Advice please!

XR_6falcon · 20-05-2011, 06:18 PM

Ive got a bit of a dilemma regarding a car accident in my car and was wondering what you would do?

Here's the story....

About 3 or 4 weeks ago, a couple friends, my brother and I were heading home after spending some time in Adelaide. On the way home (friend driving at the time), we were involved in an accident. There was a dead roo on the road and my friend claimed he had not seen it till last few seconds where he had tryed to avoid it (which he did) but sent us out of control into a wire barrier. Now heres my problem, do I ask my friend to pay for the insurance excess? The car has been written off and I dont have a car to get around in. No one was injuired thank god for that!

I am unsure to as if I ask him?

What do u guys think!

Any thoughts, advice appericated!

84xespac · 20-05-2011, 07:02 PM

If he was a true friend he would be offering as far as I am concerned. He was driving at the time so it is his f up so therefore his responsibility.
My 2 cents worth.

Ben73 · 20-05-2011, 07:29 PM

Quote:

Originally Posted by 84xespac

If he was a true friend he would be offering as far as I am concerned. He was driving at the time so it is his f up so therefore his responsibility.
My 2 cents worth.

I agree with this.

If I damaged someones car due to my own fault, I would be offering to pay for the excess straight away.

buggo · 20-05-2011, 07:30 PM

Yeah what xespac said. If he'd your real mate he'd be feeling guilty as hell and offering to payfor it etc etc. If he's not, then he's prob just a 'mate' as in a bloke you know but aren't that close.
If thats the case then ask him for the money, he doesn't care about you so don't worry about tip toeing around his feelings.

The fact that he saw it at the last second is irrelevent, he crashed-he pays.

Jim Goose · 20-05-2011, 08:19 PM

As driver he should be paying up the excess.... friends or no friend.
His responsibility

XR_6falcon · 20-05-2011, 08:48 PM

If he doesnt say anything, im going to bring it up and see what he says..

at minimun i would want half, i would be happy with that i guess

kenz · 20-05-2011, 08:51 PM

If it were me I would be offering to pay for it

buggo · 20-05-2011, 08:51 PM

Quote:

Originally Posted by XR_6falcon

If he doesnt say anything, im going to bring it up and see what he says..

at minimun i would want half, i would be happy with that i guess

Why half? It's not your fault at all. Don't let this bloke walk all over ya

**GasoLane** · 20-05-2011, 09:09 PM

Um, your mate lost control trying to avoid a DEAD Roo?

Assuming that you knew what his driving capabilities were you still let him drive. You knew the risks, it's your problem.

Seeing as you're asking for advice I'm guessing that you have a high excess?

XR_6falcon · 20-05-2011, 09:12 PM

Quote:

Originally Posted by GasOLane

Um, your mate lost control trying to avoid a DEAD Roo?

Assuming that you knew what his driving capabilities were you still let him drive. You knew the risks, it's your problem.

Seeing as you're asking for advice I'm guessing that you have a high excess?

It seemed that he was a capable driver, and yes my excess was $1000

XRATE-UTERUS · 20-05-2011, 09:04 PM

**** oath he pays the excessm he crashed it. end of story.

XRATE-UTERUS · 20-05-2011, 09:04 PM

oh and the extra when your premium goes up next year.

XR_6falcon · 20-05-2011, 09:07 PM

Quote:

Originally Posted by XRATE-UTERUS

oh and the extra when your premium goes up next year.

I was already paying $2050 per year for a standard BA falcon, i hate to see whats next

XRATE-UTERUS · 20-05-2011, 09:31 PM

got pics of damage?

XR_6falcon · 20-05-2011, 09:40 PM

Not at the moment no

Grechie · 20-05-2011, 09:44 PM

how close are you to your friend? do you think asking him to payup might result in no friend and no money?

XR_6falcon · 20-05-2011, 09:51 PM

Quote:

Originally Posted by Grechie

how close are you to your friend? do you think asking him to payup might result in no friend and no money?

We are good friends and i find it awkward asking for money

XRATE-UTERUS · 20-05-2011, 09:44 PM

got a nice au xr6 uterus when your ready for another car .

XR_6falcon · 20-05-2011, 09:52 PM

Quote:

Originally Posted by XRATE-UTERUS

got a nice au xr6 uterus when your ready for another car .

