Chain Collision Car Accident - Workshop Advise

[silvershield]

On 3/16/2023 at 5:57 PM, Beregond said:

Did u manage to claim any inj??
if kenna rear ended, not that hard to claim inj, the only issue is troubsome, and limited amount. but a few thousands also not bad😁

Yes claim injuries against the 3rd car because 5 days mc and doctor able to write the report send to lawyer firm. using own lawyer firm. Yah min also $2.5K but take 3-6mths.  

quite good learning experience  1st time accident after so long 

 

On 3/16/2023 at 6:24 PM, t0y0ta said:

Can explain how this works? When they quote you the high price, you send them the video file and do bargaining?

Best to buy back from the same insurance company and talk to their specialist and provide evidence  

 

 

 

[Ilovecars8901]

@Beregond hi jumping in here. Was involved in a similar accident and was looking for advise, chanced upon this. 
 

I was the 3rd car and involved in 3 car collisions. I have settled with the car I hit (who in turn hit the first car which had passenger). 6 months from accident and first car now sends a lawyer notice to me and second car claiming 5k personal injury. In the report, his passenger (in backseat, second car hit the side she was sitting on) had zero injuries but he had whiplash given MC 3 days. 2 months later he got a doctor report then now sent lawyer notice to claim against me and second car jointly. My insurer says by right the first car should claim from second and nothing to do with me.. (all cars in motion, heavy traffic) but kena slapped with this notice out of the blue. 

abit lost here as it’s my first time getting into an accident. Appreciate any advise given! 

[Beregond]

On 3/22/2024 at 1:15 PM, Ilovecars8901 said:

@Beregond hi jumping in here. Was involved in a similar accident and was looking for advise, chanced upon this. 
 

I was the 3rd car and involved in 3 car collisions. I have settled with the car I hit (who in turn hit the first car which had passenger). 6 months from accident and first car now sends a lawyer notice to me and second car claiming 5k personal injury. In the report, his passenger (in backseat, second car hit the side she was sitting on) had zero injuries but he had whiplash given MC 3 days. 2 months later he got a doctor report then now sent lawyer notice to claim against me and second car jointly. My insurer says by right the first car should claim from second and nothing to do with me.. (all cars in motion, heavy traffic) but kena slapped with this notice out of the blue. 

abit lost here as it’s my first time getting into an accident. Appreciate any advise given! 

To be Frank.  There is nothing much u can do. Other then hopping your insurance put up a good fight.

Because its claim against your insurance,  that is just a notice to u.

Naturally your insurance will put up a fight or nego a settlement.

Worst cases is your insurance pay out. And your premium increase. ( most of the cases they will negotiate a middle ground).

And your premium increase next year. 

Those crazy claim amount. Dun need worry by them. 

It's normal to inflat the initial claim by 300-400% or even more. Then both party will negotiate. Sometime the last settle Amount is around 40-50%. Or even lower.

 

[Hamburger]

@Ilovecars8901 

Hope the advice as advised by bros here are useful.

[Sosaria]

I was in such a situation as OP described last year. The meat in the sandwich

Traffic had slowed to negotiate a left turn at a busy junction of CBD. Car behind me (yes, a VW driven by expat) was distracted and hit my car's rear and pushed me to ding the PHV in front. Luckily not expressway speeds, all can drive away.

I had only a front camera installed but luckily it showed how I had stopped behind the phv momentarily due to traffic condition, split second before got ram from behind.

Easy fight for my insurer because no fuss and didn't pay a cent while still retaining my NCD. Only hassle was being contacted by TP IO later and told to lodge an e-report.

The phv in front probably made a police report as he had a passenger onboard during the collision. End up, the last car's driver was fined for traffic offence (as the TP informed me later) - on top of being slaughtered by his insurance on the next renewal. Credit to that driver though, although an expat, he was by-the-book, reported accordingly and responsibly.

