This is solely to get some advice, opinions and experiences as I've never been in this situation before and hardly ever need to claim on my insurance. OzBargain was helpful last time I had a weird insurance question I had no experience with.
Long story short, I own a Hyundai i30 that has just turned 12 years old. It was top of the range with lots of extras, in immaculate condition and only 90,000kms (I don't drive much, lol). I have not looked at my insurance much over the years as it's actually an addition to my Dad's policy with AAMI.
A scumbag of a useless driver was in a parallel park on a 60km road. As I was about to pull in line with his boot I saw his indicator flick on to pull out…. and then he did straight away without checking at all and slammed into my front passenger side and front wheel arch. My whole front side was wrecked and my car has now been written off.
My insurance will pay Redbook value which is around $5400 according to them. A quick look on Carsales showed that same model cars with equivalent kms (worse TBH) are around $10k - $11k and even cars with much worse kms are about the same.
I am super pissed off with myself for not checking my insurance and what value I was insured at. That is on me, I know. Prices are probably up due to COVID as well.
Having said that, is there any way to make this less painful? A number of friends have said to sue the other driver or his insurance for the difference. I honestly don't know if this is a thing? I also don't have dash cam and it was peak hour so the one witness who came to help me get my car off the road ran off straight away to get his own car out of the way and I don't have his details. All I have are the details of the offending driver and whatever details AAMI may have gotten from him, if they share them.
Am I screwed? I honestly don't need this. I'm not working ATM due to a workplace injury and the loss plus not having a car could honestly ruin me. I am having a super bad year :(
Help or experiences appreciated.
PS: Don't use AAMI. They wrote my car off a week ago apparently and never bothered to tell me. Only know coz I called for an update. I was also in shock when the tow truck came and can't remember how much I removed from the car. I had only just been released from hospital and was probably a bit more shaken than the average person. All I know is I took the expensive stuff out but there's probably things in there I can't recall. AAMI won't play ball on letting us check the vehicle to see what's left.
EDIT: Going through my paperwork it looks like I was on agreed value so no negotiation. I don't know why the guy on the phone said Redbook.
Tbh I was in hospital last time my policy was renewed and a family member handling my mail and bills just paid it for me. It dropped over $1000 from the year before FML and I never bothered to check. Very expensive lesson. Having said that, has anyone ever sued the at fault driver? Is this a thing? Yeah my insurance was not optimum but my loss is still this dude's fault. Feeling very sorry for myself atm haha.
SMALL UPDATE: For those interested, whilst the process with AAMI is still not over and overall this has not been the best experience with them so far, some positive things have happened. The yard where my car is stored cleared my car out and posted everything to me, which is great and I'm very thankful for that and how accomodating they were. AAMI have now also agreed to claim against the at fault driver's policy and have begun that. It's honestly been more hoops than it should have been considering last time I claimed not at fault it was really simple and a good experience with them… but maybe that's just what happens when your car gets written off? Ball is still in their court and we'll see what happens. For anyone considering them though, the assessor has clearly stated they use Redbook to value cars. Considering how off Redbook is for market value, esp atm due to Covid, if that's an issue for you don't go with AAMI.