I rearended someone :(

[madd0g]

About 4 weeks i went up the ass of some women going through guilford, i was going about 25km's/h and when i hit her i was doing no faster than 8km's when i hit her. I was so embarresed and i know how stupid how it happened and it all happened so quick i didnt know what was going on. I got out and she got out. her tow bar was bent up but besides from that little damage. she was jumpin up and down but she setlled down, she told me her car was a write off but there was very minimul damage(although her car looked as if was worth 200$). the only damage to my car was 3 little holes in the bumper(from the tow ball and the bike rack holders) anyway got her number and drove off. all sweet. Hadnt heard back from her in the last 4 weeks but today i got a letter from the 3rd party insurance thing. She had lodges a claim for injury which i was stunned as she was fine and there is no way she could of got injurded from a 8km colision. she would not of even felt it. Then just a second ago i got a phone call from sgio, she had lodged a claim for her car. She is scamming me and the insurance company as the quote was way over the cost of the damage, or the car for that matter. Is there anything i can do to tell my side of the story, i dont mind fixing her car but not for the cost i am getting hit up for. Any suggestions. Once again i am very embarresed but thankful there was no damage to my car.

[ova400]

1st up do you have insurance?? If not i would be firstly talking to a solicitor.

Only other advice would be to get as much info out of her insurer about the damage and injuries.

Goodluck with it though.
Dave

[kriminal]

do you have insurance? if you do tell them what happened and that the damage could not have cost that much...also go to the police and just do a report of what happened and get the event number to go to your insurance company. the insurance company will than want to see her car and from the description of the crash see the damage.

btw i work for nrma so thats how we do it...even tho sgio is part of iag which also owns nrma they have the same claims rules etc.

[jimiemick]

Man that sucks Id 1st of all speak to a Lawyer and see how you go

*some people are just dogs

[nudenut]

If you're comprehensively insured, as kriminal said lodge a police report and give that report number and any other details to your insurer, then let them (and their experts and legal team) deal with it - they won't want to hand over more money than they have to so if it's a scam they should find it out.

If not - probably still a good idea to lodge a police report, find out how much she's asking for, and if it's ridiculous, talk to a lawyer experienced in traffic accidents. (Much as I hate to promote lawyers. :jester:)

[Oversteer]

Gee bad luck there...the time i rear ended someone in similar circumstances the guy and girl i hit just said for me to get them a new rear bumper..$20 from the wreckers the next day, dropped it around and he put it on himself. Sounds like you need some of my luck...:)

[VooDoo]

Firstly you should have taken photo's of the damage. I used to keep a desposible camera in the glovebox for that (now camera phones do the job)

Its funny how fast ppl back down once you supply a few pic's

[macca33]

I'd be more likely to stick to discussing the issues with my insurance company, perhaps with their legal division and lodging a claim. If he goes to report (a collision which does not necessarily have to be reported) to the coppers, then he may receive a fine for running up her rear end. If she wants to claim transport accident insurance, etc, then she will already have done so, in any event.

Clearly, this sheila is another one of the scammers. Let your insurance company deal with it, but be sure to inform them of the very minor damage and low impact speed, then let them sort it out. I'm sure they'll inspect the 'damage' to her car prior honouring any claim and it will be investigated thoroughly, especially when you mention the word scam to them. You may have to pay excess and suffer an increased premium, however, they may not pass those costs on depending upon their findings. Why should you have to worry about anything else? That's what you pay insurance for.

I detest people that do this, they are leeches.

Cheers and good luck,

Macca

[vicarious]

if she lodges a claim for injury, wouldn't she need a hospital certificate or something like that stating her injurys

[mac06]

That's why you have insurance. They handle the legal side of it for you. You shouldn't need to worry too much about it, just the possible need to waste time going to court if the claim actually gets to that stage.

