Hi OZb,
So went back to my car and saw this https://ibb.co/sqYsr0z. First time for me. I have comprehensive insurance but will it make everything worth to pay for excess and accept the fact that my premium will go up? I have Blackvue dashcam unfortunately was not captured as it was on the side. No CCTV around the place. Will reporting it to police will help or should i just take the big L? Thank you.
Of course he’ll be paying. Some insurance companies require a report number.
Waste of time
Something similar happened to me several years back except for vandalism. Advice from police station was to call it through to the police assistance line, they can log the event and give you a number for insurance purposes.
Assistance line said it’s important to report through to them anyway not just for insurance but it also helps them understand where crimes are occurring for resource planning.
If you didn't capture anything, there is nothing to go by.
It's one of those times where you just suck it up. Shitty people exist.
Get a quote and decide from there. Usually it's cheaper to just pay for the repair than claim and potentially lose your NCB and have a higher premium for several years plus you'll have to pay your excess.
Friend had her 2 week old car hit last week. She'd only taken it out of the garage twice. Not as bad as yours and I believe I'll be able to polish out most of but there are four small dents which she'll have to get pulled later if she wants to bother.
People who do this shit are scum.
Unless OP has opted for the highest excess, it will be cheaper to pay excess.
You're looking at replacing two panels and paint to match, plus the plastic side skirt. Easily $2k
Depends on if OP is going to lose their NCB. If his premium immediately jumps 60% (probably more as his risk category will also increase) and takes 6 years to recover it, the cost over time could easily be way more than paying the say $2k repair up front. For some even if you retain NCB the premium increase from having lodged an at fault claim (as no other party can be named) costs from the premium alone could still outweigh the repair cost over time.
I used to calculate all that but you get repair warranty with an insurance claim and you're not going to lose sleep over the final bill.
If the job isn't done to satisfaction, it's very easy to deal with if the insurer is paying.
@[Deactivated]: Each to their own but if you have a $1200 premium and lose your 60% NCB that $2k repair is actually going to cost you a minimum of $6000 plus excess over the next 5 years even if the premium doesn't increase at all.
@apsilon: In my experience you don't lose your entire NCB. It'll just go from 60% to something like 50% etc.
@fatpizza: I didn't lose anything at all.
My car got broken into and on finding nothing, was vandalized.
Insurance didn't need my police report even though one was made.
My premium didn't go up whatsoever… Maybe a few bucks but would be in the realms of 1%.
@apsilon: Uhmm your math is off.
If you are already paying your $1,200 premium regardless of this incident, $6,000 over the next five years means there zero net difference plus excess.
If lose your 60% discount, which btw, I've never heard of, instead of paying $6,000, you pay $3,600 more assuming that the NCB doesn't get reinstated (which would have gradually increased after the first year).
Also, a $30,000 car is unlikely to have a $1,200 premium even after adding all the extras.
@[Deactivated]: I'm saying it'll cost you at least $6k above what you would've paid. $1200 premium goes to $3k, that's an increase of $1800 the first year plus probably a $500 excess so you've already lost more than you would've if you just paid $2k upfront. The second year your premium will be $2700, another $1500 loss over what it would've been and so on.
Many policies do offer a protected NCB which is why I've said IF the OP were to lose it. It's not clear cut either way but it is something I would consider in my decision.
$1200 premium is pretty common in Sydney. Just did a quick quote, NRMA Comprehensive Plus on a new Corolla, $26.5k value with my perfect history and good area etc premium is $1150 with 60% NCB
You dont know that. Best advice is to get a quote. Then decide. There is NCB to consider as well
Actually, I do. You can Google the cost of each of the damaged panels and then add in cost of respray, and estimate the cost of labour.
Loss of NCB isn't going to be from top tier to nothing, it will be one rating down and will recover after a year or two.
It's all very predictable.
Police and insurance don't care because there's no evidence. You can look around for cameras.
Next time get a dash cam that runs on all sides even with turned off car. Sorry OP.
Any suggestions on dashcam that capture all sides and front back
Uh, front back is sufficient. The person has to drive away somehow and you'll capture a mangled car either going pass your front or rear camera.
If one is still paranoid, side capture is still insufficient. You'll need to 360 mounted to the top of the car like a Google maps vehicle.
