NSW- At fault car accident - No insurance

hitubaba on 01/07/2022 - 20:28

I know i may get the flak for this. Have been a safe driver and had been delaying getting my car insurance due to lack of time and abundant tasks at hand…. However i learnt the lesson today. I was involved in 3 car accident in wet slippery road. Guy in front of me was a Red P .

Long story short the Red P in front of me braked hard, i braked hard but skid through and hit his car and his car hit the one at front(he had a tow bar hence tow entered through the grill of the Red P car, so had to call Towing.

I understand i would naturally be at fault however i only have CTP AND NO other insurance. What are my options to cover all our cars without going through big bill from their insurance to me. Can immediately get an insurance that can cover me instantly. I have learnt my lesson but i really don't have the cash to fix all these cars especially if there are write offs. Please help urgently.

Automotive

Comments

            • MrFrugalSpend on 05/07/2022 - 00:39

              @Shunto: What is fair is that OP caused an accident and damaged two cars and is liable for two cars.
              I know someone who was middle car and back person paid for the lot.

              I also know someone else that caused a chain reaction that resulted in like four cars, a fence, some poles and a retaining wall being damaged… and their insurance paid for the lot

  • Millikano on 03/07/2022 - 22:55
    +2

    It would be worth seeing a financial advisor. Buying insurance is like gambling- many people will spend a lifetime paying for it and never use it, but in that one unlucky situation when you need it then it's worth paying for it. Hope that the damage on the other vehicles isn't too bad, and you're able to come up with a solution. Best of luck.

    • Cluster on 04/07/2022 - 11:33
      +2

      Insurance is you taking a bet that an accident will happen, and the insurer betting that you won't have one. But unlike gambling, the insurer is actually buying something real: your risk of having an accident.

  • The Value on 03/07/2022 - 23:03
    +2

    Bro, when I was a teenager working in fast food I had Third Party property. Sh!t happens!

    Hope you don't get too stressed about it. There is always a solution, expensive as it may be. They can't take what you don't have.

    • superuser on 05/07/2022 - 15:21

      Lol

      • The Value on 05/07/2022 - 15:45

        To be clear, I'm not a boomer where you could buy a home on fast food wages.

  • nightmarez3k on 03/07/2022 - 23:08
    +7

    Options
    -Declare bankruptcy.
    -Join Ukraine army never to be seen again
    -Go Russia seek political asylum
    -Go AWOL in the bush
    -Go find a sugar momma to pay your bills

    • The Value on 05/07/2022 - 15:50
      -1

      Sugar person*

  • kaleidoscope on 04/07/2022 - 10:06

    Can immediately get an insurance that can cover me instantly

    Nope, sorry man I think your bad luck just happened. You can’t backdate the cover. When you lodge your claim you mention time and date of incident, when they see you have applied for cover late you won’t be covered. Worst case they might deny and even flag you for insurance fraud which can further complicate your ability to own future insurance.

  • SteppedLego on 04/07/2022 - 10:20

    Will you require to sell anything: Most likely No.

    Will you require to pay for the damages: Yes, but this won't need to be paid all at once. Insurance companies will 95% of the time send their files over to credit company to do a payment plan which works off your actual finances. You'll provide them some details of your financial situation and you'll pay off the damages over months/years through an amount that works for your finances.

  • zamzoom on 04/07/2022 - 10:29

    You can get them to get a quote for a mechanic and try to just avoid their insurance all together and just settle on cash payment between you 2/3 because keep in mind they will also have to pay their excess and if they're a P-plater it can be $100s if not $1000s so avoiding an insurance claim all together would benefit you and them in some way.
    Quote they get from a local mechanic will be alot cheaper than whatever insurance is going to quote from one of their certified repairers. I know this has worked for small-medium collisions but if the damage is very extensive might be harder to negotiate.

    • JelIyfish on 04/07/2022 - 11:39
      +5

      The other cars don't pay excess if they're not at fault.

