I didn’t have a great weekend, it was ok, could have been bad. My car was damaged on weekend in a parking lot. I have been to this shopping centre many times, actually almost every weekend. As I finish my shopping, sat in my car preparing to drive back home. The next thing I hear is a horn and bang. I got down with a bad feeling, I thought the whole back section of my car has disappeared, it was strong nudge preceded by a screeching sound.
It was a white Toyota Camry that hit the back of my car in an angle, puncturing through the bumper. At first, I was surprised at the amount of damage my car has taken and that there were mere scratches to another one, I am not sure if it has to do with the car model, mine being Mazda or it was dependent on the angle and speed. Whatever might be the reason, my car was worst-off than his (at least I feel it that way), you can see the pictures below.
I have been driving around in Australia for the past 15 years, never had an accident, it was something that I was always proud about and most bragged on (sometimes felt lucky as well). I guess this accident has taken that badge away. Most of the accidents can be avoided if we are present with our driving, some accidents like this can’t be avoided, they are meant to happen.
Whose fault was this car accident?
If involving in a car accident is not headache enough, having an accident with an idiot is adding salt to a wound. I was in that particular accident. There was a lady who was trying to take her car out of the parking lot and this person tried to swirl around the car to avoid collision and in turn, ended up hitting my car. What would have been wise is first to stop the car and second going at a speed that is stoppable in the parking lot.
I call him an idiot as he would totally disagree with the fact that he was driving too fast in a parking lot and instead blames the lady for the cause of the accident. He was quite amateurish in dealing with situations like this, what he doesn’t understand is she is not in the picture with the insurance company, as he didn’t touch her car, in situations where there is series of car accidents, cars bumped into one another on a freeway you can only claim insurance from the car owner whose car has touched you.
I am not sure where in the logical mind that it makes sense to swirl around a car instead of applying breaks. Unless he agrees it’s his fault and stops blaming the lady, there is no one at fault and no one can get their cars fixed.
As soon as the accident happened, I have started taking pictures before the cars are moved out of position. It is important that we capture all the details as soon as the accident takes place, any lapse in doing so might cause the facts to be compromised.
Unfortunately with the blame game going on, there was no way I could make anyone accept the fault, I was left with no option but to take it with my insurance company.
What I really dislike in this situation is we are left with ourselves in resolving, there won’t be any help from authorities unless someone is injured or property damaged intentionally. The lady whom this guy avoided came on board supporting me and that he should slow down, but he was obstinate with his thought. The best anyone can do in situations like this is to collect as much evidence and witnesses as we can to prove who is at fault.
In case of accidents like this, where falter acts irrationally, we are left with no other option but to take it with our insurance company.
No one can claim or raise a dispute with other persons insurance company. As this guy was at fault I have called his insurance company thinking of lodging a dispute and to save ratings with my company but unfortunately, we can’t do this, only insured person can raise a claim or dispute.
If you are driving around with no insurance then the only option you are left is to take it up legally, depending on the damage you can decide if it’s worth the legal bill.
I have eventually made a claim with my insurance company, they have wiped off my excess as it was not my fault, apparently, this is called recoverable claim (something new). I am not sure if my insurance company will chase the other guy or his insurance provider for the money, but I really wish they do so as he will be more cautious in his driving next time around.
The guy on the phone said as it was not my fault there will be no impact on the premium, but I find it hard to believe.
No Claim bonus
I am with Youi insurance, as I have been driving for so long with zero claim history, my insurance premium is affordable for comprehensive cover.
When we make a claim with our insurance provider irrespective of our fault or not there will always be an impact on the premium. We lose our ground on negotiating premium for no claim discount.
I guess I have to wait and see, how this will impact my premium. as coincidentally I got my invoice for policy renewal (3 days after the accident) which is a bit lower than last year.
I am not sure if this claim has been considered while invoicing me. If not, wow, I just have to wait one more year to see any price hike.
Getting it repaired
Youi was quick in organizing an appointment with a mechanic on the same day. Even though he has diagnosed to replace the whole bumper and the bar that’s running behind, I am always sceptic about the quality of work or product we can get from these panel beaters, it can never be as good as the one we get for a brand new car.
There are a few lessons that we can learn with this accident,
- Never trust the person who you are involved with the accident, he may be a saint, but you will not know it until you get your car repaired.
- Always collect the evidence diligently, photos, witnesses and record video conversations.
- In case of you not being at fault and another party not agreeing with you, leave the dispute to your insurance company, that’s why you pay them.
- In case you don’t have insurance, see the options to claim legally.