Car accident - advise on unregistered car

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  pao2x on 22/09/2014 - 16:14

  +7

  claim from the truck's insurance

  • 

    pinchies on 22/09/2014 - 16:23

    +3

    I don't see why being unregistered would affect the fact that the truck has destroyed your property… aka if that was a brick fence of your house, they would owe you money regardless of whether you had paid your council rates or not. I am not a lawyer, just my 2¢.

    Edit: did not mean to reply to pao2x, sorry.

  • 

    sempro on 22/09/2014 - 16:24

    Yes I agree, it sounds like the truck drivers fault.

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  [Deactivated] on 22/09/2014 - 16:25

  Maybe see if his insurance company is going to do anything. The legal aspect may make it messy however and they might possibly use it as an excuse to get out of it as which point a civil claim might be needed which may not be worth it.

  Maybe have a good read through your PDS for your insurance, see if there is anything that excludes the insurance because of being parked illegally.

  • 

    sempro on 22/09/2014 - 16:34

    From it sounds like, OP may not have nothing wrong. My understanding is (depending on the state that the OP lives in), in order to get comprehensive insurance for an unregistered vehicle; the OP needs to have an 'unregistered vehicle permit'. The unregistered vehicle permit includes CTP.

    OP, you do have an 'unregistered vehicle permit' for that vehicle?

    • 

      SimBer on 22/09/2014 - 16:43

      Hi - do not have the permit, was not told I needed one by my insurance company (only requirement is that the car is in roadworthy condition). The car was towed to my premises

      • 

        sempro on 22/09/2014 - 16:54

        You might be out of luck. Without an 'unregistered vehicle permit' for a car (physically) on a public road, it may be illegal. If this is deemed to be illegal, then insurance may not cover it.

        Check with your local department of motor vehicles and maybe lodge a claim with the insurance company and go on from there.

        Good luck!

      • 

        SimBer on 22/09/2014 - 18:11

        +2

        Thanks for the reply. I did ask VicRoads about this and they advised that an unregistered permit is only required if the vehicle is to be driven, where are you getting your information from? (not trying to be rude, just wondering, as could not find relating to what you're saying)

      • 

        sempro on 23/09/2014 - 10:39

        @SimBer:
        I'm from QLD, the laws might be different to you, as it appears you are from Victoria. All i know is a car needs to be registered or have a 'unreg vehicle permit' to be legally on the road (in QLD); for insurance purposes.

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  Toph Beifong on 22/09/2014 - 18:33

  hmm, when I tried to insure my unregistered car, insurance would not allow it saying that it had to be registered first.

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  jagboy on 23/09/2014 - 08:29

  As far as I am aware it is illegal to park any unregistered vehicle on a public street. I may be wrong but check with roads department in your state.

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  suntap on 23/09/2014 - 09:35

  My son was riding his motorcycle home from work a year ago and was hit by a fire engine. His rego had expired 2-3 days earlier, he was paying it the very next day, which was payday. The cops gave him a ticket (some time later) for driving an unregistered vehicle. It did not make any difference to the outcome of the accident. The fire engine was charged with fail to give way to an oncoming vehicle and have been found at fault for the accident with no "contributory negligence" on my sons behalf. They hit him, so not matter registered or not, if they cause the accident or damage, they are still at fault.

  • 

    minty on 23/09/2014 - 11:48

    +1

    It was illegal for him to be on the road, same as drink driving, how does that not void responsibility of insurance?

    • 

      kwaker on 23/09/2014 - 17:06

      just because someone is doing something illegal doesn't give you the right to damage their property that's how.