F you stupid bus driver!why you hv to crash into my car!

Criss · Post by **Criss** » Fri Mar 06, 2009 3:15 am

i park my car at carrington street at wynard,
when i came back from dinner, damn....
some idiot hit my front left conner,
and a card on my windscreen, explain all details,
and that guy is a bloody bus driver!!!!!

can any one tell me what to do???
i'm currently having 3rd party insurance
can i fully claim the fixing cost?
as i have to go to uni, which require some driving, can i also claim for the car rental cost as well?
the front fender is a must to replace, cus it's all banned, and the front bumper is damaged as well, should i source a bumper myself of let smash repair guy to do it????

i am sorry for my poor english, but guys, i need your help=[
thank you=[

Post by **dstocks** » Fri Mar 06, 2009 7:44 am

Hey,

Your one of the lucky ones actually. The guy who did this has done the right thing and accepted responsibility. You are fully covered for the cost of the repair (I dont know about a rental though). What would have been really bad is if there WASNT a card on your windscreen

Post by **I8A4RE** » Fri Mar 06, 2009 8:07 am

Mate that bus driver is a true CHAMPION. I would be sending him a 6 pack just for owning up to his mistake.

Now call your insurance and tell them what happened, as for sourcing parts definitly.....front bar upgrade time

FTEvolution · Post by **FTEvolution** » Fri Mar 06, 2009 8:17 am

I8A4RE wrote:Mate that bus driver is a true CHAMPION. I would be sending him a 6 pack just for owning up to his mistake.

Now call your insurance and tell them what happened, as for sourcing parts definitly.....front bar upgrade time

I agree, that driver is a good bastard, a 6 pack is in order

Call the insurance company, they should be able to give you a short list of their approved repairers, those repairers should be able to help you source a nice front bar upgrade (as it would be cheaper than a stock one).

Your insurance will pay, then claim from the bus drivers' insurance/company.

You truly are one of the lucky ones, then again, if he just drove off with a load of passengers, someone would have reported it... so he probably didn't have much choice

bushido · Post by **bushido** » Fri Mar 06, 2009 9:19 am

Criss you lost your HKS one

JOeJOe · Post by **JOeJOe** » Fri Mar 06, 2009 9:23 am

Was that your HKS bumper? If it is, how badly damaged is it?

harry90 · Post by **harry90** » Fri Mar 06, 2009 9:40 am

Even if you lost a part, be VERY thankful that the card was on your windscreen. Not many people in today's society would do that.

sublime19 · Post by **sublime19** » Fri Mar 06, 2009 11:30 am

Yea, you should consider yourself lucky and should actually be happy that he left you a note. If he didn't, it's game over for you since you have no comp insurance.

Also - Courtesy car depends on who you get the car fixed by. If they want to give you a courtesy car, they will. When I was getting mines repaired after it was rear ended, I didn't have it for 3 months and for those 3 months I had a courtesy car given to me by the repairer. I can recommend them to you, but they're in the West, although very reputable.

Criss · Post by **Criss** » Fri Mar 06, 2009 11:39 am

thanks for everyone~
i do agree that diver is a good guy as he admitted what he did
but he crash my car, so he is a bad guy now

my insurance dont give a shXt of what i happen, cus i only got a 3rd party insurance.....
all i can do is type a thing call "letter of demand" to the bus insurance company,
tell them what i want, and THEY SAY they will consider it
i'm not sure i can source parts myself?

btw, i believe the hks is still fixable....well have to ask smash repair guy

JOeJOe · Post by **JOeJOe** » Fri Mar 06, 2009 11:50 am

Post some pics, or is already up? can't seen pics at work

sublime19 · Post by **sublime19** » Fri Mar 06, 2009 11:53 am

What you do is - Contact the guy who left the note, get his insurance details. Don't call them and say "I want this, this and this fixed", just get the Insurance details.

Do it ASAP.

Call his insurance company, say you were involved in an accident, you weren't at fault and you're calling with the details of the person who was at fault's.

They'll tell you what to do from there. They'll get somebody to come inspect the car first of all. When they send the guy, make sure he doesn't come to your house. Have your car at the smash repairers by whom you want the car fixed by. Make sure he is there when the assessor is there so you'll have sufficient funds for genuine parts for repairs as the assessor will try to get away with quoting as little as possible.

Your insurance company has nothing to do with it, not because you're only third party.. but because the other guy admitted he was at fault and you deal with his insurance company not yours.

Post by **I8A4RE** » Fri Mar 06, 2009 12:07 pm

Criss wrote:thanks for everyone~
i do agree that diver is a good guy as he admitted what he did
but he crash my car, so he is a bad guy now
my insurance dont give a shXt of what i happen, cus i only got a 3rd party insurance.....
all i can do is type a thing call "letter of demand" to the bus insurance company,
tell them what i want, and THEY SAY they will consider it
i'm not sure i can source parts myself?

btw, i believe the hks is still fixable....well have to ask smash repair guy

it dosent matter whether you have 3rd party or full comp. You have his details. But you definitly need to get his insurance details then your insurance company should pursue the matter on your behalf.... what insurance company are you with?

sublime19 · Post by **sublime19** » Fri Mar 06, 2009 1:05 pm

I8A4RE wrote:
it dosent matter whether you have 3rd party or full comp. You have his details. But you definitly need to get his insurance details then your insurance company should pursue the matter on your behalf.... what insurance company are you with?

