Crashed Girlfriends Car – Should I Pay Excess?

LAGoochDeal on 10/01/2019 - 18:24
Last edited 10/01/2019 - 18:31 by 1 other user

Last weekend I borrowed my girlfriends car and crashed it – now she wants me to pay the excess.

So last weekend I took my girlfriends car to go to the gym. We had just had an argument so I was angry so wanted to go to the gym to clear my head. I think coz I was angry I wasn’t thinking and reversed it hard into a pole (don't normally reverse out of her driveway).

She has comprehensive insurance but the insurance company wants a $500 EXCESS payment to repair her car. They said they would pay for it (about $3000 in repair costs!!? - WTF, it's just the rear bumper/panel/reversing camera sections), but want the $500 excess.

But my girlfriend wants me to pay for it. But I think that she should pay for it. It's HER car. It's HER insurance. Its kinda HER fault because it was because of the argument I crashed it. True she lets me borrow her car – but sometimes she stays at my house RENT FREE and if she broke my TV I'd pay for that. She knows I don't have a car because I can't afford insurance etc.

I thought she would give up and pay it but it's now Thursday and she wont stop talking about it. I guess I could pay half, but I'm kinda strapped for cash.

What should I do?

Poll Options

  • 434
    Pay all of excess
  • 2
    Pay half of excess
  • 6
    Pay none of excess
Automotive

closed Comments

  • boomramada on 10/01/2019 - 18:27
    +35

    You used it and you pay for it. </thread>

    • [Deactivated] on 10/01/2019 - 22:21

      lol RIP OP's relationship

      Its kinda HER fault because it was because of the argument I crashed it

      How did she respond when you said this to her, OP? lulz

  • conservative on 10/01/2019 - 18:28
    +41

    Why so many troll threads?

    I would have dumped you after you paid the excess. You expect her to be out of pocket for your carelessness, huh?

    True she lets me borrow her car – but sometimes she stays at my house RENT FREE

    You're an awful person.

      • IceCreamBandit on 10/01/2019 - 18:57
        +1

        I guess you are right but its HER carelessness too. she didnt reverse in the car (its normally reversed into the spot so you can drive right out). Everyone is voting to pay it so I guess ill offer half first and see what she says

        Hahahaha that is gold.

      • HighAndDry on 10/01/2019 - 19:04
        +22

        but its HER carelessness too

        In dating you? Yeah, you're making that very clear.

      • Olokun on 10/01/2019 - 19:10

        I guess it's her fault for letting you borrow her car as well? Guess it's time use get your own.

      • wizzy on 10/01/2019 - 20:53
        +3

        Surely you are trolling us all here.

        You can't genuinely think that your girlfriend was careless because she didn't reverse in the car. That is one of the most ridiculous things I have heard in a long time. Are you a child?

  • IceCreamBandit on 10/01/2019 - 18:28
    +7

    WTF, its just the rear bumper/panel/reversing camera sections), but want the $500 excess.

    That's how insurance works. Excess only doesn't apply when you're not at fault.

    Its HER car. Its HER insurance.

    And it's your fault doing the damage. There's a chance the premiums will go up as well after this.

  • RockyRaccoon on 10/01/2019 - 18:28
    +3

    nah ditch the GF, that will make it a True bargain in more than one way….

    If you want a moral answer go to another site, we deal in bargains here

  • dbui8743 on 10/01/2019 - 18:29
    +10

    Is it a troll post? It is right?

    • conservative on 10/01/2019 - 18:29
      +1

      Just play along.

      • dbui8743 on 10/01/2019 - 18:31

        Too trollish for my taste haha

        And this should go to the dating & relationship box.

  • dylo on 10/01/2019 - 18:35
    +2

    What kind of question is this? These posts are getting boring.

  • shadowangel on 10/01/2019 - 18:35
    +3

    her insurance will be higher next year and your worried about $500 excess. You should be made pay the 3k

  • Olokun on 10/01/2019 - 18:41
    +2

    You do realize the alternative is for her not to pay the excess and make a claim against you for the total cost of repairs.

    Just be glad there isn't a $1000 excess on top of the $500 for being an inexperienced driver/MINOR

      • Nugs on 10/01/2019 - 18:59
        +12

        "im not an inexperienced driver"

        but can't reverse?

        .

  • ronnknee on 10/01/2019 - 18:41
    +9

    Member Since
    04/06/2018
    Statistics
    2 posts / 0 comments

    OzBargain thanks you for your contribution.

