SGIC Car Insurance claim not providing rental car

CI on 11/06/2019 - 16:26

Hi guys,
I had a car accident last week.
I have comprehensive insurance with SGIC and I had opted out of the rental car cover.
The other party was at fault, and their insurance is Allianz - SGIC is saying speak to Allianz for rental car, Allianz is saying your insurance company (SGIC) needs to speak to us.

I have no idea what to do, it's been a headache of a week, I am catching Uber, Bus at my own cost due to having no car - in addition to bruises sustained during the accident - I am not after compensation for that or to sue anyone - I just need a car till right off claim is paid out so I can buy another car.

Can someone please advice what to do - I have no idea who to contact now since both SGIC and ALLIANZ are not helping.
I have Claim no. SGIC and of the other party ALLIANZ.

Automotive

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Comments

  • toniyellow on 11/06/2019 - 16:45
    +3

    Google "not at fault car hire" and there are a bunch of places that will do this for you

    I believe the "catch" is that if it turns out you are a fault, they will charge you an outrageous amount for car hire you could have organised yourself for cheaper.

    There was a discussion about it here https://www.ozbargain.com.au/node/449123

    • Randxyz123 on 11/06/2019 - 23:11
      +1

      The catch is if the other party won’t pay you’ll be paying $250 a day for a corolla…

      Call their insurance back. Ask what car hire company I should go to or I’ll just go to right2drive.

      What their insurance is saying is correct but they might just give in if you phrase it properly.

  • Meho2026 on 11/06/2019 - 17:07
    +1

    In a not at fault incident some insurers do provide a hire car even if you opted out of that cover but SGIC doesnt, except in theft.

    Its in the PDS "If a theft or attempted theft, we cover causes loss or damage to your vehicle and if you need a hire car. If you want us to provide a hire car after any other incident we cover, then you can take out the optional cover ‘Hire car’"

    Youre only option is following toniyellow advice and using a company like https://www.notmyfault.com.au/
    The risk being, if they cant recover the money from the other drivers insurance they will come after you for it.

  • askme69 on 11/06/2019 - 17:43
    +1

    The smash repairs have deals with companies who do this. When you take your car in for a quote, they'll hand you a pamphlet.

  • Seraphin7 on 11/06/2019 - 17:45
    +6

    I have comprehensive insurance with SGIC and I had opted out of the rental car cover

    !!!

    • CI on 11/06/2019 - 20:09

      That's for scenario when I am at fault - I am not at fault !

      • kerfuffle on 11/06/2019 - 20:11

        I've been not at fault four times, have comprehensive car cover and always had a hire car during those four repairs, but only because I had the option ticked (I'm with NRMA)

        • Elppa8 on 12/06/2019 - 09:01
          +1

          NRMA offered and provided a car for my not at fault incident early last year without the option ticked and after other party advised they had no insurance.

          • ol mate on 12/06/2019 - 09:36
            +2

            @Elppa8: NRMA updated their policy a while back to include free hire car after not-at-fault accident - they also made choice of repairer a paid option at the same time.

  • benwaffle on 11/06/2019 - 21:26
    +1

    You are covered for the reasonable use of a hire car if you are not at fault. They call it demurrage in legal speak.
    https://mva.financialrights.org.au/dtop/the-other-driver-is-…

    • nith265 on 13/06/2019 - 11:11

      This is the correct answer.

      Car hire is a standard cost that you can recover from the at fault party. You don’t have to get their approval, just do it and document all of your costs.

      If your policy doesn’t include them paying for car hire you’ll have to pay for it now and recover it later. Tell SGIC you’re doing it and make sure they tell ALLIANZ so they know they’ll have to include it in the payout figure.

      or as @olmate/@taoz suggests below, making mention of right2drive might also make the previously impossible become possible.

  • taoz on 11/06/2019 - 23:02
    +1

    https://www.right2drive.com.au/

  • ol mate on 11/06/2019 - 23:24
    +1

    Call Allianz again and ask for a rental car. If they refuse again, let them know you'll be using right2drive, etc. This usually gets you a rental car (they aren't interested in paying $130/day for a corolla with excess reduction when they can provide it for $40/day via their corporate contract)

    In saying that, if the other party hasn't claimed, then obviously they won't provide - I've had the other party decide to see what the total was first before claiming (And thus their insurer wasn't willing to provide a car), and their insurer eventually ended up paying a $4,000 bill for a month in an i30.

    • mubd1234 on 13/06/2019 - 16:55

      Yup, the threat of Right2Drive et al is definitely enough to scare the pants off a car insurer. I ended up using my Right2Drive car to go on a road trip to visit relatives (which I was planning to do before the car accident)…they ended up having to pay an excess kilometre fee to boot, and I got a call from NRMA (the at-fault's insurance) asking if I'd used the car for business use!

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