      • [Deactivated] on 18/07/2022 - 13:52

        Are you sure? I've heard you do

  • Arigato on 04/07/2022 - 10:34
    -2

    You’ll have to just not pay. Hopefully the poor people you hit have good insurance

  • Gros21 on 04/07/2022 - 10:42

    dont forget yo may be up for 2 loaner cars, when some idiot cut me off that "thinks he should have insurance" and refused to assist me lifting bike up and was genrally a tool. I claimed every thing i could through my insurance (loaner, helmet, shoes, jeans, gloves (all protective gear had a worst a scatch or similar on it but none the less damage from accident) and the bill would of been pretty large. Not uncommon for 6 month wait on parts. New grill/bumper could take ages, tow hitch would of been damaged even a scratch you are liable for. Which will all come back to you.

  • trapper on 04/07/2022 - 11:17

    been delaying getting my car insurance due to lack of time and abundant tasks at hand

    After paying this ~$20k bill you will probably find this insurance task having a little more priority in the future… expensive lesson though.

    • JelIyfish on 04/07/2022 - 11:42

      The bill could be $200k if the cars were decent.
      That kinda puts into perspective the 10 minutes it would have taken to get insurance.

  • Cluster on 04/07/2022 - 11:21

    Car repairs can be incredibly expensive. I'm waiting on a car repair from a kangaroo collision. One headlight was hit, but the collision energy rippled through the side of the car and requires two doors to be replaced. Damage is over $8k, from an accident I drove away from without problems. Fortunately insurance picks up the tab and I only pay excess.

    As others have said, I don't understand why compulsory third party property insurance is not a thing in Australia. I pay ~$680 rego every year, of which over $450 is personal insurance. Adding TPP on top would only be about $150.

  • Darayus on 04/07/2022 - 11:53

    The first lesson to learn is to have a good threaded tyre to give you grip on the road when you brake.

    I had learned this lesson very hard, I brake hard on a wet road and I noticed my wheels are locked but unfortunately my car keep sliding due to the wet road and luckily it remained to within the drive lane and avoid hitting another car. The next day I book for tyres and got them replaced as they have cross 40K run and needed to replace anyway, but was getting it delayed as I was waiting to get it done during my pink slip time.

    Never support people who scam insurance, because of normal people like us have to pay an increase in your insurance charges.

  • RedDevil860 on 04/07/2022 - 12:35
    +1

    You only have option. Hit the Gym and Create an OnlyFans account.

    • iDroid on 04/07/2022 - 12:57
      +2

      Yes but it sounds like the fan got damaged in the crash.

  • [Deactivated] on 04/07/2022 - 12:59

    If OP had a dashcam and that P plated did slam their breaks, would he no longer be at fault?

    Just curious.

    Ive had some real idiots driving front of me, who slammed their brakes at the last minute and I think to myself how did you not know traffic in front of you had stopped.

    Literally cannot see anything when you have a 4WD in front of you or an SUV for that matter.

    • Ughhh on 04/07/2022 - 13:04
      +2

      If OP had a dashcam and that P plated did slam their breaks, would he no longer be at fault?

      Doesn't matter, as you're supposed to keep a safe distance. Nervous unpredictable drivers can be just as dangerous.

      • 35234453254 on 04/07/2022 - 13:11

        I've had a stupid P-plater slam her brakes infront of a Merc I was following. Police saw my dashcam footage and didn't charge me. Saved me big time. Sometimes you get lucky and have police judgement on your side.

        • Ughhh on 04/07/2022 - 15:11

          Sometimes you get lucky and have police judgement on your side.

          That's only half lucky, to be full lucky, you need your insurance to not deem the incident as your fault.

  • 35234453254 on 04/07/2022 - 13:09
    +3

    Not having motor insurance is a big reason many Aussies go bankrupt. I don't let my kids have their keys if they don't.

  • Marcsie on 04/07/2022 - 13:12
    -2

    lol

  • preferredusername on 04/07/2022 - 13:16

    Since there are enough people slamming the OP for not having insurance, OP I'm sure you've learnt your lesson and I'm glad you and the other drivers are okay. If it helps, someone once hit my mum's car (but left a note). They didn't have insurance and she has a reasonably expensive car, so she got him to cover the excess instead and claimed the repairs through her insurance. Idk if that is a thing that could apply here, but wishing you all the best.

