FR33ZN Posted September 12, 2012 Share Posted September 12, 2012 My mate had an accident where he wasn't at fault Both my mate an this guy are not insured He has got a quote so far of around 5gz to fix The other guy wants more quotes , would should my mate do What else can be done ? Police Hav taken an event number and everything Im jus after ppls opinions an experiences Link to comment https://www.sau.com.au/forums/topic/409152-accident-not-insured/ Share on other sites More sharing options...
r32-25t Posted September 12, 2012 Share Posted September 12, 2012 What he should do is learn a lesson and make sure he gets insurance Link to comment https://www.sau.com.au/forums/topic/409152-accident-not-insured/#findComment-6529753 Share on other sites More sharing options...
GTR-N1 Posted September 12, 2012 Share Posted September 12, 2012 You only need to obtain 2 quotes for repair. If the "at fault" driver reneges paying, we already have a thread here in this NSW Subforum of traffic lawyers. Look up one of those & it won't cost much (on his letterhead) to send a "letter of demand" A former SAU.NSW President works in that capacity & is on that list! > Abo Bob Link to comment https://www.sau.com.au/forums/topic/409152-accident-not-insured/#findComment-6529775 Share on other sites More sharing options...
GTR-N1 Posted September 12, 2012 Share Posted September 12, 2012 What he should do is learn a lesson and make sure he gets insurance Brett is giving your mate good advice; because without insurance and if he (whilst "at fault") writes off a new M5, he's up for $200,000 (even if he owns a Sh!tbox)!!!!! Link to comment https://www.sau.com.au/forums/topic/409152-accident-not-insured/#findComment-6529822 Share on other sites More sharing options...
FR33ZN Posted September 12, 2012 Author Share Posted September 12, 2012 Yea got canceled 3 days before the accident , Link to comment https://www.sau.com.au/forums/topic/409152-accident-not-insured/#findComment-6529842 Share on other sites More sharing options...
PN-Mad Posted September 12, 2012 Share Posted September 12, 2012 Got cancelled, or lapsed? I know in the case of an insurance company that I was well acquainted with, if a clients policy lapsed without payment up to a week 7 days, if the client paid for the next years policy, they were able to make a claim. worth looking into- quick Link to comment https://www.sau.com.au/forums/topic/409152-accident-not-insured/#findComment-6529858 Share on other sites More sharing options...
FR33ZN Posted September 12, 2012 Author Share Posted September 12, 2012 Yea got canceled 3 days before the accident , Link to comment https://www.sau.com.au/forums/topic/409152-accident-not-insured/#findComment-6529863 Share on other sites More sharing options...
FR33ZN Posted September 12, 2012 Author Share Posted September 12, 2012 Sorry double post , yea got cancelled Link to comment https://www.sau.com.au/forums/topic/409152-accident-not-insured/#findComment-6529867 Share on other sites More sharing options...
oweban Posted September 12, 2012 Share Posted September 12, 2012 Again, cancelled or lapsed? Big difference. Lapsed, as Alex has said, you can usually pay for next year's premium and then claim. Cancelled implies there's something dodgy and the insurance company doesn't want to touch them...? Link to comment https://www.sau.com.au/forums/topic/409152-accident-not-insured/#findComment-6530294 Share on other sites More sharing options...
Hadouken Posted September 12, 2012 Share Posted September 12, 2012 3rd party as a minimum is what he should have done. Your mate is in headache country if the guy doesnt want to pay. Court and time wasting bullshit that insurance companies love because they are the djew Link to comment https://www.sau.com.au/forums/topic/409152-accident-not-insured/#findComment-6530319 Share on other sites More sharing options...
34GeeTeeTee Posted September 12, 2012 Share Posted September 12, 2012 Isnt the green slip 3rd party? Which means the other car is covered at least? Link to comment https://www.sau.com.au/forums/topic/409152-accident-not-insured/#findComment-6530338 Share on other sites More sharing options...
Hadouken Posted September 12, 2012 Share Posted September 12, 2012 Oh think you are right Link to comment https://www.sau.com.au/forums/topic/409152-accident-not-insured/#findComment-6530339 Share on other sites More sharing options...
34GeeTeeTee Posted September 12, 2012 Share Posted September 12, 2012 Pretty sure that is the point of it! It covers other cars, property etc etc Link to comment https://www.sau.com.au/forums/topic/409152-accident-not-insured/#findComment-6530361 Share on other sites More sharing options...