[Wonky]

Firstly you should have taken photo's of the damage. I used to keep a desposible camera in the glovebox for that (now camera phones do the job)

Its funny how fast ppl back down once you supply a few pic's
Yep, after having a similar thing happen to me I always used to carry a camera in the glovebox for that reason. Fortunately in my case the insurance company looked after it so it was no skin off my nose really. However, it did open my eyes to the possibility of being scammed so a camera was my constant companion. I spent a while with an investigator from the insurance company as it turned out this girl had apparently had claims for 3 rear end shunts in a short period. Maybe in her old crap car she was deliberately taking off from lights and then stopping? Or maybe she was just a crap driver??? :confused:

However, I also know from when my daughter's VS was rear ended there can be hidden damage underneath, although probably not from 8kmh. She was hit harder than that and it didn't look much until the panel beater showed us.

Moral of the story - even if you know/feel you are in the wrong always get pictures of any accident you are in (if you are not badly injured of course), particularly of damage to the other car and where the cars ended up. At best you won't need them but they could be handy!

Nowadays mobile phones with cameras are great - no more need to carry a separate camera around.

[tim_k]

And get witness details if there were any. Otherwise it's your word against hers

[mmciau]

About 4 weeks i went up the ass of some women going through guilford, i was going about 25km's/h and when i hit her i was doing no faster than 8km's when i hit her. I was so embarresed and i know how stupid how it happened and it all happened so quick i didnt know what was going on. I got out and she got out. her tow bar was bent up but besides from that little damage. she was jumpin up and down but she setlled down, she told me her car was a write off but there was very minimul damage(although her car looked as if was worth 200$). the only damage to my car was 3 little holes in the bumper(from the tow ball and the bike rack holders) anyway got her number and drove off. all sweet. Hadnt heard back from her in the last 4 weeks but today i got a letter from the 3rd party insurance thing. She had lodges a claim for injury which i was stunned as she was fine and there is no way she could of got injurded from a 8km colision. she would not of even felt it. Then just a second ago i got a phone call from sgio, she had lodged a claim for her car. She is scamming me and the insurance company as the quote was way over the cost of the damage, or the car for that matter. Is there anything i can do to tell my side of the story, i dont mind fixing her car but not for the cost i am getting hit up for. Any suggestions. Once again i am very embarresed but thankful there was no damage to my car.

MaddOg,

If you are ever in another accident again, report it to the police as an imperative - no matter what the level of damage is.

If you are insured, let the Insurance Company sort it out.

Mike

[hsv-105]

I thought it was someone jumping out of the closet when I first spotted the title.

Each to their own I suppose - I am sure there are forums for that sort of thing.

If it relates to a car accident I would be seeking advice elsewhere mate :confused:

[Redliner]

There are two possibilities in your case. The first one better than the other.

Firstly, Try to find out if she seeked any medical assistance in the first 24 hours after the collision. If she hasn't done this, there is no way she can claim any form of compensation from any car insurance Co as insurance companies are well aware of persons trying to fraud injury compensation out of any of the car insurances companies. Because you have both exchanged particulars, No injury has been reported in the 24 Hr window after collision, No vehicles towed and no drivers under influence of alcohol or drugs it is classified as a Miner MVA and is handled by insurance only. They just obtain a version from both of you then determine the at fault party who will pay for the damages from there insurance or personal account.

Secondly, If unfortunately, she has reported to and seeked some medical assistance in the first 24 hours, the insurance company will tell her to report the collision to police as it now comes under the banner of a major MVA where police will take versions from both parties and determine who is at fault and adjudicate on this. If this is the case, I would say you would receive a Neg drive infringement $308 fine and 3 points off your licence.

Hope the latter is not the case.

[Rotty]

Not sure on WA laws, but in Qld an "injury" accident must be reported within 24 hours, otherwise she will have to front at the police station nearest where the crash happened with a Motor Accident Insurance report form filled out, she may still be fined for failing to report an injury accident within the required time. Either way if police become involved you are most likely going to be fined. Police involvement in crashes is to determine what offences have been committed and charge the offender(s) as appropriate, not to conduct an investigation on behalf of the insurance companies.

[ringram]

Firstly you should have taken photo's of the damage. I used to keep a desposible camera in the glovebox for that (now camera phones do the job)

Its funny how fast ppl back down once you supply a few pic's

Tried that in the UK after some deformed piece of foreign muck went through a red light. Police said digital images were not accepted as evidence, too easy to edit/alter.
Keep that desposible in the glovebox dude.

