Dirty S.O.B

[madsav]

last friday a guy run a red light and smashed into my holden vn commodore that just got re-sprayed.
anyway i went and got 3 quotes for him and they ranged from $1700 to just over $2000.
now the S.O.B wont pay up the cash and hes not insured.
anyone got any thoughts???

[1991_Vn2nV]

last friday a guy run a red light and smashed into my holden vn commodore that just got re-sprayed.
anyway i went and got 3 quotes for him and they ranged from $1700 to just over $2000.
now the S.O.B wont pay up the cash and hes not insured.
anyone got any thoughts???

Dont you have insurance? Third party fire and theft?

[anton1o]

Call your insurance company, thats what they are there for.

[madsav]

i got no insurance ,because i was going to wait till i got the bodykit put on

[1991_Vn2nV]

In that case your in the shit man.

In the future go for 3rd party fire and theft! It costs me just over a dollar a day and im 18 and on my P's.

Its well worth it just in case. If something happens and its not your fault, the insurance company will completely cover it.

You could take the guy to court if you really wanted to?

[adam69]

Get some friends and pay him a visit.

[madsav]

thats the plan if the court house carnt do shit for me .

[PaRaDoX]

dude, get the police involved, if u can get a witness, you might even beable to take him to a civil court shouldnt cost u too much but damn man, that sucks

*reads your last post*.... *shuts mouth*

[churnit]

Your local motoring association should have legal guys you can talk to.

[1991_Vn2nV]

By motoring association you mean like RACV, RAA etc.? Differs in each state?

[Mr_Slim]

your in NSW so speak to the NRMA they will give you some legal advice if your a member (costs like $20 and you can do it over the phone)

You will be able to take him to court, but i have a feeling if you just threaten the bloke - just say look here are the facts, YOU hit me, YOU are in the wrong, YOU don't have insurance, he might just shit himself and pay you. Tell him if he wants to fight you in court, not only will he have to pay for a lawyer, but if he loses he has to pay for YOUR lawyer (true)

Make him realise that he's in the wrong, and that any judge/magistrate will see it that way. Make him realise that once they do, he's in WAAAAY more shit than his is now, especially as the law is involved, as its illegal not to have insurance (unless he has CPT)

Apart from that, yeah you could bash the f*ck!


Just FYI - if you get insurance and then modify your car (bodykit) you just call your insurer, let them know, and they change your policy a little bit. You might have to pay a small amount, but bodykit is worth nothing to insurance so it wouldn't make much difference

[jules]

threaten to take him to small claims tribunal. if the cops fined him for running a red, you're sure to win. you did call the cops right? if not it's going to be hard, as he will most probably lie about what happened.

[Warooda]

Are you sure hes not insured? Small claims is the best way to go. get any witness's you can. If he is insured and is telling you he is not section 54 of the insurance act allows you to lodge a claim on his behalf and be cash settled less the excess if any. but you must try to use other avenues first. ie legal and civil. Make sure you report it to the police so its formally recorded. If you have any questions about dealing with insurance companys let me know..

Liam

[RVN 355]

i think court is an option for you mate, only option you got

[aussieghostrider]

Yeah if you didnt call the cops or report the accident within 24 hours then you have no chance of getting any $$$

you need witness's....
you need.. Reciepts & Quotes for repairs....
you need to contact the police as A.S.A.P and tell them what happened..
You have to give them all his details..
the Police will tell you what to do next... i.e. take him to court etc...
Make sure to take Photos,Witness's,quotes to fix etc... when u go to court.

Go and get 1/3 party insurance now that way when police say well do you have insurance you can say Yes.If you say you dont have any insurance at all then they will say tough luck & they wont do a thing.The insurnace company prob wont pay but atleast it looks good to police so they actually go after the bloke.If police say why you only just got insurance say you just spent $2000 on paint job and that you where getting insurance in few days and this happened.It will make you look good in their eyes so they will something,Also depends on your driving record as the police will check this also to make sure your not pulling a shifty or something.

Goodluck...

[brey9186]

why would you not have insurance yourself, thats rediculous

[Mr_Slim]

why would you not have insurance yourself, thats rediculous

broke? or back yourself that much as a driver that you don't think it'll happen to you?