Im after a sedan sorry

The Yeti · 21-05-2011, 08:32 AM

he should cop the excess, at worst iff not all passangers should cop their split of it

Streets · 21-05-2011, 12:50 PM

Quote:

Originally Posted by The Yeti

he should cop the excess, at worst iff not all passangers should cop their split of it

How is it the fault of the passengers???

MAGPIE · 21-05-2011, 02:14 PM

Quote:

Originally Posted by Streets

How is it the fault of the passengers???

He never said it was

It's like when a bunch of people go on trip together and everyone contributes to the cost of the fuel.

IMO the driver contributes the vehicle, the passengers pay for the fuel and this I think should happen for the excess.

Although if it was me, I'd suck it up and pay the excess and chuck him a tray of grog as an apology

The Yeti · 21-05-2011, 04:20 PM

Quote:

Originally Posted by Streets

How is it the fault of the passengers???

It's not but they all used the car as transport

XR_6falcon · 21-05-2011, 08:54 PM

Quote:

Originally Posted by The Yeti

It's not but they all used the car as transport

A friend in adelaide also suggested that everyone chips in on the excess

atec77 · 21-05-2011, 01:03 PM

Quote:

Originally Posted by XR_6falcon

Ive got a bit of a dilemma regarding a car accident in my car and was wondering what you would do?

Here's the story....

About 3 or 4 weeks ago, a couple friends, my brother and I were heading home after spending some time in Adelaide. On the way home (friend driving at the time), we were involved in an accident. There was a dead roo on the road and my friend claimed he had not seen it till last few seconds where he had tryed to avoid it (which he did) but sent us out of control into a wire barrier. Now heres my problem, do I ask my friend to pay for the insurance excess? The car has been written off and I dont have a car to get around in. No one was injuired thank god for that!

I am unsure to as if I ask him?

What do u guys think!

Any thoughts, advice appericated!

If he was on the insurance and driving then he pays , anything else smacks of girls blouse

**GasoLane** · 21-05-2011, 01:41 PM

I'm assuming that all the people saying that the driver should pay the excess would be quite happy to do the same.

How about if it was only driving your mates car around the block and you get hit by an uninsured driver. Would you be prepared to front up the $1000+ excess.

If the owner of the car wants to reduce his premiums by having a higher excess then I'm sorry, but it's the owners problem. Why should a friend be penalised because the owner wants to save money.

Unless the friend happens to say "your excess is only 1k! no problem, I can handle that if I bump into anything"

XR_6falcon · 21-05-2011, 02:17 PM

Quote:

Originally Posted by GasOLane

I'm assuming that all the people saying that the driver should pay the excess would be quite happy to do the same.

How about if it was only driving your mates car around the block and you get hit by an uninsured driver. Would you be prepared to front up the $1000+ excess.

If the owner of the car wants to reduce his premiums by having a higher excess then I'm sorry, but it's the owners problem. Why should a friend be penalised because the owner wants to save money.

Unless the friend happens to say "your excess is only 1k! no problem, I can handle that if I bump into anything"

I wasnt trying to reduce the premium by higher excess, thats just how much it was. Somthing to do with being under 25. I also explained how much my insurance premiums/ excess is.

**GasoLane** · 21-05-2011, 02:56 PM

Quote:

Originally Posted by XR_6falcon

I wasnt trying to reduce the premium by higher excess, thats just how much it was. Somthing to do with being under 25. I also explained how much my insurance premiums/ excess is.

Whoops sorry. I forgot about the under 25's not having a choice and getting slugged more.

Ford_The_Win · 21-05-2011, 03:01 PM

I would definitely be asking for the excess, it was his fault, you shouldn't have to fork out just because it's your car. Don't let him treat you like a door mat, mate or not he stuffed up and now owes you a considerable sum of money. If he refuses to pay then his true colours will be revealed and it's tribunal time.

xisled · 21-05-2011, 03:17 PM

Quote:

Originally Posted by GasOLane

I'm assuming that all the people saying that the driver should pay the excess would be quite happy to do the same.

How about if it was only driving your mates car around the block and you get hit by an uninsured driver. Would you be prepared to front up the $1000+ excess.

If the owner of the car wants to reduce his premiums by having a higher excess then I'm sorry, but it's the owners problem. Why should a friend be penalised because the owner wants to save money.

Unless the friend happens to say "your excess is only 1k! no problem, I can handle that if I bump into anything"

If an uninsured person hits the car and you are not at fault and the car has full full comprehensive insurance, and even some third party property damaged policy's. You do not pay excess.