Car Accident - Not at Fault Driver but Only Have Third Party Insurance

tomleonhart on 27/12/2014 - 20:27

Hi guys,

I just got involved in a car incident today, can i get some advice please.

Long story short, I was driving up a ramp in a car park. When i got to the top of the ramp (not yet clear of the ramp), the driver in front stopped and backed up into my car(the gap between us was approx 1.5 car length in, horned her twice but she didn't stop), created quite a good dent on the hood result in the hood can't be opened.

As a person whom never been involved in an accident before, we moved the cars clear of the ramp to let traffic flows and I got her details, registration etc etc. She had NRMA comprehensive insurance.

I got home and did some research. Apparently if I don't have comprehensive insurance (I only have third party) and if I didn't get any witnesses details, she can just turn around and deny her being at fault.

My insurance company already told me to eff off, they asked me to call NRMA to "lodge" the claim.

I'm just wondering what I should do next? Also I'm buying comprehensive insurance from next year onward.

Automotive

Comments

      • evo7 on 17/06/2015 - 14:18

        hi, just wondering may I know the sample letter of demand that you said?
        and maybe that's the last hope I have, if she ignoring that letter can I report her to the police?
        as she doesn't want to cooperate at all.

        • tomleonhart on 17/06/2015 - 14:22

          just google it that's what i did.

          You will have to take her to court if she doesn't response within your specified time frame.

          Some people said report her to police will help in court if it proceeds to that stage.

  • wildstone on 22/12/2017 - 19:20

    Hi there, reviving this discussion…

    I read in the OP that if you only have TPP, you insurer will say that they cannot help you and ask you to call the other insurer, but how can you make a claim on behalf of the other driver's policy? Wouldn't the other driver need to call up and make a claim?

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