First Accident and Post

[b0ndz]

Unfortunately my first (proper) post on this site is a sad one just bough my car two weeks ago and been scoping out the forums reading up on a few things when two nights ago I got into an accident.

Now the problem is that the other car (94 Civic) didnt have any insurance so im gonna have to fork out the cash from my pocket to fix it because i need the car and then see what i can do through the courts about getting my money back.

The body damage I'm not so worried about its the fact that my wheel is twisted and apparently the opposite side is on a slight angle too anyone know what sort of damage i could have and how much it might cost for the mechanical parts like i said not so worried about the body damage a friend of mines a panel beater so i should be slightly taken care of.

Images attached

[mummbles]

let your insurance company look after it and go after the other bloke.

[acarmody]

Don't you have insurance? If you have comprehensive insurance, than you initiate the claim and give them the other drivers details. That way your car gets fixed now and you pay nothing, and your insurance company chases the other wanker for the money, no stress on your part.

[Bravotwozero]

Don't you have insurance? If you have comprehensive insurance, than you initiate the claim and give them the other drivers details. That way your car gets fixed now and you pay nothing, and your insurance company chases the other wanker for the money, no stress on your part.

This.

Sounds like the OP doesn't have insurance either.

[b0ndz]

I only have third party comprehensive was $3500 when I put the details in for the quote, i didn't think it was worth it. Slightly disappointed that I didn't just fork out the cash now ..

[HoZy]

Thats some pretty severe damage, Suspension aswell as the rear guard is creased up near the door & the tail light gap...

Fkn WoW

[SSV Redline]

Man that sucks, I hope some is able to help you out through this forum. All the best

[wingwang99]

Go get yourself a quote to start with. Then send it to the other guy. If he can somehow get the money (which is not your problem) then have him pay the panel beater. If not you'll probably have to fork out the money yourself and get a lawyer. Sucks to hear mate, but maybe when you've got the cash get the insurance. And $3500 sounds ridiculously expensive even for a p plater...

[Lumps of cheese]

Jesus christ, $3500 for insurance??
Shop around, you'll get it cheaper than that. It sucks but it's a cardinal sin not having full coverage yourself, looks like you'll have to learn the hard way unfortunately.

[acarmody]

Maybe because it the 195kw engine insurance has bumped the cost up, can't see why though.

Also on an unrelated note I hope you didn't pay the $19,700 the seller was asking for it.

[Z3RO]

Jesus christ, $3500 for insurance??
Shop around, you'll get it cheaper than that. It sucks but it's a cardinal sin not having full coverage yourself, looks like you'll have to learn the hard way unfortunately.

I am with Juzo, for $3500 how much were you insuring your car for?! My insurance was $800 yearly and that included glass coverage with NRMA. You must have had some massive contributing factors to hike the price up so significantly. How long have you been driving for? How old are you and what is your driving record like?!

You're going to basically end up getting nothing out of the other driver in the end really. You have to either repair the car yourself and submit a letter of demand to the driver with can be delivered by a Marshall for a small fee on top. Then you'll have to go through court just to claim the money back, that can take up to years. Also court fees and costs which he will have to pay if you win. Or get the quotes together and go through the same process. It is lengthy and very costly. Best off getting yourself pay by the month insurance and hoping previous never happens again.

[gossie]

I'm not being rude, but truth is, if you can't afford the insurance, you can't afford the car.

Go get 2 quotes NOW. Get on the other drivers door step, hand them to him and WARN him you WANT the money within 24 hours or he will be in court before he knows it. Tell him the family lawyer has sent you around as it's far cheaper this way rather than going to court. BE VERY strong. Not nasty, just very strong. Good luck.

[acarmody]

I'm not being rude, but truth is, if you can't afford the insurance, you can't afford the car.

Go get 2 quotes NOW. Get on the other drivers door step, hand them to him and WARN him you WANT the money within 24 hours or he will be in court before he knows it. Tell him the family lawyer has sent you around as it's far cheaper this way rather than going to court. BE VERY strong. Not nasty, just very strong. Good luck.

Now now, the OP has third party comprehensive, and as far as I'm concerned thats enough, because at least my car would be fixed if the OP causes an accident (assuming I didn't already have full comprehensive).

[pjdm1980]

Usually third party covers you unless it was your fault, first thing I would do is call your insurance company and make sure that you are not covered under your third party policy.
If your not then your up shit creek without a paddle because no matter how firm or aggressive you are with this other uninsured drop kick, if he doesn't have any money your not getting a cent!
Hopefully this will be your lesson learned, good luck dude.

[Wongy295]

I pay $1600 a year insurance.
-First year insurance
-Green P's
-2007 VE Lumina ($4k after market gas conversion)
-Market Value (15-19k...or so they say)
-$800 excess

I think you should have shopped around a little more.

Also, when you pay car registration (the sticker you whack on the windscreen), I noticed a large % of the ~$500 was already 3rd party insurance.

If it's already included with your rego, why do you need to pay another company for 3rd party?

[wamboin23]

I pay $1600 a year insurance.
-First year insurance
-Green P's
-2007 VE Lumina ($4k after market gas conversion)
-Market Value (15-19k...or so they say)
-$800 excess

I think you should have shopped around a little more.

