So what now?

[Relay]

Alright, so on the 24-4 I got run into, by a 6T (or more) truck, in the county. I wasn't happy about it, but got the guy's details and put the car in to get fixed, and put together the claim and whatnot. The guy's insurance are now claiming that he wasn't at fault, that the Hyundai Excel that ran up his backside, pushed him into me.

Now I dispute that. A piddly excel versus truck...hmmm do the math. Anyways, on that count, I know the Excel's insurance is going to laugh at me (that's even if she gets back to them and advises them about the 3rd vehicle involved which she hasn't yet. All they knew of was the excel and the truck!) I dont have her details...*lesigh*

I will vouch that I only felt one bump. I'm not sure if I'd feel the excel hit the truck, nor am I sure that I hadn't moved off before the excel hit. I didn't know about the excel until I got outa the car...it was a big truck, I didn't see it.

So...

What do I do now?

[130man]

Hi Relay, I have no specialist knowledge but my understanding is that if he ran into you it doesn't make any difference why. The insurance companies can argue about it with each other but you should have your claim approved unless you are at fault, which doesn't seem to be the case here.Cheers, 130man.

[Tusker]

Yep I think that would be the case. You/your insurance co is seeking refress from the truckie. Its up to him to crossclaim against Mr or Mrs Excel.

Regards
Max P

[Redback]

Yep what 130man and Tusker have said.

Baz.

[d3funct]

Wouldn't it be funny, if the Hyundai and Relay both belonged to insurance A and the truck was insurance B.

Who would be the real winner in this one

[Hypothetically of course, crashes are never fun!]

[loanrangie]

Wouldn't it be funny, if the Hyundai and Relay both belonged to insurance A and the truck was insurance B.

Who would be the real winner in this one

[Hypothetically of course, crashes are never fun!]

There is no winner, we all get screwed in the end.

[dandlandyman]

"...everybody gets screwed in the end..."
I thought that's the whole purpose of insurance companies.
I've seen one bloke being sued for the repair of a car, even though said car was still parked in his yard in the same damaged condition now, 12 months later...
I once hit a Kia Rio in my 2a. In practice his fault, but legally mine. Anyway, I did $2500 damage to his boot, but it didn't even scratch the flaky paint off my bumper...

Built 2(a) last...

[mudmouse]

If either vehicle was towed, someone got injured, someone appeared to be affected by drugs or alcohol or if a party failed to exchange their particulars - then the police will have to investigate it. In these circumstances the insurance companies require a police event number and have access to a police crash summary and site diagram.

From the sounds of it, common sense (and physics) will prevail and show a car can't shove a truck (unless its doing big speeds)... anyway, try not to worry about it mate. Its a shame your Landy is bent but it sounds like you're in the clear. Let the insurance investigators do the running around, that's (some of) your policy money hard at work.

[Relay]

Okay...*sighs* It's like this:

I have third party property insurance. Hindsight is a killer, but when you're under 24 comprehensive is an arm and a leg and a liver...

Problem
a) I'm insured through -insurance company a- with all three of my vehicles.
b) The truck which ran into me, is also insured with -insurance company a-...<Now who was it that was laughing about the two people insured by the same company...I ought to beat you up you know that right >
c)-insurance company a- are standing fast, saying we dont have to fix your vehicle because we say the excel pushed the truck into yours. Hence not truck's fault...hence we're not paying.
d) Due to my third party property only insurance, -insurance company a- wont go into bat for me at -all-. They wont chase the excel for me (apparently that's my job). They pretty much tell me to...go away.
e) I called -insurance company b-, who the excel is insured with. And they're sending a letter. The owner of the excel needs to reply to that letter before I can even persue that avenue...which, if she has half a brain, she'll put off for as long as possible. And then eventually probably say, I hit the truck when it was stationary. Hence we're kicked back to -insurance company a- being at fault, who've already said they aren't.

So ya can all say, black and blue, I'm not at fault. I know that. But how do I -prove- who is at fault when I cant see the excel behind the truck? No, I didn't call the cops (should have but didn't); and I didn't get the excel's details (another of those should haves...) and there weren't any other witnesses, cept the boyfriend in the excel.

I'm starting to get

[Debacle]

Have you sent a letter of demand yet.

That may stop them fobbing you off.

Send it to the owner of the truck, not the insurance company, your issue is with him and therefore he will maybe put the screws on your insurance company.