Accident While Reversing (with Comprehensive Insurance)

LMrDolittle on 05/11/2023 - 13:44
Last edited 05/11/2023 - 16:01 by 1 other user

Hi….need some advice here.

I had an accident while reversing. I was at fault. Admitted it. Have a comprehensive insurance. Gave that guy claim if after calling insurance. It was 6 months ago. Never thought of it again.

Few days ago got a court letter from that guy hired a car and I am liable for $10,000. And another letter for repair work, another $3500.

I called up my insurance. They said don't worry, send us a court letter and another document. They said you have paid an excess. Have a comprehensive insurance. We will take care. You don't worry.

But worries me is court letter. I had 21 days to reply to that magistrate court letter.

Anyone here faced a similar situation.

Any advice would be appreciated.

Automotive Car Insurance Insurance

Comments

  • redfox1200 on 05/11/2023 - 22:30

    unfortunately we can't give advice on ozbargain, especially without the mspaint diagram,

  • Dollar General on 05/11/2023 - 22:31

    Ask to have the matter heard by judge Judy

  • Yola on 06/11/2023 - 09:34
    +3

    I have had this happen. Someone turned up at the house with the paperwork in the evening so could not do anything till the next day. It was stressful. Radiculous misuse of the legal process. Seems a ploy to get you to pressure your insurance company to pay out quickly. Do not worry. You have done everything correctly. It will go away eventually.

  • kaleidoscope on 06/11/2023 - 09:38

    days in notice is the normal figures. your insurance will follow up with everything and you don’t have to worry about this incident again hopefully. cheers for having insurance and doing the right thing, it’s rare these days.

  • H-limelight on 06/11/2023 - 10:53

    had a similar experience, mum had an accident, at fault. It went insurance and a few months later, we got the repair bill that's when I found out she hit an M3 so the repair bill is huge. I forwarded it to insurance and never heard it again.

  • CodeXD on 06/11/2023 - 11:06
    +1

    I called up my insurance. They said don't worry, send us a court letter and another document. They said you have paid an excess. Have a comprehensive insurance. We will take care. You don't worry.

    Who is the insurer? They sound a whole lot better than the stories on here.

    • Euphemistic on 06/11/2023 - 12:38
      +3

      Even if it was one of the less reputable insurers the only response is to forward it to the insurer. You’ve made a claim, paid the excess and that’s the end of it for the claimant - unless your insurer requests more information or the highly unlikely even the insurer would want you as a witness in court.

      Insurers have been playing these games since for ever. It is easy for them to manage.

  • tessel on 06/11/2023 - 14:37

    This is becoming more and more the norm. My father had an accident and only had third party insurance. The guy he hit hired a car, tried to get it from my father's insurance consultant, failed then lodged a court case against my father. Sadly he told us too late, left out a lot of info and days his insurance company said they can't help him. He ended up paying the guy.

    • yamahamoto on 07/11/2023 - 11:24

      So your dad was at fault but never lodged a claim to his insurer until it’s too late? I’m trying to understand this. Normally I would lodge it give the guy the claim number and never speak to the guy again.

      • tessel on 07/11/2023 - 11:27

        Father advised insurer. Yes, he was at fault. Father had third party. That claim was resolved/closed on his end. Then a few weeks later he gets presented with a court letter stating basically he had to pay for car rental fees. He couldn't ignore the letter because of he didn't respond in 28 days the court case would be settled based on the information they had, which would go against my father. My father claims his insurance company couldn't help but as I don't live there I don't know what really happened. I wanted him to fight it but he just paid it. Was about $2500 or something.

        • stumo on 07/11/2023 - 13:01

          He should have passed it on to his insurer. Its still part of that original 3rd party claim. Nekminute he's going to be hit with healthcare damages from stress or unprovable injury lol.

          Next time, make sure he understands that everything is included in the 3rd party's claim - car repairs, infrastructure damage, hire cars, loss of income, everything. usually up to $20M

          • tessel on 07/11/2023 - 13:02
            +1

            @stumo: Told him mate. We said there would be follow-up problems. Unfortunately he paid it. We explained insurance and what the other party had to do regarding claiming. Unfortunately he is at that age where he needs help with stuff, denies he does, leaves out details deliberately and we end up in situations like this. But according to his doctor and others he is sound of mind, so we sit and watch the train wreck in slow motion. Obviously these companies understand this and think it will be an easy win.

  • FlyingMiffy on 06/11/2023 - 14:59
    +2

    Sounds like the other guy doesn't have comprehensive insurance and just got around the paperwork to get your insurance to respond. I wont worry and just let your insurance deal with it.

  • Typical16-bitEnjoyer on 06/11/2023 - 19:59
    +5

    This is an increasing "event". Dodgy lawfirms in cahoots with mechanics and tow companies. All the more reason to make sure you have insurance.

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