be hard.
I dunno how they would feel about a 2nd hand door, but no doubt a panel shop would do that anyway.
With the insurance does the other party have insurance? If not you fixing it may be a good option for them also.

Cheers Jim

I am pretty sure that if someone backed into my truck I would want NEW parts and a professional to paint and fix the car and I am pretty sure the poor bugger with the smashed in Yaris would think the same way.
If the smash repairer was to use second hand garbage on my truck I would reject the repair as "Substandard" and it will have to be done again by a more reputable repairer at more expense.
Just pay the $850 excess and get both cars fixed professionally and with an excess of $850 I would also go shopping for a better deal on insurance

Insurance companies are weird

my car is covered by nrma at a great premium but they wont cover my motorbike unless its a crazy premium

the bike is covered by AAMI at a very good premium but they wont give me anywhere near a decent premium on my car

Originally Posted by ramblingboy42

Insurance companies are weird

my car is covered by nrma at a great premium but they wont cover my motorbike unless its a crazy premium

the bike is covered by AAMI at a very good premium but they wont give me anywhere near a decent premium on my car

I recently went insurance "Shopping" and found the same thing.
I ended up insuring my 79 series, Nissan Navara and the Jayco caravan with RAC The D2a stayed with HBF and my boat is insured with Club Marine as this was the Best value for money and the highest excess is $400

It Does pay to shop around and let them Know that you are shopping around for the Best deal

Originally Posted by trout1105

I am pretty sure that if someone backed into my truck I would want NEW parts and a professional to paint and fix the car and I am pretty sure the poor bugger with the smashed in Yaris would think the same way.
If the smash repairer was to use second hand garbage on my truck I would reject the repair as "Substandard" and it will have to be done again by a more reputable repairer at more expense.
Just pay the $850 excess and get both cars fixed professionally and with an excess of $850 I would also go shopping for a better deal on insurance

Insurance coys. like the repairer to use second hand parts. Wreckers offer "insurance grade" panels. These are panels that don't need repair, just bolt straight on. The bulk of a serious wrecking business' income comes from crash repair parts.

Originally Posted by Bigbjorn

Insurance coys. like the repairer to use second hand parts. Wreckers offer "insurance grade" panels. These are panels that don't need repair, just bolt straight on. The bulk of a serious wrecking business' income comes from crash repair parts.

This is why it is Important to choose your repairer wisely and Insist on new parts

I would do the same,pay the excess,and get on with life.