i was reversed into, insurance question.

[pillzor]

short story is i was reversed into at a servo, minor front end damage and the person has full comprehensive with SGIC insurance and im just wondering if that covers me for a loan car while mine is in for repairs.... or is that upto the repairer , im going to try and get claridge holden as theyve done most of the work on my car from previous owners and do loan cars.

[ClairBear]

You claim on your insurance if your policy has hire car allowance in it.

[pillzor]

i dont have insurance, shes claiming on hers for it because it was her fault.
(im pov otherwise i would)

[green5.7]

then i would say no dont think so .

[pillzor]

oh well thats no good, looks like ill be on the bus for however long it takes then.

[acarmody]

I was in a accident a few months ago where a chick hit me up the rear. I have comprehensive insurance with Just Cars but they don't have a hire car option. Just Cars said that if the girl has hire car (which she does) then I can rent a hire car out of my own pockets and then forward the receipts to Just Cars and they will attempt to recoup the costs from her insurance.

Downsides are, it can be denied, not likely as even her insurance told me to do it. It is only for X dollars a day, and only having auto license and not wanting to paying massive excess, X/per day wasn't going to cover it, though they will pay up to $X even if you pay more. And it can take a while to get money back, as claim has to be finalised first.

So basically talk to SGIC and see what they say. Just say you were in a accident where your customer is at-fault and I need a hire car to get around until repairs are finished, what options are available. They usually won't lie on the phone as your just getting a normal grunt worker who has nothing to lose by telling the truth.

[pillzor]

well i wont be able to work as i do cash in hand on call courier driving so could that possibly be a factor?
i would be asking sgic all of this now but they are closed today.

[calais24/7]

Well i would be explaining that to the insurance company mate, say you need the car for your line of work your a courier, you have a house to pay off rah rah

[acarmody]

Well i would be explaining that to the insurance company mate, say you need the car for your line of work your a courier, you have a house to pay off rah rah

Insurance don't give a toss about that, they just want to pay the least amount of money, but they do have rules to follow.

If all else fails you can sue for the loss of income. Small-claims should do it, unless repairs take a long time.

[Troy711]

well i wont be able to work as i do cash in hand on call courier driving so could that possibly be a factor?
i would be asking sgic all of this now but they are closed today.

I'd say they will knock it back based on this fact alone.

I've been in a similar situation.. I had 4 weeks hire car on my policy but it took just under 8 weeks for my car to be fixed. I paid the rest of the hire car myself and it took 12 months to get the money back. (Other driver was at fault in my situation)

[acarmody]

I'd say they will knock it back based on this fact alone.

I've been in a similar situation.. I had 4 weeks hire car on my policy but it took just under 8 weeks for my car to be fixed. I paid the rest of the hire car myself and it took 12 months to get the money back. (Other driver was at fault in my situation)

Yeah don't tell anyone cash in hand. Just say loss of income.

I rethought my previous comment, Small Claims will not let you sue anyone for a cash in hand job.

[pillzor]

i make bugger all from that job anyway so i wouldnt be trying to get anyone for loss of income, i just dont wanna be without a car for however long it takes .

[green5.7]

better be looking at the bus times

[woteva]

better be looking at the bus times

That would be funny, a courier catching the bus

[bloodyricho]

shop around on your repairs holden dealers don't spray paint. alot of spray shops these days have courtesy cars - send your car to one of these - you ain't paying for so find the one that would give u a car to borrow till your's is fixed.

[pillzor]

shop around on your repairs holden dealers don't spray paint. alot of spray shops these days have courtesy cars - send your car to one of these - you ain't paying for so find the one that would give u a car to borrow till your's is fixed.

what do they do then just supply parts that are the right colour? they have to have something set up... do they out source too a paint shop , and if i was to go too a spray shop do they supply the parts and fit aswell?
and too clarify claridge holden has a dealership and a seperate repair joint on the opposite side of the road so its not just 1 car yard.

