omg..i got backed into :(

3clipz · Post by **3clipz** » Sat Jun 03, 2006 1:02 pm

Here's what happenned and can anyone give me advice?

I was at a friend's place and my car was parked on street. This other guy, who was visiting his mother across the road from where I was at reversed out of his mother's driveway and apparently didnt see my car

Result is he hit my right side guard, denting it and also paint damage, scratches etc...the usual suspects. Thank god there was no damage to the wheel and steering, I made sure of that before he left.

He has got insurance but I don't. Should I be worried? And what steps should I take because of this fact?

I'm going to be driving around today to some local panel beaters to get some quotes and assess the damage. Does anyone know of any good panel beaters that have worked on FTO's before?

Thanks for the advice.
Dave.

khunjeng · Post by **khunjeng** » Sat Jun 03, 2006 1:56 pm

hmm not sure how it works exactly without insurance however I think you need to call his insurance place and work out the details. I assume you got the insurance details?

get insurance. smashed my car few months back...the bill is now of 12k....thanks god its only costing me 1k.

KJ

Rocco · Post by **Rocco** » Sat Jun 03, 2006 2:41 pm

Perfect example for the old question.Should i get it,just in case?Yes u should because its easy to say "don't worry mate,i've got insurance" instead of going into a rage.Insurance,keeping ppl out of jail since back in the day.

FTO338 · Post by **FTO338** » Sat Jun 03, 2006 4:25 pm

Go & get a statement if you haven't got one, or his/her insurance company going to turn the case around & blame u instead.

d_stroy_r · Post by **d_stroy_r** » Sat Jun 03, 2006 5:54 pm

I don't know how people don't get insurance?

For couple of dollars a day, why wouldn't you get it? especially when you have a good car.

3clipz · Post by **3clipz** » Sat Jun 03, 2006 5:58 pm

I've got about 10 witnesses who heard him say it was entirely his fault so I guess I'm safe enough?

Anyway, got a assessment from euro image smash repairs in moorabbin and he said it would be around $1200

scarecrow · Post by **scarecrow** » Sat Jun 03, 2006 7:37 pm

d_stroy_r wrote:I don't know how people don't get insurance?

For couple of dollars a day, why wouldn't you get it? especially when you have a good car.

A couple?

Try $15 for some of us. There's a very good reason why a lot of people don't have comp insurance.

khunjeng · Post by **khunjeng** » Sat Jun 03, 2006 7:48 pm

I mean its ok for me cos I havn't had an "issues" in the past...but we are not all that lucky....

scarecrow · Post by **scarecrow** » Sat Jun 03, 2006 8:04 pm

3clipz wrote:I've got about 10 witnesses who heard him say it was entirely his fault so I guess I'm safe enough?

Anyway, got a assessment from euro image smash repairs in moorabbin and he said it would be around $1200

Woah! I had the exact same damage not long ago, paid 200 for the part, shipped, off ebay (it was the right colour) and 50bux for fitting.

Nacho · Post by **Nacho** » Sat Jun 03, 2006 9:27 pm

My insurance is now about $5 a day. That's ok considering it used to be $8 a day. Makes a hell of a difference when it adds up.

And no-one be a smart ass and say anything about leap years.

3clipz · Post by **3clipz** » Sat Jun 03, 2006 9:30 pm

scarecrow wrote:
Woah! I had the exact same damage not long ago, paid 200 for the part, shipped, off ebay (it was the right colour) and 50bux for fitting.

if i was paying for the damage and it was my fault then i'd go thru some lengths to get it done this way.....since its his fault and his insurance should end up paying then i'll go thru whatever process they want

good to hear that the panel isnt that expensive... might even ask the beater to try and source a fresh one

FTO338 · Post by **FTO338** » Sun Jun 04, 2006 2:34 pm

3clipz wrote:I've got about 10 witnesses who heard him say it was entirely his fault so I guess I'm safe enough?

