NSW- At fault car accident - No insurance

hitubaba on 01/07/2022 - 20:28

I know i may get the flak for this. Have been a safe driver and had been delaying getting my car insurance due to lack of time and abundant tasks at hand…. However i learnt the lesson today. I was involved in 3 car accident in wet slippery road. Guy in front of me was a Red P .

Long story short the Red P in front of me braked hard, i braked hard but skid through and hit his car and his car hit the one at front(he had a tow bar hence tow entered through the grill of the Red P car, so had to call Towing.

I understand i would naturally be at fault however i only have CTP AND NO other insurance. What are my options to cover all our cars without going through big bill from their insurance to me. Can immediately get an insurance that can cover me instantly. I have learnt my lesson but i really don't have the cash to fix all these cars especially if there are write offs. Please help urgently.

Automotive

Comments

  • dust on 01/07/2022 - 20:30
    +217

    Can immediately get an insurance that can cover me instantly.

    No you cannot. Big bill is coming.

    • poboy on 01/07/2022 - 20:44
      +115

      That's incorrect. You can get insurance that covers you immediately. Just not retrospectively.

      • dust on 01/07/2022 - 20:45
        +56

        Maybe I wasn't being very clear. I was referring to the fact that OP can't take out an insurance policy now that will cover the accident they were in today.

          • rewstar on 03/07/2022 - 00:00
            +4

            @nobro25: You have cover during the cooling off period, you just can't cancel your cover during the cooling off period if you have made a claim.

          • NMC on 03/07/2022 - 09:16
            +7

            @nobro25: That's complete rubbish. Off course you can take out an immediate insurance policy, when you purchase a car you call the insurer for a cover note so you a covered as soon as you pick up the car.
            You just can't get cover retrospectively

        • MrFrugalSpend on 05/07/2022 - 00:45
          +2

          After the insurance payout maybe OP can go bet on a horse "immediately" as the race finishes too before spending the money on repairs to his car, and profit from the whole venture….!!?? :-?

      • dickiee on 05/07/2022 - 12:16
        +1

        If only he was on the phone to his insurance company and became distracted by the terms and conditions which caused the accident. Could sue the insurance company if they knew he was driving at the time 'due diligence'.

        This is why I keep a neck brace and the moon boot on my back seat for emergencies.

    • SF3 on 01/07/2022 - 21:48
      +13

      Please help urgently.

      OP should start a 🎻 gofundme. /s

      • Price Hike on 04/07/2022 - 11:06
        +14

        Maybe an Onlyfans showing the double rear-ending

    • Ajax45 on 01/07/2022 - 22:55
      +75

      Have been a safe driver

      Been pouring out today yet follows a car close enough to rear end them and push them into the car in front - a Red P of all drivers as well. Couldn't pay me to follow a Red P in this weather.

      Also, delayed his car insurance due to lack of 5 minutes on the phone or online then drives like this in terrible road conditions. Like mate, you literally could've bought insurance for your car while you were on the shitter.

      Time to give the bank a call about a loan.

      • grr1701 on 03/07/2022 - 10:02
        +17

        I guess the relevance of referring to the car he ran into as “a red P-plater” is to automatically put some blame onto him/her. THEY drove appropriately (and probably made time to get insurance.)

    • borrisz0r on 02/07/2022 - 11:16
      +8

      Big bill is some sort of Bikie I'm assuming.. to break legs and thumbs?

    • HeWhoKnows on 02/07/2022 - 20:01
      +18

      yet another uninsured driver post
      That must make 2,001 fools this year.
      Surely OBs are over this topic
      And the questions raised show how foolish OP is.

      I suggest OP keeps thier head buried in sand and save the shame.

      Best advice is for OP to be referred back to the other 2,001 posts and just leave us in peace
      2nd best advice is no insurance, no driving. very simple!
      3rd best advice is work out how you are going to pay for all the damage (for the rest of your life)

      • Jackson on 03/07/2022 - 09:10
        -4

        If all you are going to do it complain, why not just ignore the post altogether? It seems to have caused you some heartache, would be better just to avoid.

        And everyone complaining about OP copping a big bill, and that he will be paying it off for the rest of his life. That may be true, he may go to courts and ask for mercy and looking at their clean record and understanding they are poor, they may tell him to pay 20 bucks a week. How fun is that going to be for the other parties if they aren't comprehensively insured?

