Accident Not Insured

[FR33ZN]

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

[r32-25t]

What he should do is learn a lesson and make sure he gets insurance

[GTR-N1]

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

[GTR-N1]

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)!!!!!

[FR33ZN]

Yea got canceled 3 days before the accident ,

[PN-Mad]

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

[FR33ZN]

Yea got canceled 3 days before the accident ,

[FR33ZN]

Sorry double post , yea got cancelled

[oweban]

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...?

[Hadouken]

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

[34GeeTeeTee]

Isnt the green slip 3rd party? Which means the other car is covered at least?

[Hadouken]

Oh think you are right

[34GeeTeeTee]

Pretty sure that is the point of it! It covers other cars, property etc etc

[PN-Mad]

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.

[34GeeTeeTee]

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?

[PN-Mad]

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.

[GTR-N1]

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

[crashdown]

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.

[FR33ZN]

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

[oweban]

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.