Just done the most stipid thing :(

[Burniehoon]

Ok so i was backing out of a street side carpark and a mate was telling me about the front of a car that was all smashed so i kept on backing out and was trying to look at the same time. The next ting i knew i was making some rather nice dents and scratches in a blokes nise ss commy now im not they type of person to just drive off so i went in and told him what happened gave him my details and everything else and now it turns out i owe him $500 to fix. But the problem is i didnt have insurance at the time (big mistake i know) and im a student so i dont have the 500 cash laying around.
So my question is where do i stand with the payment? I know i will have to pay but can he do anything if i just pay him off or how does this work?

[Bravotwozero]

If he goes through his own insurance company they will cover his repairs then chase you for the money. If you offer to pay them a certain amount that you can afford each week, they will generally accept it.

Let this be a lesson to you. Get insurance, (at least 3rd party) it could have been a $200,000 BMW you reversed into rather than a Commodore!

[EvoVIIIJDM]

You didnt even have third party is that right?

[Burniehoon]

If he goes through his own insurance company they will cover his repairs then chase you for the money. If you offer to pay them a certain amount that you can afford each week, they will generally accept it.

Let this be a lesson to you. Get insurance, (at least 3rd party) it could have been a $200,000 BMW you reversed into rather than a Commodore!

Yeah when i spoke to him he said that his insurance will not cover it and i thought that was odd? but yeah i know i went straight home and got 3rd party put on so atleast im covered from now on.

[EvoVIIIJDM]

what a moron.

[88GreenVN]

Some lessons are tuff to swollow. Offer the bloke to pay as you can. He wont take you to court over $500 - yet. Get on the front foot make a payment list with how much you can pay each week. Then stick to it. Give up driving to save petrol. Give up extras until you have paid the man off. Get a receipt for each payment)

[AttaBoy]

Ouch that hurts.....

Good on you for not driving off. At least thats the good thing you did.

[Burniehoon]

what a moron.

Yeah i know but its not easy being a student getting $100 a week so im just going to have to get it and bee really poor for a while.

Some lessons are tuff to swollow. Offer the bloke to pay as you can. He wont take you to court over $500 - yet. Get on the front foot make a payment list with how much you can pay each week. Then stick to it. Give up driving to save petrol. Give up extras until you have paid the man off. Get a receipt for each payment)

Yeah thanks for that exactly what i was going to do.

[stocky]

Yeah i know but its not easy being a student getting $100 a week so im just going to have to get it and bee really poor for a while.

thats not an excuse. dont drive if you cant afford it. i was a student too and if youre not earning enough, work more hours.

[Steery]

its quite clear why hes not going through the insurance company...

he doesnt want to make a claim and potentially lose his no claim bonus and increase his premiums.. all for $500.

edit: i earn $100 a week and pay for rego, petrol, phonebill, insurance and going out. (while in year 12)

[EvoVIIIJDM]

Yeah i know but its not easy being a student getting $100 a week so im just going to have to get it and bee really poor for a while.

Why are you driving a car then? Get a pushbike, public transport. Priorities.

Isnt more the point that it is illegal not to have it?

[andrewmac]

Yeh If you cant afford it dont drive, Simple really.
I lived off $40 a week while in Yr 12 and that was doing pizza delivery so I also had the petrol expense aswell.
I managed to pay off my insurance and that was comprehensive aswell.
I think Third party property damage should be mandatory when paying for rego aswell.

Stupid thing to drive without it but you have learnt your lesson the hard way.

I hope it all goes well though and you can get it paid off without too much grief.

[vee ka]

Why are you driving a car then? Get a pushbike, public transport. Priorities.

Isnt more the point that it is illegal not to have it?

i think it's the same for all states but..... it's not illegal to not have insurance, there is two types of "third party insurance", one you MUST have and is included when you pay your rego ( thats why they are so against driving unlicensed cars ) and the other you organise your self.

[VN_Luke]

In this particular case, even if the OP was insured third party, and decided to go through the insurance company - he'd be looking at a 500 basic excess + whatever age excess he has, right? - so chances are he'd still be in exactly the same situation right now.

