Street Parked Car Hit from behind - Need Advice

LBYONG on 31/12/2022 - 16:25

Hey guys, my car was street park outside our house this morning and another parked car behind it was hit by a Ford Ranger which pushed the other car and hit mine, the back of my car was smashed and flattened. Think I can still drive it as I was able to move it away from the car behind.

I have all the driver at fault information (he is with Budget Direct).
I got a 3rd party property insurance and NRMA gave me 2 options, one is to chase after the driver's insurance or claim in NRMA, and they can provide me up to 5000 dollars of loss and damages compensation.

Need some advice:

  1. Dont want to risk driving my car as I have a baby, can I get car rental and make the driver's insurance or my insurance reimburse the payment? Dont think NRMA offers it for 3rd party insurance.

  2. There's a car seat and a pram at the back of the car, can I buy a new one and claim for those to his insurer?

  3. I know insurance company would try to minimize their cost so Im thinking of getting help from tpclaims.com.au , anybody tried them before?

TIA

Automotive

Comments

  • 87percent on 31/12/2022 - 16:30
    +3

    Regarding #2, I know with AAMI, you get the car seats replaced. I’ve done this 2 times, both not at fault accident BUT I had comprehensive

    https://www.notmyfault.com.au/when-to-replace-a-car-seat-aft…

    • BYONG on 31/12/2022 - 16:36
      +2

      Thanks! 2 times not at fault accident, glad that you and the baby were fine!

  • Boioioioi on 31/12/2022 - 16:47
    +2

    I would be wary to drive your car in that state. Anything designed to absorb an impact has already done so, if you get hit again you could get really badly injured. Wait till it is repaired.

    Regarding your questions I am not sure to be hoenst, tough situation :/

    Are there any no win no fee compensation lawyers near you?

    • BYONG on 31/12/2022 - 16:50

      Thanks! Not really sure as I only searched online and saw this website sayng I might be eligible for compensation for car hire if Im not at fault. But Im still waiting for someone with experience with them.

      https://tpclaims.com.au/

  • Muzeeb on 31/12/2022 - 16:54
    +1

    Pictures? We need pictures.

    • avoidfullprice on 31/12/2022 - 18:24

      I just saw it on the news. Pretty epic

  • Aust on 31/12/2022 - 18:25
    -1

    Hope other driver is ok, Claiming hire vehicle likely, look at right to drive. (https://www.right2drive.com.au/our-branches)
    Pram maybe if damaged in the boot, car seat likely no as not in use at time so wont have suffered any damage.

    • djsweet on 31/12/2022 - 19:17
      +1

      I think you’re supposed to scrap car seats if they are in an accident. So I am sure they will be covered by insurance.

      • altomic on 31/12/2022 - 19:40
        +1

        yep, scrap car seats if they are in an accident.

      • original15 on 31/12/2022 - 19:42

        Hard to assess without seeing image of the damage imo. if a crushed bumper I’d have no concerns using pram

        • Muzeeb on 31/12/2022 - 19:49

          There was a bit of embellishment in the story I think…

          my car was smashed and flattened

          That's a big hit especially from a secondary stationary vehicle.

          I've already asked for pics but I'm guessing we won't see them.

          Description suggests this

          But the reality is probably this

          • original15 on 31/12/2022 - 19:56
            +2

            @Muzeeb: Vintage Rolex collection in the boot destroyed beyond recognition too you reckon?

  • Euphemistic on 31/12/2022 - 19:56
    +2

    You have two options. Doing the legwork and claiming yourself or claiming the $5k from your insurer.

    You have now found out why comprehensive is a better choice if you can afford it.

  • BYONG on 31/12/2022 - 20:22
    -3

    Thanks and sorry for the late response, here's a sample image of what the bump looks like, mine is hatchback but hope you get the idea.

    https://images.app.goo.gl/8neens9cU9eCQ93y7

    • dcep on 01/01/2023 - 03:48
      +2

      Looks like a write-off ?

      Check how much is your car worth.

      • BYONG on 01/01/2023 - 08:43

        yep, looks like it, also having trouble opening the 2 rear doors. its a 2005 toyota corolla so value might be less than 3k.

        • Euphemistic on 01/01/2023 - 10:11
          +4

          If it is that low value, go with whatever NRMA can do for you

    • AndyC1 on 01/01/2023 - 11:02

      No idea as the images are not for your car.

      • BYONG on 01/01/2023 - 11:22
        -4

        thats why I said 'hope' cause I knew some people don't have common sense, oooooppss

    • lordra on 04/01/2023 - 00:51

      Why don't you just post a picture?

      • kerfuffle on 04/01/2023 - 07:05

        Probably doesn’t know how to blur out number plates.

        • smartazz104 on 04/01/2023 - 10:40

          What do people think will happen if their publically-viewable number plate is viewed by the public?

          • kerfuffle on 04/01/2023 - 11:39

            @smartazz104: People can copy them and use them. That's why car ads usually have blurred out number plates.

  • BYONG on 31/12/2022 - 20:23

    Anybody had experience with tpclaims.com.au before?

  • doctordv8 on 01/01/2023 - 08:36
    +1

    Being able to drive…'move it' and being Roadworthy and safe are two very different things.
    A cracked Tail light lens is Unroadworthy. Sharp edges are Unroadworthy. Impact 'flattened… definitely Unroadworthy.

    As for the Insurance and Legal questions, ask the appropriate Insurance Companies directly.
    Only they know their Terms and Conditions for each Individual situation.

    • BYONG on 01/01/2023 - 09:02

      Agree, defo not roadworthy

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