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Discussion: Insurance

in: tRicky; tRicky > 2017-11-22

Nov 23, 2017 10:40 AM # 
jennycas:
Surely she can't be at zero fault?
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Nov 23, 2017 11:25 AM # 
tRicky:
I think she was just sitting there waiting for me to move and I backed into her. She wasn't there when I first started to reverse but I had stopped, thinking I could turn left to exit when the other car appeared and I backed up further without checking. I hate driving.

Turns out I can't just bash my bumper back out because it has these weird plugs holding it on so when you take them out, they don't go back in. The panel beater said he'd order in a new one but I'll see how much the other driver's damage is first before deciding whether to replace it or not. If hers is minimal then I won't bother but then I know how much people like their cars looking perfect so maybe she'll find something else wrong with it (gosh I'm a cynic, I'll ask for the bill at least). Not like I care about resale value on my car because I usually drive them until they fall apart, one way or another.
Nov 23, 2017 11:38 AM # 
tRicky:
I can't wait for this year to be over. I've had a gutful of 2017.
Nov 24, 2017 3:05 AM # 
jennycas:
I hate carparks. Also, aren't you entitled to ask her to get two different quotes?
Nov 24, 2017 3:11 AM # 
tRicky:
Possibly, I don't know. I just listened to a message from my panelbeater received today saying they've ordered in my parts and they'll let me know when they arrived. I only went in for a quote - I never asked them to go ahead with it! I've not even received the quote.
Nov 24, 2017 3:17 AM # 
tRicky:
Rang my panelbeater, apparently it's >$800 just to replace my stupid bumper! I thought they could take it off and hammer out the dent. I imagine the other girl's repair is going to cost a similar amount so I'll probably end up doing it anyway and shelling out the excess (I got them to cancel the order in the meantime).
Nov 24, 2017 3:26 AM # 
jennycas:
I was really lucky the 2 times that someone ran into me:
1) the father of the girl who rear-ended me owned a panel-beater's, and they could fix my car free of charge while I was in NZ;
2) the father of the young guy who sideswiped me was a QC, and his son had been drinking beer, so he paid me directly (after I got 2 quotes) rather than going through their insurance which could have involved some interesting questions...
Nov 24, 2017 3:44 AM # 
tRicky:
Well this is the first time in my 20+ years of driving that I've been involved in a car-on-car incident. I like to pick new features every now and then having in the past been involved in car versus petrol bowser (when learning to drive, that was just a nudge); car versus overhanging tree (took out my windscreen); and car versus fence and boulders - not to mention bike versus pole!
Nov 24, 2017 4:09 AM # 
simmo:
Assuming both you and she have fully comprehensive, wouldn't you just let the insurance companies handle it, then you'd only be liable for whatever your excess is?
Nov 24, 2017 2:14 PM # 
tRicky:
Her insurance isn't involved but the issue is that my excess is $800 so I was waiting to see if her repairs were less than that before using insurance. $800 eats a bit of a hole in my current earning capacity.
Nov 24, 2017 10:36 PM # 
tinytoes:
It doesn't take much to get to $800 from our experience last year when our new car was sideswiped by a truck.

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