First Accident in 27 Years, T-Boned by Another Driver (Video of the crash uploaded)

Aerith-Waifu on 19/12/2022 - 20:48
Last edited 20/12/2022 - 23:57

First accident in 27 years, I just got T-boned by another driver.

This is what happened:

I was driving straight passing a T-section, she was turning right, not sure what she had in mind at the time, she just straight way turned right and T-boned me, lucky there was no car on the incoming traffic.

The rear of my car has big scratches near the petrol section, the hinge on the petrol door is broken. Looks like a minor accident but still needs repairs as the back door and back panel is all dented. I will take this car to my mechanic to see if its still ok to drive first thing tomorrow morning.

She first said she doesn't have license, then I said need to call the police then and she was able to produce it, took some photo of the damage and her license. When asked about her number she said her phone is out of battery, which I can not verify as I don't know its true or not. She did say she is fully insured and will contact her insurance company tomorrow. She did give me a phone number which she asked me to send the photos to her phone.

So the question is, what do I do next? Wait for her insurance company to contact me? Or do I contact my insurance company first and report the accident? Or do i need to report this accident to police as a record?

Also, did I miss out anything I should have done at the time?

Member since 2008! Here is a video of the crash: https://www.youtube.com/watch?v=1kj7Sfa0OJY

Automotive

Comments

  • iNeed2Pee on 19/12/2022 - 20:53
    +148

    You came to OzBargain to report the accident first.

    That is sufficient enough!

    • Aerith-Waifu on 19/12/2022 - 20:54
      +8

      LOL! When else fails………..always OZbargain to rely on as we have a wonderful and resourceful community:)

    • reactor-au on 20/12/2022 - 07:56
      +4

      There should be a ozbargain wiki for the top 5 questions

      • CMH on 20/12/2022 - 16:13
        +21

        Best to make a claim directly in her insurance company - dont claim on yours so you have a clean claims history

        You can't "make a claim" on someone else's insurance. No ifs ands or buts.

        The other party has to make the claim on their own insurance, and only then you can liaise with them to get your own car fixed but you cannot start that process.

      • Ulysses31 on 21/12/2022 - 16:49
        -1

        Merry XMAS

    • FireRunner on 20/12/2022 - 15:49
      +4

      MS paint diagram would have earned an A+

    • DoctorCalculon on 20/12/2022 - 20:32
      +1

      It is our solemn duty to report all accidents here as soon as they occur, even those accidents that occur when the need to pee arises.

    • Munki on 20/12/2022 - 23:37
      +2

      Forget the photos. We only accept diagrams drawn on MS Paint.

      • Aerith-Waifu on 20/12/2022 - 23:50

        I now uploaded the video, if you want to check it out

        • ATangk on 21/12/2022 - 09:59

          If you have insurance, this video will be sufficient to put 100% blame on the other party.

        • The Wololo Wombat on 21/12/2022 - 10:29

          I think I see what’s happened. Can you also make an MS Paint diagram so we can be sure?

    • based on 21/12/2022 - 11:34
      +18

      But OP is breaking all the other rules
      - has comprehensive insurance
      - has dash cam footage
      - long time member
      - not actually at fault
      - responding in the comments
      - following advice and contacted insurer

      This is not the 'had a crash, what do' that I signed up for

      • Aerith-Waifu on 21/12/2022 - 15:25
        +1

        Brutal! LOL

        I am a very boring person, I dont drive fast and I dont skip insurance………..hence the good driving records i guess

      • Munki on 22/12/2022 - 22:40
        +1

        He hasn't supplied a drawing in MS Paint.

    • CalmLemons on 22/12/2022 - 18:46

      Yes I'm pretty sure this is the hub where sun corp and racv check for claims first now. Why bother investigating when ozbargain does it for you, the only free forum on the internet.

  • Jimothy Wongingtons on 19/12/2022 - 21:00
    +40

    Assuming you have comprehensive insurance file your claim asap and make it their problem

    • Aerith-Waifu on 19/12/2022 - 21:02
      +4

      I do have comprehensive insurance, access at $1200. You reckon I dont wait and just contact my insurance company first?

      • Jimothy Wongingtons on 19/12/2022 - 21:03
        +32

        You state it’s her fault, her insurance covers the excess?

        • Aerith-Waifu on 19/12/2022 - 21:05
          +4

          Really? the other parties insurance will even cover my access? Definitely her fault.

          • koom on 19/12/2022 - 21:15
            +12

            @Aerith-Waifu: Yes. Other than that, in some states you have to report the accident to the police if somebody has been hurt or killed, if the damage is over $3k in repairs, the car has to be towed away or you don't get the other persons details.