[Ridin-High]

Doesn't CTP greenslip cover medical expenses in accidents

[craig2510]

In WA i thought that the personal injury claim is covered under the compulsory 3rd party insurance which is included in your cars rego.
The only thing your insurance company would have to pay for is the damage to her vehicle.
The fact that you rear ended her the police may give you a ticket for drive without due are - cause minor accident (thats the offence up here). In the NT (dont know about WA) you would have to go to court for it as she is claiming she got injured.

[smacx]

I am pretty sure the medical cover in the CTP only covers death and disability. Essentially the CTP is the equiv that vicroads charge in rego, TAC fee

[tim_k]

Tried that in the UK after some deformed piece of foreign muck went through a red light. Police said digital images were not accepted as evidence, too easy to edit/alter.
Keep that desposible in the glovebox dude.

So if digital photos are not admissible as evidence, what does that do to red light/ multinova camera pictures????

[mosoto]

So if digital photos are not admissible as evidence, what does that do to red light/ multinova camera pictures????

ROFLOL, Touche' m8. but plod don't doctor photo's now do they!!!!!!

[zorro]

MaddOg,

If you are ever in another accident again, report it to the police as an imperative - no matter what the level of damage is.

If you are insured, let the Insurance Company sort it out.

Mike

I dont know about WA but police here in QLD dont want to know about it unless there is over 3k damage or someone required medical treatment. I have had them say this to me and also a mate.

I am in the same world no matter how small the incident you should have it reported that way if situations like this pop up you have some ammo to help you out.

[mmciau]

I dont know about WA but police here in QLD dont want to know about it unless there is over 3k damage or someone required medical treatment. I have had them say this to me and also a mate.

I am in the same world no matter how small the incident you should have it reported that way if situations like this pop up you have some ammo to help you out.

When you are reporting it in the first instant, you tell them it a "guestimate" of $5000 to yours alone!!

Mike

[madd0g]

well went through my insurance papers and discovered if i lodge a claim i will be hit up with a grand total of $1550 exess alone. Do you know if you can request a panel shop to fix the car. My mate was telling me if you are paying for the damges you have the right to choose the panel shop. I have a mate who owns a shop and will do if for cheap.
Regards to 3rd party, I got a form from the 3rd party insurace people ( the rego insurance thingo.) for injury so that should cover that side of things. hopefully they will sort that out.

[mosoto]

A front bar to R/R & paint can be up to $800.
So if your excess is above that amount then there'd be no point in going thru insurance, which is what your Insurance Co will tell you anyway.

[Wonky]

A front bar to R/R & paint can be up to $800.
So if your excess is above that amount then there'd be no point in going thru insurance, which is what your Insurance Co will tell you anyway.

I can't see that there would be significant difference between VU front bar and my SSV rear bar to R/R and paint. When I had to do mine most quotes were $450 - $500 but then I got one for $300 which turned out to be who my dealer uses anyway - and that included removing rear park sensors, drilling holes for them in the new bar and refitting them.

[mosoto]

I can't see that there would be significant difference between VU front bar and my SSV rear bar to R/R and paint. When I had to do mine most quotes were $450 - $500 but then I got one for $300 which turned out to be who my dealer uses anyway - and that included removing rear park sensors, drilling holes for them in the new bar and refitting them.

I did say up to. I've had quotes from $350 by an average panel shop to$800 from a shop that does expensive imports (Lambo, Porche etc). And in this world you get what you pay for so the resultant quality depends on what you want to pay.

[Wonky]

I did say up to. I've had quotes from $350 by an average panel shop to$800 from a shop that does expensive imports (Lambo, Porche etc). And in this world you get what you pay for so the resultant quality depends on what you want to pay.
I'm happy with the job they did and in fact being Nickel it suffers from the problem of colour mismatch between plastic bars and metal body, as discussed a number of times on here. (Mine from the factory was bad as you can see in some of my early Wonkymobile pictures in My Ride.)

