My worker had a car accident and the driver fled the scene with his mate. Police came to the site and do their works.
Few days later my worker contact police to ask for the other driver details and police respond " the driver is oversea backpacker, he bought the car but not transfer to his name yet and he leave the country on the same day of accident. If you don't have insurance then bad luck. No details to be given."
Any advice would be appreciated.
If you saved money by not having insurance then there is no other answer… you have to pay for repairs yourself.
When the car is repaired, buy insurance for it as the next accident could be very expensive.
No, he on the way to work by his car. Actually he only have third party insurance which is no help. I feel sorry for him (student), then I give half day pay.
your a lovely boss.
Its not the end of the world at least he is alive, I know it sucks but its just a car he will learn and move on. Was the backpackers car a rental maybe? or did the old owner lodge his notice of disposal before this happened?
Which insurer did he use for his TPPD insurance?
My mate's NRMA TPPD policy gives him up to $3k in scenarios like this…
I don't know his insurance company but he said it's not comprehensive. I think police should give him some details if he wants to follow up in court, not just say no details to be given
The Police are correct. The only way to get money out of the back packer would be through small claims court and as it will be near impossible to get the other driver into a small claims court your worker is out of luck.
With 3rd party…all you have to do is identify the at-fault party to make a claim for damage to your own car…doesn't matter if the person has gone into hiding or left the country - all you need it to provide identifying information. If the insurance company cannot find the person that's their problem but they will attempt to contact the person
Hi, bachpager, am I right to understand what you said if I have third party ins. only,and if the culprit gone or refused to meet my claim ,say he hits my car backside, I still can
claim at least $3,000.00 from insurance company. But that won't be the case with AAMI . It happened to me some years ago. AAMI refused to take up the case even though I provided them with the guy's full details as they said I was on third party ins. only.As it took time and most cost to get legal proceeding, I had to repair my car out of my own pocket. This taught me a lesson never get a third party ins. Instead take a compressive one with as much as excess to lower down the premium. This way one is fully protected. One last word if the accident is of your own fault and the damage of your car is too much, well,
too bad, just dump it.
Usually 3rd Party Property insurance (not all as others not) provide up to $3000 (some even $5000) cover to provide repairs to your vehicle. It's all in the fine print somewhere. It may be that they pay that to get your car back to roadworthy quickly while they try recoup the costs from the 3rd party - if they can't, the wording may stipulate you have to pay it back as their payout may be contingent on them being able to recover the money.
I have 3rd party property insurance on one of my cars as it's only worth about $4000 and I have full comprehensive on the other - as you need to maintain a comprehensive policy to get your rating down…you can never get to rating 1 or maintain rating 1 on a 3rd party policy.
many TPPD policies offer the extension that you are referring to - but not all
It is usually also a condition that you provide all the details of the guilty party including name, address and licence number
In this case he can't do that so I don't think the policy clause would trigger anyway
I was assuming the worker only had CTP not TPPD.
Sorry I was replying to Backpager (who replied to you) saying "all you have to do is identify the at-fault party to make a claim for damage to your own car" - which is not correct
You are correct - CTP aren't doing anything for property damage :)
Any idea how much damage was done to your worker's car?
My gut feeling is that it would cost more to try and chase this person down through the courts than can be recovered, but it depends on a lot of circumstances.
If OzBargain was a town. It'll definetly be Cabramatta.
Usually 3rd party insurance will pay out up to $3000 if you're not at fault and can identify the at-fault party. Get him to tell the police this and that he needs a name or at the very least a police incident number that he can then give to his insurance company and they should pay out.
Get the incident number from the Police and give this to your insurer. They will advise if any compensation can be obtained under your policy.
If you are insured with those cheapo insurers, expect a premium rise or refusal to insure next time you policy is due.
Agree with Steptoe, get Police report number, if it's not his fault, should able to claim something from insurance.
Also, you may talk to a repairer that you really know, ask them what's the chance the repairer can claim from the insurance as I believe they have experience dealing with this issues.
Just curious that if he had a glance of the number plate of the other car?
You own a car that your employees drive, that isn't insured, is that correct?
If so, you're very brave.