Car Damaged While Parking in Front of Domino's Pizza Store. How to Proceed with Insurance Claim?

jerome on 08/12/2020 - 09:24

Hi guys,

I noticed there were some damages to my car door, the car was parked on the street in front of a Donimo Pizza store.
While investigating the damages, the shift runner get out and told me that a Domino bike (or what ever "loose object" on the foot path) hit my car door due to strong wind.
He said Domino would take care of that.
He gave name, phone number, his Student card (he said he has no Driver License) and another person name with phone number (I think Store manager).
He also write down my details on the same paper we both taking photos of the damages.

He said he already reported the incident to Domino store/office.
Later on the shift runner also SMS providing the store phone number for insurance purpose.

I rang the store number the same day mentioning the incident and the guy on the phone also aware of it and said it already reported & I got everything I need to have.

My concern here is the insurance company might ask me to get the claim number from Domino (which would be a lot of hassles & could be impossible), otherwise I have to pay the excess.
I have comprehensive insurance with RACV.

What is my case here?
John Doe vs Domino
OR
John Doe vs RACV (and RAVC vs Domino) ? (more likely I think)

Thanks in advance guys.

Automotive Car Insurance Insurance

Related Stores

Domino's
Domino's

Comments

  • Fredfloresjr on 08/12/2020 - 09:26
    +17

    Call your insurance company and provide the details and let them deal with it.

  • Heaps for Cheaps on 08/12/2020 - 09:29
    -5

    I would firstly obtain two quotes and present it to Dominos with the details along with something written…

    re: something here…

    Hello Pizza Providers,

    Please see attached quotes for an incident occurring on xx, xx 2020 where a Dominos vehicle hit my stationary, parked car at the front of the XXX store.

    -incident details, photo, blah blah

    I have obtained two quotes from local repairers to rectify the damaged caused on the xx, xx, 2020.

    Please see attached documents and advise which repairer you prefer to finalise this matter.

    Regards,
    jeromé, 23584

    It sounds like Dominos aren't trying to fob it off and have reported damage straight away so head office and the store know it's an open and shut pizza box case.. It will likely be as simple as them paying the quote to the repairer and you get it fixed before you need to involve your insurance and have them hold a not-at-fault accident against you… They say they don't, but IDK.

    • netjock on 08/12/2020 - 10:42

      It is the right way to go if you don't want to have to answer how many claims you have had in the last 5 years (fault or non at fault). It seems like insurance companies are lazy to do paperwork when it isn't your fault.

    • pegaxs on 08/12/2020 - 11:00
      +2

      firstly obtain two quotes

      Not required. You don't have to get 2 or 3 or more quotes. You only have to get one at where ever you prefer to get it repaired.

      (not my negs btw…)

    • adam on 08/12/2020 - 11:52
      +1

      OP has comprehensive insurance, why should they bother to write to anyone or get any quotes. Just contact insurance & let insurance company sort it out with dominos.

      • apsilon on 08/12/2020 - 12:11
        +4

        Making a claim, even when not at fault, will result in higher premiums down the track. If you can deal with it outside of insurance you'll almost certainly be better off long term. I wouldn't recommend it if dealing with an individual but Domios seems to be doing the right thing.

        • Euphemistic on 08/12/2020 - 12:21

          If you can deal with it outside of insurance you'll almost certainly be better off long term.

          Better off financially, but time and stress wise using insurance is a better option.

          • apsilon on 08/12/2020 - 12:24
            +3

            @Euphemistic: I don't think there'd be any difference in time or stress in this case. As I said, dealing with an individual who could change their mind at any time and drag things out, sure, go with insurance. But dealing with a legit business that's done the right thing upfront, IMO you're not going to spend any more time dealing with them than you would your insurer.

  • Muzeeb on 08/12/2020 - 09:34
    +1

    Submit an online claim with RACV.