Moral : keep safety distance and focus on the road always.

Edited March 22 by Sosaria

[Ody_2004]

On 3/22/2024 at 3:38 PM, Beregond said:

To be Frank.  There is nothing much u can do. Other then hopping your insurance put up a good fight.

Because its claim against your insurance,  that is just a notice to u.

Naturally your insurance will put up a fight or nego a settlement.

Worst cases is your insurance pay out. And your premium increase. ( most of the cases they will negotiate a middle ground).

And your premium increase next year. 

Those crazy claim amount. Dun need worry by them. 

It's normal to inflat the initial claim by 300-400% or even more. Then both party will negotiate. Sometime the last settle Amount is around 40-50%. Or even lower.

 

I always wonder what happened in an accident where all car involved are the same insurance company.. say Aunty Lucy.. think one of a bigger player here..

Will we as a owner be at losing end?

[inlinesix]

On 3/22/2024 at 8:12 PM, Ody_2004 said:

I always wonder what happened in an accident where all car involved are the same insurance company.. say Aunty Lucy.. think one of a bigger player here..

Will we as an owner be at losing end?

Confirm 

[Beregond]

On 3/22/2024 at 8:12 PM, Ody_2004 said:

I always wonder what happened in an accident where all car involved are the same insurance company.. say Aunty Lucy.. think one of a bigger player here..

Will we as a owner be at losing end?

yes, i tell u a real case.

an accident involve 2 vehicle, both same insurance belonging to the same company ----, ( figure it out)

Its a minor accident, side by side, both party agree by mouth let it pass. but 1 party after go back go report and proceed to claim. By right the party that is being claim against should be notify. 

But because its same insurance, it all go through without the step, and the claim is successful. 

the party that is claim against know nothing of it, until when he want to renew and realise his premium increase, when he check then he know his insurance side pay out without notifying him, 

(roughly like that, i might forgot some details)

[Mkl22]

On 3/22/2024 at 8:39 PM, Beregond said:

yes, i tell u a real case.

an accident involve 2 vehicle, both same insurance belonging to the same company ----, ( figure it out)

Its a minor accident, side by side, both party agree by mouth let it pass. but 1 party after go back go report and proceed to claim. By right the party that is being claim against should be notify. 

But because its same insurance, it all go through without the step, and the claim is successful. 

the party that is claim against know nothing of it, until when he want to renew and realise his premium increase, when he check then he know his insurance side pay out without notifying him, 

(roughly like that, i might forgot some details)

I Kenna from ntuc like this before. But was rear ended. My car slowed down when I hit a deep puddle and the car behind rear ended me. Found out 1 year later that I was penalized. 
Gave the run around as to why. So no more ntuc for me. And guess who was at the helm 20years ago when this happened. That’s why whatever he spouts these days is nonsense to me. 

[Ilovecars8901]

@Hamburger Indeed it is. 

To add to my original post- I wasn't covered by insurance as the car I was driving (partners car) was under a named driver policy, and I wasn't listed at that time. this oversight complicated matters. We added me in as an insurer right away when we found out but of course too late to cover for the accident.

Interestingly, the car I hit has the same insurer, who initially assured us they would assist in negotiating workshop charges to avoid inflated bills. However, after a month of silence, they claimed a substantial amount for damages. Despite offering a private settlement beforehand, the other driver opted for the insurance workshop at the last minute. Now, in addition to privately covering the second car's medical expenses and excess + the damages to second car, I'm facing a claim from first car for pain and suffering. The first car is a tribe car used for TADA- not sure if they can claim from me too. 

I did a paid consultation with a lawyer and he clarified that BOLA is more suited for payouts than civil cases, leaving us vulnerable to potential legal action from the other parties involved. Additionally, I can anticipate traffic penalties for driving without valid insurance and recklessness. He also said property damage claims can come in anytime in this 6 years and medical in 3 years. To think I might have this hanging over my head for 6 years..