Having said this, though - thank your stars that it wasn't some blokes candy green metallic 6 pearl sparkle flake brand new ferrari , or a traffic/phone control post thinggie

Other than that, the best thing to do (as already stated) now would be

1) get insurance and never drive uninsured again
2) explain the situation to the other guy, and provide a solution or a series of alternate solutions for him to get his cash with as little hassle for him as possible

[Burniehoon]

Why are you driving a car then? Get a pushbike, public transport. Priorities.

Isnt more the point that it is illegal not to have it?

Um yeah im not here to argue the point with you but id like to see you live in Tasmania without a car.

And no its not illegal

[EvoVIIIJDM]

Um yeah im not here to argue the point with you but id like to see you live in Tasmania without a car.

And no its not illegal

i visited about a year ago? I pretty well remember public transport, but you are located in Burnie, on the north coast. What a hole that place is.

I dont understand your point? What makes Tassie different to anywhere else?

[Bravotwozero]

its quite clear why hes not going through the insurance company...

he doesnt want to make a claim and potentially lose his no claim bonus and increase his premiums.. all for $500.

edit: i earn $100 a week and pay for rego, petrol, phonebill, insurance and going out. (while in year 12)

Don't lose your no claim bonus for a no fault claim. Don't even pay an excess.

In this particular case, even if the OP was insured third party, and decided to go through the insurance company - he'd be looking at a 500 basic excess + whatever age excess he has, right? - so chances are he'd still be in exactly the same situation right now.

Having said this, though - thank your stars that it wasn't some blokes candy green metallic 6 pearl sparkle flake brand new ferrari , or a traffic/phone control post thinggie

Other than that, the best thing to do (as already stated) now would be

1) get insurance and never drive uninsured again
2) explain the situation to the other guy, and provide a solution or a series of alternate solutions for him to get his cash with as little hassle for him as possible

I was thinking the same thing, but nobody in Burnie could afford a Ferrari!

[POVRTY]

if his insurance company were to pay andthey had to chase u for the money the price goes up for admin fees and legal fees.

[Grennan]

Id be going to him and just telling him your situation, tell him you will pay but can only afford X amount each week or something.

Atleast youve done the right thing and told him about it and are willing to rectify the issue.

[quick308]

i visited about a year ago? I pretty well remember public transport, but you are located in Burnie, on the north coast. What a hole that place is.

I dont understand your point? What makes Tassie different to anywhere else?

i lived on the northwest coast of tassie for 16 years hes right mate if you dont have a car gettin transport is a nightmare. compared to the mainland its really all country and small towns. im guessing you were in Hobart if so yes there is plenty of transport there

[EvoVIIIJDM]

i lived on the northwest coast of tassie for 16 years hes right mate if you dont have a car gettin transport is a nightmare. compared to the mainland its really all country and small towns. im guessing you were in Hobart if so yes there is plenty of transport there

nah we got a hire car, did the run swansea burnie, penguin launceston hobart the works. Its very picturesque.

[quick308]

nah we got a hire car, did the run swansea burnie, penguin launceston hobart the works. Its very picturesque.

i dont understand what your tryen to say

[EvoVIIIJDM]

i dont understand what your tryen to say

Tasmanians...... picturesque means beautiful, scenic, picture postcard.

[Burniehoon]

i dont understand what your tryen to say

i think he means he did the senic drive

But yeah if you know anything about tassie its that everything is years behind the rest of Australia espessially public transport

[Shounak]

I had a guy reverse his car into mine while I was sitting inside it. His towball went straight into my rear bumper, after exchanging details I called him later to quote him $450.

He said that ridiculous and was expecting to pay more along the lines of $20. After much negotiation he agreed to $50. So I just took it through insurance.

Insurance valued the damage at $650 and fixed it all for me. I gave the details of the other guy over to my insurance company who I would assume would have billed him $650.

If the other guy has full comp insurance, he won't have to pay an excess and even if he initially does, it will be refunded to him. You admitted fault, so you're liable to pay the cash. I also didn't lose any ratings and I was not made to pay an excess. And why should I?

3rd party wouldn't have helped you here as your excess would most likely be much higher than $450.

Suck it up mate. Nothing you can do. You caused that much damage to his car, do the right thing and pay for it.