In a Dielma,New Car Insurance.. Guy won't own up to it...Not happy.

[sgt_doofey]

Why bother yourself with him? Set your insurance company on to him and be done with it. All you'd have to do is sort out when to get your car professionally fixed.

[elusiverunner]

Look I don't know who you are insured with, but if you only have third party property damage then the insurance company is not going to raise an eyebrow to help.

I don't know what it is like where you are but it isn't like that in NSW. Even if you are not at fault you will find the insurance company is not going to pay to help. Let me know if this is the case or if they will pick up the tab. If it is the case why bother having comprehensive insurance as long as you are never at fault.

[Yaw]

Most third paty property insurance has whats called an "UNISURED MOTIRIST EXTENTION" which depending on who you are insured with will cover your car up a certain amount, Most cases $3000-$5000. As already stated if you have the guysn name, address, and rego you lodge a claim under the UME part of the policy. Some insurers will require a letter from the other person stating they are not insured however.

[magoo66]

Originally Posted by Yaw

Most third paty property insurance has whats called an "UNISURED MOTIRIST EXTENTION" which depending on who you are insured with will cover your car up a certain amount, Most cases $3000-$5000. As already stated if you have the guysn name, address, and rego you lodge a claim under the UME part of the policy. Some insurers will require a letter from the other person stating they are not insured however.

I used to work in the insurance industry for about 10 years, the answer to your question is here. As Yaw and a few others have told you already, most insurers have an Uninsured Motorist Extension on their Third Party Property Damage policies. What you need are facts, not opinions, so instead of soliciting opinions from all of us "Eddie Experts", get out your policy booklet, have a look at it and then call your insurance company. If you have TPPD insurance you should be fine, unless of course the third party you refered to is only CTP, in which case you are probably screwed.

[bob^]

Originally Posted by Grimus

would you be happy to go to the wreckers to get another panel/door if some ran into your car ?????

i dont think you would so why should the op do the same ???

it may only be a $2g car but that is not the point here what if it was a $30 g car would you just go and get another panel / door

Grimus

The point is all the hassle you have to go to, to get that money. Yeah teach him a lesson bla bla bla he was at fault. But he already sounds like a pig who's going to make life extremely difficult, and for the sake of under $300 or so to get a new door and make everything sweet again, I know what I'd be doing.
Not worth the stress, heartache, and running around.

[fmc351]

Originally Posted by bob^

Not worth the stress, heartache, and running around.

Unless he has UNINSURED MOTORIST EXTENSION cover on his 3rd party property, fire and theft insurance mentioned about 4 times in this thread. Its a nice little bonus some insurers throw in with the cheaper insurance policy, but not all do it.

Do you just have CTP (rego insurance) or another policy like 3rd party property, fire and theft?

[pauljh74]

The other guy tried to overtake when it was unsafe to do so - don't know how he could pin the blame on you. Your car was moving right, not left. If you didn't indicate as he claims, then how did he know you were pulling over to the left? Until you were actually pulling right over to the left and stopping, he has no reason to be confident that is what you were about to do.

Keep at him and make the mongrel pay the full repair cost.

[Penelope Pitstop]

Originally Posted by elusiverunner

Look I don't know who you are insured with, but if you only have third party property damage then the insurance company is not going to raise an eyebrow to help.

I don't know what it is like where you are but it isn't like that in NSW. Even if you are not at fault you will find the insurance company is not going to pay to help. Let me know if this is the case or if they will pick up the tab. If it is the case why bother having comprehensive insurance as long as you are never at fault.

RUBBISH - What a load of rot. I work for a national insurer and we offer it. I just checked out NRMA and they offer it.

I get so sick of armchair experts who waffle on crap and argue about things that they clearly know nothing about when there are actual professionals on here offering accurate, proven advice.

The reason why you need to have Comprehensive Insurance is in case you are not perfect and have an accident where you are at fault whether there is a third person involved or not. Also a lot of accidents/damage to cars occurs without the insured being able to identify the culprit. In this case having Comprehensive will mean your vehicle gets repaired.

Ash is actually lucky in this case because he knows the details of the third party. I have successfully managed many claims in your exact circumstances Ash. Call your insurer and get it sorted out. You shouldn't even have to pay excess.

[SM1DY]

Dig your heals in mate....make it as hard as possible for this guy. Whatever you do, don't let him off scott-free.

[Hybrid34]

Originally Posted by pauljh74

The other guy tried to overtake when it was unsafe to do so - don't know how he could pin the blame on you. Your car was moving right, not left. If you didn't indicate as he claims, then how did he know you were pulling over to the left? Until you were actually pulling right over to the left and stopping, he has no reason to be confident that is what you were about to do.

