Yet Another Insurance/Accident Question

[brodfloyd]

Originally Posted by davway

what you need to do, and what you should have done in the very first place was get in contact with your insurer.
if you had have, you wouldnt find yourself in the position you are now.
you pay them for a reason, to cover your ar$e when you need it most.
i suggest you get on the phone to them and start sorting it out immediately.
dont worry about ratings and excesses and all that, just get it sorted and worry about the other stuff later.

yeah hindsights a beautiful thing mate, but when you put a dint in someones bonnet of their s hitbox fully sick lancer, you expect that maria's dad/bro/cuz will ring you the next day to organise to take it to cousin habibs panel shop for a 200-800 dollar fix, you dont expect this to happen. I didnt think that i could do 3 grands damage to a 1995 lancer and not even scratch the falcon.

My insurance will handle it no problems, but i thought i was within my rights to ask how much it was approx going to cost before i made a claim. it seemed silly to make a claim and pay excess for what could be a $200 repair.

i only found the cost of repairs to the other vehicle on monday after me ringing them 3 times, the accident happened on the 17/8, so its nearly 2 months after the fact. If i hadnt, i would still be waiting and i'd get a bill from a debt collecter some time in the future, to which i'd be "hang on, i havent even got a quote yet"

I only jacked up because the cost much more than what i expected, and that the cost of repairs is more than the cars value. I was treated like I'd deliberately smashed up her car and told her to get stuffed. i was curious because i thought that i would have more rights than i do, after all its called a car accident. ACCIDENT

Hopefully anyone on the forum who has a similar experience will do just as you say, inform their insurance immediately. I hope this serves as a warning, because even though I have done everything I could (logging calls, requesting advice off many sources, phoning ombudsman, chasing the insurane company) I got treated like a criminal.