    You enter at fault details, pay no excess and you will be directed to your nearest assessment centre. Without a registration or licence number you may be directed to the call centre.

    It's so easy a kid could do it.

    • jerome on 08/12/2020 - 10:18

      I've tried online and you're right this kind of claim only can be done over the phone.
      I think I'll phone to proceed with the claim and uploading the evidences after that…
      Thanks

  • jerome on 08/12/2020 - 10:16

    Sorry for wasting your time here but when I first rang RACV on the same day they said I would need to pay the excess first if I don't have the claim number from Domino.
    RACV will pay me back the excess when they get could get things sorted out from Domino guys.
    Is that normal?
    Of course I don't want to pay excess in this case.

    • sim777 on 08/12/2020 - 10:24

      thats normal. you pay excess first to get car fixed then RACV will follow up with Dominoes and RACV will return your excess. Other option is to wait until you have the claim number from Dominoes

    • Muzeeb on 08/12/2020 - 10:42
      -1

      Call the contact details you have at Domino's and ask for the claim number. When you have it submit your claim.

      Perhaps call RACV now advising them of the incident so it's all time stamped and on their records. Inform them that you will complete the claim once you have the extra details from Domino's.

    • Ughhh on 08/12/2020 - 17:27

      RACV will pay me back the excess when they get could get things sorted out from Domino guys.
      Is that normal?

      Yes. Some insurance providers don't require you to pay excess first though.

  • AustriaBargain on 08/12/2020 - 10:18
    +12

    Wow that kid took his job pretty seriously. I reckon most young people would have ignored it or covered it up. Probably most older people too.

    • andresampras on 08/12/2020 - 14:11
      +1

      My thoughts exactly. Kudos to the decent Domino's staffer.

      I've seen a ute driver in his 40s reverse into a parked car, look around furtively then drive off.

      Luckily i had dash cam footage and handed it over to the owner

  • jerome on 08/12/2020 - 10:57
    +2

    Thanks guys, I will claim with RACV and let them sort it out with Dominoes.
    It's their job anyway.

    • newjerseydamo on 08/12/2020 - 11:06
      +1

      Correct.

      You don't need to get the claim number from Dominos, you just deal with your insurance company, they chase Dominos.
      Easy.

    • Muzeeb on 08/12/2020 - 11:06
      +2

      That is what you pay them for.

  • MadKaw on 08/12/2020 - 13:43
    +2

    As stated above, if you go through RACV your premium may go up, even though not a fault. Happened to me with a Budget Direct, so I changed to Bingle (they don't increase if not a fault).
    From RACV - If you make a claim for something that is not your fault, for example
    your motor vehicle or motorcycle is stolen, damaged by storm or
    someone scratches the paintwork, your Policy’s Rating will not
    change. However, these claims will be taken into account as a
    pricing factor when calculating your premium.

    • Heaps for Cheaps on 08/12/2020 - 14:07
      +1

      Spot on. OP will be paying a premium every year after from now on once claimed through insurance, even if it isn't his fault.

  • 87percent on 08/12/2020 - 14:52

    Surprised you actually have comprehensive insurance. Seems that most drivers on here have none, or 3rd party only

    • Heaps for Cheaps on 08/12/2020 - 15:30
      +1

      I think we should call it 'self-insurance', underwritten by the value of a persons assets and future earnings.

  • holdenmg on 08/12/2020 - 20:01
    +1

    On the Domino.com.au site it says:
    Zero Contact Pick-up and Delivery
    Maximum Care, Zero Contact.
    https://ibb.co/BjzSB6X

    So how what happened, happened I don't know…

    • Heaps for Cheaps on 08/12/2020 - 20:53

      Ahhh, you have made a classic mistake.. that wording includes the " (TM) " Trademark symbol, so it's not actually factual… Sort of like "The Fresh Food People" at Woolworths or or "100% Beef" at McDonalds.

      • holdenmg on 08/12/2020 - 21:32

        Damn Fine Print.

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