You will return with a flat battery every time. bad idea
I've been using it for 4 years in multiple cars (just front and back) and haven't had a flat battery. It doesn't run non stop, it is motion and/or shock sensing.
Unless the car is going to be left alone for a week or so, it doesn't drain flat. Even if it was, there's a low voltage cutoff. Even if that wasn't there, you can get a Li battery pack.
Everytime… I don't think so.
That really sucks - had a near identical thing done to me not long ago. Why are people such scumbags - first to be such a crap driver and then to think it's acceptable to just drive off.
Real bummer, don't let it get you down or thinking everyone is such a douche.
Why did you get comprehensive insurance if you aren't going to use it?
Would you use insurance if excess costs more than the fix?
Would you use insurance if excess costs more than the fix?
Thats going to cost more than the OP excess at a guess…….
I think OP got it hoping he only need to use it when it's actually his fault.
Bad day for you. All you have to do is PAY for excess. ( no other choice. )
There are other choices:
Do nothing, no repair
DIY repair (parts from wrecker or home panel beatinng)
Pay a panel shop/mate cash to do it on the cheap.
Pay the going rate for a proper repair.
Or
Pay the excess and have insurance repair it for you.
There are different consequences for the final decision.
Claim insurance or repair yourself
I have comprehensive insurance
Ok then…. What do you want us to do? As you say yourself, you have no infomation, no footage, no note.
Log a claim and get it fixed or don't.
Get CSI to run the scratch in their database, they'll have the culprit in no time!
But we don't have CSI. We have our local police.
You're more likely to cop a traffic fine on the way to the station than having your case solved.
You should have gotten 3rd party only. It would have made this thread more interesting.
I did it, OP.
Poor Civic looks fairly new?
Cops won't do much except give you a report number. You will have to pay the excess but it shouldn't effect your no claim because it was not your fault. Each insurer is different.
Once you clean it, It shouldn't look to bad its mostly paint.
That really sucks OP. Just curious though, why did the Blackvue not capture anything? Surely it would have started recording as soon as the impact occured, and then you would see a scraped car going past? And most of them have front and rear view don't they? Should have captured at least something. If it didn't, then no way I would spend $500 on one. I keep my $60 B1W running all the time using a power bank, and very careful about where I park also.
Damage like that will be less than $500 to repair.
Maybe to replace the plastic skirting alone, sure, $500. Not much change out of that after paying for labour.
I had similar damage to my car when a mate misjudged the distance of a pillar at a parking lot. I’m not entirely sure how another car could have done that sort of damage
I agree. It's unusual impact damage; certainly not a sedan or SUV collision that's done that; the range of damage is too deep.
That, plus the OP /is/ driving a Honda…
Even if not your fault your premium goes up after an accident. It's stupid.
Of course it goes up. Your premium is calculated on your risk, not based on how much the insurer wants to punish/reward you.
If you're more likely to be in a collision, regardless of fault, you're a greater risk and a greater expense to the insurer.
that's very speculative. If I was hit up the arse because some numpty was on his phone, not sure how that equates to me being a higher risk.
Yet I have a car with the highest safety rating that literally avoids almost all driver initiated accidents, yet there is no discount.
It's a sad day when people start supporting insurance companies tactics.
that's very speculative. If I was hit up the arse because some numpty was on his phone, not sure how that equates to me being a higher risk.
That's not how risk works. Your risk of a collision is based on guesswork (based on statistics) like the likelihood of your car being stolen in particular neighbourhoods. It's still not your fault but regardless, the risk is higher.
If you've been in a collision (again, regardless of fault), it is no longer just guesswork but you are demonstrably more likely to be in a collision than someone who hasn't.
It's not an insurance "tactic", it is basic actuarial science.
If you have multiple/higher than average non at fault claims, then even though you're not a fault, there's someone wrong with you/your skills.
You cost them money, they cost you money. Simple logic.
Option 3, keep driving it until someone crashes into you and claim against them for the repair
Haha… dodgy but has been done before. Once had a front grill (lower section) pop out from driving over a tree branch. Several years later someone kept going on a red light and hit the front of the car, and that grill got replaced…
Can't have nice things anymore as there are some absolute dog kents out there these days.
Report it police for insurance purposes to get your event number.