Keep at him and make the mongrel pay the full repair cost.

Thats exaclty right, he kind of contradicted himself...and paid for it not admitting to fault, threating to bash me..so i called the police and he got booked..

Originally Posted by Penelope Pitstop

RUBBISH - What a load of rot. I work for a national insurer and we offer it. I just checked out NRMA and they offer it.

I get so sick of armchair experts who waffle on crap and argue about things that they clearly know nothing about when there are actual professionals on here offering accurate, proven advice.

The reason why you need to have Comprehensive Insurance is in case you are not perfect and have an accident where you are at fault whether there is a third person involved or not. Also a lot of accidents/damage to cars occurs without the insured being able to identify the culprit. In this case having Comprehensive will mean your vehicle gets repaired.

Ash is actually lucky in this case because he knows the details of the third party. I have successfully managed many claims in your exact circumstances Ash. Call your insurer and get it sorted out. You shouldn't even have to pay excess.

yeah thanks for that, I will call them up Im with Just car insurance 3rd party fire and theft...
http://www.justcarinsurance.com.au/l...y-Brochure.pdf page 22

Guys basically I called the guy tonight after getting a quote ($1200 to get it fixed) the guy who hit my car said that is way to expensive and that he's a spray painter himself..in Hayward street, ferntree gully vic...
he said to bring the car down on wednesday and he will buy a new door and fix it all up...sounds a bit sus to me
Where to go from here?
Cheers again
- Ash

[PepeLePew]

Dont work with the other party directly if you can go through insurance....

If he didnt do it himself he'd have a 'mate'. Wouldnt you try to get away cheap if you had the opportunity and an attitude like his? Depends if you like your car ;)

[68XTFairmont]

My earlier post was a bit tongue in cheek, definately don't go around there with mates. Try a phone call to your insurance company and see if they will help, if not try and find a cheap replacement door but also get some quotes on a proper repair and send off a letter trying to bluff the bloke into paying.

p.s. if he doesn't already know your address try using a p.o.box for him to respond to

[Yaw]

Originally Posted by Hybrid34

Thats exaclty right, he kind of contradicted himself...and paid for it not admitting to fault, threating to bash me..so i called the police and he got booked..

yeah thanks for that, I will call them up Im with Just car insurance 3rd party fire and theft...
http://www.justcarinsurance.com.au/l...y-Brochure.pdf page 22

Guys basically I called the guy tonight after getting a quote ($1200 to get it fixed) the guy who hit my car said that is way to expensive and that he's a spray painter himself..in Hayward street, ferntree gully vic...
he said to bring the car down on wednesday and he will buy a new door and fix it all up...sounds a bit sus to me
Where to go from here?
Cheers again
- Ash

Let your insurer worry about it,,,they will recover the cost from him. Follow your insurer's advice. IF you accpet work from him and there are quality issues, you need him to warrant the work...which of course he won't.

[bob^]

Originally Posted by fmc351

Unless he has UNINSURED MOTORIST EXTENSION cover on his 3rd party property, fire and theft insurance mentioned about 4 times in this thread. Its a nice little bonus some insurers throw in with the cheaper insurance policy, but not all do it.

Do you just have CTP (rego insurance) or another policy like 3rd party property, fire and theft?

Of course, that is a given. I was merely pointing out something with regards to another poster.

Back to the main point - I imagine Just Cars has some sort of warranty they offer on the repair? You wouldn't get any of that if you let him spray up a new door. Definitely let the experts chase him about it.
As I said in an earlier post, things like this aren't worth the heartache and the hassle. Let someone else deal with it if you can.

[Jason[98.EL]]

was looking at your policy statment and found this in page 3

You may not think your car is worth insuring, but what about the damage
it could cause to other people’s cars or property?
When you purchase Just Car third party property damage insurance, we will:
protect you against claims for damage that your car causes to other
people’s property. We will pay up to $20,000,000,
cover you for up to $3,000 damage caused to your car by an
uninsured motorist,
cover you for loss or damage to your car caused by fire or theft,
when you have paid for that extended cover,
give you the same rating/discount you would have earned had you
always been comprehensively insured when you change from our
third party property damage insurance to comprehensive cover.
Simply call us on 13 13 26 and we will take care of all the details for you.

so you are covered for up to $3000 for damage to your car by an uninsured driver so if i was you i would ring JUST CARS and let them deal with it

Grimus

[vbtruk]

some guys here are right, you have to speak to the insurance co and see what they say. They will tell you what you can and can't do with your policy.

