Car Accident - Help

iceteacake on 14/03/2025 - 18:58
Last edited 15/03/2025 - 10:51 by 2 other users

I had a car accident about a few weeks ago and I know I was at fault.

I drove out from the driveway and then a car hit me. I lodged the insurance claim and now the insurance said that I hit the wall, due to the colour scratched on my car “was different”. The other car was silver/beige and they said it was “white paint”. I argued and said it was an accident and not hitting the wall.

They said that they can only fix the front and front door (driver side) not the rear passenger side (right side) as it was hit by a wall. I also mentioned that my car may have issues with the aircon (when I turned on it was hot).

They are telling me to get my car back from the repairer as they cannot store my car there. They even said that they will get my car towed back to my place. I refused as I said no one will be there and I don’t have the time to go back and forth. They have raised this matter further and sent an email giving me the claim number.

What can I do to raise this matter further and get the outcome that I want - that is to get my car fully repaired.

Automotive Car Insurance Insurance

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Budget Direct
Budget Direct

Comments

      • vorsprung on 15/03/2025 - 09:23

        The underside of the roof of course.

        • Seraphin7 on 15/03/2025 - 14:05
          +1

          Driver's roof or passengers?

    • xuqi on 15/03/2025 - 10:22
      +6

      Rear passenger seat (don't ask which) no longer folds down..

      • MS Paint on 15/03/2025 - 10:49
        +4

        FFS if I drank coffee I would have spat it out. Gold.

      • Muppet Detector on 16/03/2025 - 11:37

        At least there is no white paint on it. Can include it in this claim.

  • Loopholio on 15/03/2025 - 08:43
    +2

    Take photos of the damage and post them here. There have been far too many people asking for help to commit insurance fraud on these forums to blindly trust anyone.

  • lachhelix on 15/03/2025 - 14:10
    +3

    Lmao Budget Direct - enough said

    Too busy spending money on creative ads to pay out any claims

    • BartholemewH on 16/03/2025 - 01:52
      +2

      They paid out my total loss claim at a reasonable market rate and very promptly. I was actually surprised. OP is trying to see how much of their car they can get replaced off one excess.

      • lachhelix on 16/03/2025 - 02:45

        My experience is they've been very hit or miss - as for old mate OP trying to scam more repairs out of the insurance company, I'm 100% with you

        • StalkingIbis on 16/03/2025 - 08:49
          -2

          youre happy for your premiums to go up because of this guy and other people like him?

  • gromit on 15/03/2025 - 16:42
    +2

    Post your photos, should be easy to take it to another assessor to get their view. Note if there really is damage from 2 incidents any decent assessor will be able to spot it, likewise if it is all from a single impact it should be an easy thing to get an expert view it and write a contrary report then you can take to ombudsman. If I was you I would also be picking the car up, otherwise you could end up liable for other costs like storage or towing.

  • askbargain on 15/03/2025 - 17:25
    +3

    Will you be making a forum post when insurance is due for a renewal?

  • imurgod on 15/03/2025 - 18:08
    +5

    Budget Direct are one of the worst insurers out there. They are terrible with anything to do with claims and recovery.

    Anytime we come up against a BD third party claim, we destroy them so easily.

    They were even sued by ASIC!

    Like Youi and the rest of those cheap and nasty insurers, all they have is snazzy ads and nothing behind them.

    • xuqi on 16/03/2025 - 15:13
      +2

      'Budget' in name, budget in nature…

  • lonewolf on 15/03/2025 - 19:35

    I have always been with NRMA for me and my parents. I recently moved to GIO but my parents are still with NRMA, I find NRMA has dropped down in standards as well but mainly its the repairers they use that seem to be the issue. I am not sure about GIO, do people feel GIO is safe like NRMA , AAMI? Or are they closer to the dodgy end like Budget direct and co?

    • MS Paint on 15/03/2025 - 20:17
      +1

      This may be of interest to you

    • ihbh on 16/03/2025 - 10:21

      I have always been with NRMA

      So you were happy to restart your years of loyalty discount?

      IAG (NRMA brand, etc.) is biggest, Suncorp, second biggest retail insurer in Aus, so if their repairers are the issue, goodness help Australia.

      • lonewolf on 16/03/2025 - 17:58

        NRMAs repairers used to be perfectly fine when i have used them like 10+ years ago, but the last 10 years, they changed and use a different set and they have been useless. And i mean like both times my parents car has either come back with more damage (A lot more, i couldnt believe it) OR the repairs werent great and they didnt do a good quality check .

    • imurgod on 17/03/2025 - 08:06
      +1

      NRMA push for cheap repairs from what I understand.

      That's why lots or repairers won't do work for them anymore.

      • lonewolf on 17/03/2025 - 12:34
        +1

        yes this is what i figured had happened. Part of the issue also is the repairers are actually dodgy, every time i have used them, they have tried to upsell or even ask for more money on the side . Then like i said there was extra damage almost like my cars were used as hire cars while they were there plus every repair has come back with issues.

        • imurgod on 18/03/2025 - 18:28

          If you saw some of the complaints….

          I reckon they're left with only the most desperate, dodgy repairers who are willing to do sub-standard work as literally every repairer I deal with has stopped doing any work for them.

          At least NRMA, as rubbish as they are, don't come off risk after a claim and leave you basically uninsurable.

  • churningNburning on 16/03/2025 - 06:26
    +3

    Sorry to hear they are playing these games with you, though not uncommon with Budget.

    I'd just like to share this with you. Two of my friends have recently had car accidents, one at fault the other not at fault (both full comp) In both cases it's taken them roughly 14 weeks (give or take) to have their vehicles repaired though Budget. At fault had their insurance renewal DENIED.

    When this mess is over, obviously you'll be shopping around. You may have to pay a higher premium but less chance of this happening - if it happens, again.

  • kaleidoscope on 16/03/2025 - 09:04
    +3

    Sorry for your troubles. It seems like you’re no saint either OP as you’re trying to claim damages for separate incident and mal functioning aircon through this one.

    With budget direct you get what you pay for.

    • TightAl on 16/03/2025 - 21:55

      Aircon is lol

  • bashar20 on 16/03/2025 - 22:05
    +2

    Op Either post photos or Mods close this thread.

  • voo123 on 16/03/2025 - 22:08

    At least OP has comprehensive insurance, thats a big plus!
    Imagine the vitriol and disgust in this forum for an uninsured accident.

    Now, we need photos to give further advice given the air con issues being raised in the claim arousing more suspicion.

  • douevenozbargain on 17/03/2025 - 10:20
    -5

    How does this have anything to do with a bargain website?

    • kaleidoscope on 17/03/2025 - 10:22

      Its posted in forums not as a deal now isnt it 🤨

  • douevenozbargain on 17/03/2025 - 10:52
    -4

    "I had a car accident about a few weeks ago and I know I was at fault"

    End post

    • screensaver on 17/03/2025 - 20:19

      so you are the boss now

  • trapper on 17/03/2025 - 14:47

    Can you post some photos?

    It’s hard to understand how the accident could have caused damage to both the front driver's side and the rear passenger side. Were you pushed into something else as well?

    • gromit on 17/03/2025 - 18:17
      +1

      that was clarified in other discussion, sadly he did not update the post. basically he didn't understand the meaning of the words passenger side and drivers side. All damage was to the drivers side front and rear doors.

  • alexdagr8 on 17/03/2025 - 23:43

    Good luck. Budget are the worst.

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