They weren't happy with the colour match the first time they sprayed it (was about the same as from the factory) so at no cost to me pulled it off and did it again. Can't complain about that!

[madd0g]

My mate is fixing my car for a carton of piss so thats no problems. Just this lady is going through insurance so ill have to pay excess for fixing her car hey or whats the go? Do i pay her excess or do i pay my excess or what? im so confused hey haha. I might just ask her to let my friends at the panel shop fix it... i dkno how it all works hey

[*VYSuper6*]

im pretty sure there are 3 ways it can work.
1. She goes and gets quotes for the damage (like 2 quotes min.) and then you can pay cash for it, that way insurance isnt involved, and premiums arent affected. however i think your situation is a bit past that now.

2. You contact your insurance and tell them about the accident. you go get quotes, she goes and gets quotes. and you just pay your excess and that will cover it all (that is if you have full cover otherwise, the excess will just pay for her damage and you have to pay for your own, which you already have done).

3. You dont have insurance and you have to pay the full amount for damage for her quote.

not 100% certaint, but pretty sure thats how it works.

[Wonky]

My mate is fixing my car for a carton of piss so thats no problems. Just this lady is going through insurance so ill have to pay excess for fixing her car hey or whats the go? Do i pay her excess or do i pay my excess or what? im so confused hey haha. I might just ask her to let my friends at the panel shop fix it... i dkno how it all works hey

You pay your insurance company your excess as they have to pay for the damage to her car given you are at fault - that's basically what insurance is all about.

Sorry, I'm a bit confused by your references to 3rd party insurance in relation to her 'injury' as we don't call it that down here - have you got full comprehensive insurance which covers her damage and yours or 3rd party insurance which only covers damage to other people's cars (third party cars)? Reading between the lines I guess you haven't got full comprehensive because if you did there is absolutely no point getting your mate to fix yours cheap - once you've made a claim it basically doesn't matter how much it's for and it will be cheaper for you to get yours fixed on the claim too - if you have full comp.

[nudenut]

Maddog, if you're not making a claim then forget about excess. You won't pay excess as you're not claiming, and she won't pay excess because (a) she's not at fault, and (b) you're paying for the repairs, not her insurance company. Excess is just a part of the costs passed on - if her insurance company isn't paying for anything, then they don't have costs to pass on.

Wonky, my take is that maddog has insurance but has chosen not to use it because he can get everything fixed - both cars - for less than the excess he'd be charged, and that the personal injury part is covered by CTP (which I'm pretty sure is right in WA, based on a friend's experience). Correct me if I'm wrong maddog.

[NuffNuff]

I had an accident last year rear ending some old asian mother at 5kph, popped the bumper out and it was fine, my VX had no damage on it at all. she claimed i did 4 grand worth of damage to her and my insurance company even after getting all of the photos at the scene from me paid her off, claimed she had a totally smashed rear end, new rear lights, boot lid, bumper and frame, plus labour was about 4 grand so i had to pay my 750 excess and have nothing at all fixed on my car or even hers. :vpo:

at first she didnt even go through the insurance, just sent me a letter direct from a debt collector

[Lokky]

I fortunately haven't this experience.

Maybe talk to your insurers and see exactly what her claims are. If they're not supportive or its sounding nasty get some legal advice.

Sounds like an ambulance chase lawyer is at work though.

[BruteSS]

Maddog, if you're not making a claim then forget about excess. You won't pay excess as you're not claiming, and she won't pay excess because (a) she's not at fault, and (b) you're paying for the repairs, not her insurance company. Excess is just a part of the costs passed on - if her insurance company isn't paying for anything, then they don't have costs to pass on.

Wonky, my take is that maddog has insurance but has chosen not to use it because he can get everything fixed - both cars - for less than the excess he'd be charged, and that the personal injury part is covered by CTP (which I'm pretty sure is right in WA, based on a friend's experience). Correct me if I'm wrong maddog.

If Maddog rearended her, she will be claiming against his insurance which will mean he will have to pay an excess. In doing that he may as well get his car fixed under insurance aswell at no further cost.