 This whole ordeal has been so exhausting. 

the joke is after all this.. the insurer is now hounding us to renew with them. Crazy! 

recently came across a IG post where the girl, similar to my case, also was not covered under insurance as she drove her husband car and was also uninsured as she was under 26 then. End up she paid close to 24k for the whole thing. 

On 3/22/2024 at 3:38 PM, Beregond said:

To be Frank.  There is nothing much u can do. Other then hopping your insurance put up a good fight.

Because its claim against your insurance,  that is just a notice to u.

Naturally your insurance will put up a fight or nego a settlement.

Worst cases is your insurance pay out. And your premium increase. ( most of the cases they will negotiate a middle ground).

And your premium increase next year. 

Those crazy claim amount. Dun need worry by them. 

It's normal to inflat the initial claim by 300-400% or even more. Then both party will negotiate. Sometime the last settle Amount is around 40-50%. Or even lower.

 

 

[scrapecar]

I'm sorry to hear about your accident and the stress it's causing you. It sounds like you're dealing with a lot of complicated issues, especially regarding your car repairs and insurance claims.

In situations like this, it's crucial to seek advice from trusted professionals, such as legal experts and reputable mechanics. While I can't offer specific recommendations on the workshop's trustworthiness, it's essential to do thorough research and perhaps seek opinions from others who have used their services.

Considering the extent of the damage to your car and the potential repair costs, it's understandable to weigh the option of scrapping the car and claiming its market value. This decision ultimately depends on various factors, including the extent of the damage, the car's current value, and your personal preferences.

If you're considering scrapping your car, car wreckers in Auckland could be a viable option to explore. They can assess your car's condition and offer you a fair price for it, allowing you to move forward with purchasing another vehicle.

I hope everything works out smoothly for you, and you're able to resolve the situation satisfactorily. Take care.

[metalstream]

On 3/22/2024 at 3:38 PM, Beregond said:

 

It's normal to inflate the initial claim by 300-400% or even more. Then both party will negotiate. Sometime the last settle Amount is around 40-50%. Or even lower.

 

Why are the relevant authorities turning a blind eye towards this practice? End of the day, consumers pay for it through inflated premiums. 

[Vratenza]

On 4/1/2024 at 3:19 PM, Ilovecars8901 said:

@Hamburger Indeed it is. 

To add to my original post- I wasn't covered by insurance as the car I was driving (partners car) was under a named driver policy, and I wasn't listed at that time. this oversight complicated matters. We added me in as an insurer right away when we found out but of course too late to cover for the accident.

Interestingly, the car I hit has the same insurer, who initially assured us they would assist in negotiating workshop charges to avoid inflated bills. However, after a month of silence, they claimed a substantial amount for damages. Despite offering a private settlement beforehand, the other driver opted for the insurance workshop at the last minute. Now, in addition to privately covering the second car's medical expenses and excess + the damages to second car, I'm facing a claim from first car for pain and suffering. The first car is a tribe car used for TADA- not sure if they can claim from me too. 

I did a paid consultation with a lawyer and he clarified that BOLA is more suited for payouts than civil cases, leaving us vulnerable to potential legal action from the other parties involved. Additionally, I can anticipate traffic penalties for driving without valid insurance and recklessness. He also said property damage claims can come in anytime in this 6 years and medical in 3 years. To think I might have this hanging over my head for 6 years..

 This whole ordeal has been so exhausting. 

the joke is after all this.. the insurer is now hounding us to renew with them. Crazy! 

recently came across a IG post where the girl, similar to my case, also was not covered under insurance as she drove her husband car and was also uninsured as she was under 26 then. End up she paid close to 24k for the whole thing. 

 

So the lesson to learn here is to make sure you are properly insured before taking to the wheels.

