Claiming on Other Person's Insurance in Not at Fault Collision

• 

  SBOB on 29/04/2024 - 13:46

  +3

  all of the above

  Can I choose my own repairer and get a hire car? The other party's insurance repair quote centre is an hour and half away so would rather use local repairers.

  if you want to go through the hassle and hurdles of getting multiple local quotes, and sending them to the other parties insurance and negotiating the local repairer is your preferred option. Be prepared for the time spent going to the insurers preferred repairers to be likely be significantly less than the time you'll spend on the phone negotiating and then chasing up your preferred option though.
  They wont just accept a single quote from your 'preferred' local repairer though, unless they are one already on that insurers approved/preferred list.

  • 

    DOGGYWOWWOW on 29/04/2024 - 13:53

    I see I'll try go through my own insurance for repairs so they can sort it out with them but get a hire car sorted from other party's insurance.

  • 

    SnoozeAndLose on 29/04/2024 - 16:38

    +1

    My local panel beater just require the claim number and they will handle the rest.

    They will also provide a hire car, just to make sure that you don't need to pay(excess) if you have accident on the hire car as the other party should cover for insurance on the hire car.

    • 

      SBOB on 29/04/2024 - 16:51

      just to make sure that you don't need to pay(excess) if you have accident on the hire car as the other party should cover for insurance on the hire car.

      but they wouldn't have to pay one on an accident you had in your own car.
      Not bad if you can swing it, but i've not seen that 'clause' before.

      • 

        SnoozeAndLose on 29/04/2024 - 19:25

        I got rear ended and NRMA covered with any accident on the hire car.

  • 

    HeWhoKnows on 30/04/2024 - 12:35

    Lesson learnt why you should not ensure with el cheapo insurers like Bingle without reading their PDS

• 

  spackbace on 29/04/2024 - 13:48

  +19

  Gets cheapest car insurance, is surprised they don't offer all the options…

  • 

    DOGGYWOWWOW on 29/04/2024 - 13:51

    +2

    Last time I got hit and couldn't find the culprit Bingle had my car repaired in 2 days which was much better than my old NRMA policy. Good experience and didn't jack up my premium so I kept them. Maybe I am due for a change in insurer.

• 

  Jimothy Wongingtons on 29/04/2024 - 13:55

  my own insurance (Bingle) but they are only willing to repair at their own repairers and won't provide hire car, they said I must contact the other parties insurance directly for anything else.

  That is usually the case with the lower tier priced plans, no hire car included iirc? Been some years since I actually changed insurer and had to read a pds

  • 

    DOGGYWOWWOW on 29/04/2024 - 13:56

    I just assumed they could claim the costs from the other party since I'm not at fault. I'm guessing they are avoiding the hassle and telling me to claim myself.

• 

  mini2 on 29/04/2024 - 15:22

  +1

  Ask the other party for their insurer details and claim number, and then deal with their insurer directly.

  As long as it's easy to determine who's at fault (and not you), tell the other party's insurer that you intend to use something like Right2drive or those accident-replacement vehicle vultures. They usually cough up a rental quick smart. It's cheaper for them to rent a rental for you than to go through those vultures.

  Find your preferred local repairer, explain what's happening, and they should have a rough idea of what you'll need to do.

• 

  foursaken on 29/04/2024 - 15:23

  +6

  Don't
  Ask
  For
  Legal
  Advice
  On
  The
  Internet.
  It's for porn and bargains. Nothing else.

  • 

    try2bhelpful on 29/04/2024 - 16:32

    +6

    Maybe stay away from bargain porn.

    I went past an adult bookshop that had a sign in the window advertising preloved books, I thought “ewwww”.

  • 

    SBOB on 29/04/2024 - 16:52

    +3

    DAFLAOTII doesnt really have much of an anagram feel though :)

• 

  bazingaa on 29/04/2024 - 15:34

  I was rear ended and the other party has insurance

  What is the condition of your car? too much damage and not drivable ?

  • 

    DOGGYWOWWOW on 29/04/2024 - 15:52

    It's driveable, not much damage so not in too much of a hurry.

• 

  jv on 29/04/2024 - 16:43

  What are my rights in this situation if I claim with the other party's insurance?

  How will you do that?

  You are not a party in the insurance contract.

• 

  JIMB0 on 29/04/2024 - 17:54

  +1

  You can claim whatever you need to be made whole again. Getting them to agree to it is a different matter and may require a lawyer and going to court.

• 

  Euphemistic on 29/04/2024 - 18:17

  If you want to claim on your own insurance you get what the policy determines. Make sure you reas the PImDI to deter.ijenif they are just rrying to stiff you.

  Alternative is to do your own leg work and claim off the other party's insurance.

  You may also be able to to continue your own claim and claim a hire car direct from the other party, but it adds compexity to the situation.

  Choose your own adventure.

• 

  Zippy7 on 29/04/2024 - 18:35

  Dude, we had someone hit our car a few years back.
  Got a free rental as ours had to go on a tow truck.
  I think we used right2drive
  There is no cost to you, but this company claims it back from the other parties insurance.
  Pretty sure there are pamphlets at smash repairers.
  We still claimed via our own insurance and did not pay the excess.

• 

  Legoncy on 29/04/2024 - 19:48

  Hi Mate.
  Go to any panel shop they will be able to seek the repairs from the insurance of the at fault just provide a claim number.
  They will also be able to provide a Not at fault hire vehicle.

  Mod: Selling/soliciting sales removed.

  All the best