[Wonky]

If Maddog rearended her, she will be claiming against his insurance which will mean he will have to pay an excess. In doing that he may as well get his car fixed under insurance aswell at no further cost.

I thing madd0g needs to clarify to all of us whether he has full comprehensive or third party only insurance and how much the damage bill is for her car so we all know the situation exactly, otherwise we're all just shooting in the dark.

I must admit if someone damaged my car and asked me to take it to one of their mates to be fixed I'd be extremely unlikely to do so in case they did a shonky job.

[nudenut]

If Maddog rearended her, she will be claiming against his insurance which will mean he will have to pay an excess. In doing that he may as well get his car fixed under insurance aswell at no further cost.
He said that he's not making a claim with his insurance, just organising the repairs himself, so his insurance won't be involved (ie no excess on their side). She can't "claim against his insurance", he doesn't even have to disclose to her whether he's insured, let alone who his insurer is.

I'm not sure whether he's allowed to nominate the repairer for her car - it would probably depend on her insurer and their rules. If her insurer is happy to go with his choice, no worries, he gives his mate the carton of piss, her car gets fixed and all is sorted. If not, he'll end up having to pay the repairer nominated by her insurer for the total repair cost, not just her excess. Either way, excess is irrelevant.

Can't find any rules about that on the net, the best bet would be to ask the insurance ombudsman (http://www.insuranceombudsman.com.au/).

[Black_Utester]

All the rules of the Do's and Don'ts should be set in the Product Disclosure Statement for any one of the insurance products.

[Toddler78]

ok lets break this up to make it easier to understand.

Her injuries will be covered by Compulsary Third Party Insurance that we all pay when we register our cars (thats why it is important to register cars imagine how much dbt you would be in if not registered and hurt someone), this will be no out of pocket expense to you.

Re the damage on her car, the choice is hers she can either do a deal with you and get it fixed and you fix up the bill.
OR she can go through her insurance(which is what I would do), at this stage the insurance company decide where to get the car fixed and you pay the total cost. Now it is important to remember at this point that you pay the invoiced cost of the job not the quoted or estimated price. The real cost usually is higher then the quoted price as there may be further damage they cant see untill they remove the bumper, Ie the collision bar or other sheetmetal damage.

EDIT

OR if her car is a POS there is more then a better chance that she doesnt even have full comprehensive insurance in which case you can be a real prick and tell her to stick it, then the only recourse she will have would be to sue you which will get very expensive and drawn out and not likly an option to chase a few hundred dollars

Now you have 2 choices, get the quoted price(allow for a higher price) and either take the gamble and pay it out of your pocket

Or

And What I would do make a claim with your insurance company, YEs pay the $1500 excess but get her car AND your car fixed good as new. The problem I can see is if she is a scammer she is not going to be happy with the repair of her car, and the panel shop arnt going to do it for free and the insurance company have a scapegoat(you) so it could be ongoing costs that blow out. Your insrance company will have better bargining power then you.

[LS1Grange]

I had an accident last year rear ending some old asian mother at 5kph, popped the bumper out and it was fine, my VX had no damage on it at all. she claimed i did 4 grand worth of damage to her and my insurance company even after getting all of the photos at the scene from me paid her off, claimed she had a totally smashed rear end, new rear lights, boot lid, bumper and frame, plus labour was about 4 grand so i had to pay my 750 excess and have nothing at all fixed on my car or even hers. :vpo:

at first she didnt even go through the insurance, just sent me a letter direct from a debt collector

same things happened to the missus. Only damage to her car was a slight bend in the licence plate. Tiniest of dents in the toyota harlet she rear ended at a give way sign. When I saw the report the basically replaced the whole back end, lights decals stickers , the lot. I told the insurance place that and they didnt do anythign about it. Not insured with them anymore!!

[clubbie]

Maddog

I assume you were both comprehensively insured!!!!