Also, when you pay car registration (the sticker you whack on the windscreen), I noticed a large % of the ~$500 was already 3rd party insurance.

If it's already included with your rego, why do you need to pay another company for 3rd party?

rego includes third party personal. this covers damage to other road users, also pay medical costs etc.

the extra third party you can pay for is for damage to property - if you hit something (building, car, utility etc)

[Wongy295]

rego includes third party personal. this covers damage to other road users, also pay medical costs etc.

the extra third party you can pay for is for damage to property - if you hit something (building, car, utility etc)

EDIT: Just read the brackets.

Looks like he is f***ed :P

[Z3RO]

rego includes third party personal. this covers damage to other road users, also pay medical costs etc.

the extra third party you can pay for is for damage to property - if you hit something (building, car, utility etc)

3rd party property is like $25 a month and covers you for like $20,000,000. If you can rack up a damage bill over $20,000,000 you're doing something VERY wrong and maybe driving isn't for you.

[gossie]

3rd party insurance is compulsory and is part of your annual registration fee. Does not cover you hitting another vehicle or cover you being damaged. Covers medical......but so does the Australian system if your injured.

Comprehensive insurance is your choice to cover you IF you hit something, or if the other vehicle has no comprehensive cover and YOU are in the right. Your insurance company will work for you to recover the costs to repair the vehicle.

I still stand by my earlier statement.......If you can't afford to insure your vehicle, motorcycle, PWC ( Jet Ski), home or contents etc. etc.you can't afford them.

[b0ndz]

3rd party insurance is compulsory and is part of your annual registration fee. Does not cover you hitting another vehicle or cover you being damaged. Covers medical......but so does the Australian system if your injured.

Comprehensive insurance is your choice to cover you IF you hit something, or if the other vehicle has no comprehensive cover and YOU are in the right. Your insurance company will work for you to recover the costs to repair the vehicle.

I still stand by my earlier statement.......If you can't afford to insure your vehicle, motorcycle, PWC ( Jet Ski), home or contents etc. etc.you can't afford them.

So your telling me you would pay the $3500 to comprehensively insure a $17000 car ? That's what around 20% of the value of the car plus I would have to pay approx $1500 excess. So all in all I'll probably repair my car for the same amount as if I was insured and there won't be a mark on my name with the insurance company either.

just a quick example that's like paying $120,000 to insure your $600,000 home so please be realistic when you tell me I can't afford the car if I can't afford the rediculous insurance.

[wingwang99]

To pay $3500 for insurance you would have to have a terrible driving history. I paid $1300 first time insurance to insure my vy for $15000 3 years ago... I'm in agreement with gossie

[Z3RO]

So your telling me you would pay the $3500 to comprehensively insure a $17000 car ? That's what around 20% of the value of the car plus I would have to pay approx $1500 excess. So all in all I'll probably repair my car for the same amount as if I was insured and there won't be a mark on my name with the insurance company either.

just a quick example that's like paying $120,000 to insure your $600,000 home so please be realistic when you tell me I can't afford the car if I can't afford the rediculous insurance.

What if YOU get into an accident and rear end another car or aren't paying full attention and hit another car? It will cost you guaranteed more than $3,500 to repair their car plus you will have to repair your car as well.

No one can understand how you got an insurance quote for $3,500 especially with such a high excess. Maybe you should have called a few different places like NRMA, Alliance or even budget direct. Budget direct won insurer of the year for last 2 years... apparently.

[huthy14]

I seen this happen in the last month it's bs. I have 3 cars within 4years r33 skyline turbo, vy maloo and now ve ss and I have always gone full insurance it doesn't matter if it's 3500 2800 at the end of the day u are cover and u can pay it monthly. I wrote my skyline off in 7 weeks of having it but and by memory it was 3200 a year I think but I didn't care because I was covered. It doesn't matter if it's ur fault or there's at the end of the day if u hit something more expensive like a BMW or a merc ur insurance covers it. Not u paying it off 7 years later. I'm now turning 23 this year and I pretty sure to insure my ve ss is something like 1250 a year and it's insured for 31k with all benefits. That might seem expensive to some but I'm covered if I hit any of your cars or u hit mine atleast I know I won't have to stress over crap I don't need too.

Get insurance!

[gossie]

So your telling me you would pay the $3500 to comprehensively insure a $17000 car ? That's what around 20% of the value of the car plus I would have to pay approx $1500 excess. So all in all I'll probably repair my car for the same amount as if I was insured and there won't be a mark on my name with the insurance company either.

just a quick example that's like paying $120,000 to insure your $600,000 home so please be realistic when you tell me I can't afford the car if I can't afford the rediculous insurance.

I'm not tell you what you have just ask. That's your choice to do what you wish and bear the consequences if the worst happens.

But what I did do was to give you some sensible advice to recover the cost of repairing your vehicle. Have you done that yet?

[Bravotwozero]

rego includes third party personal. this covers damage to other road users, also pay medical costs etc.

the extra third party you can pay for is for damage to property - if you hit something (building, car, utility etc)

No it doesn't. TAC premiums on your registration covers medical expenses only. It doesn't cover any damage whatsoever. (To anything!)