Rear-Ended by an Uninsured Driver Who Says He Can't Pay. What Are My Options? (I'm Uninsured as Well)
Last edited 01/05/2019 - 09:30 by 1 other user
The accident happened in QLD. I don't have comprehensive insurance (I was declined because my licence was suspended 2 years ago for speeding). The guy who rear-ended me doesn't have comprehensive insurance or third party property insurance. I'm gonna get some smash repair quotes tomorrow. I'm guessing it'll cost in excess of $5K
He says he can't afford to pay me back. What are some of my options? Here's what I came up with:
- Letter of demand via a lawyer —> go to court. Problem: even if he was ordered to pay up and he refuses, there's probably nothing I can do about it.
- Installments directly to me - I just don't trust the guy on this.
- Ask him to take out a personal loan from a bank to cover my repairs, then pay the bank in installments.
All advice appreciated.
- I only have the standard QLD Compulsory Third Party Insurance. No third party property or comprehensive insurance.