Do a deal....all she wants is the cash. Offer her $400 cash to repair her car...that way she is not out of pocket by having to pay her own excess and she has $400 of your cash....and you are $1100 better off. Up it to $500 to do the deal....otherwise get your mate to fix it (if she agrees)....if she declines tell her to get in touch with her insurance and claim through them then she may have to pay an excess (or not at fault no excess). The let the insurance companies work it out. If you can chose a repairer...do a deal to recoup some of your excess by over quoting. Of course I would never condone any of this and it is only hypothetical.

Worth a try and $1000 bucks in your pocket.

Clubbie

BTW I accepted $1800 cheque from a freight company for damage to a door on my old wagon...excess on a 18 wheeler that hit me was $5k

[Wonky]

...that way she is not out of pocket by having to pay her own excess
Given he rearended her and is basically totally in the wrong she won't have to pay her excess, or even if she does to get things moving with her insurance company she will get it reimbursed.

[madd0g]

To clarify i do have full comp, and as far as i know my insurance company is not involved at all. Her insurance company rang me up asking for details and such so i take it they will be the ones sending me an invoice or whatever happens(thats what i have gavered up) but if it is crazy amount which i sure it will be seeing this girl is keen to take me for all i got haha then i will pay the excess and get my car done at the same time. It was 100% my fault im not denying that one bit, just dont feel she needed to go about the matter in this way which is dissapointing.

[LSavvy]

well went through my insurance papers and discovered if i lodge a claim i will be hit up with a grand total of $1550 exess alone. Do you know if you can request a panel shop to fix the car. My mate was telling me if you are paying for the damges you have the right to choose the panel shop. I have a mate who owns a shop and will do if for cheap.
Regards to 3rd party, I got a form from the 3rd party insurace people ( the rego insurance thingo.) for injury so that should cover that side of things. hopefully they will sort that out.


She's got the right to have her car repaired wherever she likes and if she wants to go through insurance for $50 damage (and cost you $1550)she is entitled to aswell, she sounds like she's shonky, so i would let her deal with an insurance company so she doesn't get her own way, if you got her address go down and take some photo's of the damage.

[Wonky]

To clarify i do have full comp, and as far as i know my insurance company is not involved at all. Her insurance company rang me up asking for details and such so i take it they will be the ones sending me an invoice or whatever happens(thats what i have gavered up) but if it is crazy amount which i sure it will be seeing this girl is keen to take me for all i got haha then i will pay the excess and get my car done at the same time. It was 100% my fault im not denying that one bit, just dont feel she needed to go about the matter in this way which is dissapointing.
OK, just hope it works out for you. I hate scam artists like that. Always want to go key their car afterwards just to "serve them right", not that I'd ever actually do it........

[clubbie]

Given he rearended her and is basically totally in the wrong she won't have to pay her excess, or even if she does to get things moving with her insurance company she will get it reimbursed.

Yeah Wonky...understand.... thats why the stuff in brackets was straight after my quote you quoted...and conveniently left off

(or not at fault no excess)

Don't let that get in the way of you correcting me though...appreciate it.

Wonky hope the quote comes out cheaper than the excess for you because if you claim now your premium is gonna go up next time you renew...so it's gonna hurt paying excess then down the track a higher premium.

Try talking to her...if it's no good then cop the excess and be done with it. Good luck buddy.

Clubbie

[Desertws6]

Maddog

I assume you were both comprehensively insured!!!!

Do a deal....all she wants is the cash. Offer her $400 cash to repair her car...that way she is not out of pocket by having to pay her own excess and she has $400 of your cash....and you are $1100 better off. Up it to $500 to do the deal....otherwise get your mate to fix it (if she agrees)....if she declines tell her to get in touch with her insurance and claim through them then she may have to pay an excess (or not at fault no excess). The let the insurance companies work it out. If you can chose a repairer...do a deal to recoup some of your excess by over quoting. Of course I would never condone any of this and it is only hypothetical.

Worth a try and $1000 bucks in your pocket.

Clubbie

BTW I accepted $1800 cheque from a freight company for damage to a door on my old wagon...excess on a 18 wheeler that hit me was $5k

Cash has a way of disappearing, protect yourself, use a cashiers check from a bank with her name on it, and you keep a copy of the check.
She could say that she never received money if cash is paid. Can't do that with a check, especially if you have a copy. She could try it, until the copy surfaces.

