Car Accident - Need Advice (Have No Insurance)

Linvader992 on 17/02/2020 - 20:55
Last edited 18/02/2020 - 10:18 by 1 other user

HI guys

Hope everyone is in good health. I need some honest advice as i am stuck in between some unlucky circumstances. i borrowed my friend's car and had a minor accident with someone on the road. It was my fault, the damage was not much, nothing happened to my car and the other car had the paint off from the bumper which was hardly noticeable.i probably hit him at 30 km/h. Even the bumper didn't lose its clips or anything.
Now the problem is , the other person claimed through his insurance and the car i was driving didn't had insurance. I got a call today from AAMi insurance to pay the car i had accident with, its a astra 2005. The insurance company made it a write-off. The problem now is they want me to pay 4500$. which is way too much?!
AAMI insurance claims its expensive to repair the car and that is why they write it off. I have a video proof of the accident site and i took the video for this sake because i know the insurance can be dodgy. My self i am a car lover, and i know what is write off and how this works. I am not familiar with the insurances companies policies. In the report they also claimed the car has light rear damage and wobbling. Now this wobbling is added on top which has nothing to do with the car accident.

My question is how do i deal with this situation? Can i take them to court? how can i save some money on this matter.

Automotive

Comments

    • Zondor on 21/02/2020 - 13:48

      "It's funny how you think you have the right to know what you're paying for"
      Yes, they do have a right to know what expenses they are responsible for, and a breakdown of such.

  • dtxau on 20/02/2020 - 22:24

    Where you at OP?

  • Cave Fire on 21/02/2020 - 10:23

    Was not at fault in a claim and still got sent a letter of demand. The other party ran into the back of my dad's car. That person probably made up a story and got their insurer to send the demand to him. Some people will pay as they don't know any better. I would suggest the OP gets their demand sent in writing as a first step.

  • PerthectDeal on 21/02/2020 - 17:01

    Just going to say someone hit our Mazda while parking few kph impact. Bumper mark and just marked metal rear quarter.

    Damage was very small and would not notice from a distance.
    The other party were saying they would not use insurance and pay.
    We wanted the car to look as it did before the accident, 3 quotes all around $1500!!
    So they used insurance.
    So it is an expensive exercise repairing cars once you look at labour, stripping down, paint coat repainting, etc and this was just a Mazda..

  • kizashi on 23/02/2020 - 03:15
    +1

    Go to a free legal service and get some advice. ie if live in Mellbourne - Fitzroy Legal Service. ABC Melbourne have a talkback lawyer on every 10-10.30 on the radio that gives advice for callers also. I am sure there will be similar alternatives if you live elsewhere if you go a google.

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