I have had a similiar situation with my XD ute which was written off on 3rd party.
If you do not go with Insurance.
1) do not let him touch your car.
2) you will find in these situations it's not always worth chasing down people and trying to prove a point, waste of time and money plus you cant educate people.
3) whether you Get another door and fix it your self or get some one else to fix it settle on a reasonable price that he will pay.
4) move on with your life.
Look i have been their and done that and sometimes in life these things will happen and you have to know when to cut your loss'. Not meaning that you let people get away with these things but simply that you can't always hunt down for exactly what you want or what should be right with 3rd party.

It's not a great deal of dammage and IMO is not worth large amounts of stress if the car was bent or heavily damaged then yeah i would be going to court but for a door i would settle on a price with the guy get the money and forget about it. You will probably be able to find another door for relatively low cost maybe the same colour and still end up in front if he pays you the $400. BUT SPEAK WITH JUST CARS and work with them if you can.
I find that most people with insurance are affraid to call them, esspecially with full comp.
BOB i am with you on this one.

[Pinch]

Yeah, your insurer will cover it (as above) so let them sort it. I for one would never EVER trust anyone who had hit my car and then threatened me to then fix it. Asking for trouble.

He did the wrong thing, he was an idiot about it, he was uninsured - you owe him nothing! Get if fixed properly (with warranty) and let the professional insurance people deal with it. If the quote is $1200, then so be it. That is his problem, not yours. He saved money by not insuring his car, he hedged his bets and came unstuck. It was a deliberate action on his behalf so I would lose not an second of sleep going though insurance. You went to the trouble of getting 3rd party prop damage insurance so if you had of hit him he would be covered. Make no concessions for this idiot. If I had decided to self insure like this guy I especially would not be driving like an idiot either.

Third party property with uninsured motorist extension is a good policy. Only thing you don't get is cover for your car damage if at fault, storm damage, unidentified at fault, and uninsured motorist extension cover above the 3rd party prop limit of $3K to $5 k etc. Its a cheap and effective solution for older cars, protects your legal liability for damage you cause and is a godsend in situations like this.

[Sam_Boss260]

As its been said, do not let him near your car. You are asking for trouble. Just go through the insurance and let them sort it out with him.

[geckoGT]

Originally Posted by Hybrid34

Guys basically I called the guy tonight after getting a quote ($1200 to get it fixed) the guy who hit my car said that is way to expensive and that he's a spray painter himself..in Hayward street, ferntree gully vic...
he said to bring the car down on wednesday and he will buy a new door and fix it all up...sounds a bit sus to me
Where to go from here?
Cheers again
- Ash

For a start, if you are not happy with the work, there is no warranty.

More importantly, this moron has already threatened you with violence. How can you be sure he will not have a heap of his moron mates around when you drop off the car to teach you a lesson. This sort of thing does happen, I have been to the results.

You have been smart and done the right thing having the insurance, now do the smart and safe thing, pass it on to your insurer and let them handle it. That is the most financially safe, time efficient and personal health intelligent thing to do.

[Sorted]

He has been booked by the police - even if he denys it he cant get out of being at fault - sweet sweet justice

[Hybrid34]

Originally Posted by geckoGT

For a start, if you are not happy with the work, there is no warranty.

More importantly, this moron has already threatened you with violence. How can you be sure he will not have a heap of his moron mates around when you drop off the car to teach you a lesson. This sort of thing does happen, I have been to the results.

You have been smart and done the right thing having the insurance, now do the smart and safe thing, pass it on to your insurer and let them handle it. That is the most financially safe, time efficient and personal health intelligent thing to do.

Unfortunately insurance company wants me to get a signature from him verifying that he was uninsured at that time...if he doesn't want to sign it then I have big problems, as Im going to have to go to court and so forth which is a very long process..
or I can ask him for $500 cash and I'll do the job myself (along with my mechanic)

Cheers
- Ash

[sgt_doofey]

I would query your insurance company about that. That should be their problem, not yours. Stick with the insurance company. It should be the easiest and safest option.

[pauljh74]

Originally Posted by Hybrid34

Unfortunately insurance company wants me to get a signature from him verifying that he was uninsured at that time...if he doesn't want to sign it then I have big problems, as Im going to have to go to court and so forth which is a very long process..
or I can ask him for $500 cash and I'll do the job myself (along with my mechanic)

Cheers
- Ash

I'd keep on the insurance company too - tell them he has already threatened you once, having to confront him and ask him to sign something may cause him to get annoyed and perhaps carry out his threat this time.

I just read the policy statement - it says you have to satisfy them the driver isn't insured - damn. I'd then ask the police what assistance they can provide, whether it be organising a meeting at the station, or accompanying you to his place. The guy has previously threatened you, you have reason to be cautious.