Heard him said? So are you saying none of your witness actually saw it? Without a statement or actual incidentâ€™s eye witness, the insurance company going to run you over with a tank.

Some insurance company even "encourage" or "lead" the "guilty party" to deny it so him/her can save themselves from an increase of insurance fee when due for renew.

I've seen it happen heaps of time. Verbal agreement don't mean sh*t in court. It might sound extreme but I rather be save then sorry.

AJ · Post by AJ » Sun Jun 04, 2006 3:50 pm

Where's MrX when you need him? Isn't this his line of work? Try sending him a PM asking for his advice.

mxysxy · Post by **mxysxy** » Mon Jun 05, 2006 11:37 am

FTO338 wrote:
3clipz wrote:I've got about 10 witnesses who heard him say it was entirely his fault so I guess I'm safe enough?
Heard him said? So are you saying none of your witness actually saw it? Without a statement or actual incidentâ€™s eye witness, the insurance company going to run you over with a tank.

Some insurance company even "encourage" or "lead" the "guilty party" to deny it so him/her can save themselves from an increase of insurance fee when due for renew.

I've seen it happen heaps of time. Verbal agreement don't mean sh*t in court. It might sound extreme but I rather be save then sorry.

Agreed

The best solution in this situation was to call the cops and let them have a report, mentioning the giulty party.
Without this, it is strickly depending on the insurance company and luck.
Yourword against his, and your withness' word against his witness'

But again, looking to the accident it is obvious that he hit you. You have a very strong case to argue that it is his fault.

Make sure you dont pay anything, that $1200 quote is just a rip of thouhg,
try somewhere else,

FTO338 · Post by **FTO338** » Mon Jun 05, 2006 11:54 am

Since this is a minor civil matter, & no one got hurt, the cop usually won't get involve, so a statement that is signed with license number & dated by the "fault" party is a must.

And the damage can go both way, the other party can claim that they parked the car on the street while 3clipz was trying to do a 3 points using the other party's driveway & run into their car instead. Which you can imagine it will end up with the same damage result on both cars.

sublime19 · Post by **sublime19** » Mon Jun 05, 2006 12:12 pm

scarecrow wrote:
d_stroy_r wrote:I don't know how people don't get insurance?

For couple of dollars a day, why wouldn't you get it? especially when you have a good car.
A couple?

Try $15 for some of us. There's a very good reason why a lot of people don't have comp insurance.

Yep.. my quote = $2500 from Just Cars and I'm 21. NRMA quoted me $8200 a year...

I'm still on third party.

3clipz · Post by **3clipz** » Fri Jun 23, 2006 4:16 pm

just got my car back from the repairer (Griffiths Panels, Moorabbin) and it looks sweet.....i'd even go as far as saying better than new!

lucky the dude that hit me was good on his word so it was all covered by his insurance.

Hobbsie · Post by **Hobbsie** » Wed Jul 05, 2006 6:47 pm

sublime19 wrote:
scarecrow wrote:
d_stroy_r wrote:I don't know how people don't get insurance?

For couple of dollars a day, why wouldn't you get it? especially when you have a good car.
A couple?

Try $15 for some of us. There's a very good reason why a lot of people don't have comp insurance.
Yep.. my quote = $2500 from Just Cars and I'm 21. NRMA quoted me $8200 a year...

I'm still on third party.

wow.. just cars third party is $320 for me.. you must have a hella lot of mods or lost your liscence lots :O

SchumieFan · Post by **SchumieFan** » Thu Jul 06, 2006 9:29 am

$1200 seems bloody steep for that, i wouldnt expect it to cost much more that $400, that would just pop out, then give it a coat of paint....

but then your not paying for it so go for it

get insurance!

kingsparticus · Post by **kingsparticus** » Sat Jul 22, 2006 5:23 pm

yeah im with him, thats friggin exe, just got a quote on a mates familia, damage along the whole side of the car, 700 buckers from my mate gaz at south east smash on beudesert rd. thats a plug