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| Thread ID: 102199 | 2009-08-11 01:35:00 | Insurance question | beetle (243) | PC World Chat |
| Post ID | Timestamp | Content | User | ||
| 800060 | 2009-08-11 01:35:00 | Ok this is to do with car insurance . A area that is way out of my knowledge field . :D had a car accident in the weekend . not my fault and also nobody hurt, but it wrote the other car off, and damaged mine bad enough to need a bit of panel beating . . . . . . . . . . . . once they sorce the needed parts . being an american version of a jeep means parts need to most likely be imported . what i was wondering, was since it wasnt my fault i have been told i dont have to pay excess and i dont incur a claim thing on my record . . . . is this true? and since the other person did have insurance and their vehicle has been written off, he will have to pay excess for his vehicle . ? does that mean he has to pay mine as well? and i presume they will have a claim thing stuck on there records? the vehicles involved were both 4WD and mine is still drivable, but his is totally munted . . . . . . . . . . . lol and yes i had the kids on board, and they handled the shock real well . . . . . . . . . . . . i am sorta mistified why i dont have to pay a excess even tho i was involved in a accident i thought it was the norm for any accident . . . . . . . . . but maybe i have been wrong about this all along . all answers appreciated, and the mystery will be solved . and i await the lovely panelbeaters call to fix my beloved baby jeep . :) beetle |
beetle (243) | ||
| 800061 | 2009-08-11 01:45:00 | If you're not at fault and the other person has full insurance cover, you should get off scot free (normally). If the other person doesn't have cover that's when things can get a little interesting, but normally if you're not at fault you don't have to worry about anything. My dad was rear ended a while back, had to pay excess but after 8 months or so got refunded by his insurance company as they managed to get the excess off the insurance company the driver of the car that rear ended him was insured with. |
wratterus (105) | ||
| 800062 | 2009-08-11 02:31:00 | Ok this is to do with car insurance . A area that is way out of my knowledge field . :D had a car accident in the weekend . not my fault and also nobody hurt, but it wrote the other car off, and damaged mine bad enough to need a bit of panel beating . . . . . . . . . . . . once they sorce the needed parts . being an american version of a jeep means parts need to most likely be imported . what i was wondering, was since it wasnt my fault i have been told i dont have to pay excess and i dont incur a claim thing on my record . . . . is this true ? and since the other person did have insurance and their vehicle has been written off, he will have to pay excess for his vehicle . ? does that mean he has to pay mine as well ? and i presume they will have a claim thing stuck on there records ? the vehicles involved were both 4WD and mine is still drivable, but his is totally munted . . . . . . . . . . . lol and yes i had the kids on board, and they handled the shock real well . . . . . . . . . . . . i am sorta mistified why i dont have to pay a excess even tho i was involved in a accident i thought it was the norm for any accident . . . . . . . . . but maybe i have been wrong about this all along . all answers appreciated, and the mystery will be solved . and i await the lovely panelbeaters call to fix my beloved baby jeep . :) beetle I had a similar problem . Something fell off another vehicle and hit mine, as I was following him . I got all the details and the insurance comapny said I would need to make a police report, as the other vehicle refused to pull over when I flashed my lights and honked my horn to pull over . The police contacted the other driver, as I recorded the rego, and warned them that carrying unsecured loads was an offence, but they only warned him, and did not charge the driver . I had to pay the excess to the repair agent, and the insurance company were apparently going to chase up the other driver to recover the costs, and apparently I would get a refund . However when I followed the insurance company up, they said that they haven't been able to contact the other driver . As yet no refund, and nearly 2 months later . My insurance company advertise that you don't have to pay the excess on their website, if it isn't your fault and the other driver is identified, so really they have no choice but to refund the excess . |
robbyp (2751) | ||
| 800063 | 2009-08-11 03:01:00 | Ok this is to do with car insurance. A area that is way out of my knowledge field. :D what i was wondering, was since it wasnt my fault i have been told i dont have to pay excess and i dont incur a claim thing on my record....is this true ? and since the other person did have insurance and their vehicle has been written off, he will have to pay excess for his vehicle. ? does that mean he has to pay mine as well ? and i presume they will have a claim thing stuck on there records ? i am sorta mistified why i dont have to pay a excess even tho i was involved in a accident i thought it was the norm for any accident......... but maybe i have been wrong about this all along. Did your insurance company tell you this ? You have contacted them ? Their usual wording is that your excess is refunded if they are satisfied that you are completely free of blame (which is not always easy unless somebody hit your parked car) and you have the other parties details. It may not affect you no claim bonus but probably still counts as a claim. You should check this if applying for other insurance. |
PaulD (232) | ||
| 800064 | 2009-08-11 03:26:00 | In a nut-shell,all motor polices have an excess that is payable in the event that you make a claim on your policy for your damage. Now, in the event that a third party is involved and they are at fault, and they are insured also, normally the two insurance companies will discuss between themselves who is deemed to be at fault. In the event that the third party is at fault, usually your excess will be waived by your insurance company. Should the third party be uninsured, you will need to pay your excess generally to the repairer and your inurance company will endeavour to recover all of the loss from the third party and then refund your excess to you. I wouldn't worry too much about having a claims record, it really means nothing unless you clock up several at fault claims. |
Bryan (147) | ||
| 800065 | 2009-08-11 05:36:00 | since it wasnt my fault i dont have to pay excess and i dont incur a claim thing on my record True. Depends on your company and specific policy. Shouldn't though. |
pctek (84) | ||
| 800066 | 2009-08-11 11:06:00 | What you end up paying for is dependent entirely on the circumstances and the policies and attitude of your insurance company. If you are totally blameless then you should not pay any excess at all, but some companies expect it to be paid up-front and refund it (much) later once they are certain it wasn't your fault. I just had a 4WD make a right turn into my rear bumper while I was stopped at a pedestrian crossing to let an elderly woman cross. He didn't think I was going to stop at the crossing and turned right into a carpark entrance that I was blocking. The other driver was very difficult and tried to deny responsibility, attack being the best form of defence in his view. I am with AMI and the whole job was fixed inside of a week, no excess paid, free loan vehicle. Not all Insurance Companies or Panelbeaters are that good. Cheers Billy 8-{) |
Billy T (70) | ||
| 800067 | 2009-08-11 21:49:00 | About 1995 I had my parked car side swipped by another coming round a corner. I was not there at the time and wandered what the police were doing at my car when I came back. Lucky for me some people in a shop witnessed what had happened and got the cars number plate. The police pulled him up about 20 mins later on the other side of town. He was insured with the same company as me but had to pay the excess to get my car back, which was refunded later on. I was without a car for about 6 weeks and had to rely on friends to get around. :) |
Trev (427) | ||
| 800068 | 2009-08-12 00:17:00 | When both parties are insured with the same company decisions on who pays what is a lot more clear-cut. Trev mentioned an incident involving the same company. Their policies (no pun intended) have probably changed over the years. Those questions you posted here beetle, should go to your insurance company. I'm sorry about your accident, apart from shattered nerves, I hope you are okay. |
Marnie (4574) | ||
| 800069 | 2009-08-12 01:00:00 | Hey I just noticed I used wandered instead of wondered. :) |
Trev (427) | ||
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