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Need Some Advice On My Accident

PIG747

By PIG747,
in New South Wales

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Harey Veteran

Harey

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however you do need to provide your insurer with all the correct details...plus when you give them the rego and name and contact details, - they'll ask for who is the other insurer

Yup but what if you the other person isnt cooperating, surely you could just say they wouldnt tell you and you think they dont have insurance.

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Harey Veteran

Harey

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insurance still covers unnamed drivers unless it is specifically excluded - like if its a performance car with a no under 25's stipulation or if you choose to lower your premium by not having young un-named drivers. I'd go for the assumption that he is insured, it will be a lot faster.

Hmmm yeah sort of. I know my policy states me as the only 'frequent driver'. Sure you may ask how would they prove you are a frequent driver or not, insurance companies have lots of tricks and ways to get out of paying. Especially if its pretty obvious the son owns it and its just insured in the fathers name to save on insurance.

oweban Grand Master

oweban

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Hmmm yeah sort of. I know my policy states me as the only 'frequent driver'. Sure you may ask how would they prove you are a frequent driver or not, insurance companies have lots of tricks and ways to get out of paying. Especially if its pretty obvious the son owns it and its just insured in the fathers name to save on insurance.

I've heard of GIO (a long time ago) going around a neighbourhood asking people who lived there if they saw a young guy driving a car often that he was listed as "once a month" on the policy (he was at fault in an accident). Turns out, almost every day, so the company went "gtfo". Fair enough too; you don't pay for it, you don't get it.

evil_weevil Grand Master

evil_weevil

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Yup but what if you the other person isnt cooperating, surely you could just say they wouldnt tell you and you think they dont have insurance.

certainly true mate! if the other party is being a flamin mongrel about giving you details!

otherwise your insurer can do a search and find out evenutually

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