I'll be pissed off if an un-insured driver hit me from behind at no fault of mine and my car damage/personal injury compensation/restitution drags on for years as my insurance fights the case in court. That can also happen to those driving under influence of alchol/drugs when the insurance voids the coverage.

 

[t0y0ta]

On 4/1/2024 at 3:19 PM, Ilovecars8901 said:

@Hamburger Indeed it is. 

To add to my original post- I wasn't covered by insurance as the car I was driving (partners car) was under a named driver policy, and I wasn't listed at that time. this oversight complicated matters. We added me in as an insurer right away when we found out but of course too late to cover for the accident.

Interestingly, the car I hit has the same insurer, who initially assured us they would assist in negotiating workshop charges to avoid inflated bills. However, after a month of silence, they claimed a substantial amount for damages. Despite offering a private settlement beforehand, the other driver opted for the insurance workshop at the last minute. Now, in addition to privately covering the second car's medical expenses and excess + the damages to second car, I'm facing a claim from first car for pain and suffering. The first car is a tribe car used for TADA- not sure if they can claim from me too. 

I did a paid consultation with a lawyer and he clarified that BOLA is more suited for payouts than civil cases, leaving us vulnerable to potential legal action from the other parties involved. Additionally, I can anticipate traffic penalties for driving without valid insurance and recklessness. He also said property damage claims can come in anytime in this 6 years and medical in 3 years. To think I might have this hanging over my head for 6 years..

 This whole ordeal has been so exhausting. 

the joke is after all this.. the insurer is now hounding us to renew with them. Crazy! 

recently came across a IG post where the girl, similar to my case, also was not covered under insurance as she drove her husband car and was also uninsured as she was under 26 then. End up she paid close to 24k for the whole thing. 

 

I sympathize with you.

But your case is a blatant violation of your insurance T&C since your family member who signed the insurance chose to save $$ by restricting driver.

In this case, I think you should hound and scold your family member rather than the insurance company for his/her oversight.

[Ilovecars8901]

@Vratenza @t0y0ta yes, fault on our end for assuming comprehensive means unnamed drivers will be covered as well and we learnt it the hard way. But no, my family member didnt “save” any money- in fact we later learnt that to take up a fully comprehensive (with unnamed drivers covered) and the one we were on.. difference would have been less than $30. When my partner did the tele renewal, they made it clear I’m driving and sales person said yes all covered, don’t need to specifically add me.After accident, org said sorry wording overrides what my salesman said, if you want let’s fight it out in court. We did consider and as frustrating as it is, we decided not to pursue; not worth the cost and effort. 
 

Agreed, if I were the middle car I would be pissed but in our case middle car was v quickly settled by insurer- it’s us who basically are bearing the brunt and the inflated bills. No choice but to pay and pay lol. 
 

anw moral of the story, it’s not always the cost.. read your policy wording & don’t take it for granted! You might not think of it much but when it comes to bad times, no one other there owes you a favour. They will just milk the situation as it suits them. 

[Gizmore]

The type of drivers exception are clearly mentioned in the CI. 

Have a habit to look through it after each renewal. 

[D3badge]

On 3/22/2024 at 8:39 PM, Beregond said:

yes, i tell u a real case.

an accident involve 2 vehicle, both same insurance belonging to the same company ----, ( figure it out)

Its a minor accident, side by side, both party agree by mouth let it pass. but 1 party after go back go report and proceed to claim. By right the party that is being claim against should be notify. 

But because its same insurance, it all go through without the step, and the claim is successful. 

the party that is claim against know nothing of it, until when he want to renew and realise his premium increase, when he check then he know his insurance side pay out without notifying him, 

(roughly like that, i might forgot some details)

How is this possible? There is this thing call excess! You need to pay excess before any claim can be made.

[Beehive3783]

On 4/5/2024 at 8:36 AM, D3badge said:

How is this possible? There is this thing call excess! You need to pay excess before any claim can be made.

There is no need to pay excess if you are not claiming against your own policy to carry out repairs.