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The Pub For General Automotive Related Talk |
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#1 | ||
1979 ZJ Fairlane 302c
Join Date: Dec 2008
Location: Sydney
Posts: 265
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Alright the story goes like this i was driving in December 08 in a 70kph zone leaving what i thought was to be an appropriate gap, now the lady in front slams on her brakes, and i jump on my brakes i was driving an old nissan now my car impacted hers leaving glass from my headlights in her rear bumper but apart from that there was no real damage.
she got out of the car and started blaming the whole accident on me and apparently i pushed her into the car infront which she has no witness for, and i also heard a bang before i hit her, i went to inspect the front damage on her car and there was a very minor ding in the front plastic bumper which could have been pushed back out by hand, we exchanged details and her and myself made a personal agreement that i would pay half her premium even though i felt the accident was caused by her not slowing sooner and indicating around the stopped car (in a clearway) now the insurance company calls me demading $2000 when myself and her had a personal agreement i would pay half her premium ($300) now at that point in time i have no job or no centrelink i explain this too them and they still demand $2000 and now the story has all of a sudden got a dog running across the road wich no one mentioned at th accident also no police report was filed, any ideas on what i can do to prove the accident was not my fault or even just pay the money we agreed upon (half her insurance) as i dont just have $2000 laying around. :togo:
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CARS:1979 ZJ Fairlane 351 DuelFuel |
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#2 | |||
GT
Join Date: Apr 2005
Location: SYDNEY
Posts: 9,205
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Quote:
yep . GET A LOAN , and pay the insurance company . not only are you stupid . trying to convince us that it's her fault . but you didnt report it to the police . /or get witnesses . you think on centrelink payments you can take on an insurance company? file bankrupcy . or get a loan . stop being silly . i'm sorry buit thats the way i see it . OBVIUOSLY YOU WERE STUPID and didn't have insurance anyway . people that do this increase the insurance premiums that responsible people have to pay. |
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#3 | ||
FF.Com.Au Hardcore
Join Date: Dec 2004
Location: Canberra Region
Posts: 8,949
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Just tell them all you can afford is $20 a week because you are unemployed. They basically have to accept that.
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2016 FGX XR8 Sprint, 6speed manual, Kinetic Blue #170 2004 BA wagon RTV project. 1998 EL XR8, Auto, Hot Chilli Red 1993 ED XR6, 5speed, Polynesian Green. 1 of 329. Retired 1968 XT Falcon 500 wagon, 3 on the tree, 3.6L. Patina project. |
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#4 | ||
GT
Join Date: Apr 2005
Location: SYDNEY
Posts: 9,205
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feel i need to add something here . this post can be taken as a personal attack #1 . i'm not implying your stupid . but i think the decisions you made which lead to this situation was foolish . thats all . take it as a lesson . i've been there and done that . it's a lesson that backfires on us . it cost me a bit finding out the hard way . apoligies for being hard . jsut accept it and pay it off mate . i dont think you have a case , and most of us have been there . if you do this and get it out of the way. it'll be over . if you dont , it will cause heartache to all concerned .
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#5 | |||
FF.Com.Au Hardcore
Join Date: Apr 2007
Location: Miranda, NSW
Posts: 6,771
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Quote:
Forget the personal agreement about you paying half of whatever. She's obviously been to her insurer and had the damage assessed and $2k is the repair bill...Were you not insured at least for 3rd party damage?
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2005 BA MK2 FPV GT - 6 SPEED MANUAL , SILHOUETTE, SWISSVAX, SUNROOF, BILSTEIN AND LOVELLS, FACTORY GENUINE 19'S, X-FORCE STAINLESS QUAD CATBACK, ADVANCE HEADERS, 200 CPSI CATS, BLUEPOWER CAI, HERROD BREATHER KIT, 4:11 DIFF RATIO, MAL WOOD OPT 3+ CLUTCH, BILLET SHIFTER, MELLINGS 10227, NOW WITH REVERSE CAMERA/SENSORS, ALPINE SPEAKERS & SUB - CUSTOM TUNED TO 275 RWKW NOW WITH A NEW ADDITION - 2017 MUSTANG V8 GT FASTBACK - , 6 SPEED AUTO IN PLATINUM WHITE, |
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#6 | ||
FF.Com.Au Hardcore
Join Date: Oct 2005
Posts: 3,412
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As others have said, you have hit her from behind so you are in the wrong end of story. As for the damage to the front of her car, if you were insured then your insurer would fight it on the grounds that she didn't have her brakes applied properly. Sounds stupid, but that is the way they look at it.