All it takes is the sun in your eyes for 1/2 a second. Thats how i wrote off my VN...

Lukcy for 3rd party, cuz i wrote off their car too. Lucky no-one was hurt. Only my poor VN

[1991_Vn2nV]

broke? or back yourself that much as a driver that you don't think it'll happen to you?

All it takes is the sun in your eyes for 1/2 a second. Thats how i wrote off my VN...

Lukcy for 3rd party, cuz i wrote off their car too. Lucky no-one was hurt. Only my poor VN

Its got nothing to do with confidence as a driver. You can never account for the driving and ignorance of others on the road. That is why you get 3rd party fire and theft, so that if some1 else hits your car, you are covered. Also if someone steals your car etc.

$1 and a few cents a day for 3rd party fire and theft...for someone who just got a respray..that doesnt sound like too much $$$

[littlesweet]

Damn that would really suck, especially if you just got it done

[PaRaDoX]

Just FYI - if you get insurance and then modify your car (bodykit) you just call your insurer, let them know, and they change your policy a little bit. You might have to pay a small amount, but bodykit is worth nothing to insurance so it wouldn't make much difference

LOL Fat chance, insurance companies DONT make exceptions, small body modifications such as a front grill (i know because i had to do it my self)
bodykit's DO matter

unless your with an insurer such as Just car

my brother suddenly got uninsured with RACV after he fitted 17x7.5" rims
they only insured 17x7.0"

or my other friend who dumped his car 60mm on racv, also found him self un insured, AAMI are better but unless your over 25-30 they really DO care

I just slapped a kit on my car, im insured with AAMI (policy expires soon)
was gonna let it slip then go to just car, but i blew my engine so i wont be needing insurnace, cars gonna sit in the garage....

theaten legal action

[madsav]

lol i got the CASH out of that guy, i went to make a home vist, the pannel beater recived the ful payment today , well im back in a good mood

[genIIIbandit]

aami and just cars are the same company, read the fine print on your insurance certificate.

[mouce]

I just went and checked with AAMI about what I can and can't do to my car. I was told only one major modification before I'm 25. Major mods include suspension, brakes, rims (even a +1 fittment), bodykit, sound system...

Minor mods like upgrading the headlights and putting in seat covers (it matters to some insurance agencies) don't matter so long as they don't exceed a certain value.

If you change ANYTHING you have to tell them.

[Mr_Slim]

I just went and checked with AAMI about what I can and can't do to my car. I was told only one major modification before I'm 25. Major mods include suspension, brakes, rims (even a +1 fittment), bodykit, sound system...

Minor mods like upgrading the headlights and putting in seat covers (it matters to some insurance agencies) don't matter so long as they don't exceed a certain value.

If you change ANYTHING you have to tell them.

so wait. i already have a Lukey exhaust system on the car (my 1 mod allowed with AAMI) so if i fit the King Spring superlows and the lowered shocks i just bought, they won't insure me? But they make the car safer! Lowered springs and better shocks shit on the standard Holden crap! Is this right?

[1991_Vn2nV]

LOL Fat chance, insurance companies DONT make exceptions, small body modifications such as a front grill (i know because i had to do it my self)
bodykit's DO matter

unless your with an insurer such as Just car

my brother suddenly got uninsured with RACV after he fitted 17x7.5" rims
they only insured 17x7.0"

or my other friend who dumped his car 60mm on racv, also found him self un insured, AAMI are better but unless your over 25-30 they really DO care

I just slapped a kit on my car, im insured with AAMI (policy expires soon)
was gonna let it slip then go to just car, but i blew my engine so i wont be needing insurnace, cars gonna sit in the garage....

theaten legal action

Since i got my insurance with Allianz, I have gotten my entire bodykit, upgraded rear suspension, sports steering wheel (removed now anyway), upgraded sound system, alarm, window tint (removed now as well) and I have been able to change my policy every time.

No charge. Just a simple phone call and they sent me out new paperwork with the updated information.

Perhaps it helps if you make an informed choice before you choose your insurance company.