Hello guys,
Haven't posted for a loong time, and google was not my friend with this question. I know there's some Law talking gurus here, I would really appreciate some help on this one. Here's the background first.
I have a cheap <$3000 car which was purchased for the sole purpose of tow rig. Said vehicle was parked legally in a council provided space with trailer attached at a public Sydney boat ramp, for most of yesterday. Upon returning from seafaring adventures it became clearly evident that said unattended parked vehicle had suffered some major damage
Turns out a full size Volvo bus was responsible for the damage, driver of this bus approached me & admitted liability (how could one NOT when it's parked), and was really very civil about the whole thing, to the point of staying at the scene well after the incident to await my arrival & subsequently explain the situation. I think he was surprised at how well I took it. A little courtesy & forethought goes a long way.
All details were exchanged etc, my vehicle tho crunched was perfectly driveable so I cleaned up the glass & plastic and went home.
I am only covered for third party property damage, could not justify full comp on a sub $3k vehicle that travels <1000km per year.
Is the bus companies' insurance co. obliged to pay up under such irrefutable circumstances or am I screwed????
I just spent $1200 on the car, goddamnit!
I'd be truly grateful for any educated responses, PM if it's more appropriate.
Thankyou
Datto