  • Marty-69 on 10/01/2019 - 18:41
    +5

    Pay the excess and start charging here rent. I suggest to start with $500 per night as it might be the only and last night

  • horice on 10/01/2019 - 18:48
    +18

    I dont believe you have a girlfriend
    Bet it was your MUM

    • pegaxs on 10/01/2019 - 22:34

      Or his hand…

  • bobbieb on 10/01/2019 - 18:48
    +2

    You missed an option… the correct answer is you should pay for the entire repair.

    Your girlfriend's premium will go up off the back of your carelessness. She would be within her rights to not go through her insurance and pursue you for the entire cost of repair. If she's going the insurance route, then you should be extremely grateful.

  • mbck on 10/01/2019 - 18:48

    nah don't do it. just run away, delete everything, just disappear.

    troll account gets troll answers

  • HighAndDry on 10/01/2019 - 18:49
    +6

    Christ, you know what? Don't pay the excess. Tell her to her face that it's all her fault. $500 is a cheap price to be rid of a POS like you.

  • bobbified on 10/01/2019 - 18:49

    WTF, it's just the rear bumper/panel/reversing camera sections), but want the $500 excess.

    WTF… You crashed the car so you pay the excess or you pay for the repairs! And then I hope you get dumped.

    she stays at my house RENT FREE

    Does she charge you for sex?

    (I really hope this is a troll post!)

  • shaybisc on 10/01/2019 - 18:55
    +3

    This has got to be a wind-up.

  • Magnastar on 10/01/2019 - 19:05
    +1

    This sort of bullshit is exactly what is wrong with kids these days. God help us all in the future.

  • djkelly69 on 10/01/2019 - 19:12
    +3

    I am assuming this is a role reversal post - OP's GF crashed his car, he wants the excess, and is trying to use this thread to prove his point.

  • MaKa on 10/01/2019 - 19:14

    Think yourself lucky she isn't charging you for the entire repair cost. I wouldn't want to pay the increased premiums because of your carelessness

  • EightImmortals on 10/01/2019 - 19:18

    "It's HER car. It's HER insurance. Its kinda HER fault because it was because of the argument I crashed it. True she lets me borrow her car – but sometimes she stays at my house RENT FREE…"

    Awesome! Move over Mr Darcy, the post modern gentleman has arrived.

    (OK, I know it's a Trolly Mc Troll post but still…I bet there are real people like that out there….)

  • p1 ama on 10/01/2019 - 19:31
    +7

    But my girlfriend wants me to pay for it.

    Did you hit the pole or did she?

    But I think that she should pay for it.

    The law doesn't care who you think should pay for it.

    It's HER car. It's HER insurance. Its kinda HER fault because it was because of the argument I crashed it.

    That's not what the law says. You were driving, it's your responsibility. If I borrowed your knife and killed someone, who's responsible, me or you?

    True she lets me borrow her car – but sometimes she stays at my house RENT FREE and if she broke my TV I'd pay for that.

    She stays at yours, you borrow her car, fair enough.

    She knows I don't have a car because I can't afford insurance etc.

    Then don't drive. Catch the bus.

    I thought she would give up and pay it but it's now Thursday and she wont stop talking about it. I guess I could pay half, but I'm kinda strapped for cash.

    If I were her, I'd dump you and take you to court. Magistrate will make you pay without any hesitation.

    How did you even get a girlfriend?

      • wizzy on 10/01/2019 - 20:36
        +1

        I don't know if you are a bad person in general, but you are being a bad person in this instance. Paying the excess would not be you "giving up your rights." You don't really have any rights in this situation because you are entirely in the wrong. Your girlfriend is the one with all the rights.

        If you were truly in a "partnership" then you would care about your girlfriend and feel bad about what you did to her car. If you were truly in a "partnership" you wouldn't want your girlfriend to be out of pocket because of your negligence.

        You should give your girlfriend extra for valentine's day as an apology for behaving so badly.

      • HighAndDry on 10/01/2019 - 20:36

        The hell are you on about? You crashed the car yourself. You didn't crash it "jointly", she wasn't holding the steering wheel while you crashed it.

      • IceCreamBandit on 10/01/2019 - 20:37

        i should just give up my rights and pay it all even though my girlfriend and me are in a “partnership”

        What 'rights' are you referring to here?

      • zonra on 10/01/2019 - 21:14
        +1

        but she wont be getting much for valentines day this year.