    • kaleidoscope on 04/07/2022 - 14:02

      Since there are enough people slamming the OP for not having insurance

      Not applicable to OP, I’ve come across people are simply too ignorant of these matters. There were 2 blokes in former office that was driving not even roadworthy condition cars only used for commuting to and from station. They had no intention of getting even third party for the cars because 1) cars not roadworthy 2) too cheap to spend a dollar for insurance. One of them said he’d wanted to but the cost to get the car roadworthy was too much 🤦‍♂️

      • yamahamoto on 04/07/2022 - 16:34

        My family gifted a young cousin whom just got his license an old Toyota echo. The car is worth about 1.5k and it costed 1.4K to get the road worthy to transfer the car rego.

        • kaleidoscope on 04/07/2022 - 16:53

          😬. for his age its worth paying the extra and get insurance imo than the potential trouble to follow later on.

          • yamahamoto on 04/07/2022 - 17:05
            +1

            @kaleidoscope: No we got 3rd party at least. Just saying roadworthy can be expensive. Crazy to drive without insurance.

        • The Value on 05/07/2022 - 15:54

          That's why you never let a car get out of rego for too long. Blue slips are way more expensive than a pinky.

          • yamahamoto on 06/07/2022 - 11:39

            @The Value: We had to get road worthy to transfer rego. The rego wasn’t expired.

  • ProlapsedHeinous on 04/07/2022 - 13:36
    +2

    Hopefully you have learned your lesson, because the ramifications of your decision are going to affect you for a long time. If you cannot afford to pay for all the damage, you will need to ask to be put on a payment plan. It is going to be a pain, but you will get through it. Not much else you can do, so in saying that good luck.

  • CoreJava on 04/07/2022 - 14:24

    Easiest way out is to file bankruptcy

  • kerfuffle on 04/07/2022 - 15:33
    +4

    Gotta love how @hitubaba doesn't bother responding to four pages' worth of comments.

    • Kentrolla on 05/07/2022 - 10:54
      +4

      Clearly a lack of time and abundance of tasks at hand.

  • rlf on 04/07/2022 - 16:27
    -2

    This is unethical but it's the best option for your situation.

    Liquidate your assets, and hide them somewhere, crypto or illegal gambling sites.

    Declare bankruptcy. You're off the hook.

    edit: I should mention if the other people have insurance the only people who will be at a loss for this will be the insurance companies. (profanity) them all.

  • Buckshot on 04/07/2022 - 17:39
    +1

    I feel for you! What a crap experience…

    Now you know-

    This is where prioritising comes into play.

    i.e "What is the probability of having an accident?" = LOW
    "What is the potential cost if I DO have an at fault accident, have to pay for potentially multiple cars or get sued? = EXTREMELY HIGH

    This should have been at the top of your to-do list based on cost alone.

    Chalk this up to a very expensive lesson and never skimp or put off insurance again.

    I know you probably know all this but… go through all of your other high risk items on your list you've been putting off and fix it up ASAP.
    If you don't have a list, make one!

    Good luck!

  • AMLagonda on 04/07/2022 - 17:54

    this person has learnt nothing but they soon will….

  • Jhonka on 04/07/2022 - 18:40

    Oof!

  • George2021 on 04/07/2022 - 18:48
    -5

    This is probably a troll post making fun of all the other uninsured idiots posting.

    I thought the C in CTP stands for compulsory… How is your car even registered? I know in NSW you cannot register a care without CTP.

    • kerfuffle on 04/07/2022 - 19:28
      +5

      Yet another person who doesn’t know what CTP covers … Hint: it’s not damage to cars.

    • Piranha2004 on 04/07/2022 - 22:29
      +1

      Oh boy this wont age well. The second P in TPP stands for property. How do you not know this yet give out advice on CTP?

