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Insurance question- what happens if I'm not at fault?

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Fitter
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Postby Fitter » Mon May 31, 2010 7:39 pm

My accident, Nov 21 2007. Insurer RACQ (queensland)

My car was hit by a Merc 4WD doing 100 in 60km zone AND on the shoulder of the road.

He was speeding and not driving in a lane.

He also gave me his details and then left before the cops arrived. the police tried to breath test my father thinking he was the merc driver.

My insurance was pulled. I had no cover. no GAP insurance was paid out.
Ive just finished payong out my car that was on finance.

Im still paying off the $70 000 Mercedes
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Postby JaCe » Mon May 31, 2010 8:29 pm

Fitter wrote:My accident, Nov 21 2007. Insurer RACQ (queensland)

My car was hit by a Merc 4WD doing 100 in 60km zone AND on the shoulder of the road.

He was speeding and not driving in a lane.

He also gave me his details and then left before the cops arrived. the police tried to breath test my father thinking he was the merc driver.

My insurance was pulled. I had no cover. no GAP insurance was paid out.
Ive just finished payong out my car that was on finance.

Im still paying off the $70 000 Mercedes


That just sucks. Not sure why you weren't covered by CTP for the other guy's car even if they said you were at fault.
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Postby MitsuLove » Mon May 31, 2010 8:29 pm

Matt... omg that's horrible! :shock:

I can't believe RACQ treated you so harshly, that can't be for no reason surely??

I was with RACWA at the time of my accident, and they were great - but it may have been a different story had i not had a witness. Although i wouldn't have had my insurance cancelled, just had to pay my excess and lose my no claim bonus.

How can they cancel insurance, that's what you have it for regardless of fault?

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Postby Fitter » Mon May 31, 2010 8:54 pm

my entire insurance was pulled, CTP, Full Comp (as car was on finance)

i appealed it to RACQ, and then their appeals board, took it to Insurance Ombudsman

appears that its "at the insurers discretion"
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Postby Mr Charisma » Mon May 31, 2010 9:13 pm

Jace - CTP is only cover for people. It would have covered any injuries caused by the accident.

Comprehensive will cover your car and anything else on the policy ( towing, accommodation, other peoples property etc ) .

Fitter that is strange, obviously there is more to that story, plus it is RACQ / NRMA - enough said. They cancelled one of their customers portfolios for stealing a cup of coffee 4 years ago and if that person had a claim - it would have been denied regardless on who was at fault. :roll:
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Postby Blakey » Mon May 31, 2010 9:44 pm

I cant see why your are paying for the merc? he was at fault even if your insurance was canceled, why are you paying for his merc? he was at fault if your insurance was canceled he would pay for his car you would pay for yours.
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Postby Fitter » Mon May 31, 2010 10:22 pm

because my insurance was totally pulled i had "no insurance"

his car was written off aswell. i coudlve had it fixed for about $5k but they sold it at auction as a repairable write off before i could get my quote to them.

in all the correspondance, Suncorp (his insurer) admitted they "went for me" cos i was a young hoon. when i politely told them that i was 25 worked full time and my car was a 1999 Ford laser sedan, their reply was "oh crap, we are so sorry, we thought u were some young P plater so we took you for all we could"
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Postby aspir3 » Mon May 31, 2010 10:33 pm

Fitter wrote:because my insurance was totally pulled i had "no insurance"

his car was written off aswell. i coudlve had it fixed for about $5k but they sold it at auction as a repairable write off before i could get my quote to them.

in all the correspondance, Suncorp (his insurer) admitted they "went for me" cos i was a young hoon. when i politely told them that i was 25 worked full time and my car was a 1999 Ford laser sedan, their reply was "oh crap, we are so sorry, we thought u were some young P plater so we took you for all we could"


This make no sense. If they were not insuring your car they could not sell it.

They can only sell it after they pay you out, meaning the car is theirs.

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Postby lancervr » Mon May 31, 2010 10:42 pm

aspir3 i think the car being sold is the merc 4wd not fitters car....
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