So someone I know rolled their (company's) brand new(ish) Hilux
Found out a few days later that the comprehensive car insurance has lapsed (>30days)
What can be done?
Worker's comp only covers medical expenses, does it cover physical assets?
Can they salvage any money?
Deets: Company is a small company, was driving from one company estate to another in the countryside
He tried to avoid a roo & rolled. No injuries
2017 Hilux, Probably $50k-ish?
TIA OZBs
I did tell him to get the roo to cough up, but he said he jumped away
I guess he was hopping mad also …. sorry couldn’t help it lol
Identical to the police report
That was from an actual police report ;)
Well the Roo can't help you,
Woah there slow down with the assumptions - maybe the roo has comprehensive?
You'd be hopping mad if he didn't.
Popcorn, popcorn, get your popcorn!
2017 Hilux, Probably $50k-ish?
Don't you own the same model car? 😛
Spackbace, you have such a keen mind. The rolled vehicle is actually the same colour as mine :D but it's a hilux & I went with the Ranger:)
I went with the Ranger:)
It's ok, we all make mistakes :P
No!!! It's always the "friend", mmmkay? LOL
I'll bet he's really sad he doesn't get be like James bond with a smoke screen every time he accelerates 😉😂
Could be worse, could be smoke from the Ranger catching fire ;)
It took ford two months to own that fault and six to offer a free fix. Didn't it take Toyota 18 months to recognise their DPF issue which was standing people in the bush, and their solution was for their clients to buy the fixed refresh?
Doesn't everyone? Isn't the Hilux the top seller?
yeah you can always spot them on the highway, blowing smoke from their tailpipes cause of the dodgy DPF's
Hilux is the top fleet seller, but Ranger is the better private seller?
E: apparently thats not true, but its really hard to tie this one due to how they calculate 'private' sales.
Nah, you're probably pretty close to being on the money. Toyota are where Holden were a few years ago. Holden was propped up by all the fleet sales. Once those dried up/moved on, it showed where Holden really were.
Fleet sales just moved onto Toyota and this is reflected in them being the current market leader. Once they take those fleet sales off them, they would be a much more realistic placement of where Toyota sits. I still think Toyota would be top of the pile, but not by the huge margin they are with the underpinning of their massive fleet sales.
I still think the Hilux outsells the Ranger, but if fleet sales were taken out, it would be a few hundred vehicles in it, not a few thousand…
@pegaxs: Where I was looking, if you take out commercial sales (does fleet = commercial or is fleet only large quantities vs sole trader type sales), then the winner for private sales is something like Mazda.
Also, I love that you're keeping tabs on me :P
😘
He's a bit of a creeper, always commenting on the size of my, well, you know.
I know it's amazing how something so small can amuse me so much!
OP…what are you hoping for when asking what can be done?
Reason and logic would suggest one cannot claim against non-existent insurance, within 14 days grace maybe but not 30+
f'ing days.
You cannot claim against the Roo, he is not a legal entity nor is he insured.
If I were the small business owner, I would talk to the person responsible for insurance renewals the mirror.
I'm actually on the employer side, but I like the lad so was hoping to find a way to ease the tension in the office.
Ease the tension by putting the heat back on the employer because it's their fault for letting the insurance lapse.
Also, unfortunately, another employee technically "at fault" as they had technically let it lapse..
@tingleping: What if that same employee forgot to pay the rego? Then there's no insurance for the occupants. It's borderline negligence.
@tingleping: Technically the boss is at fault for not implementing an effective system to ensure this didn't happen :P
Can they salvage any money?
They can sell for parts/scrap
This was what I was thinking, but not sure on the best way, is selling the vehicle as a whole better or part by part?
You can make quite a bit of money selling a car part-by-part. The reason a lot of people don't is that listing the parts for sale, dismantling, packing, and shipping each part is time and labour intensive, and it can take years to sell all the parts off.
If its repairable then it wont be on the WOVR if you sell privately without making an insurance claim. So it will could be worth slightly more than a proper writeoff.
And here we go again!!!!!!!
I know, first thing I said when I heard about the crash was to call the insurance co.
50k company car and no comprehensive insurance?
Oversight with one of the admin girls unfortunately ):
Over 30+ nights with no insurance.. wtf
Your explanation could use a little work.
Who owns the car? Him or the Company? Who losses money in this accident?
Assuming its leased, who makes the repayments and who was responsible for renewing the insurance?
If your lucky this might come under some general liability policy held by the company - if they have a decent broker and company cars out and about attending jobs they should have this insurance.
Company owned car, but it's a small family company so was hoping to help find some avenues so they're not losing out completely.
Car was bought outright.
The company has a million different types of insurance but not sure which one to try look at. Thanks for the tip, will get them to ask the broker & check GL policy
So someone I know…
You say hi to him in the mirror every morning, right? 🤭
haha.. why does everyone think I'm a boy
Prove you're not! 😋
Settle down, boy. She has a husband.
"haha.. why does everyone think I'm a boy?"
I know..it's infuriating..how many years has this been drilled into society?
Oh..and the roo was also assumed to be a "He".
Could have been a wallaby.
(I am a He, but neither a roo nor a wallaby).
Which insurer? Nrma just keeps on renewing, even if you don't respond to nrma. As long as your credit card hasn't expired.
That's what I said, I got the girl that usually does it to call the normal insurance Co. that they use & check & she said no dice. I'm heading to the fact that the car is probably uninsured
I am surprised. There is normally a grace period to renew. I would ask again about their grace period policy.
