I Have The Worst Luck

[33Spec2]

Well friday night i did the responsible thing and drove my friends so they could drink and whilst dropping a friend home at the end of the night a drunk driver came across, head on from the opposite side of the road at us and i swerved to avoid him but he still managed to clip the side of my car and then continued to drive off down the wrong side of the road and off down some side street didnt stop or anything

of course you dont expect someone to come straight at you so we didnt realise till he was a couple metres in front and all we saw was the headlights and a white sedan leaving me with a bashed rear panel which im going to have to pay for

we had to file police reports but i still have to pay $1100 excess which im not going to be able to afford apparently the damage will be over a grand but from what i can tell it looks like just surface damage can this just be panel beaten? or should i just go through insurance either way im losing out i dont know if i lose my no claim bonus if i have a police report does anyone know?

is it worth trying to get it fixed myself? does anyone know a place i can get it fixed?

just had to share this to show that it doesnt matter how great a driver you are there are alot of dikheads out there and i hope karma gets the tosser

and pay your insurance on time! cause luckily i paid my way over due insurance just a few days before

[Sneeza]

The police report will be enough to find you not at fault and then I am pretty sure you wont lose your no claim bonus. If they find the person who was driving then you will get your excess back because the insurance company will chase the other driver up for the money. Paying $1100 excess will be cheaper than fixing it and you may not even have to pay anything at all.

Jason - maybe you can shed more light on this?

Have you rung the insurance company to see what their policy is on this sort of situation? You can ring and ask without making a claim.

Glad you're ok though

[33Spec2]

yeh i thought about that but really the chances they will catch him are gonna be slim to none

has anyone ever made a claim and they tracked the person down? we dont have plates descriptions nothing

[savage GTR]

some bas... kicked my rear panel but the damage wasnt as bad as yours and it cost $600 to repair {32gtr} insurance paid half with no excess but i had to jump up and down for them to pay. the bas...s plate was stolen so i didint have the info on the other driver so i guess it depends what your insurance comps like. best of luck though

[gazza750]

will be hard for them to trace the other driver without you having gotten the rego plate of other vehicle

[Topaz]

will be hard for them to trace the other driver without you having gotten  the rego plate of other vehicle

<{POST_SNAPBACK}>

Thats what I thought, why oh why didnt you get the plates

[mitchy_]

its hard to notice plates when your first concern is getting the f#&k out of the way.

[33Spec2]

haha yeh unfotunately it was kinda unexpected that a car would come straight at you at 2am in the morning all we saw was the flash of headlights by the time we had realised what happened and done a u-turn he was gone

and usually u expect people to stop once they have hit you

[GTS-t VSPEC]

Sorry to hear Russ, but glad you and all the passengers are ok.

Cheers

Paul

[SLIPPERY]

it wasnt Ben Cousins was it?

[ix9]

^ LOL

Btw - If you have the plates of the car you shouldnt lose your no claim bonus, ex-gf's car got broken into a while back and some witnesses took down the plates which we gave to the cops and filed a report - didn't have to pay any excess!

[Ant97GTR]

I think the ruling goes that you will have to pay the excess because you couldn't identify the other driver. If the police later find the person (and don't hold your breath) you can get the excess back from the insurance company.

And as Paul said glad everyone is ok because oncoming car situations normally work out for the worse...

[Miller the hoon]

Fix your self get quotes dont use insurance 3claims in 5 years u r uninsurable did any 1 no that!!!

james

[randominsanity73]

Unless you have NCB protection then you will lose some of your NCB. It has nothing to do with the fact that you were not at fault, if the insurance company cannot recover their costs then the claim goes against you. It's the same as when some retard hits your car when it's parked and drives off.

Sorry to hear what happened to you! I'd source my own quotes before going through insurance. And when you're getting the quote, don't tell them it's going through insurance, coz it will come out higher. A couple of years back I was quoted $1100 odd to fix a tiny ding in the front of the corolla. I paid cash to a panel beater and it was fixed PROPERLY for $300 lol. Panel beaters rip insurance companies off, because they can.

Best of luck with it

Edited February 20, 2006 by randominsanity73

[33Spec2]

ah damn

i hate insurance companies you cant win can you! if only we saw the plates this is so frustrating

[brocky]

yeah it sucks to have to pay insurance but it can save ya ass (westfarmers are pretty good)

[PHATR32]

westfarmers insure imports?

[_8OO5TED_]

Shannons do, PM me

[EVL R33]

Hey Russ,

Bad luck buddy. Glad you all walked away from it though, could have been a lot worse than just some panel damage..

On another note, do you have a big white Nismo or similar sticker across your windscreen now? Was out with marie on sunday arvo and she was sure she saw ya heading into town?

Anyway, hope you sort it out bud..

cheers

Brett

[Sneeza]

Phatr32 - yep they insure imports with most mods as well. I think you get discount if you are an employee of a company within the group - ie Bunnings, Kleenheat etc