One of Oz Bargain's favourite topics. Let's see what the experts have to say.
Get Oz Bargain's favourite comments out of the way first:
- Yes, the person has comprehensive car insurance.
- Yes, a claim has been lodged, excess paid and the insurance company is dealing with it.
- No dash cam.
- MS Paint attached.
- Accident occurred in NSW.
- Not my car, not my accident but I am curious what others think.
Hopefully the image is self-explanatory.
- 4 unbroken lines
- Each side has a parking lane.
- Black vehicle was coming from the left lane and turned right into the driveway to reverse park against the kerb.
- There were no incoming cars in the right lane.
- As the person in the black car was reversing to straighten the car out in the parking lane, the other driver (red car) who had his car parked on the left, decided to make a U turn, failed to see the black car reversing and as a result the two cars collided.
The insurance company sees this as black and white. The car that is reversing is automatically at fault and other details are irrelevant.
From my perspective, the person reversing has a duty of care to keep a proper lookout, so they don't hit anything or anyone. They would usually be at fault.
However, I am not sure if the black car should be deemed at fault in this instance. What's stopping someone with a shit-box doing a sudden turn into someone that is reversing and then lodging a claim because they can? This question was also put forward to the insurance company and they said the reversing car is always at fault. hmmmm..
MS Paint: https://ibb.co/DfsFMDj
MS paint my butt, that's a nice diagram.