        Meh, worry about your own valentines, she'll probably get hers from her new boyfriend.

  • Cheeper on 10/01/2019 - 19:32
    +1

    Put the heavies onto the landlord… he owns the post that damaged your car. (sarcasm)

    OP… You also realise that your ex? GF will have to pay extra for her insurance next year too?? I suppose you have already offered to pay that increase?

    This has to be a giddy up post.. surely?

  • AustriaBargain on 10/01/2019 - 19:39
    +4

    you should write a big list estimating the value of the food she's eaten in your home, as well as the extra fuel costs you've needed to make for more frequent trips to the shop, as well as cost of electricity, share of rent, half the water charge to your place, and also factor in some damages over the anger she's caused you. You might find that she actually owes you a lot more than $500

  • Godric on 10/01/2019 - 19:46

    Good bait

  • spackbace on 10/01/2019 - 19:52
    +3

    Plot twist, OP really loves poles up his rear end…

  • ywpn on 10/01/2019 - 19:53

    Australia says no

  • Daabido on 10/01/2019 - 19:59
    +2

    Three questions.

    1. Did you manage to get to the gym in the end and how did your session go?
    2. Do you regularly date women who break your TV?
    3. What has happened to your girlfriend in the past that she thinks settling for you is a good idea?
  • [Deactivated] on 10/01/2019 - 20:05
    +2

    Crucial missing detail.

    Is she hot?

  • holdenmg on 10/01/2019 - 20:10

    You should pay the excess and whatever the increase to her insurance premium is when it comes up for renewal.

  • wizzy on 10/01/2019 - 20:14
    +2

    I am extremely surprised that you don't think you are responsible to pay the excess. The damage is your fault and you are responsible for paying the excess. The argument has nothing to do with it. You chose to drive. If you were not fit to drive following an argument then you should not have driven. Nothing about the accident is your girlfriend's fault.

    $3000 is a reasonable cost to replace a bumper and insurance companies always charge an excess. An excess of $500 is actually pretty cheap. They are often higher than that. Consider yourself lucky.

    Now that she has made a claim her insurance premium will also go up next time thanks to you - possibly quite a bit. It will stay high for around the next 5 years because of your accident too. Someone who is not as kind as your girlfriend might refuse to claim the damage on her insurance and make you pay the entire $3000. She could take you to court over it if she wanted to and she would win because you are at fault. In fact, given that you are refusing to take responsibility for your own actions, I would suggest that your girlfriend SHOULD take you to court and make you pay for the whole thing.

    • nakahanap on 10/01/2019 - 22:22
      +1

      I couldn't agree more!

      Perhaps OP should give us his GF's contact details so OzB can advise her.

  • [Deactivated] on 10/01/2019 - 20:17

    I think you should take your Mrs down to Grey St and have her work off the damage she carelessly caused by allowing you to drive her car. But I think you should probably offer an ozbargain discount for the advice you’ve received.

  • outlander on 10/01/2019 - 20:18
    +1

    Dude, not are you totally in the right, but you are infact a victim of her negligence. The car obviously had a blindspot.

    I mean, how could she lend you the car and not tell you it had a blindspot. You could have been killed!

    • Screamingeagle on 10/01/2019 - 20:27

      Now Biff. She never noticed that the car had any blindspot when she would drive it.

  • Screamingeagle on 10/01/2019 - 20:33
    +1

    If what you are saying is true. You admit that you had reversed into a pole because you were angry and not thinking. That tells me that you should not be driving a vehicle and that you should catch public transport to you States Transportation department and surrender your licence.

    Seriously grow up and accept the consequences for your actions. What happens next time you are driving while angry and hit someONE instead of something?

  • dailynotsomail on 10/01/2019 - 20:42
    +1

    fake

    "It's HER car. It's HER insurance. Its kinda HER fault because it was because of the argument I crashed it"

    what dumb @ss would actually feel that's a valid statement?

  • FoxJump on 10/01/2019 - 21:06

    My missus once crashed my car by reversing into a pole. She … disregarded the image from the reversing camera and wacked it.
    The bumper got bent.
    She wanted to pay the excess to fix it. I said - nar nar, it's just a bumper, it's okay.
    But she really wanted for it to be fixed and to pay the excess.

    A few months later, the car was written off due to a storm. So she then paid the excess for that event and we called it even. She felt happy at having paid an excess.

    truestorybro

  • Clear on 10/01/2019 - 21:08

    I think we're going to need an MS Paint Drawing OP!

