Question regauarding insurance

[trentvy]

Gday all I was just wondering what that legalitys are about insuring a v8 on your P's.. Look long story short Ive touched the ass off another car who was a VU ss ute driven by a P plater. no damage to mine apart from a broken numberplate cover. his is a cracked rear bumper. look I said he talk to his insurance company and go through them. now if i dont claim on my car i dont pay an excess do I? they fix his car and my car stays as is correct?

[Steery]

Whose fault was it? If it was your fault then you are going to be out of pocket.

[Ado]

You went into the back of him so its your fault and id say his insurance company will chase you for the money to repair his car.

[minux]

lol, you will have to pay for damages. His Insurance will pay him, then hunt you down. Regardless of whether he was breaking the law it is your fault.

[Tom_1569]

If your at fault it should be going through your insurance company, but either way you will be paying the acess to have his car repaired, or if he was a damn right prick and you have no insurance he could make you pay the whole lot, caus going through his insurance company will ruin a no claim bonus etc for him.

Depending on what P's and what V8 would depend if he was legally allowed to drive it, but going by he has insurance Id say hes legally allowed it. If he was driving a car he was not licenced to drive then his insurance companie or yours would try and weassle out of it, if it was a big enough claim. Either way you hit him from behind your in the wrong, do the decent thing and pay for his car to be repaired.

[gopher]

now if i dont claim on my car i dont pay an excess do I? they fix his car and my car stays as is correct?

correct

but you'll probably still have to pay for the damage on his car

[davway]

now if i dont claim on my car i dont pay an excess do I?

not only will you be footing the bill if you choose not to go through your insurer, you will most likely have to pay his excess as well since you were at fault.
a lot of companies have a little clause that states if you are involved in an accident and you are not at fault and can provide the details of the person who is at fault, you will not have to pay the excess, but the person at fault will have to pay it instead.

just go through insurance, less headaches and a lot easier.

[trentvy]

correct

but you'll probably still have to pay for the damage on his car

yeah thanks mate thats the main question that was worrying me. a little detail I should of added was I know the bloke personally and know for a fact his driving the car illegally without any exemptions. i was just wondering if i didnt claim on my cars damage I wouldnt need to pay an excess.

[gopher]

not only will you be footing the bill if you choose not to go through your insurer, you will most likely have to pay his excess as well since you were at fault.

they can't make him pay anymore than the repair costs

a little detail I should of added was I know the bloke personally and know for a fact his driving the car illegally without any exemptions.

if he was driving it illegally his insurer may not pay it either

if he's a friend you may be able to just come to an agreement about repairing it without involving insurers.

[BLOWN SS]

I'd pay for it yourself should'nt be too much saves you paying excess and then getting penalised with your premiums going up.... my opinion anyway!!

[VNexecutive]

i thought, legally, a victorian p-plater isnt allowed to drive an ls1?
id try and sort it out without involving insurance.

[Jesterarts]

Wait... if you cracked his bumper... why don't you pay for it to be fixed?

As it has been said, for something this samll... leave out the insurance company

It will be about the same as the excess and everyone is happy...

[davway]

Wait... if you cracked his bumper... why don't you pay for it to be fixed?

As it has been said, for something this samll... leave out the insurance company

It will be about the same as the excess and everyone is happy...

if the bumper is cracked, the damage is far more substantial than that.
the reo will be damaged, the mounts will be damaged, the body will be damaged, the quarters will also have damage etc etc.
it may sound far fetched but its not.
a simple little tap on the bumper can come out at 2-3k worth of damage.

[VNexecutive]

yes, but he also said he 'touched' the ass of another car. not slammed into it at 80 kays.
cracks arent hard to get in bumpers!

[Jesterarts]

if the bumper is cracked, the damage is far more substantial than that.
the reo will be damaged, the mounts will be damaged, the body will be damaged, the quarters will also have damage etc etc.
it may sound far fetched but its not.
a simple little tap on the bumper can come out at 2-3k worth of damage.

The mounts WILL be damaged huh?

The body WILL be damaged huh?

And the quarter panels WILL have damage too... really?

Damn... you're pretty dam ngood... considering he hasn't even put up pictures...

lol... mate... I have to say... you sound like a fool making statements like that.

If you said that there MAY be damage to all that... I could agree...

For there to be that much damage... you would expect him to have more damage than a bent plate and the ute would have a damaged tailgate you would think.

Need more details to make the statements you made...

[davway]

ok fine, change 'will' to 'possibly' then.
just pointing out that its not always as simple as 'cracked bar' and thats it.
any panel beater will tell you the same thing.

[DannyboyDS]

wen I got hit in the rear it damaged the drivers side quarter, the boot lid, the reo, the bar, the mounts, the boot (Floorpan?) and a whole bunch of otherbits and peices like the lights, etc, etc.

But when I got hit it was a fair whack, so it's all possible, go get a few quotes and have them assess the vehicle, if you get a few quotes you can quickly compare them and see if anything looks like it could be bullshit added to make money or whatnot, but you have to be damn sure, not everyone out there is a prick.

Just in the case of who is at fault, not ALL rear enders are the rear enders fault, if you fail to give way and get rear ended, it's your own fault (Just an example) if you do a right hand turn across an intersection while a red arrow for right hand turns is facing you it's your own fault as well.

My advice is go get some quotes and go from there, you should be able to find a company that repairs bars and they do a good job too (Pretty sure they garentuee the repair)

If you don't put an insurance claim in the second it occurs it isn't a big deal, so take some time and sort out some other options.

[Jesterarts]

ok fine, change 'will' to 'possibly' then.
just pointing out that its not always as simple as 'cracked bar' and thats it.
any panel beater will tell you the same thing.

That I can agree with...

Car's do have a nasty habit of hiding the damage till a few panels are removed and you get a chance for a closer look...

[JBDrifter]

not only will you be footing the bill if you choose not to go through your insurer, you will most likely have to pay his excess as well since you were at fault.

Wrong. Whoever is at fault in any accident has to pay the damages. If the damages are more than the cost of your excess fee, then you'd be going through your insurance company and paying your own excess.
The other driver, who was not at fault, pays no damages. Therefore there's no excess fee of theirs to pay, only your own.

[nemesis_adrasteia]

mate thats pretty dodgy tryin to get out of it hes a mate you just do that shit if he cracked your bumper you would make him pay just pay up im sure you can work it out if you cant afford it up fronts you know