A guy hit my car with his towing trailer. Now the trailer does not have third party insurance. I have comprehensive insurance. What are my options to get the car fixed through insurance. I have all the details of the other driver. If I pay the excess for my car, would that impact my claims rating or premiums? Thanks
Car Hit by Uninsured Towing Trailer
DiLs on 09/11/2020 - 17:30
Comments
I don't know why someone negged you. It's a perfectly reasonably response.
Two clowns negged. I don't get why there's a bit of the unjustified negging mentality. It is sort of bullying people into not helping.
I think those negs would be from persons who don't like to be told to have personal responsibility .
It's upto three negs now. Let's see, can we get fourth?
You got negged for your comment đ. + to bring it to positive side.
Not at fault so it wouldn't impact your future premiums. Let your insurance company deal with it after providing them the info and other party's details.
Actually, it would.
Most insurers can and will increase the premium as soon as a claim is made. Just because a claim does not attract an excess does not mean the premium goes unchanged.
Personally I've never seen a significant change in my premiums after making a claim and you could always go elsewhere if it happened.
I prefer to use my insurance and be done with it rather than wasting my time and increasing my stress levels having to chase people myself to get them to pay.
would that impact my claims rating or premiums?
Most insurers ask for 3-5years of claims history (including not-at-fault claims). This invariably affects your premium.
You might have to shop for a new insurer - one that doesn't penalize you for not-at-fault claims.
What are my options to get the car fixed through insurance
Your PDS/insurance doesn't tell you how and what you need to make a claim?
If I
pay the excessmake a claim for my car, would that impact my claims rating or premiums?Possibly, if you decide to change insurer later, one who ask if you've made a claim (at fault or not).
A guy hit my car with his towing trailer. Now the trailer does not have third party insurance.
I had always thought that the trailer attached to the car is covered by the car. Regardless, he is the one who has to foot the bill. Up to him to figure out how he does it.
If I pay the excess for my car, would that impact my claims rating or premiums?
Refer to your contract
I was also under the impression that the towing vehicle insurance should cover damage caused by a trailer.
I think it depends on the policy i leased cars directly from my employer the comprehensive insurance they had on the vehicles did not cover any damage caused by a towed trailer or any contents in the vehicle.
Make a claim through your insurer, provide all details of the at fault driver, get your car fixed, and off you go. Everything else that happens is a matter between your insurer and the at fault driver.
This is precisely the reason why you have comprehensive insurance. Why do people have comprehensive insurance if they get involved in an accident and then don't want to use it?
use your insurance, that's what it for. Otherwise what did you plan to do? Chase up that deadbeat who doesn't have insurance? That's your insurance's job.
Otherwise what did you plan to do?
Repair it privately is still an option. Maybe the other driver will chip-in for the cost. Maybe they wont. I don't know.
It's always worth evaluating, because sometimes you'll still be better off with that.
they'll always opt for the cheapest most dodgiest job.
Who's "they"? The other driver or insurer?
If you can't agree to reasonable terms with the other driver for a private repair, you can still always go through insurance …
@salmon123: Why would you put yourself in a big inconvenience with the other party looking for quotes?
If you didn't have insurance, sure why not.
But there's nothing to hold the at fault party to account if they don't pay up. If you and the at fault party decide to go with a repairer, and they don't pay you and you find out that they're not an approved repairer with your insurance? What are you going to do?
I would start contacting you insurance asap to book in a repair. It's never a quick process. With Xmas around the corner, you may not be able to get a job book until after xmas.
Why would you put yourself in a big inconvenience with the other party looking for quotes?
I've stated my reasons above. If you can't or don't want to read it, then by all means, go make an "not at fault" insurance claim at every possible opportunity.
@godofpizza: Because maybe you don't want to inflict your insurance companies extra charges on the other person, specially if the other person was being reasonable and responsive.
Inconvenience yes, but this could be the difference between a few hundred dollars vs a few thousand dollars to the other side.
And to whoever says if both sides have insurance no issues, let me bring to your attention this is exactly how insurance cost goes up every year.
What is the point of having insurance if everyone is so scared to pay excess???
The OPs question isn't about excess. It's about future premiums. This could be a lot more than the excess for a single claim.
Well, ages ago my car got hit with hail and was quite expensive to repair. I asked the insurance company and they said âno problemsâ not your fault.
Next year, premium jumped 30%. I canât prove it jumped up that high because of my claim or not but felt I got ripped a new a hole.
I believe if repair is comparable or a little more than excess donât claim
I asked the insurance company and they said âno problemsâ not your fault.
Pretty sure these days you'd have to pay the excess for a hail damage claim.
I believe if repair is comparable or a little more than excess donât claim
I'd go as far as excess+6-12 months of premiums (15-30% increase for the next 3 years).
@salmon123: I had to pay the excess for a hail damage claim at the start of the year. When my renewal arrived in June the premium had gone down. I was expecting the opposite so it was a nice surprise.
Pretty sure these days you'd have to pay the excess for a hail damage claim.
Hail claims attract excess payments but shouldnât affect driver rating as theyâre considered not-at-fault
Hail claims attract excess payments but shouldnât affect driver rating as theyâre considered not-at-fault
Perhaps if you stick with the same insurer. For new policies (with some insurers), the question about claims history is sufficiently broad not to distinguish between hail damage and other claims.
@modsec802: Shouldnât. Just as someone else hitting your car shouldnât. But they do. The insurance industry is deplorable, but unfortunately necessary for us (except those of us who can self-insure against all possible scenarios)
The premium could also have gone up because everyone else's car was hit by hail and the insurance company realised it hadn't priced the risk appropriately.
When they manage to total the car…
Do you have the driver's details, number plate etc?
Put in a claim and let your insurance do the work for you and decide who is at fault.
If it is you then you pay excess. If not then your insurance will work with the driver to pay and you won't pay excess.
If you haven't got the driver's details and you claim, then if you get it repaired and pay an excess YES it will impact on your next premiumMany thanks all for the helpful comments. Also grateful for the driver who left his details so I can contact them.
Does the other driver have car insurance? If so, you May be able to claim via them, providing the other driver cooperates. Itâs more work, but should not affect your insurance.
Whatâs the damage? You May be able to organise a cashie with the other driver - again with more hassle for you, but may save both parties money.
Attachments to vehicles are covered under the car policy. This includes agricultural equipment, trailers, lighting, etc.
Usually there is only limited cover for the attachment (eg. approx 1500 to cover the trailer), but damage caused by will be covered by the cars comprehensive/third party property insurance.
Not always I leased cars directly from my employer the comprehensive insurance they had on the vehicles did not cover any damage caused by a towed trailer or evenany contents in the vehicle.
Did you report them? This is one of the prerequisites in establishing your claim!
You did notify the police…. didn't you!It is illegal to have/be in control of an unregistered and uninsured trailer upon public street.
Your option is to contact the police immediately…. then your insurer with all the details.
Why should you be put of pocket. Your insurer will chase up the criminal.
Fu(ks sake. Educate yourself on what is and isnât a reportable traffic crash…
Not to mention that there is no mention of unregistered, and that many trailers are covered under the insurance of the tow vehicle.
Firstly, thank you. If is refreshing to see such personal responsibility.
Secondly, You have the details of the driver that is a pretty good starting point to make a claim.
Your claim should be successful and cost you nothing if :
- The other party does not deny responsibility.
- You have dash cam footage or
- You have a witness(es).