Actually his own insurance company doesn't have much to do with it. When I was rear ended I only had 3rd party, I called my insurance to advise them of it (Just Cars) and was advised the only thing they could do is if the assessor from the other party wasn't paying what's required to fix the car, they would write up a letter and claim more on your behalf, but that's about it.

JOeJOe · Post by **JOeJOe** » Fri Mar 06, 2009 1:20 pm

if you have comprehensive cover your insurance company will do everything, doesn't who was at fault.

I think with 3rd party, depending on what company you're with, you might need to do things yourself if you're not at fault. If you were at fault the the the company will handle the issue.

J · Post by J » Fri Mar 06, 2009 5:43 pm

damn so sorry to hear about that mate.

Hope you don't get stuck with the bill and the bus company pays out

mz_madz · Post by **mz_madz** » Fri Mar 06, 2009 6:44 pm

Sorry to hear! I have been in the same situation at the moment. Forum: My FTO gooooone! Rear Ended!

I'm sorry to say unfortunately you wont receive a hire car if your third party insured. Since the 12th I still have not received a pay out for my car. Just, a hit of advice - don't leave your car at a smash repairer as you will get slogged with storage fees that his insurance wont cover. Umm, don't lodge a letter of demand - wait for them to lodge a claim! Keep ringing until they do. Thats my best advice. If you have an questions or anything let me know!

Good luck with everything!

koolio1234 · Post by **koolio1234** » Fri Mar 06, 2009 8:52 pm

As has been mentioned before, once you have his details, as long as he is at fault his insurance will fully cover the repairs. Im not sure why they require you send a letter or whatever. If your insurance company refuse to do anything about it, call his insurance company, give them his details and inform them he was at fault and cause damage to your car....they should take care of you..

Good Luck!

Post by **BorepYano** » Fri Mar 06, 2009 9:24 pm

mz_madz wrote:Sorry to hear! I have been in the same situation at the moment. Forum: My FTO gooooone! Rear Ended!

I'm sorry to say unfortunately you wont receive a hire car if your third party insured. Since the 12th I still have not received a pay out for my car. Just, a hit of advice - don't leave your car at a smash repairer as you will get slogged with storage fees that his insurance wont cover. Umm, don't lodge a letter of demand - wait for them to lodge a claim! Keep ringing until they do. Thats my best advice. If you have an questions or anything let me know!

Good luck with everything!

you can claim back a hire car for the duration of your repairs as long as it's fair and reasonable (i.e. dont hire out a 300C, and the reason can't be because you are too lazy to walk 5mins to your local pub), you will have to pay for the hire car yourself (aim for about $40 a day, i.e. your average 4 cylinder 4 door automatic) then submit that to the other driver's insurance company for "consideration", as i mentioned before as long as it's fair and reasonable they will pay it.

no harm in sending him a letter of demand. it should state who you are, who they are, you are holding them at fault, and what you have been quoted for repairs along with any other expenses such as reasonable hire car costs and storage costs. once they have lodged a claim they will be asked to fwd that letter of demand to their insurance company.

But on a personal note, if he is nice enough to leave you his details, call him, have a civilised chat as everyone else has mentioned that he's nice enough to leave his details, not a lot of people in this world would.
obviously it's his fault and he knows it, so it should be quite easy to work out. he has 2 choices:
1. to settle you privately, depending on his insurance access and what not, it may work out cheaper to settle you that way.
2. to go through his insurance company, which means he has to lodge a claim and he'll provide your details to his insurer and they will contact you (they generally will also tell him to provide you with his claim number and what not so you can contact them directly, which works out quicker)

now (i have to first apoligise that i didn't bother reading through the whole thread), if it's a company veh, generally they will go through insurance, and they won't fuss over it because it's just a tax deduction lol. but if it's going to go through privately he may not be happy with paying $40 per day for your hire veh, but when you speak to him put it all on the table, be civil and she'll be roses.

wow, that was long, anyways, any other Q's shoot me a PM

manofwood · Post by **manofwood** » Sat Mar 07, 2009 3:42 pm

Criss wrote:thanks for everyone~
i do agree that diver is a good guy as he admitted what he did
but he crash my car, so he is a bad guy now
my insurance dont give a shXt of what i happen, cus i only got a 3rd party insurance.....
all i can do is type a thing call "letter of demand" to the bus insurance company,
tell them what i want, and THEY SAY they will consider it
i'm not sure i can source parts myself?

btw, i believe the hks is still fixable....well have to ask smash repair guy

you'll be ok even with 3rd party, i had 3rd party on my old V8 when i had it towed to a garage on a flatbed towtruck, and the fuckwit driver didnt strap it down properly, rolled off the back and smashed into a military mack truck

they were totally liable. you'll be ok, just dont lose that card that the bus driver left you. thats your evidence.

jimmysan · Post by **jimmysan** » Sat Mar 07, 2009 8:56 pm

Criss......
i am so sorry to hear about your misfortune...
But sadly to say that i am having a similar situation to you at the moment, but less serious. Someone reversed into my car and damaged my front bumper. He gave me all his personal details and his insurance company name. I am holding a third party property with NRMA, i tried to ring them and explain the situation, but they said theres nothing to do with them. And then i tried to ring AMMI(his insurance company), they said they cant do anything without the claim form lodged by their client. WTF.......Then they asked me to write a letter of demand to their client. Bloody hell, its like totally his fault but i have to do all the work and have my car damaged.
Shall anyone can give out advice on what happen if that guy don't reply my calls and letter at all?