        IMO they should make 3rd part insurance part of every driver under 25s requirements. It's always this cohort that having issues, and it can be a tough time for people studying/working/finding a partner/trying to experience life.

        • kerfuffle on 03/07/2022 - 09:18
          +2

          IMO they should make 3rd part insurance part of every driver under 25s requirements. It's always this cohort that having issues, and it can be a tough time for people studying/working/finding a partner/trying to experience life.

          Wouldn't apply in the case of OP. They said five years ago that they only had their Australian licence for 2 years and they had a wife at the time, so I think it'd be safe to assume they're over 25.

        • HeWhoKnows on 03/07/2022 - 10:24

          Seems we see these "Not insured" posts every 2nd day
          You would think OBs would know better by now that the best baragin is to HAVE INSURANCE COVER BEFORE YOU DRIVE!

          And 3rd party property should be compulsory for EVERYONE !

    • Franc-T on 03/07/2022 - 09:54

      This. Just be prepared to get a loan if you will need it. If you hit a car and pushed into a second, you can be held liable for both.

      (Which is perfectly correct). Please dont be an (profanity) to the P driver about the third car, this circumstance is 100% your fault and should be 100% your responsibility to pay.

    • ihbh on 06/07/2022 - 11:59

      Of course you can. That's how everyone buys their insurance. Right after their accident, they pay a couple of hundreds of dollars in premiums while the insurer pays out tens of thousands of dollars in cost.

      Oh and pigs fly.

    • HeWhoKnows on 19/07/2022 - 20:05

      Read to other 500 posts on this subject

  • iChopstick on 01/07/2022 - 20:39
    +28

    You cannot back date an insurance policy, so even if you take out a policy now, it won't cover you for this incident.

    But do get an insurance asap for future sake.

    • dust on 01/07/2022 - 20:43
      +36

      But do get an insurance asap for future sake.

      OP might have to sell their car to pay for the damages so getting insurance now probably won't be necessary.

      • johndoh89 on 03/07/2022 - 01:36

        Their car probably wasn't worth enough before the crash.

    • suzley on 02/07/2022 - 12:51
      +1

      Shouldn't that be the bleeding obvious? (For the OP I mean.)

    • HeWhoKnows on 02/07/2022 - 20:08

      Too late
      No insurance company will cover someone that has just had an accident and with no insurance.- especially young fools!
      OP is out on the 1st strike!

      Suggest OP opens up an Uber account.

    • Krankite on 04/07/2022 - 07:40

      But what if my friend's girlfriend is pregnant and I need to go overseas for university.

  • Tee Rex Arms on 01/07/2022 - 20:39
    +11

    Some punter would clean up making a website dedicated just to these type of trash posts

    • dust on 01/07/2022 - 20:42
      +43

      OzBargain already exists though?

      • HeWhoKnows on 02/07/2022 - 20:09
        -1

        Should be an automatic redirect to the prior 2,001 posts regarding uninsured drivers

    • iChopstick on 01/07/2022 - 20:44

      Not quite the same, but we do have Darwin Award

    • AustriaBargain on 02/07/2022 - 11:29
      +3

      That someone exists, his name is "Scotty".

  • wei13 on 01/07/2022 - 20:45
    +22

    If your story is true, then you'll probably end up on a very long payment plan repaying the other parties' insurance company.

    • HeWhoKnows on 02/07/2022 - 20:10

      And all car insurance applications will be rejected for a very long time!

      OP has burnt themselves to a cinder, big time!
      Ashes to ashes, dust to dust…..

      • Smol Cat on 02/07/2022 - 22:00
        +5

        Why would he get rejected if he just pays it back eventually? Why does getting in an accident without insurance exclude future insurance? Never heard of this.

        • HeWhoKnows on 03/07/2022 - 10:28
          -4

          Obviously you have just entered the world of driving no doubt.
          Insurance companies are not charities.
          They only insure drivers with low risks

          If OP was able to get car insurance it would cost more than the car itself and excess even higher!

        • imurgod on 03/07/2022 - 11:40
          -1

          It's your legal duty of disclosure to let them know of this accident.
          You can lie but they will use it to deny a claim when you have an accident.

          • trapper on 04/07/2022 - 11:18
            +3

            @imurgod: You can still get insurance though, even after one at-fault accident…

    • Pinchy on 06/07/2022 - 13:15

      Or declare Bankruptcy

  • Mechz on 01/07/2022 - 20:45
    +6

    Might be time to call your bank for a loan.