As for admitting fault - it's no surprise he wouldn't admit fault - even if he was insured, most insurance companies tell you not to admit fault. But on the flipside, if I caused an accident I wouldn't be abusing/blaming the other guy either. I'd give my details and tell the other party it will get sorted out and get the claim started ASAP.

[Sorted]

So admission of fault is not an issue here as the Police Booked him and thats usually good enough for all insurers.

As pauljh74 advise Just Car that he has already threatened you and approaching him again would not be in your best interests.

Then if you do approach him, on the recommendation of Just Car and he does attack you Just Car could be held somewhat responsible for this situation.

Then ask them in your situation how are you supposed to get proof off him being un-insured - you cant call every insurer and ask if he is insured with them due to privacy laws :

[calais]

As for Just Car requiring YOU to prove that he was uninsured is a dangerous practice in this situation particularly. I would be clearly stating this to Just Car and asking why the procedures for obtaining a service you have duly paid for is prohibitively difficult.

Its just like they have asked you to make him admit liability which in the first place he clearly wouldnt do. As for getting police involved, well its your only option, if you were to do something silly like go around with a bunch of mates you would end up looking like he did in the first place, an apsolute pork chop. I had always assumed that insurance was to take the burden OFF you after such an event.

Good luck mate,

Ash.

[GT0132]

Originally Posted by Hybrid34

He got booked for tailgating and not leaving enough room between cars..Im stuck with a F**kd door and a ****a who doens't have any insurance (still thinking he was in the right)....

The fact he got booked...wouldn't that imply fault on his part?.....I agree that it's not worth full comp insurance on your EB if a 12 mth premium cost more than your car's worth...but even with 3rd party property, if fault can be determined I'm sure your insurance party would pursue him....If not then the cost of the legal battle would be 20x the cost of a second hand door....I know in principal he should cough up...but mate, as others have said $50 for a used door is a small price to pay compared to the potential legal bill and even then you could lose.....Its a no win situation ...and its just a shame your'e innocent in all this.

[Hybrid34]

To all the above replies,
Unfortunatly, I have told the insurance company that he was at fault and got booked by the police, They still said they need written confirmation (or signature) or him to call the insurance to admit he was at fault and didn't have insurance (as if that is going to happen) espeically with this guys attidude and status in life...

As far as getting police involved when they came, they said to me we usually don't come to call outs like this (even though he was threatening me), So I guess as far as the police go, I'll have to get bashed or hit before they "technically" should come out..go figure:S...
Not only this, but I thought because this guy isn't cooperating with me, i'd go to my local police station (brandon park) and ask if they could call to speak to him..
They basically didn't want to know me, saying its a civil matter now..go get a solicitor..

Stick situation I am in as you all can see ..
Cheers
-Ash

[Buddy 1]

Originally Posted by geckoGT

For a start, if you are not happy with the work, there is no warranty.

More importantly, this moron has already threatened you with violence. How can you be sure he will not have a heap of his moron mates around when you drop off the car to teach you a lesson. This sort of thing does happen, I have been to the results.

You have been smart and done the right thing having the insurance, now do the smart and safe thing, pass it on to your insurer and let them handle it. That is the most financially safe, time efficient and personal health intelligent thing to do.

Great advice

He was Booked & you have his details so Take the great Advice offered by Gecko (you will not need to get him to sign anything either) Insurance company will handle it.

Police are already involved & it is official as they Booked Him.

Tell Insurance Company to talk to them, they cannot be very good if they do not want to Handle it for you (who are they).

Be Assertive with the Insurance Company

And then sit back & have a Beer or 2

[Buzz Box]

+1 For the civil its a small claims and court for you.

(If you can find him again......)

[atec77]

Originally Posted by Hybrid34

So I've just brought myself another car 2days ago(runabout on gas) 92 Fairmont Ghia Full leather, sunroof, leccies all the nice stuff, went to pick up me mum from work and this happens....

I indicate and slow down as most would to turn into a house, as I start to turn some ****a in a Bombed up HQ wagon tries to overtake me tboneing me wrecking my rear RHS door....he gets out starts going off his head saying its my fault, that I didn't indicate..and that He thought i was pulling over to the left,..
Almost punching on with him as he was threating to bash my face in mum came out n called the cops...
He got booked for tailgating and not leaving enough room between cars..Im stuck with a F**kd door and a ****a who doens't have any insurance (still thinking he was in the right)....

So I have to ask, I have third party, He has no insurance, he is in the wrong..how Do I go about fixing the door? (expense wise?)

Though i'd get it off my back as Im pretty ****ed off about it...
-Ash

[/IMG]

Take it to your insurance , you have proof of threatening so they HAVE to deal with it as the onus is the offender to prove otherwise , all it takes is a letter of demand from the insurance... stand your ground and sson as it's fixed find a better company