About 4 years ago, an old woman (83yrs.) pulled out right in front of me. Did everything I could to stop the car, lightly tagged her bumper. Called the coppers, she was pissed off. She wanted to leave, reminded her that that is a hit and run and I already have her plate number.
Cop showed up, she started in with that I was speeding and changing lanes, reckless driving etc,etc... I calmly explained the situation, cop asked if those where my skid marks, yes they are. I was honestly doing 35mph in a 40mph, impact speed was approx 2mph.
My response to the officer: I know that you can tell how fast a vehicle is traveling by the length of the skid. I do have a tape measure in the trunk, would you like me to hold the dumb end for you sir? Cop response: No I want to get you out of here as quickly as possible, she is about to get a ticket. I can tell when someone is lying to me, you may have hit her, but she was in the wrong. I received a check in mail for $650 for damages to my car. Just a minor scape on the bumper trim on a 15 year old car, put the money in the bank toward a new car. Her car was worse than mine, all the paint was off the right side of the bumper, looked like it had been painted several times.

I do hope everything works out OK!!

Cheers,
Steve:)

[LargeRice]

To clarify i do have full comp, and as far as i know my insurance company is not involved at all. Her insurance company rang me up asking for details and such so i take it they will be the ones sending me an invoice or whatever happens(thats what i have gavered up) but if it is crazy amount which i sure it will be seeing this girl is keen to take me for all i got haha then i will pay the excess and get my car done at the same time. It was 100% my fault im not denying that one bit, just dont feel she needed to go about the matter in this way which is dissapointing.


Her car may be worth $200 but if it's a Euro brand be prepared for a massive bill, even for a scratch.

Since she is going through her insurance, this still downgrades your rating whether you use your insurance or pay for it yourself. So don't think by paying from your own pocket to her insurance co that you are bypassing that step. You won't.

If there is some damage to your car just bite the bullet and pay the $1500 to relieve any headache's. With her making other claims, you will need some protection which is what your insurance is for. Use it.

[Wonky]

Since she is going through her insurance, this still downgrades your rating whether you use your insurance or pay for it yourself. So don't think by paying from your own pocket to her insurance co that you are bypassing that step. You won't.
Are you sure? :shock: I was always of the understanding that if you pay yourself, irrespective of whether directly to her or to her insurance company, then your rating won't change because you haven't made a claim on your insurance company.

Sure, it will count as an accident you have to declare if in the next few years you change insurers and then it will bite you on the bum, but not if you stay with the same insurer. I am sure they will only penalise you if you make a claim on them.

The other thing to point out if I am right is that unless you have a no claim bonus then making a claim not only costs you your excess but penalises you every year till you get down to rating 1! For example if you are currently on rating 3 and a claim takes you to rating 4 then next year instead of being rating 2 you are rating 4, the year after (assuming no further claims) you are rating 3 instead of rating 1, the year after rating 2 instead of rating 1.

Therefore, not only do you pay your excess but you can be paying much more for insurance for a number of years than you would have had you not made a claim.

[LargeRice]

[QUOTE=Wonky;1177304]Are you sure? :shock: I was always of the understanding that if you pay yourself, irrespective of whether directly to her or to her insurance company, then your rating won't change because you haven't made a claim on your insurance company.

Yep, 100% sure.

I thought exactly the same as you have stated until i had an accident. I paid a LOT of money to the other drivers insurance company. Next time i got a quote they included that incident. I told them i never made a claim and paid for it out of my own pocket. It didn't matter. It was logged as an incident so therefore is accounted for whether you use your insurance or not.

The only way to stop it being put on your record is to keep BOTH parties out of the insurance claim procedure.

[Wonky]

OK, thanks LargeRice. Good to know though I wonder whether it varies with different insurance companies because it's something I've not come across before. I'd always believed they would only up your rating if you had made an actual claim on them. Which insurance company was it?

[LargeRice]

It was GIO

[Wonky]

OK, thanks. I was with them for a while but never had that situation arise.