But as you are uninsured ![]() |
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#7 | |||
1979 ZJ Fairlane 302c
Join Date: Dec 2008
Location: Sydney
Posts: 265
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Quote:
its funny that you say get a loan when im already paying one off the point is that she and i made a personal agreement that i would pay only half of her premium. i agreed to that despite her slamming on her brakes with no probable cause, im already broke paying off 2 loans (a mistake i made when i was 18) without having another headache to deal with
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CARS:1979 ZJ Fairlane 351 DuelFuel |
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#8 | |||
1979 ZJ Fairlane 302c
Join Date: Dec 2008
Location: Sydney
Posts: 265
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Quote:
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CARS:1979 ZJ Fairlane 351 DuelFuel |
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#9 | ||
1979 ZJ Fairlane 302c
Join Date: Dec 2008
Location: Sydney
Posts: 265
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ANYWAYS im over it ill just pay for her mistake and put myself in debt even more
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CARS:1979 ZJ Fairlane 351 DuelFuel |
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#10 | ||
FF.Com.Au Hardcore
Join Date: May 2005
Location: In my shed
Posts: 5,066
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Third party fire & theft is available for around $25 per month, and most insurers offer pay by month.
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#11 | ||
1979 ZJ Fairlane 302c
Join Date: Dec 2008
Location: Sydney
Posts: 265
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just got AAMI third party property damage $100 p/month
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CARS:1979 ZJ Fairlane 351 DuelFuel |
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#12 | |||
GT
Join Date: Apr 2005
Location: SYDNEY
Posts: 9,205
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Quote:
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#13 | ||
FF.Com.Au Hardcore
Join Date: Aug 2005
Location: Barossa Valley, South Australia
Posts: 3,381
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Insurance companies just don't fork out money to pay for accident repairs. They chase the guilty party (which in this case, looks like you) for the cost of the repairs to their client (the lady). By you agreeing to pay the $300 of her excess (not premium) doesn't mean that her insurance company will not reclaim costs of repairs.
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Cheers, Sam. |
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#14 | |||
FF.Com.Au Hardcore
Join Date: Mar 2007
Location: Sunshine Coast QLD
Posts: 876
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Quote:
Have you thought about getting a job rather than a loan? I know I couldn't live on that type of money so thats what I did! ![]() And look on the bright side. It could have been a lot worse!
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Octane BFII XR6 Turbo manual sedan. SOLD 2014 BMW S1000R 2006 Toyota Landcruiser GXL 1HD-FTE |
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#15 | |||
1979 ZJ Fairlane 302c
Join Date: Dec 2008
Location: Sydney
Posts: 265
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Quote:
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CARS:1979 ZJ Fairlane 351 DuelFuel |
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#16 | ||
LPS
Join Date: Mar 2005
Location: Geelong
Posts: 1,601
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I understand you offered to pay half her premium, but that has nothing to do with her insurance company.
The insurance company needs to cough up $2000 to fix her car, and they want that money back. |
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#17 | |||
FF.Com.Au Hardcore
Join Date: Oct 2005
Posts: 3,412
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Quote:
Pay off your debts with the earnings from the 2nd job then when they are finished. poor those earnings into savings and you will not look back. Sounds hard and it is to start with, but these things work out for the best in the long run. |
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#18 | |||
1979 ZJ Fairlane 302c
Join Date: Dec 2008
Location: Sydney
Posts: 265
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Quote:
what would a good second job for me be ?? only yr 10 education
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CARS:1979 ZJ Fairlane 351 DuelFuel |
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#19 | ||||
Back to Le Frenchy
Join Date: Feb 2005
Location: Back home.....
Posts: 13,346
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Quote:
I only have a year 10 education and look where I am, mid 20's with a house in a decent area, great car and a decent amount of play money. Work hard, don't ever take things for granted and you will do well.
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07 Renault Sport Megane F1 Team R26 #1397
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#20 | |||
Former BTIKD
![]() Join Date: Mar 2005
Location: Sunny Downtown Wagga Wagga. NSW.