            • Aerith-Waifu on 19/12/2022 - 21:20
              +1

              @koom: Great to know, not sure if the damage is more than 3k, but consider the back of the car and also the door are all dented, it might as well can be over $3k to fix. By the way the $3k is to one car or both cars?

              • Sinnerator on 20/12/2022 - 09:55
                +2

                @Aerith-Waifu: I had small scratches on my front bumper and front passenger side quarter panel (ever so slightly dented) and 1 plastic wheel cover, from a bus which just grazed my parked car. No other damage. Including car hire for over a week it was $3.2k.

                • rave75 on 21/12/2022 - 16:07

                  @Sinnerator: For insurance jobs, repairer will mark-up the prices considerably. No wonder our premium is expensive!

          • kerfuffle on 19/12/2022 - 21:31
            +37

            @Aerith-Waifu: excess not access …

            • jv on 19/12/2022 - 22:48
              -4

              @kerfuffle:

              excess not access …

              Maybe they mean MS-Access ??

            • randomusername2017 on 20/12/2022 - 07:41
              +1

              @kerfuffle: Budget insurer… additional cost to access claim filing dept..

          • MS Paint on 19/12/2022 - 21:58

            @Aerith-Waifu: With RACV in VIC if you make a not at fault claim you don't even have to pay the excess up front.

          • Boioioioi on 20/12/2022 - 11:54
            +3

            @Aerith-Waifu: Yeah. Just report it even if its a minor damage. Better to get it properly fixed through insurance rather than some dodgy crap the other person might organise.

            You only pay excess if you are at fault. If you are not at fault, and you give your insurance the other persons details, your insurance will hunt them down and make them pay for all the repairs, no excess for you.

          • trapper on 20/12/2022 - 13:06
            +2

            @Aerith-Waifu:

            Really? the other parties insurance will even cover my access? Definitely her fault.

            The other party will pay for everything, your insurance company will pay nothing.

            So no, there is no excess to for you to pay.

          • Millikano on 21/12/2022 - 08:53
            +2

            @Aerith-Waifu: As others have said, yes. You only pay the excess if you are at fault.
            You should call your insurance company straight away, the video is clear evidence that they were at fault.

            You are also generally entitled to a loan car for the period your car is in for repair, ask your insurer about that.

            You should pay no money at all, you are not at fault. You don’t need to contact the other driver, you just need to share the licence information and phone number that they have you (along with their licence plate number, make and model of their car) to your insurer. It is best to make no contact with the other driver from this point.

            Hope it’s a smooth process for you.

          • DangerNoodle on 21/12/2022 - 16:46

            @Aerith-Waifu: Check your insurance company PDS. I was T boned off my motorbike last year, I provided the full details of the other party including a photo of their licence and photos of the damage, police report and their contact number, my excess was waived and it didn't go against my no claim bonus. Heck, my insurance company recovered the costs of replacing all my gear as well

          • vid_ghost on 21/12/2022 - 17:35

            @Aerith-Waifu: contact insurance company first and report the accident

            Not at fault = ZERO to pay and you also don't lose your no claim discount and wont pay more next year

            At fault = you pay excess and lose no claim bonus … its always best to be the person not at fault.

            No issues here.. its the other persons problem.

      • Murkymerv on 19/12/2022 - 21:05

        Yes !

      • camr00 on 20/12/2022 - 17:16
        +3

        Contact your insurance company with all the details (how the accident occurred, time, date, the other persons details including license, rego, car type, and anything else they provided whether you think its true or not), and then your insurance company will handle everything from there, including where you need to take your car to be repaired.

        Even a minor repair (ie paint scratches) will run $1000 in remove, prep, paint, refit, admin, etc, so if there are dents it will easily be over your excess.

        Dont bother taking it to your local mechanic unless you are worried about how it drives (safety wise). If its drivable, the insurance company will generally be able to provide a faster turn around under the assumption it doesnt need major works, and that they have paint/panel shops which cover the majority of issues these days.

      • Zonty on 21/12/2022 - 22:01
        -1

        Call driver need claim no so You can use that claim no to fix it up your car,tell him make sure other driver put right details of yours and take full responsibility as you have video footage. If you will use your insurance they will charge access and they will handle all but not sure they refunding access later as not your not fault. ( most likely will be refunded)
        I think when you will make claim using own insurance they will charge access up front. And if car written off then,They charge whole year insurance premium even car not usable anymore ( personal experience). If you use other driver insurance company and when car written off you can cancel policy and will be refunded.

  • The Value on 19/12/2022 - 21:07
    +58

    You still believe her after she lied about her license?

