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Yeah never been sure how that goes, but if you're not at fault and it's clear cut, then I can't see you losing (apart from market value probably being lower than what you could sell it for)

If you had insurance they'd fix your car and recoup their costs with the at fault owner/their insurance company

With him at fault, they'll have to pay you something...probably market value as you're not insured and don't have an agreed value..

I have 3rd party insurance.

Person reversed into my guard. Person had full comp RACV

Got quote from Micolour.

Person called saying their insurance wants to know if price to repair is less than insurance claim excess. I said no, proceed with claim.

Dropped car off at Micolour. He did all the calling, assessement etc

Got cheque in mail from RACV, cashed it and handed in to Micolour + extra for front end spray :)

If yours is a write off, no panel beater is going to do the chasing for you, so you would have to do that yourself :(

My friends car was written off. He kept the wreck, paid a valuator to come and value his car (cost him $300). Sent a letter to the person at fault demanding valuation amount + cost of valuators time. He would then pass that onto his insurance i believe.

Don't get how people driving nice cars can have only 3rd party or no insurance.

If you have thrd party and some uninsured driver hits you you're f**ked. Your insurance company won't chase anything for you (because you only have 3rd party)

Don't get how people driving nice cars can have only 3rd party or no insurance.

If you have thrd party and some uninsured driver hits you you're f**ked. Your insurance company won't chase anything for you (because you only have 3rd party)

That's not entirely true, depending on your policy...my old RACV third party policy had a clause where they would chase up an uninsured third party for you. I think the cover only stretched to $5k though...the rest you would have to sue for yourself. But I do agree, any car over 10k value and I'd be insuring it full comp, because shit happens and as seen in the above example, it doesn't even have to be your fault.

shit was f**ked up at work today.

hear this crazy screaming of a small child and a mother, the kind of scream you only hear when some real shit has gone down.

run outside to see what has happened and all the cars in the carpark have stopped and people are chasing this little dog.

i look over to the left and this little girl has just had half her forhead ripped open by a fkn miniature poodle puppy!

blood everywhere!

Fk I'm not comin wasteland no more from pedos to dead people back to pedos to little kids with there head ripped open by dogs shots depressing

+1 rename the thread to - "Vic Pedos, food, dead people, complaining about P plate laws, Shans daily flame, little kid gets head bitten off by a bitch dog depression thread"

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