    • The Value on 05/07/2022 - 15:56
      +2

      Call other people idiots but doesn't know the difference between CTP and TPP.

      • George2021 on 05/07/2022 - 20:23
        -6

        If you are driving uninsured you are an idiot or just poor… which is usually due to being an idiot as well

        • JelIyfish on 05/07/2022 - 21:30

          So poor people are idiots?

  • plmko on 04/07/2022 - 21:04

    If the other parties claim insurance against you the bill of repairs will be massive because smash repairs do mark ups. Bumpers and grille repairs are simple but can easily be $15k$-20k each car.

  • pigmyfart on 04/07/2022 - 23:40
    -2

    *Edit: clearly not the first one to suggest this, but it's not a black-and-white decision you should walk into lightly…

    Look mate I ain't gonna troll you like all these other posts telling you how dumb you are because I'm sure you've figured it out for yourself, but you're probably just after solutions even if they're not very good ones and trust me on this one - your options are very limited. This isn't financial advice by any stretch of the imagination but after weighing up many factors there could be an unorthodox solution: bankruptcy.

    On the off-chance this isn't your first bad financial decision, the amount of damage caused, your total amount of debt currently, how long it would take you to repay everything, your current assets/income, if you're happy to take a hit and lose all of your non-essential / high-value assets, and most importantly, your age and whether you need to apply credit cards or loans in the next 7 years (since you'll be blacklisted), after weighing up the answers to all of these questions and more, if you're eligible it could be a viable solution. Not a great one like I said but sometimes you have to weigh up the bad with the good.

    I had a mate who in our late teens or early 20's wrote a brand new car off, was in a world of debt, and didn't have the greatest job at the time so he claimed bankruptcy, spent the next 7 years sorting out his life financially and was a home-owner paying off a mortgage by the time he was 30… I mean it wasn't great, the guy had to pay for everything up front, couldn't get interest-free or lay-by, and struggled with some rental applications/postpaid phone accounts, but it wiped the slate clean getting him off a mountain of debt straight away, focussing on sorting himself out. Not saying it's for everyone but in his case it was for the best, he was young and went back to uni so the first half of 7 years was like water off a duck's back, he barely noticed it living the student life, and then had a job good enough where it didn't matter.

    Each to their own, hope you work it out but you're not getting off the hook on this one, you're gonna have to face the music whatever that may be…

    • SnoozeAndLose on 05/07/2022 - 23:03

      tdlr: Declare bankruptcy, stuck it up for 7 years

      • inasero on 15/07/2022 - 09:55

        *suck

    • yamahamoto on 06/07/2022 - 12:01

      Bankruptcy only stays in your credit file for 5 years not 7. In this case it’s not bad to take as he is not defaulting against the bank so as soon as bankruptcy drops of credit files he can apply for loans again. But he is gonna look at everything, there is an income threshold for the first 2-3 year when you not discharged they can go after it.

  • Empharand on 05/07/2022 - 00:45
    -2

    Consider this is a very expensive lesson learned.
    At minimum everyone should have Third Party Car Insurance. If you cannot afford it or feel that you can drive without then please stop driving until that changes.

    Be prepared for an absorbent repair bill. I know someone who got into an accident and was uninsured (Who is now insured) and was at fault, the bill for minor damage came out to $6000+, this also included loss of wage for the affected party for a few weeks in addition to the repairs. Everything appeared to be invoiced as Brand New + a nice markup. Bill came directly from RACV repair centre not a third-party repairer.

    • meatgasm on 05/07/2022 - 01:17
      +10

      Be prepared for an absorbent repair bill.

      I hope that the bill doesnt hold too much water, that would make it exorbitant.

      • Empharand on 06/07/2022 - 02:42
        -3

        Whoops my bad. Maybe next time don't be condescending?

  • donkeydoc on 05/07/2022 - 07:19

    Get a new phone, change your name

  • swilso on 05/07/2022 - 07:33

    I am genuinely curious how long have you owned the car for?

  • prhino on 05/07/2022 - 07:40

    I drove uninsured when I was 18, and rear ended another car.

