Risk of Hiring a Car Option for Not at Fault Car Accident

Unacceptable on 04/08/2022 - 17:27
Last edited 04/08/2022 - 17:29

While I was happy with my delivery of free Lenovo backpack ($100) an unfortunate event happened to me last night that my car was hit in the rear by the other party driver which we agreed that this is not at my fault.
We exchanged contact numbers, car regos etc and I contacted my insurer AAMI to sort things out.
AAMI said they can organise hire a car for me (no excess) which I had included on my comprehensive insurance, but AAMI can't say if hiring a car would leave a dent in my insurance record and potentially cause a premium increase in future (because I used this option causing financial loss to them).
Does anyone know this?

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Comments

  • Muzeeb on 04/08/2022 - 17:29
    +12

    What?

    AAMI just bill car hire out to the other party.

    • whatwasherproblem on 04/08/2022 - 18:24
      +4

      Nice, sounds like OP's in the clear!

      Hear that OP? Lucky you're with AAMI 🎵, hey?

    • Unacceptable on 04/08/2022 - 18:26

      Not sure if they will pass that cost to the the other party, but car hire was an option to add with extra cost from me so I think they will foot the bill?

      • Leanne59 on 04/08/2022 - 18:48
        +1

        I have just moved my sons car insurance over to AAMI (they were over $300 cheaper) and I called to see if they had the same inclusions as NRMA. I was told that if he was in an accident and the other driver was at fault, they would organise a hire car for the period his car was in for repair once he had the dates booked in and it would be charged back to the person who's at fault's insurance company. It would not affect his insurance in the future as he was not at fault. My daughter has just gone through the same thing with NRMA and they billed it back to the person at faults insurance. You don't claim the hire car from your insurance unless it's your fault otherwise it may affect your future premiums.

        • Unacceptable on 04/08/2022 - 19:15

          Thanks that totally makes sense and acceptable 👍

          • BewareOfThe Dog on 05/08/2022 - 00:17

            @Unacceptable: I world expect that they will pass the cost onto the other party, and it affects their premium .

            • Tleyx on 29/08/2022 - 22:56

              @BewareOfThe Dog: They can't pass the cost of the time to organise it. Staff don't work for free

  • Jimothy Wongingtons on 04/08/2022 - 17:31
    +1

    Unacceptableeeeeeeeeeee

    • SF3 on 04/08/2022 - 17:37
      +1

      You might want to hire a new E key, your current one seems like it got stuck. Not sure how it'll affect your premiums tho.

  • SF3 on 04/08/2022 - 17:36
    +8

    While I was happy with my delivery of free Lenovo backpack ($100)

    I'm confused with this piece of information combined with the main point of this post.

    Is your backpack OK or not?

    • spackbace on 04/08/2022 - 17:44
      +4

      Backpack backpack!

      • dust on 04/08/2022 - 18:26
        +2

        Is this a Dora the explorer joke?

    • randomusername2017 on 04/08/2022 - 17:44

      Goes to state of mind when posting insurance related topic on forum.

    • djones145 on 04/08/2022 - 18:22

      well at least we can confirm he is not a crossfitter or vegan or unvacinated. cause he would have mentioned it already

    • Unacceptable on 04/08/2022 - 18:26

      Backpack was fine, phew!

    • elgrande on 04/08/2022 - 19:59
      +1

      The backpack of the driver behind flung forward upon impact and landed in the custom sunroof on OP's Toyota Camry.

  • El cheepo on 04/08/2022 - 17:48
    +4

    AAMI can't say if hiring a car would leave a dent in my insurance record and potentially cause a premium increase in future (because I used this option causing financial loss to them).

    Not for a not at fault accident. It shouldn’t anyway.

    Does anyone know this?

    Those plums at AMMi should.
    Try escalating it with them.

  • WreckTangle on 04/08/2022 - 18:04
    +2

    Did AAMI have a free backpack offer?

  • Ocker on 04/08/2022 - 18:33

    Don't go near your own insurance as this will increase your premium (regardless of the fact you are not at fault)
    There are quite a few companies that provide free loan cars to those that are not at fault. They handle all of the paperwork and claim on the other parties insce.

    • Unacceptable on 04/08/2022 - 18:43

      Unacceptable mate.

      • Ocker on 04/08/2022 - 18:45
        +3

        I am sure your reply makes sense to you but stuffed if I know what you mean?

  • GrueHunter on 04/08/2022 - 19:38
    +4

    What is with people who fork out for insurance but are terrified to make a claim in case their premium goes up?

    • Unacceptable on 04/08/2022 - 20:51

      Cuz it’s the accident that is not at my fault but still need to be involved with my insurance.

      • silenthillrocks on 05/08/2022 - 06:45
        +2

        You pay for insurance, you should use it unless damage is less than the excess. In this case excess would be 0 so you should always use it.

        • Euphemistic on 05/08/2022 - 08:24
          +2

          Yes it’s kind of a waste to have it and not use it, however making a claim on your insurance potentially makes your risk profile slightly worse and may slightly increase your premium. However, this will be offset by less drama in getting your car fixed.

  • Euphemistic on 04/08/2022 - 22:06

    You’re not at fault. Everything will be charged to the other party. They charge you extra for car hire cover for when you are at fault (and because they just can)

  • MollyJ77 on 29/08/2022 - 15:53

    My friend used a service called Right2Drive after a not at fault accident and I heard that worked out really well.

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