    • HeWhoKnows on 02/07/2022 - 20:12

      With what collateral?

      • Mechz on 02/07/2022 - 21:23
        +5

        Who needs collateral? Unsecured personal loans for a fair amount are not hard to come by.

    • GenerallyClumsy on 04/07/2022 - 15:54

      Hopefully, the other parties are insured and OP can got on a payment plan. No point in getting an expensive personal loan for this.

  • Mistredo on 01/07/2022 - 20:50
    +30

    I still don't understand why third-party property insurance is not mandatory like in Europe in such nanny state like Australia…

    • Brian McGee on 02/07/2022 - 11:14
      +5

      Because people are important but things are not.

    • BartholemewH on 02/07/2022 - 11:36
      +9

      What would sustain the OzB Automotive forum?

    • bongom on 02/07/2022 - 12:24
      -6

      Nanny states rules only exist to generate state government revenue.

      • Waltervp on 02/07/2022 - 13:00
        +8

        You don't think nanny states are trying to protect their 'children'. Clearly people aren't doing the right thing, driving uninsured and whatever, so wouldn't it be simpler if they said a basic insurance is compulsory? Personally I'd simply put the insurance and registration component in the cost of petrol. It means petrol is 50c per litre more but people pay according to how much they drive and how big their vehicle (and potential damage) is. Also means when someone goes half in fuel they actually go half in some of the questionnaire expenses too. And people would perhaps be more frugal in using cars, share more etc. Much fairer. Nothing to do with being a nanny state.

        • trapper on 04/07/2022 - 11:19
          +1

          so free insurance for electric cars?

    • Tleyx on 03/07/2022 - 09:15
      -6

      If I have the money in the bank to cover it why should I be forced to have it?

      • grr1701 on 03/07/2022 - 09:50
        +2

        How much is “enough” in your opinion?

      • imurgod on 03/07/2022 - 11:41
        +4

        You don't

      • Piranha2004 on 03/07/2022 - 22:14
        +5

        What if you hit a Lambo? Or drive through a retail store? Or hit a power pole taking out a dozen cars in the process?

        There is a reason why there are limits to the liability which range in the 10s of millions. How naive.

        • Tleyx on 03/07/2022 - 22:47
          -7

          How could I so any of those on a bicycle?

          • anzacpaul on 04/07/2022 - 09:52
            +12

            @Tleyx: I'm sure you were acutely aware the discussion was about cars, not bicycles, but once @Piranha2004 called you out with facts, you tried to think of a witty reply and move the goalposts.

          • Piranha2004 on 04/07/2022 - 17:01
            +1

            @Tleyx: Because this is a thread about car insurance and you didnt mention anything about bikes.

    • Freestyle on 03/07/2022 - 21:19

      maybe we expect people to not be dumb?

    • locknuts on 04/07/2022 - 07:06
      -1

      I'm actually glad people can still learn from their own mistakes in some ways here. People who are wrapped in the cotton wool of government regulation are weak and pathetic.

  • Pelicannn on 01/07/2022 - 20:55
    +17

    OzB roasting thread of the month inbound in 3…2…1

  • WreckTangle on 01/07/2022 - 20:59
    +3

    You could always declare bankruptcy if you need to

  • kaikor on 01/07/2022 - 21:06
    +61

    'delaying getting my car insurance due to lack of time and abundant tasks at hand'

    All it takes is just 5-10 mins of your time to quote & buy it online, is it really this hard?

    • smartazz104 on 02/07/2022 - 11:54
      +39

      But you don't understand, if I have an appointment at 3 PM, I can't do anything for the entire day.

      • bdl on 02/07/2022 - 14:34
        +23

        I have a car accident booked for 2:30p though

      • Vote for Pedro on 02/07/2022 - 17:49
        +6

        Omg i have these moments every now and then

    • DarkOz on 02/07/2022 - 12:10

      Can immediately get an insurance that can cover me instantly.

      He answered your question even before you asking.

      • HeWhoKnows on 02/07/2022 - 20:15
        +1

        Instantly is too late!
        And No. OP has just qualified for the "car insurance declined" award for at least the next 5 years.

        1st question on application after name and address….

        Have you have an at-fault accident in the last 5 years?

