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  Reply # 2068736 6-Aug-2018 15:30
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I had a chat today with someone who works at an insurance company. My best summary would be - watch this space.





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  Reply # 2068843 6-Aug-2018 16:02
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Glad to see something sensible from the judge on this one.





Richard rich.ms

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  Reply # 2068850 6-Aug-2018 16:14
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richms:

 

Glad to see something sensible from the judge on this one.

 

 

Will you still feel the same way at renewal time?





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  Reply # 2068871 6-Aug-2018 17:19
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In case people missed it, the court case itself was linked and discussed a few days before the Stuff story. Actually I wonder if the Stuff journalist came across it from here. Something similar has happened before. 

 

Since this was a test case (as per lawyers for both parties), I'm assuming that lawyers for the insurers have been going over it carefully to decide if they have grounds to appeal. For a complicated case like this, I'm guessing that they will find something and so it's probably not finished yet. Although in the mean time, the effects on premiums etc are going to come into play. 


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Wannabe Geek


  Reply # 2071532 10-Aug-2018 21:37
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I was involved in a car crash the other week. Someone rear-ended me on the motorway - he was definitely 'at-fault.' 

 

Thankfully, he had third-party and submitted a claim. I submitted a claim with my insurance and got my excess waived as the at-fault driver submitted a claim so my insurance company is recovering costs from the at-fault's insurance company.

 

Now - my car needs to go into the workshop for a couple of days/weeks and I need a car to go to/from work...

 

I rang my insurance company today and asked what my options were regarding rental cars as I'm the victim (I don't have rental car policy with my insurance).

 

They weren't very helpful... they said I could rent a car from a normal rental company and try to get costs covered by at-fault insurance. However, he said I won't be likely reimbursed the full amount.... Also, I don't like the fact I have to pay up-front fully and then try get reimbursed at a later date. This seems such a hassle for the crash victim....

 

Should I call at-fault insurance company directly and ask for a rental? If they say no... I'm inclined to say that I'll proceed to use a service like Right2Drive and see if they budge... apparently, this tactic has worked previously for some people...

 

How have you guys approached this? Are there any legal rights that I have? According to that article and what the Judge said, it should be my right to have a rental vehicle...... Should I just use Right2Drive? 

 

Please help...


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  Reply # 2071534 10-Aug-2018 21:43
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hojoonsung:

 

I rang my insurance company today and asked what my options were regarding rental cars as I'm the victim (I don't have rental car policy with my insurance).

 

They weren't very helpful... they said I could rent a car from a normal rental company and try to get costs covered by at-fault insurance. However, he said I won't be likely reimbursed the full amount.... Also, I don't like the fact I have to pay up-front fully and then try get reimbursed at a later date. This seems such a hassle for the crash victim....

 

Should I call at-fault insurance company directly and ask for a rental? If they say no... I'm inclined to say that I'll proceed to use a service like Right2Drive and see if they budge... apparently, this tactic has worked previously for some people...

 

How have you guys approached this? Are there any legal rights that I have? According to that article and what the Judge said, it should be my right to have a rental vehicle...... Should I just use Right2Drive? 

 

 

Do what you want. The risks have been well covered in this thread.

 

You sound like someone who gets bloshy when they don't get their every whim.

 

You are not a "victim". It was a car accident. It could just as likely been you at fault.





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  Reply # 2072738 13-Aug-2018 15:51
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Nil Einne:

 

In case people missed it, the court case itself was linked and discussed a few days before the Stuff story. Actually I wonder if the Stuff journalist came across it from here. Something similar has happened before. 

 

Since this was a test case (as per lawyers for both parties), I'm assuming that lawyers for the insurers have been going over it carefully to decide if they have grounds to appeal. For a complicated case like this, I'm guessing that they will find something and so it's probably not finished yet. Although in the mean time, the effects on premiums etc are going to come into play. 

 

 

Not really all that likely that it'll have a great effect on premiums. They'll probably throw in hire car cover when not-at-fault and the standard add-on for at-fault hire car cover to match what they do in Australia, where insurance already costs pretty much the same amount despite covering more potential liability (in Australia, the CTP will  only cover the not-at-fault party in some states, so for at-fault parties the insurer is up for all damage and medical bills).

 

hojoonsung:

 

Should I call at-fault insurance company directly and ask for a rental? If they say no... I'm inclined to say that I'll proceed to use a service like Right2Drive and see if they budge... apparently, this tactic has worked previously for some people...

 

How have you guys approached this? Are there any legal rights that I have? According to that article and what the Judge said, it should be my right to have a rental vehicle...... Should I just use Right2Drive? 

 

Please help...

 

 

I'd say call the other insurer and suggest it - they may be able to use their purchasing power to get a better rate than if you set a crash hire company onto them and now that there's precedent that they are liable, they may come to the party.

 

MichaelNZ:

 

Do what you want. The risks have been well covered in this thread.

 

You sound like someone who gets bloshy when they don't get their every whim.

 

You are not a "victim". It was a car accident. It could just as likely been you at fault.

 

 

Oh hogwash, you're just being petty now because you've been proven wrong.

 

There's practically such thing as car "accidents" - virtually every single one is caused because someone did something negligent or stupid - a rear-ender is definitely one such case. The person not at fault is entitled to not be worse off than before they were hit, so he's perfectly entitled to a vehicle so he's not stuck relying on taxis and public transport at his own expense.


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