car accident help???

[vsowner94]

hey guys,
had a bit of misfortune today where i accidently hit a guy
he stopped in the middle of the intersection for no apparent reason, i stamped on the breaks but was just not quick enough, now there was no damge to his car that i could have possibly done because my car is to low for the supposed "dent" and the area where it hit (my paint got a few scratches) was to high for where i apparently took away his paint, anyway i pulled over happily (well more shit scared as im a p plater and this was my first accident) now i looked closely at his car and asked if he was ok and if his daughter was ok, he took my details, i thought i was doing the right thing, but forgot to take his >.< now im worried about what is going to happen, im not insured yet so im abolutely shitting dacks, he was yelling at me and everything whilst i tried to do it the calm way, so im also worried that he might have gone and done more damage to his car to claim that i did it, what should i do? please help is there anyway i can get out of this or make it minimum? i also had 2 witnesses in my car

[FstStig]

Should of taken Photos of the damage done to both his and you're car at the time of the accident. You will most likely get a visit from the local police if he goes through insurance as he will need to fill out a police report.

[vsowner94]

yeah i thought of all that too late, was sorta in shock as its my first accident
would they compare the heights when i point out that mines to low for that
to happen? also wouldnt my plastic bumper have broken before his metal items
dented? it was a hatchback and he said i dented the area where your hand goes
to open the hatch, i couldnt have gotten in there to dint it, + i couldnt even see
the dent. ahhh not the police, ffs -.-" this just keeps getting worse, i didnt do anything wrong
but because i have Ps and hit him in the ass end they are gunna assume the worst >.<

[Grennan]

The police shouldnt be any hassle, unless you were driving like a twat and people saw it. An ass ender is a common thing, just explain he braked unexpectedly, I didnt leave enough room and didnt pull up. The main thing is you remained calm, made sure everyone is ok.

Do you atleast have third party insurance? Otherwise you might be forking out some cash.

[DevilDRake]

I'd be ringing up the insurance and putting it on now and then ringing up claiming tomorrow hahaaha. Nah joking.

I did the same thing, I forgot. He chased me up with legal companies because he didn't have insurance instead of getting a legit quote, and he got a faulty one.

Some people will be right asses, if you don't have insurance and they get legal companies onto you, pay as they say or you're ####ed.. But with insurance saves your head.

Why don't you have insurance anyway?

[Sabbath']

I hope you get pinned to a wall and butt-raped for driving with no insurance.

[vsowner94]

yeah i made sure everyone was ok, no i was driving very well it really was an accident,
the main thing is that his car had NO damage from my car :/ is there anyway i can prove
this??
Also the insurance just hasnt come into place yet...
Sabbath comments like that are not needed...

[87RB30VL]

A guy once ran up my butt (No, not in prison) and he wasn't insured, my tow bar went through his radiator and totalled his front end, not a scratch on me, but the moral of that story is not relevent, in your case I guess at the end of the day he can probably get you to pay for his damages, but you might have a chance at something, dunno what though, if you get the 2 witnesses inside your car to tell the 5-0 stories which corroborate yours etc, but as much as you don't want to hear this, no insurance usually means you have to pay his premium, which could be 500 - 1000 depending on his insurance I guess

[Hangman]

If you ran into him, despite him stopping unexpectantly, you're pretty well automatically at fault. You'll have a hard time proving otherwise.

[acarmody]

A guy once ran up my butt (No, not in prison) and he wasn't insured, my tow bar went through his radiator and totalled his front end, not a scratch on me, but the moral of that story is not relevent, in your case I guess at the end of the day he can probably get you to pay for his damages, but you might have a chance at something, dunno what though, if you get the 2 witnesses inside your car to tell the 5-0 stories which corroborate yours etc, but as much as you don't want to hear this, no insurance usually means you have to pay his premium, which could be 500 - 1000 depending on his insurance I guess

No you don't pay his excess, you pay for ALL the damages, his insurance (if he has it) will want to recover all their money.

[H4Z4RD]

Whatever happens, and it's good we're talking about a little bump & not a write off, when this is all finished take it as a lesson & move on.

SabbathSS's comments probably sound a little harsh, but then again ya gotta have insurance bro, I'm not gunna give you a lecture as to why, you know the reasons. No matter how many accidents you're in it never get's less stressful when it happens, and that's probably because you give a $hit & don't want anybody getting hurt.

Mate I hope everything works out for you. Did you tell the other guy you weren't insured?

