Car Accident by My Fault

simprosimple on 14/02/2016 - 23:14
Last edited 14/02/2016 - 23:21

It's all my fault cause I didn't pay attention enough.

I hit into the car infront of me, then causing the car rammed straight into the back of car in front…

I have Third Party Insurance, anyone have idea how much will it cost to fix from pictures below? (it looks like just the bumper need to replace)

I need to pay $950 Excess Fee, which if cost approximately the same, Can I pay out of pocket and not to claim with insurance?

The Car I Hit
http://i65.tinypic.com/2aio9hx.jpg
http://i65.tinypic.com/nwxxkn.jpg
http://i64.tinypic.com/34sp00p.jpg

The Car At the front
http://i63.tinypic.com/16m12lz.jpg

Automotive

Comments

  • the-mal on 14/02/2016 - 23:25
    +4

    One car back bumper at the least, other car front and back bumper at the least. No way will it be less than your excess unless you have a smash repairer in the family.

    You'd also have to stop both of them from alerting their own insurance otherwise your insurance company may already know.

    Afraid I think you'll have to pay the excess and increased premiums for this one. Sorry!!

    • simprosimple on 14/02/2016 - 23:50

      Really?? I didn't know the bumper cost that much.

      I'm 24 and how long will this record keep for?? Will it affect all my car insurance the rest of my life?

      • mintysaurus on 14/02/2016 - 23:56

        I just helped my partner do insurance for his car. I think it'll affect you for 3 years but I could be wrong

      • the-mal on 15/02/2016 - 07:36
        +2

        3 large parts for new cars, ordered from the manufacturers, with fitting and spraying and paint matching etc. That's assuming the impact didn't bend any other panels (which it probably did, cars are built to crumple to absorb impact so the people inside them don't). It gets expensive fast.

        There's no "set limit" that insurance companies all agree to, but as @mintysaurus said your premiums will probably level out completely after 3 years of no claims. First year will be the worst, second not as bad, third year mostly back to the base rate.

        For one smallish claim it won't be an outrageous increase so don't stress too much.

  • Findo on 14/02/2016 - 23:50

    Tough luck there mate. It's up to those you hit to decide whether they would accept a cash job or to go through it properly with insurance. I think in most cases most would choose the insurance route simply because of the potential for hidden damage. Hopefully it's not too much an increase in your premium!

  • spackbace on 15/02/2016 - 01:41
    +1

    2 cars, 3 bumpers at a minimum. Yeah pay your excess, it won't be less than a grand that's for sure.

    Not to mention they have every right to claim a hire car while their car is getting repaired for an accident they didn't cause

  • captobvious on 15/02/2016 - 01:44

    I guess you didnt dodge that one. The nissan pulsar will be the cheapest to repair aslong as the boot didnt get pushed up.

    Defintely cost you more than your excess

  • StewBalls on 15/02/2016 - 06:42
    +7

    Tags: distracted by texting

    So you were texting whilst driving eh? If so, you should consider yourself lucky to getting off this lightly…

    • simprosimple on 15/02/2016 - 10:27
      +1

      Noooo… Not sure why it got that tag

  • [Deactivated] on 15/02/2016 - 10:34
    +1

    I was hit in the back a few months ago - less damage than this but it still needed a new bumper etc.

    The repair to my vehicle (BMW) alone were $2.5k + Hire Car costs of approx. $500. Total $3k.

  • Randxyz123 on 15/02/2016 - 10:39

    At least $950 per bumper per car so yeah pay your excess and possibly invest in a lesson or 2.

    You'll have increased premiums for the next probably 5 years.

  • akyeeeahdude on 15/02/2016 - 13:10

    For a decent respray of a bumper you are looking at at least $450 alone. You can find cheaper but it will be crap quality and won't repair any damage.

  • icyprincess on 22/02/2016 - 01:37

    Plus you will be up for the cost of replacing any child seats in the car too. They range around the $200-600 mark.

    • whooah1979 on 22/02/2016 - 05:44

      Does insurance also cover items inside the vehicle? E.g tools, clothing, foods.

      • icyprincess on 22/02/2016 - 12:30

        up to a certain point, yes. need to prove it was damaged in the accident or loss was due to accident.

  • maybeamacy on 22/02/2016 - 02:39

    I had my front bumper replaced recently during a not at fault accident. Other party had no insurance and had to pay $3.5k for the repairs out of pocket. Insurance gave me a hire car too, not sure if they had to pay for that.

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