    1. File police report
    2. Contact insurance
    3. Get a Dashcam
    • Aerith-Waifu on 19/12/2022 - 21:10

      I try to believe the best in people but you do have a point, do i need to file a police report if no one is injured and the damage is minor?

      I just remember I do have Dashcam, it should be recorded! Thanks for that

      • Jimothy Wongingtons on 19/12/2022 - 21:12
        +32

        try to believe the best in people

        ???????

        Who states they don’t have a license after they got into a (at fault) accident ???

        Far out

        • Aerith-Waifu on 19/12/2022 - 21:12
          +2

          Well said. Thanks

        • Chandler on 20/12/2022 - 09:52
          +6

          100%

          The at-fault party was trying to get out of paying for the damage, claiming they didn't have a license then suddenly do when the police were going to get called…

      • The Value on 19/12/2022 - 21:16
        +1

        You don't NEED to but you should.

        • Nebargains on 20/12/2022 - 11:45
          +1

          Why? Filing a police report seems like a waste of OPs time and police resources, insurance don't require it.

          • The Value on 20/12/2022 - 11:53

            @Nebargains: Google it. You'll find a much better answer there than I could ever write.

          • trapper on 20/12/2022 - 13:09

            @Nebargains: Yes, total waste of time.

            She produced the license in the end anyway, so what would the compliant even be. That she told a fib?

            • larndis on 20/12/2022 - 13:36

              @trapper: An accident report, not a fibbing report!

            • gromit on 21/12/2022 - 00:09
              +3

              @trapper: She has already shown a willingness to lie. Getting the accident report to the police seems like a safe bet in case she tries more lies with insurance as police involvement seems to be a deterent for her.

      • Some Human on 20/12/2022 - 00:39
        +1

        Humans are very selfish and terrible. I learned that the hard way.

      • trapper on 20/12/2022 - 13:12
        +1

        I just remember I do have Dashcam, it should be recorded! Thanks for that

        Cool, let's see it then!

        • trapper on 21/12/2022 - 17:35

          OP delivers, well done!

      • Ultimate Gattai on 21/12/2022 - 01:53

        Considering she already lied, I don't think this is a particularly trustworthy person, I would have filed the police report/contacted insurance right away.

    • iLikeSales on 20/12/2022 - 12:39
      +5

      I am so surprised that people dont buy dashcams straight out the gate when they get their car. Even 5-10% of the price of their car going towards the dashcam is more than enough. All you need to prove that it wasnt your fault.

      • s1Lence on 20/12/2022 - 16:59
        +1

        Even if you have a shitty 5k car 5-10% of that for a dashcam is a lot, $100-150 is more than enough these days for a really good dashcam

      • Some Human on 20/12/2022 - 23:32
        +1

        I don't think dashcams existed when I got my car.

  • Wiadro on 19/12/2022 - 21:31
    +29

    you've contacted OzBargain Insurance, and your claim number is OZB0083837, please contact your local repairer and provide the claim number and they will organise a repair.

  • foolsgold on 19/12/2022 - 21:31
    +8

    sorry I can't put this together with out a MS Paint diagram, this should have been done first before your post was made.

  • MS Paint on 19/12/2022 - 21:45
    +8

    Not the Koleos?

    I just remember I do have Dashcam

    WTF? Were you under the influence?

    I will take this car to my mechanic to see if its still ok to drive first thing tomorrow morning.

    Don't waste their time please. It's fine.

    back panel is all dented

    In most cars that's also the roof section. Can be very expensive to repair the rear quarter.

    • Jimothy Wongingtons on 19/12/2022 - 23:29
      +8

      At least the bonut was ok in this instance

    • Aerith-Waifu on 19/12/2022 - 23:45

      Nope not the Koleos. Its my old car for work. Yeah found the dashcam footage. Looks just like what i described

      • stumo on 20/12/2022 - 11:08
        +2

        You can't leave us hanging like this. post it.

      • Boioioioi on 20/12/2022 - 11:55

        No harm taking car to the mechanic either, Muzeeb just be opinionated

    • Sleeqb7 on 20/12/2022 - 11:56
      +1

      big scratches near the petrol section, the hinge on the petrol door is broken

      Ehhhhhhhhhhh, any potential damage to the fuel tank would make me want to get it looked at honestly.

      • MS Paint on 20/12/2022 - 12:00
        +1

        I'm guessing op means where the fuel filler cap is. If the tank is compromised then it would have to be a big hit.

    • Hangryuman on 21/12/2022 - 10:34
      +1

      Not the Kingswood ! - https://www.facebook.com/watch/?v=2149662518674695

      • MS Paint on 21/12/2022 - 10:37

        Love myself a bit of Ted Bullpit on a Wednesday morning. Cheers

  • lordra on 19/12/2022 - 21:48

    In a T, doesn't the person turning right or left get the right of way? At least the ones I've seen, small side streets, on either side, has give way painted on.