Posts: 53,197
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Quote:
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Dying at your job is natures way of saying that you're in the wrong line of work.
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#21 | |||
1979 ZJ Fairlane 302c
Join Date: Dec 2008
Location: Sydney
Posts: 265
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Quote:
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CARS:1979 ZJ Fairlane 351 DuelFuel |
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#22 | ||
LIKE A BOSS 351
Join Date: Sep 2008
Location: Gold Coast
Posts: 2,779
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I think by agreeing to pay half her premiums, you kinda screwed yourself over. This sort of implies that you know you are to blame for the accident, if it wasn't your fault then you shouldn't have payed anything.
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#23 | |||
1979 ZJ Fairlane 302c
Join Date: Dec 2008
Location: Sydney
Posts: 265
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Quote:
like i said im over it, im paying the insurance company i know i was screwed from the start, shish happens so i just build a bridge and get over it
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CARS:1979 ZJ Fairlane 351 DuelFuel |
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#24 | |||
FF.Com.Au Hardcore
Join Date: Mar 2007
Location: Sunshine Coast QLD
Posts: 876
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Quote:
I somehow got the impression you weren't working but can't for the life of me figure out how. ![]()
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Octane BFII XR6 Turbo manual sedan. SOLD 2014 BMW S1000R 2006 Toyota Landcruiser GXL 1HD-FTE |
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#25 | ||
FF.Com.Au Hardcore
Join Date: Jul 2008
Location: Christchurch NZ
Posts: 590
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This situation sucks man, but I have to agree with the other posts here. On the upside youre an apprentice mechanic, look to the day when youre a qualified tradesman and earning good money -> thats the pay off for crap wages now, plus youll be able to do stuff to your car that others have to pay for.....
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#26 | ||
Flairs - Truckers Delight
Join Date: Aug 2006
Location: Brisbane Northside Likes: Opposite Lock
Posts: 5,731
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So you didn't have insurance
and you drove a car. I will not drive a car i'm not insured for. All my cars i have organised insurance for before I have picked them up. I have had an at fault accident in the past 5 years and comprehensive insurance for my two falcons is less than $450 a year each. I personally think it should be just plain illegal to not have third party property insurance (not to be confused with compulsory third party). Russell is right. Don't let anything ever hold you back, don't play the victim, don't get yourself into silly trouble like this. Do what rich people do. It makes you rich yourself I'm sure. That's what i've done so far, it's worked for me. Rich people always have good insurance. So I do too. This theory does work, to an extent.
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Current: Silhouette Black 2007 SY Ford Territory TX RWD 7-seater "Black Banger"
2006-2016: Regency Red 2000 AUII Ford Falcon Forte Automatic Sedan Tickford LPG "Millennium Falcon" |
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#27 | ||
FF.Com.Au Hardcore
Join Date: Nov 2005
Posts: 1,013
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the bright side is 2K isn't too bad my insurance is $1080 and $600 excess. i reckon just pay it and be glad it wasn't a new merc. and get some real insurance.
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#28 | ||
FF.Com.Au Hardcore
Join Date: Sep 2007
Location: Sydney
Posts: 699
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I still can't understand why 3rd party property is not mandatory. No 3rd party property, no drive in my book. Stuff like this can ruin people. A half decent new Aussie car is north of 50K, Euro multiples of that. Its pure luck one of those didn't get written off, so the glass is half full there.
This wouldn't be the first thread on this type of topic, and sadly it wont be the last. If you can't afford 3rd party property insurance, you can't afford to drive.
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93 NC2 Fairlane Ghia Sportsman. Standard Tickford 162kw engine and touring suspension, factory LTD trim option plus EF Ghia wheels. Other rides: Range Rover Sport, Mini Cooper Chilli Cabrio |
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#29 | |||
FF.Com.Au Hardcore
Join Date: Jan 2005
Posts: 4,167
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Quote:
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igodabigblackshinycar and I relented and allowed a BMW into the garage. ![]() |
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#30 | |||
1979 ZJ Fairlane 302c
Join Date: Dec 2008
Location: Sydney
Posts: 265
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Quote:
Cheers
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CARS:1979 ZJ Fairlane 351 DuelFuel |
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