Stone Has Come off Haulage Truck and Damaged Windscreen - Best Approach?

WilhelmBargo on 09/04/2020 - 13:54

Hi there fellow ozbargainers

This morning I was driving on M3 (VIC) where a haulage truck was in the lane next me slightly ahead. It should also be noted that the covers were not on the top of the trailers.

A stone has come off the vehicle into my windshield.

Options (as far as I'm aware are:
a) Call haulage company and ask for windshield replacement

b) Call my insurance (however I am on third party) and attempt to make a claim

Anyone had any similar experiences? Any advice/knowledge would be greatly appreciated

Automotive

Comments

  • Hybroid on 09/04/2020 - 13:55
    +1

    Do you have proof? If yes A, if no get windshield replacement on your own.

    • WilhelmBargo on 09/04/2020 - 14:15
      +1

      Called the truck haulage company and they said they have Cameras on the sides of their trucks - said he will review the footage and get back to me.

      So optimistically this may workout but pessimistically they could easily just pretend it didn't happen.

      • Blue Cat on 09/04/2020 - 15:55
        +16

        pessimistically they could easily just pretend it didn't happen.

        Not pessimistically, it's realistically what will happen.

        • WilhelmBargo on 10/04/2020 - 17:57

          It's a negative outlook hence pessimistic regardless of its likelihood

  • Slippery Fish on 09/04/2020 - 13:55
    +1

    You forgot an option. Buy a new windshield

    • [Deactivated] on 09/04/2020 - 15:32

      In this economy?

      • brendanm on 09/04/2020 - 16:22

        Maybe just use sticky tape over the cracked bit.

        • [Deactivated] on 09/04/2020 - 16:32
          -1

          Ain't no stronger bond than Scotchbond.

  • wiipantz on 09/04/2020 - 14:00

    Why not do both, then report back on your findings?

  • Hithere on 09/04/2020 - 14:02
    +1

    If you have photos to prove your claim you might stand a chance but I doubt it.

    I had a large stone come off a truck in front of me hitting my bonnet and putting a deep scratch into the paintwork.

    The driver denied it and I didn't have any proof it was him so I ended up having to fix the damage myself.

    I now have a dash cam installed.

    • WilhelmBargo on 09/04/2020 - 14:05

      Yes I am going to purchase a Dash Cam ASAP - any recommendations?

      • oscargamer on 09/04/2020 - 17:43
        +1

        Get the one with a flux capacitor, to make sure you get footage of that rogue stone in action :)

  • Hithere on 09/04/2020 - 14:07
    +1

    Depends on how deep your pockets are, however get one with a capacitor not battery powered. It'll last longer.

    • WilhelmBargo on 09/04/2020 - 14:10
      +1

      hmm i would say $200-$250 I'll get researching

  • SnoozeAndLose on 09/04/2020 - 14:10
    -4

    join comprehensive insurance with no claim windscreen cover then claim it under your insurance.

    • WilhelmBargo on 09/04/2020 - 14:13
      -1

      not a bad idea haha

    • geech on 09/04/2020 - 14:31
      +7

      And then come back here and complain insurance is too expensive because of all the people committing insurance fraud

      • dcep on 09/04/2020 - 14:57

        nah, there should be rebate from insurance premium considering we're now limited to essential travels only

  • GangGang on 09/04/2020 - 14:55
    -2

    You could just add the windscreen option on your insurance, claim for replacement. It's cheaper.

    • WilhelmBargo on 09/04/2020 - 15:01
      +1

      Is that fraudulent

      • Blue Cat on 09/04/2020 - 15:56
        -1

        Only if you get caught.

  • [Deactivated] on 09/04/2020 - 16:16

    If you don't get anywhere with the haulage truck company, check your Roadside Assistance membership inclusions. I'm in NSW & mine covers one windscreen chip repair or save 30% off windscreen replacements.

  • JimmyF on 09/04/2020 - 16:19

    a) Call haulage company and ask for windshield replacement

    Do you have dashcam showing the store chipping the window? If not, its just hearsay

    b) Call my insurance (however I am on third party) and attempt to make a claim

    As above, but also with 3rd party the insurance will just laugh at you. You need full comp for them to do that

    You forgot option C, replace your own windscreen and buy a dashcam.

    • Supreme Intelligence on 09/04/2020 - 18:41

      Really just relying on the truck companies' honesty at this point

      Yep third party said the only way is that the other party doesn't have insurance which a company obviously will.

      Obviously trying to avoid option C) hence this post and the omission

      • JimmyF on 09/04/2020 - 19:44
        +1

        You do realise you have logged in with a different account and now replying to everyone :)

        • Downvoter on 09/04/2020 - 23:18
          +2

          Multiple accounts. Loves a bit of fraud action. I’d say he’ll just do the dodgy sign up insurance and claim windscreen damage.

        • WilhelmBargo on 10/04/2020 - 00:43
          +1

          Yeah thanks for reporting

  • WreckTangle on 09/04/2020 - 19:19

    What’s the M3? Eastlink?

  • brad1-8tsi on 10/04/2020 - 00:58

    Yes, had it happen to me twice on the M5. Unless you have video evidence you don't stand a chance. Unfortunately there are too many dishonest people out there that have made false claims.

    You can claim insurance if you think it will be lots more than your excess.

    My first one cost me $400. After that I paid the $20 extra for free windscreen replacement.

    • Euphemistic on 10/04/2020 - 05:58

      I have never paid for windscreen replacement insurance. Only once needed a windscreen replaced, neighbours kid threw a massive rock and the parents left me a note and paid to replace it. Over 20 years of driving so I’m ahead without the extra premium.

      • brad1-8tsi on 13/04/2020 - 18:57

        3 in the last 10 years.

        Nothing in the 30 years before that

  • Chris Topher on 10/04/2020 - 13:44

    I did see years ago that windscreen damage was accepted as fair risk for all road users. e.g. hit a bird breaking windshield. Loose stones flicked up by other vehicles comes into this.

    If fault, for example by unsecured load, careless driving causing damage, etc., can be proved it's a civil matter to be settled by both or all parties involved.

  • Downvoter on 10/04/2020 - 17:07

    Ghost account gooooone

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