[VZ_SS]

Most holden dealers outsource to a panel beaters. When i got a hard cover for my ute, it was at the local panel beater getting fitted and painted.

[acarmody]

You will probably find that the other party's insurance will nominate a repairer for you. Unless you take their estimate in cash and then you can choose your own repairer, but guaranteed that the cash amount will be less then the actual repair costs.

[ClairBear]

Yeah don't tell anyone cash in hand. Just say loss of income.

So your advise is to not say he earns cash in hand and just say he had loss of income. What planet are you on? Do you think they take this on face value without proof? Then he just makes up some random amount and they pay him?

[acarmody]

Whoa ease up Sashyre.

I'm just saying that when the OP rings up SGIC, and enquires about thier options about a loan car, to say that you are in need of a vehicle for thier job as they cannot lose their income. If SGIC inquire about the income and how much it is (and I can't imagine they would as your not asking them to pay a wage just a loan car) then yes, problems will arise.

In a previous post I commented that my earlier suggestion about Small Claims would not work for a cash in hand job.

[ClairBear]

The OP has no insurance, SGIC might not even accept the blame, they don't have to. They might say he drove forward into her. This is why you are advised never to discuss blame at an accident scene because your insurance companies like to battle out the blame portions themselves.

Big Corporations like SGIC do not just hand out money for loan cars, they don't like paying out full stop, so some kid rings up with no proof of income, isn't even insured and hits them up for a loan car. Even in the cases they do agree, you have to pay up front and then recoup it.

Small claims wouldn't work for loss of income sustained in a private use vehicle involved in a minor collision when someone is a courier driver. That is why you have insurance yourself. Comprehensive insurance for business use with a clause in covering a loan vehicle to keep you on the road PLUS income protection insurance.

[acarmody]

The OP has no insurance, SGIC might not even accept the blame, they don't have to. They might say he drove forward into her. This is why you are advised never to discuss blame at an accident scene because your insurance companies like to battle out the blame portions themselves.

True, insurance companies are pricks. That is why you gather as much evidence (photos, witnesses, CCV footage if servo lets you) as you can. Usually its up to the other party to start the claim, but I believe you can call up their insurance and say this happened and present your evidence.

Big Corporations like SGIC do not just hand out money for loan cars, they don't like paying out full stop, so some kid rings up with no proof of income, isn't even insured and hits them up for a loan car. Even in the cases they do agree, you have to pay up front and then recoup it.

Also correct. Pay up front and recoup. But call up SGIC and confirm that is the case. In the case of a loan car, income should not even be a factor. If SGIC do have a loan car option and one of thier customers hits your vehicle so you lose it while your is being repaired, then they MAY provide a vehicle to allow you to drive around as you were before.

Small claims wouldn't work for loss of income sustained in a private use vehicle involved in a minor collision when someone is a courier driver. That is why you have insurance yourself. Comprehensive insurance for business use with a clause in covering a loan vehicle to keep you on the road PLUS income protection insurance.

But was the OP doing work as a courier at the time of the accident or not? That may change the situation.

[pillzor]

The OP has no insurance, SGIC might not even accept the blame, they don't have to. They might say he drove forward into her. This is why you are advised never to discuss blame at an accident scene because your insurance companies like to battle out the blame portions themselves.

police reports have been made from both partys and we are both in agreance it was her fault , she has lodged the claim and ive been told to go and get quotes allready.

[acarmody]

police reports have been made from both partys and we are both in agreance it was her fault , she has lodged the claim and ive been told to go and get quotes allready.

Really? SGIC asked YOU to get quotes? Man thats unusual, but cool in the fact that you can select the repairers.

[pillzor]

Really? SGIC asked YOU to get quotes? Man thats unusual, but cool in the fact that you can select the repairers.

1 operator told me i have too select from thier repairers and another operator told me too go get quotes wherever after the girl lodged the claim so im going to have too ring today and double check i guess.