[WA] ICWA - Insurance Commission of WA rang and wants to Discuss about Motor Vehicle Accident (MVA)

sonu1111 on 03/01/2023 - 14:21

I was involved in car accident in late oct 2022.

Another driver was tailgating me and then he overtook me and slammed the breaks. I rear ended him, so I am at fault.

At the scene of accident, I was trying to call cops @ 131444 but everything was so overwhelming that I couldn't get through until I got home. I did tell cops that person was drunk and gave them his address, but I think nothing was done.

I lodged the crash report straight away. I didn't go to doctors until after 2 weeks where I have been told that I have stage 3 ACL.

Today, I have received a call from ICWA and they arranged a meeting with me next week. I was told that the other party put a claim for personal injury. I am stressing right now that it will be expense out of my pocket even though person over the phone mentioned that we all pay CTP so it will be alright.

Anyone had similar experience.

Automotive

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Comments

  • spackbace on 03/01/2023 - 14:43
    +2

    Just checking, did you check what number they called from…?

    • sonu1111 on 03/01/2023 - 14:46

      Mobile number and asked me to save his number.

      He knew my name, accident date and address.

      • Sleeqb7 on 03/01/2023 - 14:51

        Did you look this number up at all? The person you crashed into would have all of that information.

        Do you have insurance? Did you file a claim? Did you have a dash cam?
        You're legally required to have 3rd Party Personal insurance to register a car, which would cover this person's alleged complaint were they not full of crap.

        If someone is as you claim drunk and brake checks you, I'd say you wouldn't be at fault for an accident. But that's another topic entirely.

        • sonu1111 on 03/01/2023 - 15:15

          True what you are saying. I did check after you said and nothing is coming up.

          I had 3rd party insurance and no dash cam. Person was saying that I was covered by CTP and nothing would be out of pocket

          • spackbace on 03/01/2023 - 15:23
            +2

            @sonu1111: It's odd that they would call you from a mobile phone, not landline

            I'd suggest calling them:

            Phone
            +61 (8) 9264 3333 (local call)
            1800 643 338 (toll-free outside the Perth metropolitan area)

            8am to 5pm, Monday to Friday

      • spackbace on 03/01/2023 - 15:08

        Right, well as above, I'd be checking up on that. WA registration includes 3rd party insurance:

        When you pay your vehicle's licence, part of the fee is for compulsory third party insurance. This covers you, or anyone else, for death or injury if your car is involved in an accident. However, it does not cover you for damage to your car or anyone else's.

        Unless they think the other guy is trying to scam the system

        • sonu1111 on 03/01/2023 - 15:22

          My 3rd party insurance will cover the damage to the car and this CTP should cover the person. What I am worried is, website says that there is a cap on reimbursement on medical bills and stuff, if it goes above that, then I might have to pay for it.

          I do think that this person is not doing the right thing as he was fine after the accident but I am not sure.

          • cookie2 on 03/01/2023 - 16:17
            +1

            @sonu1111: You were fine too, until 2 weeks later.

            • sonu1111 on 03/01/2023 - 16:30
              -1

              @cookie2: True and I understand that.

            • markathome on 03/01/2023 - 17:09

              @cookie2:

              You were fine too, until 2 weeks later.

              And, actually now I think about it, I did feel fine after the last crash I was involved in (their fault) and the pain only came through a few weeks later too.

          • markathome on 03/01/2023 - 17:06
            +2

            @sonu1111:

            My 3rd party insurance will cover the damage to the car and this CTP should cover the person. What I am worried is, website says that there is a cap on reimbursement on medical bills and stuff, if it goes above that, then I might have to pay for it.

            This seems unlikely. As others have suggested, I kind of suspect the Insurance Commission may have questions on this case but they may just be doing their everyday due diligence. Caps on reimbursement protect the taxpayer. Consider your answers and answer the questions honestly. It seems like you are causing yourself stress over nothing. Viewing the other driver as trying to scam the system isn't going to help you in the long run.

            Your facts are pretty straightforward:

            • In late Oct 2022, another driver was tailgating me and then he overtook me and slammed the breaks. I rear-ended him.
            • At the scene of the accident, I was trying to call cops @ 131444 but I couldn't get through until I got home.
            • It appeared to me the person was drunk (if you're going to assert this, explain why).
            • I have stage 3 ACL from the crash.

            Stick with those. Getting legal advice is never a bad idea (I'm not a lawyer). But it seems most of the anxiety and issues with this are in your head. And I reckon many others have done this process without a legal advice.

  • Mumbles on 03/01/2023 - 14:48

    Did your car have full comprehensive insurance at the time?

    If you had comprehensive insurance then much simpler because your insurance company takes care of the process and pays out any claims though you have to pay excess if you agree to take the blame.

    • sonu1111 on 03/01/2023 - 14:49
      +1

      I had 3rd party insurance and I have paid excess already.

      This is in regard to bodily injury.

  • thatonethere on 03/01/2023 - 16:13
    +7

    This might be interesting - https://www.icwa.wa.gov.au/__data/assets/pdf_file/0019/10219…

    • original15 on 03/01/2023 - 16:19

      Good tip

    • sonu1111 on 03/01/2023 - 16:46

      Thank you.

    • iNeed2Pee on 03/01/2023 - 16:53

      Damn son, this is a scam.
      Great find!!!

    • sonu1111 on 03/01/2023 - 18:33

      I emailed ICWA with person's phone number and name and just now received call from ICWA landline stating that person works for them and it is genuine.

      • thatonethere on 03/01/2023 - 19:21
        +6

        Amazing. Their official approach is exactly what they advise people to ignore?

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