    I had to take out a personal loan to pay for the damage to the other car and buy myself something.

    That was the last time I drove uninsured, and it also made me debt-averse.

    • Kentrolla on 05/07/2022 - 10:59

      Don't suppose you're the guy that hit my wife's white SUV earlier this year lol

      • prhino on 05/07/2022 - 11:07

        LOL. No, this was almost 30 years ago. The lesson sunk in.

        • Kentrolla on 05/07/2022 - 11:14
          +1

          Haha ok all good. Just thought I'd check 😂

  • bohn on 05/07/2022 - 12:12

    The French Foreign Legion will protect you.

  • nicend on 05/07/2022 - 13:51

    Sorry OP, you're on the hook for all of it.

  • blehgg on 05/07/2022 - 15:04

    Well, there are some things a man just can't run away from. - Author: John Wayne

  • The Value on 05/07/2022 - 15:58

    Don't stress OP. There is no need to go bankrupt! They'll just garner your wages for like $50.

    • kehuehue on 05/07/2022 - 17:38

      Can you elaborate? For example if the damages were like $5000 - who will garner wages for like $50? is that 50$ per payment cycle?

      So $50 for the next 100 payment cycles?

      • The Value on 05/07/2022 - 17:46

        I am not a lawyer. This is not legal advice.

        Eventually they'll take the person to court. The court can't force you to sell your assets to pay off the debt so they'll garnish the persons wages.

  • GotSomeTime on 05/07/2022 - 16:56

    OP. I feel for you mate.

    On a side note, thanks to you I actually now purchased comprehensive car insurance.

  • Kentrolla on 05/07/2022 - 18:09
    +1

    Kind of wish the OP would have posted what types of cars the other 2 were. But since he/she is now posted this and ran away into what presumably is long term hiding, we'll never know.

    • kerfuffle on 05/07/2022 - 18:16

      Assuming OP hasn't changed their car since, I'd assume one car is this

      • Kentrolla on 05/07/2022 - 18:17
        +1

        Nah, repairing/writing off his own car would least of his worries right now.

  • dreamscene on 05/07/2022 - 18:24

    OP vanished? Troll post?

    • bohn on 05/07/2022 - 18:29
      +1

      he's still on the toilet

  • Jarryd90 on 05/07/2022 - 19:12
    +2

    Don't understand why people drive without insurance myself. Am I confident that I won't cause an accident myself? Yes.

    Am I confident in the shit drivers we have in Perth to pay attention while driving and merge properly / do shoulder checks? No.

    I've had 6 claims in 3 years all not at fault, inc one where I was rear ended and had my car written off by a drunk driver. My insurance paid out $30k no questions asked within 3 days.

    • kerfuffle on 05/07/2022 - 19:14

      I've had 6 claims in 3 years all not at fault, inc one where I was rear ended and had my car written off by a drunk driver. My insurance paid out $30k no questions asked within 3 days.

      And I thought I had bad luck with 4 (or 5 if my insurance figures out the last one) not at fault claims between 2015 and 2022 (5th one resulted in my car being T-Boned and written off)

      • Jarryd90 on 06/07/2022 - 23:51

        Been side swiped 3 times by people not checking blind spots and turning into me.

        Rear ended twice, funnily enough it was an 8k repair bill on the first one and then after it was repaired, no more than a month later I get rear ended and it's written off.

        Last one was a lady pulling out of a side street and pretty much t-boned her.

        Premiums weren't really affected, think it went up by $8. But I did notice on my renewal policy I got mailed said my car that I had been driving around for almost a year "was not covered by insurance if it was in the Control or Care of Mr. Jarryd… (Myself).

        Apparently, having had so many accidents in a year activated their auto-exclusion system, easy enough to get sorted because none of them were at fault they just unticked a box.

    • Meovel on 06/07/2022 - 14:23

      How much premium increase did you get?

  • Brokedog on 25/08/2022 - 21:06
    -2

    Call daddy Chinsun, HELLLPP

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