    But I don't pay attention to these things, I'm so used to doing it I just do it.

    What's the address? What does the road look like? YouTube the footage mate.

    Definitely call insurance, fork out your excess of $1,200. They will then start their investigations. They'll ask you to go to one of their folk for a repair estimate, while they track down your at fault party.

    Was the licence she had a local licence?

    Oh, and lastly, Aussie Dash cam that shit mate!

    • avoidfullprice on 19/12/2022 - 21:55
      +9

      In a T, doesn't the person turning right or left get the right of way?

      I don’t understand what you meant

      • MS Paint on 19/12/2022 - 21:59
        +5

        No one has right of way.

        Someone has to give way.

        @pegaxs - keep it together man!

        • pegaxs on 19/12/2022 - 22:00
          +5

          I was already writing it out as you tagged me… triggered AF right now… :D

          • MS Paint on 19/12/2022 - 22:01
            -1

            @pegaxs: And they're a local road user. Probably one of those entitled drivers at school drop off. Be careful out there.

          • Hangryuman on 21/12/2022 - 10:35

            @pegaxs: someone was whiting it out

        • lordra on 20/12/2022 - 00:41
          +3

          In NSW, they do state that: "If you’re driving on a road that ends at a T-intersection, you must give way to all vehicles driving on the continuing road, unless a sign says otherwise."
          So OP was in the right on this one, if he was car B. Car A T boned him. (almost at the bottom of the page)

        • Ughhh on 20/12/2022 - 11:10

          Who has the correct of way then?

          • Hangryuman on 21/12/2022 - 10:36

            @Ughhh: depends who has wrong of way - two wrongs don't make a right …

            • Ughhh on 21/12/2022 - 10:48

              @Hangryuman: True. One has wrong of way, and one has right of way.

    • Aerith-Waifu on 19/12/2022 - 23:46

      They have to give way if entering. There is no other rule as far as i know.

      • Hangryuman on 21/12/2022 - 10:37

        need enthusiastic consent

    • Willy Beamish on 20/12/2022 - 13:51
      +3

      It really depends on the road, some have the straight through of the T with give way or stop signs, others have it on the incoming traffic lane, isn't a blanket rule for this thing
      Assuming no strangely placed stop or give way signs, the person entering the top of the T should be giving way to anyone already travelling on that road.

    • Jolakot on 22/12/2022 - 14:24
      +1

      I sat the VIC driving test last year and this was actually part of the road-rules/reaction test

      Unless posted otherwise at a T intersection, the person on the straight road has the right of way, whether they're turning left/right into your road or continuing straight

    • scar4ace on 22/12/2022 - 14:28

      I don't pay attention to these things, I'm so used to doing it I just do it.

      Probably what that other driver was doing

  • ode1online on 19/12/2022 - 22:00
    +6

    Lodge a claim with your Insurer NOW, if you can prove someone else was at fault, you should avoid the excess.

    • MS Paint on 19/12/2022 - 22:02
      +15

      It's access dude - see above.

      • skidexa on 21/12/2022 - 06:21

        Huur duurr bad English…

    • Hangryuman on 21/12/2022 - 10:37

      nothing exceeds like excess !

  • Euphemistic on 19/12/2022 - 22:05
    +7

    Has already been difficult. Straight to your insurer and make a claim.

  • SF3 on 19/12/2022 - 22:13
    +14

    She first said she doesn't have license, then I said need to call the police then and she was able to produce it

    Sus AF. You better start the process asap.

  • Aerith-Waifu on 19/12/2022 - 23:48
    +20

    Called up my insurer and asked what to do in this situation, they said from the description its 100% their fault and I should not have to pay for the excess.

    Gave me a claim number and sorted out everything.

    Already booked an inspection place tomorrow to have the car accessed. And also confirmed my renew wont go up.

    Looks like its a lot easier to go with my own insurance and let them sort out everything. If the other driver is insured as she claimed then this should be a pretty quick process with repairs (I hope)

    One thing I found interesting is my insurer didn't ask for dash cam footage, I guess they knows as I was the one getting T-Boned hence 100% been the other drivers fault.

    • Pelicannn on 20/12/2022 - 00:40
      +11

      Even if they aren’t insured. If your insurance company finds them liable, they will not make you pay the excess and take the other party to court to get their costs back.

    • BillyStm on 20/12/2022 - 01:24
      +2

      They'll only ask for additional supporting evidence if the other party denies or challenges being at fault. You've obviously told them the other party has acknowledged they are at fault.

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