  • hmac on 10/01/2019 - 21:10

    Is this guy for real? You caused the accident so why the hell should she pay for the excess. Surprised she's still with you

  • zonra on 10/01/2019 - 21:12
    +1

    Sighs, I'm out of negs..

  • ibuy on 10/01/2019 - 21:16

    Whatever happened to being a gentleman? You lost your cool. You ran away from the situation and wanted to cool off. You would have been better to take a long walk around the block. Come back and be a gentleman and apologise. If you’re like this over a dinged bumper it may not be a workable relationship between you two over the long term. Both parties are at fault, however if you value your relationship then this ding to the bumper is not the end of the world. Explain you’ll pay. Explain you’re a little cash strapped but you value her and a ding to the car isn’t going to become the end of being a couple. Explain that’s the reason why you were a bit tight on coughing up. If she is as good as you’re hoping she will also come around and understand and you’ll both work things out between you. You’re the man in the situation, you want respect (as does she). No relationship runs smooth 100% of the time and there are far more worse things than paying for a ding to a car. Luckily you didn’t have a ding on the road where you could have got hurt or hurt someone else with your anger. It’s really part of life and learning from your (and her) mistakes. As you’re a couple, you have to work things out together and you’ll both be stronger for it. if she’s the one for you, she’ll understand and so will you. Paying the rent or the repair isn’t the issue. It’s your emotions, pride and relationship that needs to be managed so you both become better for each other.

    • AGoochDeal on 10/01/2019 - 22:02
      -4

      Thanks for your comments (helpful unlike most others). I agree we are both at fault and we both need to manage our emotions (although honestly i think she is still more at fault but I can let it slide for a peaceful relationship).

      Ill talk to her about me paying at least half so we can work things out and move on with our relationship.

      • wizzy on 10/01/2019 - 22:13

        I think you might be confusing who is at fault for the argument with who is at fault for the accident. They are two completely separate issues.

  • Gronk on 10/01/2019 - 21:25
    +1

    Trololololol….

  • Ughhh on 10/01/2019 - 21:46

    Wow you're a catch. Not only are you ignorant, but petty, heartless and irresponsible. Do you know how excess' work??

  • AdamFury on 10/01/2019 - 22:00

    Wow.

  • tsunamisurfer on 10/01/2019 - 22:01
    -1

    You got 'flustered' so you crashed the car?

    Are you sure you aren't the woman?

  • mysterytal on 10/01/2019 - 22:08
    +1

    Borrow the money, pay the excess and move on. Is this question really for real?

  • zonra on 10/01/2019 - 22:14

    I think coz I was angry I wasn’t thinking and reversed it hard into a pole (don't normally reverse out of her driveway).

    It's HER car. It's HER insurance. Its kinda HER fault because it was because of the argument I crashed it.

    I agree we are both at fault

    Dude, go to bed, wake up tomorrow with a fresh mind and then re-read the stuff you wrote.

    She has comprehensive insurance but the insurance company wants a $500 EXCESS payment to repair her car. They said they would pay for it (about $3000 in repair costs!!? - WTF, it's just the rear bumper/panel/reversing camera sections), but want the $500 excess.

    Feel free to repair it yourself if you reckon it'll be cheaper.
    Mind you $500 excess is about as low as it gets.

  • dbui8743 on 10/01/2019 - 22:16

    Is his replying to everyone "committing" to the bit? or just plain stupidity?

  • payton on 10/01/2019 - 22:18
    +2

    get a vasectomy right away, the human race must be assured that you're out of the gene pool

  • itsdougie on 10/01/2019 - 22:21
    +3

    I'd like to know what kinda chick dates a guy like you. please post pic

  • pegaxs on 10/01/2019 - 22:29

    Hahaha, ya’ll posting in a troll thread. I think I got to about the first “HER” and laughed. Read the comments and it’s just full of troll food.

    Next time my wife complains about me, I’m going to let her read this post so she knows that I’m not actually the worst person in the world and that certainly are worse than me, much to her disappointment.

  • bargain huntress on 10/01/2019 - 22:31

    It's actually a very simple decision I suspect:
    Do you want to keep your girlfriend, or your $500?

    • bargain huntress on 10/01/2019 - 22:32

      why do I feel like I should advise you to keep the $500 for HER benefit?…

  • Moderatorneil on 10/01/2019 - 22:35

    OK, I think OP knows what to do now. Comments closed.

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