        • unwashed00 on 04/07/2022 - 11:12
          +1

          Some insurance companies still insure no problems, just at an elevated rate, but not too much. Like it went up by maybe $200-300 a year.

          Fraud and stuff like that prohibits from buying an insurance, not just simply having an accident.

    • ConsumerAffairs on 02/07/2022 - 13:00
      +6

      Considering they had time to post this in the forums, yes.

  • Muzeeb on 01/07/2022 - 21:09
    +15

    been delaying getting my car insurance due to lack of time

    You don't have 10 minutes spare?

    • El cheepo on 01/07/2022 - 21:12
      +7

      And now gets to spend a lot longer stressing about the impending bill coming their way.

      Oof

      Member of the forums for 10 years and makes a school boy error, double ouch.

    • sidesw1pe on 02/07/2022 - 01:08
      +16

      "due to lack of time and abundant tasks at hand"
      These are just lies people tell themselves (I also catch myself saying these types of bs things sometimes). Really it is just procrastination.

      • johndoh89 on 03/07/2022 - 01:40
        +1

        Lack of time management, insurance can be done 24/7, but they likely forgot due to poor time management.

    • htc on 02/07/2022 - 14:05

      May be OP wanted to spend time to research the cheapest ones on offer. That could take more than 10 minutes.

      • lethalmoney on 02/07/2022 - 15:54

        Its called a cover letter.

        • Muzeeb on 02/07/2022 - 21:27

          Do they still exist?

          • Tleyx on 03/07/2022 - 09:16

            @Muzeeb: Not for third party property

    • HeWhoKnows on 02/07/2022 - 20:17
      +8

      Whats the first thing you do when you buy a car, even before you drive it away?

      ANSWER: Get car insurance.

      • MrFrugalSpend on 05/07/2022 - 00:32

        Yes - I know of someone who wrote their brand new car purchase off on the way home (unfamiliar car, unfamiliar road from where they picked it up)…. no insurance 'yet', no cover note, bye bye life savings.

    • dust on 01/07/2022 - 22:14
      +22

      Nah, in wet weather conditions OP should have left a bigger gap between their car and the car in front.

      • WhyAmICommenting on 02/07/2022 - 10:35

        True.

      • suzley on 02/07/2022 - 12:54
        +3

        OP should have left a bigger gap …

        OP should have had insurance. Should have had, should have had, etc.

      • HeWhoKnows on 02/07/2022 - 20:18
        +2

        OP should not be driving without car insurance
        FULL STOP!

    • 82norm on 02/07/2022 - 10:09
      +13

      You can’t be serious. The Op was negligent both driving and not getting insurance.

        • AustriaBargain on 02/07/2022 - 11:28
          +29

          If you're travelling a safe distance then being brake checked won't cause you to crash. If it's wet then the safe distance is increased to make up for it, it's not rocket science.

          • Jackson on 03/07/2022 - 09:19
            +5

            @AustriaBargain: I love how people say this, but 99% of people on the road actually don't leave a safe distance. Just go on the m2/4/5 any day of the week, maniacs everywhere. And as we get richer as a society and insist on buying more expensive cars it only gets worse

            • AustriaBargain on 03/07/2022 - 09:36
              +2

              @Jackson: If 99% of people jumped off cliffs, would you jump too?

              • Miss B on 03/07/2022 - 10:33
                +7

                @AustriaBargain: I'd consider it. It's a pretty unusual occurrence. Why are they jumping off cliffs? If that many people are jumping off cliffs it may well be that it's better than the alternative. I'd probably prefer it to being eaten alive by a zombie or something.

              • Jackson on 03/07/2022 - 18:27

                @AustriaBargain: No, but one of the things I am trying to illustrate is that while there's no shortage of people who agree with you, these people are literally invisible on the road. Is it because you don't notice them or is it because all these people think they are safe drivers but actually they just don't know that they aren't?

                I think you know the answer to that one. It's like when you go to a country with insanely high crime and corruption, but then when you go out on a Sunday morning all the shops are closed and everyone is at church.

                • AustriaBargain on 03/07/2022 - 18:38

                  @Jackson: But "these people" are OP who caused a crash. Even if 100% of people did not drive at a safe distance, if OP chose to travel at a safe distance they would have avoided the crash. And even if the person behind OP wasn't driving at a safe distance and crashed into OP, at least in that scenario it would not have been OPs fault. Though if the person behind also did not have insurance then OP would still have a headache.

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