Help needed after crash on Princess HWY"

[Hybrid34]

Oh ok $400 excess? Hmm so should i tell the rta abotu it? or insurance? or shouldi wait to recive the bill? (as i mighjt not get it;))? cause i dun wanan wait for ages as i can cancel my rego n hopefully get some money back off it before it expires in may..?!?!?!

[Hybrid34]

Um Guys i just checke RACV who im with, looking at their site, theres two third party, one fire and theft and the other Property Damadge, I have fire and theft, does this mean im not covered for when i take out a light? Im really starting to stress, can anybody shed some light for me???????

[Hybrid34]

ahhh guys im gettin no response, and i need it within tonight or the next day as im picking up my car, thus have to cancel insurance on old car and put it on the new car, if i do that and i get a bill from the RTA i have to pay it all, but the thing is i want to hold telling the insurance company as i might not get the bill as its been 3 or 4days now, im in real dielema....someone please help.
i've posted it somewhere else so i can get a quick response, thanks
- Ash

[dansedgli]

Ring the insurance company and ask them what will happen.

You wont want to pay the bill when it arrives in a few months time if it does arrive.

Did the police or anyone take your details?

[Hybrid34]

But if i tellthe insruance company, i'll loose my 'No claims bonus' and i'll get a makr netx to my name:S, do you get where im coming from? I dunno what to do..ahhhh

(oh by the way dansedgli) F**in fibreglass from my bumper got in my hands..same with you?

[dansedgli]

If you get stuck with paying for the damage which is likely you would have wished you could have lost your no claim bonus instead.

Call the insurance company, tell the exactly what happened and let them tell you what you should do.

Did the police take your details? Who paid to tow your car home?

[Hybrid34]

Yeah Police got my details, and we paid cash $400 to take it from St. Kilda to Wheelers Hill :S, the tow guy said RACV doesn't matter?!?!?!

[Hybrid34]

Oh by the way, what is a green slip insruance? is that 3rd party? has anyone gone with Youngandcool.com insruance?

[FRDXR6]

Originally Posted by Hybrid34

But if i tellthe insruance company, i'll loose my 'No claims bonus' and i'll get a makr netx to my name:S, do you get where im coming from? I dunno what to do..ahhhh

(oh by the way dansedgli) F**in fibreglass from my bumper got in my hands..same with you?

1. Your 18 and haven't even had 1 full year of driving yet you will have no NCB rating anyway.

2. Generally 3rd party insurance doesnt accure NCB ratings (full comp insurance will however).

3. You can't accure any 'no claims bonus' as the insurance policy is under your mum's name NOT yours.

Read your insurance policy and see if you can figure out when/how you can claim, if you cancel the policy and then later make a claim my money would be on them not paying.

I dont know how or when the traffic authorities will act to recover costs for the post however im sure the amount on the bill will be greater than buying 3 or 4 more ED's...if it does come you would want to make sure your insurance policy will cover it.

I would get your new car take out a new insurance policy, sit tight and if no bill arrives in a couple of months cancel the remainder of your old insurance policy.

[Hybrid34]

The main problem I have is that I need to insure my new car which im getting tomorrow with RACV, which are my insurance company is now. Thus if i tell them i've hit a traffic pole i need to be covered for that, yet in the next breath i say, oh and i want to insure my new car i just got, they might not insure me anymore, thats my main problem:S....any ideas?

[FRDXR6]

Originally Posted by Hybrid34

Yeah Police got my details, and we paid cash $400 to take it from St. Kilda to Wheelers Hill :S, the tow guy said RACV doesn't matter?!?!?!

If your a member of RACV roadside assist its free.

[LUXO_8]

Originally Posted by FRDXR6

If your a member of RACV roadside assist its free.

except for if its an accident tow.....
pretty sure it must then go through accident allocation

[FRDXR6]

Originally Posted by Hybrid34

The main problem I have is that I need to insure my new car which im getting tomorrow with RACV, which are my insurance company is now. Thus if i tell them i've hit a traffic pole i need to be covered for that, yet in the next breath i say, oh and i want to insure my new car i just got, they might not insure me anymore, thats my main problem:S....any ideas?

Try a different insurer, however one of their questions will be driving history. If you say no accidents then 2 weeks later have to make a claim for the pole with RACV, it will void your new insurance policy as you failed to truthfully disclose that info to them...

EDIT: never knew that clause was in there MADNC_8 maybe they include that in their accident cover?

[Hybrid34]

really? cause i idn't even have a change to call them the cops called the tow truck n got charged $400, and apparnlt RACV is only roadside assistance not crashes:S:S?? not to sure, anyone know?

[Laminge]

You have raised the insurance question again in another thread, but do us a favor, leave the sms style posts on the nature strip with the pole...

[Hybrid34]

Sorry Laminge for the two posts, but i hope you understand where Im coming from that tomorrow i have to make a choice and as its all happened so fast Im stuck in the dark and don't know what to do, and As its tomorrow i need as much advise i can get, its not like "Idle problems" or "how do i do this", its somthing that i need help with before tomorrow, i hope you get where im coming from, but yes i know its a waste of a thread if its repeated twice....