Going through a recent claims process I learned that I need to provide my insurer the at-fault driver's details.
But what if the at-fault driver does not stop? Or what if a witness leaves a note on my windscreen with the offending car's rego number? Or I only have dashcam footage?
My question is - do all insurers require the at-fault driver's details, otherwise do I need to pay the excess? (I have comprehensive insurance)
Basically identifying the (alleged) at-fault driver allows the insurnace company to make a claim against them and recover thier costs.
It also allows them to get the other parties "story" and verify what happened
so if the insurance company is not provided with those details they cant do any of that so you must pay the excess.
Its that simple.
Mate it’s 2023, advances in AI And government surveillance ensures no you no longer need to provide at fault party details if you aren’t provided them… bahahah mate of course you need details. No details means you pay excess regardless.
Going through this now
If you have dash cam footage raise a police complaint
When and if they find the other driver details your insurance company can request the details via the freedom of information website
https://www.police.vic.gov.au/freedom-information#how-to-mak…
at-fault driver does not stop/witness leaves a note/only have dashcam footage
You report the crash to police and give the event number to insurance company.
My question is - do all insurers require the at-fault driver's details, otherwise do I need to pay the excess? (I have comprehensive insurance)
Basically yes. As it stops you having a 'at fault claim' and then claiming the driver drove off.
I'm also going through this now. Only got rego from dashcam footage, raised police report and insurer should theoretically get it from them. If need be, I can fill in some forms and pay some money to eventually get the owner details of the other vehicle (in the case that you don't have an insurer).
Most (all?) insurers need full name of other driver, their address, and rego plate to waive excess.
If you don’t have driver details you’ll need to pay excess to start the claim. If the insurer can find out the at fault persons ID, you should get your excess back but it will likely take a good amount of time (months).
It is in the interest of the insurer to find out who to claim the damages from. If you have a rego they should be able to find the driver relatively easily. If you don’t have any evidence you’re likely out of luck.
You must be new here.
I believe its been the customary 4 days since its been asked…. so it is considered a new topic.
If you have the registration details then you can get the name and address of the registered owners from the police. If you have dash cam footage even better.
Police don't hand out personal details like that to common folk.
Of course they do. I have attended the police station to obtain those details with only their registration and been given the name/s and address of the at fault person for the insurance claim.
Wow, imagine if you were a victim of domestic violence or had a stalker and according to you, the other party can just get their address with their registration plate.
Then the police officer broke the law.
Rego and footage are enough in case of hit and run.
"My question is"
If the insurance company is stupid enough to payout, then everyone's premiums would cost more than the vehicle value
Nothing to indicate you're not the hit and run driver
Yes. Your insurance company -may- refund your excess down the track if they are able to identify and chase the at fault driver, i.e., through police report and/or internal investigations, but don't count on it.
What is this insurance thing you mention?
I had that happen in a carpark. Came back and found $3000 damage and a note from a witness who saw an interstate van with young people crash into my car. I refused to pay the excess and drove with huge dent till insurance company got their details and paid for the repair. There was a great chance the insurance agency wouldnt get replies from the driver at fault in which case i'd be up for the $750 excess. I see why they do it, but heck, so many overseas backpackers driving dangerously here!
have you tried google?