They’d be more than happy to renew a bit late except if they do this time it’s going to cost them $50k
Not in my experience. We were luckily on the other side of the situation where someone hit our car. I rang NRMA and they said we hadn't been insured for a year. Gave me a huge fright.
I know it is a top seller but the Hilux is a dangerous vehicle. I remember seeing a German ute comparison where the Hilux was prone to rolling when doing an emergency swerve.
There's a reason why they're dubbed Rolluxes
But it's unbreakable as proven by Top Gear.
Moose test….is there a roo test
Worker's comp only covers medical expenses, does it cover physical assets?
Nope.
Can they salvage any money?
Sell car for parts. I'm sure there's a few hundred bucks worth of salvage.
I'm hoping it's more than a few hundo. He told me they just replaced the tyres for $1000+ !
The tires would devalue immediately after use.
Then there's labour cost to salvage.
In the best case scenario, you may have a few expensive parts in good condition, ie engine block if it wasn't a front end collision. If that's the case, maybe you'll get a couple thousand.
It does cover some property like clothing and prosthetics but not Hiluxes.
You can always pay back the employer through workers comp.. here's a how-to.. https://youtu.be/HlvUFQwCylE?t=75
company vehicle which is uninsured, not your mates issue, companies issue as far as car is concerned.
Yeah, it's hard when it's a small family business & both sides are good people
Reading in-between the lines, employer is your Dad and the friend is your brother-in-law? 🤨 Please tell me I'm wrong.
Boom de gasa. den crashded da boss's hilux XD
It is the company's problem. They let the insurance lapse.
Your friend might not receive the usual warm welcome every morning now.. start looking for another job.
Yeah, I told him he won't be employee of the month for a while..
It's hardly his fault a roo jumped out in front
You've said it was a company car, using it for company business…It's up to the company to sort out, either pay to repair or write off. Your friend should get his medical expenses covered by workers comp (as you have said), so I don't think there's anything more for the friend to do, it's all up to the business.
Did the Hilux have a BullBar.
What's that got to do with anything? A roo can still destroy a bull bar
I don't know why people are downvoting you, I brought it up one.
I don't think people have seen what a big red can do, or even a big male grey.
I've hit smaller greys in a Landcruiser, and sure the bullbar takes them, but some of the big ones are carnage.
Its safer hitting it than swerving. But nothing you can do about human reactions
Yep, I told him he should have put his foot down :P
So someone I know rolled their (company's) brand new(ish) Hilux
Found out a few days later that the comprehensive car insurance has lapsed (>30days)
He tried to avoid a roo & rolled. No injuries
What can be done?
Not their fault if the insurance had lapsed, thats a 'company' issue now and not the employees issue if they did as you said, driving on work time between sites and rolled the hilux avoiding a roo.
Its a company live and learn lesson.
Thanks guys, obviously it would (HAVE BEEN) great if the car was insured, that the roo never appeared, that my friend wasn't driving in the country at sundown etc. But it's just a shitty situation.
I have told the company that if they wanted to salvage any $ they can sell the car/parts. But I have no idea how to do that.. (never written a car off/not had insurance - I'm a pansy that way)
If anyone has tips on what sort of steps to take - please teach me. I feel like there are a lot of life lessons that were not taught to me in school - including what to do in case of accident. The car is currently in the tow truck yard/person/garden>?
generally in the case of an accident you call your insurer…
thanks Sherlock
Honestly, I don't think there was a 'Roo'……
The vehicle should be a write off for tax purposes (if not claimed already. The replacement should also be a full tax write off under the latest rules.
Expensive lesson for the company. Lucky the employee isn't claiming workers comp.
edit: maybe up your risk assesment / driving policy. We were averaging 1 roo strike a week. Now we aren't allowed to drive for an hour after sun up and an hour before sundown. It's a pain but we've hit less wildlife.
Thanks Brad, I didn't even think of tax wise, I'll let them know. I feel like no driving near sun up & down would not be feasible in their industry. But who knows!
We've got 100+ cars west of the range and we tend to start at 07:00 so it's not always feasible for us either if it's an urgent job. Sometimes you leave a bit earlier and drive a bit slower. A lot of our own sites we clear low shrubs up to 30 metres back from the road. It gives good visibility and makes a good firebreak (but attracts more kangaroos but you can see them). I think the main thing is an awareness that hazards change throughout the day.
We had one dingbat on the metro side of the business that wrote into the SWMS that if you saw a kangaroo you had to stop and wait for it to hop away. Sat there for 45 minutes one day. It was lovely in the AC :-)
Lucky the employee isn't claiming workers comp.
But that would be covered by the company's wc insurance, that wouldn't affect the company financially would it?
that wouldn't affect the company financially would it?
It does, but if they have paid their workers Como premium then it will be covered under the insurance. Any incident is likely to increase premiums or cost in additional safety measures to be implemented.
Yes it is covered by the WC insurance but my impression (possibly wrong) is that there's a certain level of blame being directed at the driver by the company.
I'm just saying (badly) that things could be a whole lot worse than a broken car with no comprehensive insurance.
How bad is the damage? Wrecking it for parts takes time no effort but will get the best monetary reward. Individual pets will add up to more than the whole vehicle.
Perhaps sending to a salvage auction will get the best dollar value for the compete wreck without the work. That’s what the insurance co would do if it’s not worth repairing.
Thanks @Euphemistic, didn’t know there was so much work behind. I’ll let them know to call around & decide which opt is worthwhile
Move the ute inside a work building, drop something really heavy on it, a load of pallet racking for example.
Claim from building and contents insurance.
^ but don't really because im joking & its dangerous and insurance fraud.
Well the Roo can't help you, and the insurance wasn't paid, so…
Also, any MS Paint diagram?