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BMW 3-Series (E90 E92) Forum > BMW E90/E92/E93 3-series General Forums > Regional Forums > Australia > Not The Best Night!!



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      08-08-2012, 04:35 AM   #23
ReyT
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Damn i hope they do good job at repairing
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      08-08-2012, 05:01 AM   #24
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Doesn't look that bad, it's only smash repair to a car. Get it fixed and forget it.
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      08-08-2012, 07:33 AM   #25
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Quote:
Originally Posted by MO3 View Post
The driver at fault is uninsured!! I'm with NRMA.
Sorry to bring this up... but if the other driver is uninsured, do you still have to pay an excess to get your car repaired?
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      08-08-2012, 08:11 AM   #26
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Mate sorry to see your car like this but as long as you are ok the car can be fixed/repaired. Looks like the other driver was having a nap!!!
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      08-08-2012, 09:03 AM   #27
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Sorry to hear this!
But at least no one is injured!
Same qs as well...what to do if the other driver is uninsured?
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      08-08-2012, 07:32 PM   #28
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Quote:
Originally Posted by Spikey View Post
Sorry to bring this up... but if the other driver is uninsured, do you still have to pay an excess to get your car repaired?
Yes, to get the ball rolling you'll need to make a claim with your insurance company which means paying the excess.

Then your insurer will chase up the other driver and work out a payment plan or something for them and your excess will be refunded and this won't affect your no claims bonus.
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      08-08-2012, 07:55 PM   #29
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So many uninsured drivers.. :/
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      08-08-2012, 08:26 PM   #30
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Quote:
Originally Posted by lz419 View Post
Same qs as well...what to do if the other driver is uninsured?
It depends on the type of insurance you have

You will be screwed if you have 3rd party insurance (property & theft) as your insurance company will not help you to make a claim against the other party. You will have to go after the at-fault driver personally or commence debt recovery action against him/her - a very long process!

Conversely if you have comprehensive insurance, you shouldn't be liable for excess as long as you could prove that you were not at fault or the other party admitted he/she was at fault.
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      08-08-2012, 11:32 PM   #31
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Originally Posted by Ninja333 View Post
Conversely if you have comprehensive insurance, you shouldn't be liable for excess as long as you could prove that you were not at fault or the other party admitted he/she was at fault.
+1
Get a copy of the Police report and attach it to the insurance claim (the Ambulance was there, I assume the Police also attended the scene).
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      08-09-2012, 12:58 AM   #32
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Aw man sorry to hear. Glad you're ok at least! NSCC are one of the best in the game.. you won't be disappointed with their work.

+1 on getting M Sport front bar
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      08-10-2012, 08:07 PM   #33
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Thanks for your support guys! Also thanks for the guys who called/messaged! It certainly made me feel better.
I'm not liable for excess as I provided my insurer with the driver-at-fault's details. Only thing is I won't be able to get a hire car as I didn't choose that option when I took out the policy. If the driver at fault was insured, I would have got a hire car regardless. They gave me the option of paying for the hire car myself and they will reimburse me once the other driver pays them!
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      08-10-2012, 11:03 PM   #34
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Moe how long to get fixed? Going to Wakefield soon
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      08-11-2012, 01:34 AM   #35
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Originally Posted by pavo335 View Post
Orey who says the car mum bought wasn't in a rear ender? Like mum
Never tire of 'yo momma' comments.
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      08-11-2012, 01:38 AM   #36
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Looks like someone's mummy has gone out and left the puter logged on again?
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      08-11-2012, 01:46 AM   #37
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Guilty!
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