Help needed! Who should pay my car rental?

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      Eeples on 26/12/2019 - 22:04

      OP says it was a 40k car.

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        CMH on 26/12/2019 - 22:26

        I can tell you my car's worth 40k too.

        What I didn't tell you is that I bought that 5 years ago from a guy that had it for 5 years and the guy he bought it from paid $40k for it.

        So it's worth $40k in my eyes.

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          Eeples on 27/12/2019 - 02:50

          +1

          @CMH: It is what the OP said it was worth when comparing similar cars on carsales.

          But the point I’m making is if the max nrma are going to pay out is 5k or 10k and that was for repairs ………He may have done better not claiming but going to court.

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            CMH on 27/12/2019 - 04:21

            @Eeples: Totally missed the part he said comparing to carsales.

            Redbook is what insurers go with, and they will make a compelling argument. OP will have to show that cars like his will SELL at that price, not just advertised for it.

            Also, he will have to show that the car cannot be repaired for less, or that it's a statutory write off. "It will not be the same again" isn't good enough otherwise I'd be suing for a replacement car for every minor bump.

            OP could have gotten a couple of quotes, at least 2 to counter Bingle's possible argument that their workshops could have repaired it for less. Not legally required of course, feel free to rock up with just one.

            In any case, too late for OP, car has been sent for repairs.

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          illuSion on 29/12/2019 - 00:35

          @CMH: I paid 80K three years ago for this car, and I could find a few similar cars (same model, similar add-on, similar millage) on carsales listed around 45K-50K. That's why I think my car is worth around 40K.

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  smartazz104 on 26/12/2019 - 21:58

  +5

  Surely that $200 is nothing compared to the thousands you saved from not having comprehensive insurance though…

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    gimme on 27/12/2019 - 01:22

    Maybe but not the point.

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      o53djz7qTPY4der on 27/12/2019 - 08:03

      +1

      It's precisely the point.

      The OP made a financial decision to not get comprehensive. They have done this knowing that certain things will not be covered or be harder to recover.

      Due to not having comprehensive it's now the OPs responsibility to chase up the $200 or suck it up.

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        gimme on 27/12/2019 - 08:41

        -1

        You said it's precisely the point yet you concluded by saying he needs to chase it up which is exactly what he's doing.
        let me break it down. OP took a risk by not having comp insurance. I'd say suck it up if the accident had been his fault or other driver not insured and therefore the risk he took came true. BUT the accident was the other party's fault and he can therefore claim it from the other party's insurance. Pretty simple really. Despite the usual nonsense responses here, he will get his rental cost from Bingle. So whether it's 200 or not it's irrelevant

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          o53djz7qTPY4der on 27/12/2019 - 09:31

          @gimme: I don't disagree with you.

          I am simply saying, getting that $200 might be a little harder without comp as the OP has to do it himself.

          I guess what I am saying is, $200 is nothing. The energy, effort and time spent on chasing it up might not be worth it. It may be better to just write it off as an expense of not having comp.

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            gimme on 27/12/2019 - 14:30

            @o53djz7qTPY4der: Funny thing is that it's a 2 min job to send and email aling with receipts and he'll get reimbursed. But as it's all too common on Ozb and/or life people will overcimplicate simple transactions. On Ozb in particular it will turn into some soapbox opportunity for the self righteous.
            How do i know this? Because I've been in the exact situation and took me no time to sort it out.

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              illuSion on 29/12/2019 - 00:30

              @gimme: You can go on to Bingle's site and have a look yourself, unlike other insurers, it really hard to find their contact details on their website as they operate purely online.

              I am not trying to over-complicate things and thanks to some other Ozbargainers I now have their phone number, which no where you can find on their website.

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                gimme on 29/12/2019 - 08:39

                @illuSion: I'm aware. Wasn't referring to you but the general advice. Now you have an email address and phone so it should be pretty simple.

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  fozzie on 27/12/2019 - 06:19

  -1

  Well you chose not to pay for having a rental car with car insurance so you need to pay for it. It’s very clear when you sign up that if you want a rental car you need to pay extra and that’s even if you pay for comprehensive.

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    andyhui01 on 27/12/2019 - 12:58

    That's if you are at fault. OP wasn't at fault.

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  Ronthecrypto on 27/12/2019 - 08:11

  https://itwasntmyfault.com.au/

  it works as long as its not your fault

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  OzzyOzbourne on 27/12/2019 - 10:47

  You have 3rd party only on a $40k car?

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    CMH on 27/12/2019 - 20:45

    OP spent all their money on holidays and mobile phones.

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    illuSion on 29/12/2019 - 00:26

    I have had comprehensive insurance all my life, had to switch to 3rd party due to financial reason. I have been trying to avoid driving it while I was having 3rd party insurance, my wife normally drives and picks me up but she had to work in a different hour that day.

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  Insert2Coins on 27/12/2019 - 13:35

  I was just in an accident recently which i was not at fault and i want to share my 2 cents, i am not a professional in this manner but i want to shed some light on what i've done in this situation. You should never go out of your own way to hire a car without the help of your own or their insurance, as others have said you did this willingly and at your own cost without an agreement from either insurance company. In most cases, you are allowed a hire car for a specific duration from an insurer if you are not at fault or if your policy says so. In my case i claimed a 14 day car hire from Budget (for free) then i claimed a car hire from RACV (at fault party) for the remaining duration of my repairs. RACVs policy states you are entitled to a car hire for the full duration of the repair if you are not at fault and the at fault party is insured with RACV, Budget on the other hand only allows you 14 days max. Hope this helps..

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    CMH on 27/12/2019 - 14:16

    The at fault party is liable for car hire. If the repair took 3 months they are liable for 3 months.

    I'm betting the "free car" OP got is actually charged to Bingle in the repair bill. This is not uncommon.

    RACV or any other insurer can write up any policy they like for the 3rd party, but as they are not their client and have not agreed to any of their policies, these policies won't hold up in court when you sue them for costs.

    They are however very effective at intimidating people who don't know how it all works.

    Because of all these underhanded tactics I usually just go to the not-at-fault mobs.

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  whooah1979 on 27/12/2019 - 14:23

  This question comes up a few times a year. Here is one from last December.
  https://www.ozbargain.com.au/node/421811#comment-6683737

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  Richardc on 27/12/2019 - 17:47

  -1

  Letter of demand to the other party and ask them forward it to the insurance.

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  Diggins on 27/12/2019 - 19:28

  if you hired the car yourself and didnt go through a smash repair/panel beater. i dont think you will be able to get reimbursed

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  yjun355 on 27/12/2019 - 23:22

  OP, I was curious on the process of initial insurance claim. So, you got person car rego and contacted Bingle? DId other person need to tell Bingle that it was their fault? I have 3rd party only at moment. Thats why just want to know the process.

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    illuSion on 29/12/2019 - 00:21

    In my case, the at fault driver had to contact Bingle himself, then he provided me with a claim ref number, I then towed my car to a smash repairs near my place. I give them the claim number, and they took care of the claim process for me.

    But my advice would be get comprehensive insurance unless your car isn't worth much. I learnt from my mistake and got a comprehensive insurance right after I picked up my car.

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