Hit a Family Members Car in The Driveway

tydollasigncuz on 29/08/2019 - 22:06

ok so my sister who lives interstate was home and she parked in a way that blocked half the driveway.

i was just doing my usual, leaving to the gym, not used to checking if there was a car bloking our wide ass driveway, i reverse and hit the car making the bumper hang off on one side and denting the front door on the left hand side. and my car has nothing but the slightest scratch that is barely noticeable.

noone in our family has ever filed a insurance report before so we arent sure what we are meant to do.

do i do the report in my name or does she do it in her name? the excess doesnt even matter.

im 19 shes 26

thanks

Automotive

Comments

  • whooah1979 on 29/08/2019 - 22:09

    im 19 shes 26

    Claim using your sister’s insurer.

    • tydollasigncuz on 29/08/2019 - 22:09

      alright perfect. thats all i needed to make sure.

      • Dont Care on 29/08/2019 - 22:44

        how will u lie and claim that she hit you. how would she have not seen your car on a driveway and not able to brake herself. you're done bud.

        • whooah1979 on 29/08/2019 - 23:07

          There is no need to lie. His sister may file a not at fault claim with her insurer.

          • k-rokfm on 30/08/2019 - 08:18
            +1

            @whooah1979: But when she says "my car was parked" they will ask for the brothers insurance details

    • Randxyz123 on 30/08/2019 - 09:41

      That’s not correct. You can’t claim using someone else’s insurance.

      She can make a claim, she won’t have to pay her excess and get some quotes. Then if it’s less than your excess, just pay it, if it’s more then use your insurance.

      • whooah1979 on 30/08/2019 - 10:17

        The not at fault party have the right to make claim the other party.

        Op's sister may file a claim with her insurer which then will go after the other party.

  • Master Bates on 29/08/2019 - 22:50
    +14

    I would just pay for it to be fixed without going through either insurance company.

    Why raise your insurance premiums when you can just work a little harder and pay cash?

  • sa-ozzie on 29/08/2019 - 22:52

    If your under 25 you pay more

  • Euphemistic on 29/08/2019 - 23:14
    +6

    Get a quote for a cash repair.
    Read your insurance policy and see what it will cost you/her to claim
    Choose your best option. (Cheapest, easiest, best is up to you)

  • suchislife on 29/08/2019 - 23:27
    +3

    I have read in the PDS for some insurers that you can't claim if you crash into a family members car. (I assume to avoid people deliberately crashing to do a dodgy claim). Check your policies but I would not go through insurance for this and just pay to fix it.

    • whooah1979 on 30/08/2019 - 04:51

      you can't claim if you crash into a family members car.

      Family members that live at the same address and are not listed on the policy are sometimes not covered. It should be ok for visiting family members.

    • Zeusy on 30/08/2019 - 06:55

      They will need to both lodge a claim on their own respective policies in that caseand pay their excesses, as the policy might not cover a family member’s car but it will still cover the damage to the car covered by the policy, even if it has collided with a family member’s car

    • poboy on 30/08/2019 - 07:32
      +2

      I understand it's to protect against damage caused in the heat of a relationship breakdown.

      • [Deactivated] on 30/08/2019 - 08:08
        +1

        I bust the windows out ya car
        And no it didn't mend my broken heart
        I'll probably always have these ugly scars
        But right now I don't care about that part

        I must admit it helped a little bit
        To think of how you'd feel when you saw it
        I didn't know that I had that much strength
        But I'm glad you see what happens when
        You see can't just play with people's feelings
        Tell them you love them and don't mean it
        You'll probably say that it was juvenile
        But I think that I deserve to smile

        I bust the windows out ya car
        You know I did it cause I left my mark
        Wrote my initials with the crowbar
        And then I drove off into the dark

        Happened to a mate. She broke into his place, thrashed it, got into the garage and smashed his windscreen and scratched her initials and the word "cheater" on his sports car. She then called him and left this song on his voicemail. Her dad paid for the damages. Not sure if insurance was also involved.

        • try2bhelpful on 30/08/2019 - 10:46

          That is seriously messed up. I think people who do that sort of thing need "warning, psycho tattooed on them".

          • [Deactivated] on 30/08/2019 - 11:19

            @try2bhelpful: Her dad enabled her behaviour and she was messed up because of him. He told her she could have anything she desired. He even tried to get my mate to marry his daughter AFTER the 'incident' by offering him his dream job.

  • Zedsdeadbabyzedsdead on 30/08/2019 - 01:25
    +12

    "im 19 shes 26"

    Is she single?

    • k-rokfm on 30/08/2019 - 08:19
      +3

      Yeah, but dont trust her brother with driving your car

  • Bourb on 30/08/2019 - 05:23
    +1

    Do what Euphemistic suggested and get a Quote for repairs before you do anything.
    When you work out how much it will cost in Insurance excess, etc, it may work out cheaper just to pay cash for the repair.

    • tydollasigncuz on 30/08/2019 - 14:54

      the whole front door needs to be replaces, the front bumper aswell. its more than 700$ which is the ecess price

  • Ryanek on 30/08/2019 - 08:47
    +1

    You have to pay excess and may lose your no claim bonus. Why not just handle it between family?

  • pjetson on 30/08/2019 - 09:01
    +3

    not used to checking if there was a car blocking

    What if there was a child playing in the driveway?

    • Euphemistic on 30/08/2019 - 09:30

      Get a quote for damages then check insurance policy?

    • lewislardboy on 30/08/2019 - 09:42

      "…and she parked in a way that blocked half the driveway."

      First sentence is automatically trying to frame his sister being partially at fault. How daaaaare she park in the driveway.

    • Cheapo Moose on 30/08/2019 - 09:45
      +1

      What if there was a child playing in the driveway?

      Exactly. It does my head in how people are so absent-minded these days.

    • savage bargain on 30/08/2019 - 15:24

      I was just about to comment that. We know people who sadly lost their daughter who snuck out of the house for the first time and ran across a driveway while someone was reversing before her Mum could catch her. Both families lives are never, ever going to be the same again - the poor bloke who was driving was only in his early 20s and is not coping well.

      It only takes a moment to check if something unexpected is going to happen. After all, it's called a car accident - it's not like people go out wanting to smash into other people's cars/bikes/bodies/etc. (Well, most people don't want to do that…)

  • PCHammond on 03/09/2019 - 23:22

    Check with your home insurer. I backed into my sister's car ~15yrs ago when we were both living with the parents. Home insurer covered it. No idea how since this was a long time ago

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