Car Insurance Queries Help Needed

Willco88 on 26/08/2021 - 21:10

Okay I'm sorry to bother you but I've never had to deal with an accident or claim before?

I'm asking if I'm not at fault and somebody hit me without insurance?

If I tell my insurance company will it cost me anything to fix my car?

Do I pay the excess even if not at fault? And other driver admits fault

Will the insurance company go after the other driver?

i have all their details in just worried I'll be out of pocket?

Automotive Car Insurance Insurance

closed Comments

  • spackbace on 26/08/2021 - 21:14
    +9

    i have all their details

    You'll be fine

    Now go get the comments closed like every other thread you create…

  • andrek on 26/08/2021 - 21:19

    If you can provide the other driver's details and it's definitely the other driver's fault - no, it won't cost you anything.

    The details you should get:
    - the driver's name, address and phone number. If the driver agrees - take the picture of the driver license
    - if the driver is not the owner of the car, the name, address of the person who owns the car
    - the car's registration number, brand, colour and model
    - insurance policy details

    I also always take pictures of all damage to both cars.

    • spackbace on 26/08/2021 - 21:21
      +2

      And call the number they quote you, right there and then

    • Willco88 on 26/08/2021 - 21:32

      Do I need to get money from them

      • Ughhh on 27/08/2021 - 00:16
        +4

        … You really need to read the PDS, given you're not even sure about the basics.

  • Melb69 on 26/08/2021 - 21:22

    Call the insurance company

    • SF3 on 26/08/2021 - 21:52

      This is OzPseudoSomethingOrOther.

  • Willco88 on 26/08/2021 - 21:22

    What will happen with the costs? will they need to go after the driver or do I go after the other Driver?

    • randomusername2017 on 26/08/2021 - 21:30
      +2

      do I go after the other Driver

      Yes
      Usually involves duelling forum posts keyboard warrior style.

  • Willco88 on 26/08/2021 - 21:32

    Interesting

  • jaffar on 26/08/2021 - 21:51
    +1

    Open your PDS document, it will give you most of the info you need.

  • Hardlyworkin on 26/08/2021 - 22:13
    +6

    Of you were as good at using Google as you were posting comments every 5 seconds them you'd have your answers by now.

  • Marcsie on 26/08/2021 - 22:24

    How old are you ?

  • kerfuffle on 26/08/2021 - 22:25
    +4

    I smell troll. Check out the OP's other posts. Seems to know quite a bit about cars, but not about car insurance?

  • Willco88 on 26/08/2021 - 22:30

    Thanks to those who actually helped

    • brendanm on 27/08/2021 - 06:48

      The insurance company?

  • randomusername2017 on 26/08/2021 - 22:53
    +1

    🔒

  • pegaxs on 27/08/2021 - 07:46
    +1
    • First question isn’t a question.
    • Second question isn’t a question
    • It may initially cost you your excess until they can locate the other drive and determine if they are at fault.
    • Depends. Ask your insurance company. They all handle it differently.
    • That’s not up to you to decide. If it can be proved the other driver is at fault, your insurance company will deal with it.
    • Again, this is not a question.
  • pharkurnell on 27/08/2021 - 11:46
    +2

    What did the insurance company say when you called them?

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