Minor Accident in a Rental Truck

Sydneyswans on 07/06/2022 - 15:51
Last edited 07/06/2022 - 16:04 by 1 other user

Hey folks just wondering how to proceed in this scenario.

I was in a minor accident over the weekend whilst doing a house move. Accidentally backing a rented Hino truck (class C licence 3 tonner) into the existing neighbours (not the new neigbours) 2021-2022ish Mazda (CX 7 from memory) parked kerbside. For context it was a new street, narrow roads etc.

Whilst my rental truck incurred no damage and was returned back fine (deposit refunded), the rental company kindly asked me to deal with this on my own terms probably due to their paperwork involved. I am also aware my personal insurance policy for my own vehicle (NRMA/IAG) does not cover this.

The excess under the rental contact was only $1000 as I paid the reduction fee but if I have to go through this on my own terms I'm guessing the cost will be astronomical. Other party's insurance company already advised they would go via the rental company.

Automotive

Comments

  • netjock on 07/06/2022 - 15:57
    +20

    the rental company kindly asked me to deal with this on my own terms probably due to their paperwork involved

    Pay your $1k excess and be done with it. Rental company is just acting badly.

  • jellykingdom on 07/06/2022 - 15:59
    +11

    Why would you deal with it yourself…? What's the point of their insurance? Tell them to sort it themselves!

  • Baysew on 07/06/2022 - 16:00

    Was it old neighbour or the new neighbour?

    • Sydneyswans on 07/06/2022 - 16:03

      it was a friend of the neighbour of the existing house being lived in actually… only stopped by to drop something off which is what makes this even more frustrating. I was parked in his exact same spot in my personal vehicle earlier that day and I wish I could have hit my own car instead of his as at least I could have claimed hit and run on my own car pay my excess and be done with it.

      • meowsers on 07/06/2022 - 16:32
        +9

        So you won't make a claim on actual insurance provided with the rental truck. But you would consider claiming a hit and run (ie: insurance fraud) on your car to fix it had that occured? People confuse me.

      • iamherenow on 07/06/2022 - 17:18
        +4

        Well if you want to commit fraud, you could always make something up on your tax return to pay for it. Shoplifting or robbing a bank are other alternatives you may want to consider.

  • MS Paint on 07/06/2022 - 16:01
    +1

    Nice way to meet your new neighbours.

    • Sydneyswans on 07/06/2022 - 16:06
      +1

      updated the details to specify it was the neigbours from the old household. Not moving out of the house forever only moving so the place can be rented whilst overseas.

  • Euphemistic on 07/06/2022 - 16:05
    +4

    How much damage? If it’s more than $1k, pay the excess. The rental company already got you to pay extra for insurance might as well use it.

    • Sydneyswans on 07/06/2022 - 16:11

      fortunately only the front right side of the bumper front side of the car between the front door and the front bumper.

      • Euphemistic on 07/06/2022 - 16:12
        +5

        Get a quote, then proceed. I’m gonna go out in a limb and say it’s going to cost more than $1k though.

        • apsilon on 07/06/2022 - 16:14
          +5

          it’s going to cost more than $1k though.

          Easily. Let the rental place deal with it and pay the excess.

  • kerfuffle on 07/06/2022 - 16:11

    How is it old neighbours but a new street?

    • Sydneyswans on 07/06/2022 - 16:13

      because new street is only a few years old but already moving out of the new street as the house needs to be rented whilst overseas temporarily. All the furniture is being moved into the parents house whilst house is being rented.

      • kerfuffle on 07/06/2022 - 16:15
        -2

        So new as in newly built, but you should be familiar with the street and how narrow it is … so not new to you, is it?

        • [Deactivated] on 07/06/2022 - 16:18
          +4

          geez what are you the St police lol, give it a rest

          • Sydneyswans on 07/06/2022 - 16:20
            +1

            @[Deactivated]: Lol I'm not used to driving trucks but I get the point and this is an expensive lesson learned

            • [Deactivated] on 07/06/2022 - 16:30
              +4

              @Sydneyswans: We all make mistakes, will be forgotten soon, don't worry about the self righteous ones on here.

              • Sydneyswans on 07/06/2022 - 17:31

                @[Deactivated]: Everyone was understanding. I just don't want this getting out of hand, just want it resolved amicably.

  • oscargamer on 07/06/2022 - 16:27
    +1

    Get quote.

    Make decision as to how to pay, at that time.

    You paid for insurance for a reason.

  • meowsers on 07/06/2022 - 16:30
    +1

    As the others are saying, you paid for the insurance. Let the rental company deal with it. The good thing is since it's not your policy there is a reasonable chance it won't show up on NCPD under your name.

  • MS Paint on 07/06/2022 - 16:33
    +2

    LPT - if you hire a rental truck have a friend guide you when you are reversing.

  • solidussnake on 07/06/2022 - 16:38

    That's why you always have a spotter when reversing, I've driven the 4 tonne ones 4 times and gosh it's scary the best of times lol

  • Gros21 on 07/06/2022 - 16:42

    cost will go quickly go above 1k, esp if they need a rental car while car is damaged. Good thing is its not your policy so wont effect your premiums.

    Make sure you have done your paperwork correct eg report it within XXhrs and so forth.

  • JimmyF on 07/06/2022 - 18:05
    +1

    The excess under the rental contact was only $1000 as I paid the reduction fee but if I have to go through this on my own terms I'm guessing the cost will be astronomical. Other party's insurance company already advised they would go via the rental company.

    Then pay the $1k to the rental company, making sure you get a claim number etc and move on with life.

    You'll pay way more than $1k dealing with this yourself and well that is what you paid for the insurance reduction fee for incase you needed it and you do.

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