PN-Mad Posted September 13, 2012 Share Posted September 13, 2012 Nope- wrong town. Greenslip cover PERSONAL injury caused. IE: hit a pedestrian, school kid, or personal injury to the other person/persons in the car accident. It doesn't cover property of people involved. You can get 3rd party property- which covers just things/objects you plough into. And you can get comprehensive that covers both your car, and things you plough into. If you friend is in the right, and someone crashed into him, and the police have noted as such- then he will have to write a letter of demand, as Terry said, with a copy of the two quotes for the amount of money to fix the car. Give him a set time length to pay, and if he doesn't pay up gearbox his doorstep get a lawyer to start proceedings. Link to comment https://www.sau.com.au/forums/topic/409152-accident-not-insured/#findComment-6530407 Share on other sites More sharing options...
34GeeTeeTee Posted September 13, 2012 Share Posted September 13, 2012 i have full comprehensive and always have, but i swear 3rd party property was the Green slip..... Pretty sure my neighbour Crash Bandicoot has had someone write his 4 runner off and its been covered under that? Link to comment https://www.sau.com.au/forums/topic/409152-accident-not-insured/#findComment-6530420 Share on other sites More sharing options...
PN-Mad Posted September 13, 2012 Share Posted September 13, 2012 Pull out your greenslip- says on the top- "compulsory third party personal injury insurance" You don't need insurance if people run into you- however having comprehensive is a benefit because they will do all the work on your behalf. Otherwise, as OPs friend is going to find out, you have to do all the work to get the money yourself. Link to comment https://www.sau.com.au/forums/topic/409152-accident-not-insured/#findComment-6530440 Share on other sites More sharing options...
GTR-N1 Posted September 13, 2012 Share Posted September 13, 2012 Nope. PN-Mad is correct CTP Green slip covers people Third Party Property covers property (but not your own) Comprehensive covers your property and others Link to comment https://www.sau.com.au/forums/topic/409152-accident-not-insured/#findComment-6530446 Share on other sites More sharing options...
crashdown Posted September 13, 2012 Share Posted September 13, 2012 This happened to one of my friends a few years ago, except he was the one at fault. He was sent qoutes from the other guy, but my friend couldn't afford to pay, so he was sent letters of demand, and finally it ended in court. My friend lost the case and had to pay, but because he showed he couldn't afford it, and in doing so would cause finacial hardship to him, the magistrate ordererd that he be able to pay it off at a set rate to the other party. Link to comment https://www.sau.com.au/forums/topic/409152-accident-not-insured/#findComment-6530490 Share on other sites More sharing options...
FR33ZN Posted September 13, 2012 Author Share Posted September 13, 2012 Yea my matt wasn't at fault n he doesn't wanna do payment plan cause his car won't be fixed for ages then Link to comment https://www.sau.com.au/forums/topic/409152-accident-not-insured/#findComment-6530504 Share on other sites More sharing options...
oweban Posted September 13, 2012 Share Posted September 13, 2012 Nope- wrong town. Greenslip cover PERSONAL injury caused. IE: hit a pedestrian, school kid, or personal injury to the other person/persons in the car accident. It doesn't cover property of people involved. You can get 3rd party property- which covers just things/objects you plough into. And you can get comprehensive that covers both your car, and things you plough into. If you friend is in the right, and someone crashed into him, and the police have noted as such- then he will have to write a letter of demand, as Terry said, with a copy of the two quotes for the amount of money to fix the car. Give him a set time length to pay, and if he doesn't pay up gearbox his doorstep get a lawyer to start proceedings. Yep. CTP is for hospital bills and the like. Third party that you get from NRMA, Shannons, AAMI etc covers any other car in case of an accident (where you're at fault), but not yours. Comprehensive fixes your car too. Driving without even 3rd party is one of the silliest things I've ever heard. It's REALLY not that expensive - and it's far more expensive if something happens and you get dragged through the courts. As was said above, imagine you run up the arse of a brand new BMW - all of a sudden, you're getting quotes for $80,000, but if you'd paid $300-odd for 3rd party, sure, your company will NOT like you, but it's not 80k. Link to comment https://www.sau.com.au/forums/topic/409152-accident-not-insured/#findComment-6530508 Share on other sites More sharing options...
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