Quote: Originally Posted by VLHERO Sucked in for not having insurance is all I can say. weren't you banned? You should be..... Sorry to hear about your loss mate. Without an insurance policy in his name, your done for. Take him to court, it will cost you money, and you will get a few bucks a week for the rest of your life. Try and salvage some of the car, and save up for another dude. It sucks, but at least your ok. Cars can be replaced man - life can't.

Quote: Originally Posted by ONETOC ok were do i begin, i was driving on huntingdale road yesterday afternoon adn was t boned by an old corolla. now the issue is, it was his fault he admited to it but he has no insurance and neithier do i. i went and got a quote at 2 panel beaters and was quoted 7,500 and 7,000. now the guy is saying he cant come up with that kind of money. does anyone know what i can do about getting the money i am owed for my car? nehelp would be appreciated thanks. kiss it goodbuy unless u have a lawyer that will got to court for free-if so give me his number- even if u take him to court what are u going to get? $50.00 a week-aka move on or do a out of court settlement- the only reason u got quoted $7,000 for a job is because u are not paying for it-all panel shop's work on that-so would i if i had a panel shop-and also u told them it's not your fault-so the panel shop don't care- get some more quotes without telling them it was someone's elses fault-and then go from their-tell them u love your car and only have enough money to fix this but not to buy an-other car- going to court in my eye's is $10,000 minium anything under that is a waste-some might dis-agree-but if u wanted 7 and your lwayer wanted 2,000 grand for exmaple-u are really chasing $11,000- i am only going by the $7- 7,500 quote u mention-also some shops don't want to do a vl smash job-they want the new car's-light hit,easy 1-3 day repair job- etc etc- who in their right mind would pay $7,000 for a rear section even if they know u never had insurance-if u did have insurance this topic would not be here- hope all go's well champ-

i reckon if the car u own is worth nothing n parts r easy 2 get n ur a good, sensible driver, then its not worth having insurance imo unless ur car is a theft bait like vls then its worth getting 3rd party unless u only paid $500 for an na vl then i wouldnt bother getting even 3rd party, but thats just me If insurance couldnt make money, they wouldn't be around. like casinos i heard somewhere that the average person is involved in an accident once in every 7 years

This happened to a mate recently... Same deal, but the guy that hit him sold his car and came up with the cash for him... You can only hope he does the same, as that's all you can hope for, otherwise as said you'll be getting a couple a bucks from him each week till its paid off! It sucks...

Quote: Originally Posted by vlberlina ah. i believe if you have 3rd party, and an un-insured driver hits you, your damage is covered by your insurance company and the insurance company then chases up the money from the uninsured driver. i must say though, i wouldn't drive a car without insurance. yes this is correct. firstly have u filled a police report. if not get down and do it staight away cause u only have 48 hours to do so.. then ring ur insurance company and tell them what happened. as long as u had 3rd party. if not your an id*ot. but still file a P/R and take it to court.. or third option find anew shell and transplate everything good..

Quote: Originally Posted by omgbt1 i reckon if the car u own is worth nothing n parts r easy 2 get n ur a good, sensible driver, then its not worth having insurance imo unless ur car is a theft bait like vls then its worth getting 3rd party unless u only paid $500 for an na vl then i wouldnt bother getting even 3rd party, but thats just me If insurance couldnt make money, they wouldn't be around. like casinos i heard somewhere that the average person is involved in an accident once in every 7 years Yeah your smart!!!!!!!!!!! What happens if you smash your car into the front of someones house or a light pole!!!!! Who pays for that I have had full comp on my VLCT for over 5 years at an agreed value currently sitting just a touch under 20k. Some original photos have not been recovered yet.

and how much is the premium and any excess out interest?

How much were you paying a year YEP boost?

Quote: Originally Posted by YEP_boost Yeah your smart!!!!!!!!!!! What happens if you smash your car into the front of someones house or a light pole!!!!! Who pays for that I have had full comp on my VLCT for over 5 years at an agreed value currently sitting just a touch under 20k. me lol!!! that comes down to stupidity then n if u drive like that then u need insurance, but how i see it u pay roughy 1g a year full comp, thats roughy 5gs u gave away. if i used an expensive car everyday parkin it in public places then i definatly would have insurance cos risk is high of something happening Some original photos have not been recovered yet.

My guess is with an agreed value nudging $20k, the premium is more like $2k through one of the very few companies that will insure a car with countless mods.