[gem05]

Why havent you got at least third party damage insurance this would have saved you from out of pocket,but you might be able to get out of it because I was hit by an uninsured driver and he got away with it because he didnt have a cent to his name so he said to my insurer so they couldnt get blood out of a stone,but lucky I was insured so my own insurer payed to fix it.Police wont do nothing about it if no one was injured and the cars were still driveable,so what I think will happen is that his insurance will pay for it

[vsowner94]

but thats the thing guys, there was no damge to his car, mine copped a few scratches which im beearing, his was fine
yeah i told him i wasnt, wasnt gunna try bullshit him, was tryna do the right thing after it.
Im not sure if he has insurance or not, he gave me no details or anything, he said something about getting a few quotes
and ringing me and telling me whats the go, which i guess it will be settled without insurance company?

as i said before i just want to know if i can prove i didnt do damage because my car was to low to do what he was saying i did
the worst he could ping me for if i cant get that my car was to low to go because they ignore that fact, would be one slight scuff mark
would he really go through all the trouble??

it wasnt a new or expensive car or in very good condition, i know this isnt the point, but would be really try push through with this??
or would he be nice and just use a scare thing?? because all he wrote down was my name address and mobile number, no rego or car
information

[Bravotwozero]

1. If you genuinely didn't do the damage he says you did, then stand your ground. If you did do the damage man up, do the right thing and pay for repairs. If he doesn't like this then tell him he'll have to claim on his insurance. I don't think you'll get a visit from the cops so don't worry about that. Even if they do, what are they going to do anyway?

2. Park your car and don't drive it again until it is insured. You're lucky you didn't do more damage so learn from it. Also insurance doesn't just come into place. I don't know what you meant there but it doesn't actually fall out of the sky. You call an insurance company, give them all the details and pay. Or you can even do it online. It is that simple. If by saying "it hasn't fallen into place yet" means you don't have the money then get insurance over the phone. Most companies do cover notes that will buy you a little time.

[gopher]

no insurance usually means you have to pay his premium, which could be 500 - 1000 depending on his insurance I guess

no it doesn't he will get a letter of demand for the full amount

as i said before i just want to know if i can prove i didnt do damage because my car was to low to do what he was saying i did

you can
i was the last car in a 6 car pile up a few years ago
the 5 cars in front had already hit when i ran into the back of the last one almost at exactly the same time
i got sued for the damage to the 5 cars which was something like $40k mine only $4k worth of damage
long story but i had photos of mine and these were eventually suitable to prove that i couldn't have done that amount of damage

it took 6 years and several court appearances to finally sort out that i was only responsible for the back of one car
even though i was fully insured i still had to attend these court appearances and the letters of demand were sent to me

[vsowner94]

when i said it isnt in yet i rang up and gave them my details and stuff to insure it
but it wasnt instant, so technically im not insured if ya get what i mean?

also gem05, i could probably prove that because im a school student, so i really
dont have a cent to my name but that doesnt seem fair if i honestly caused damage i would
just cop it sweet and suck it up but i can honestly say i didnt cause any damage to him

[JMP]

Damage to his car is one thing but there's nothing to stop him waking up tomorrow and saying "my neck hurts" then you may find yourself in a little strife. You should have reported it to the cops, it doesn't hurt anyway and it's good to have it on record.

[vsowner94]

couldnt have been hard enough to do that, the seatbelts didnt lock or anything
and bumper cars hit harder.
i know it sounds like im making excuses for it, i know its unacceptable
and i should have hit the brake earlier but first time didnt think quick enough
to hit the brake.

[acarmody]

Damage to his car is one thing but there's nothing to stop him waking up tomorrow and saying "my neck hurts" then you may find yourself in a little strife. You should have reported it to the cops, it doesn't hurt anyway and it's good to have it on record.

Thats covered by compulsory third party insurance, so as long as the car was registered than its covered. Or green slip, or whatever the hell you guys call them down there.

[ClairBear]

A. You should not be on the road without insurance.
B. How do you hit another car and cause no damage? Were you both driving jelly cars?

[vsowner94]

wait wait wait, acarmody, my greenslip is insurance? whats it cover???

[vsowner94]

sashy it was a very very soft nudge, i got a few scratches, his car fine.

[acarmody]

Greenslips cover injury to the "not-at-fault" driver.

[vsowner94]

ahh well thats pretty good, glad to know that part is covered

[acarmody]

Definitely, car injuries can run into the millions of dollars.