Generally, if you do not hold comprehensive car insurance, you will not be covered for property damage to your own vehicle. However, if another driver is ‘at fault’ for the accident, you have the right to claim your costs of towing and repairing your vehicle, from the negligent driver.
You can make a claim for property damage against the ‘at fault’ driver, even if they do not have insurance.
If the ‘at fault’ driver refuses to pay for your repairs, or is unwilling to negotiate, you may have to send them a letter of demand or institute legal proceedings to recover the money they owe you for your repairs.
Alternatively, if the repairs you are claiming are below $5,000, and the ‘at fault’ driver is insured you can lodge a third party uninsured dispute with the Financial Ombudsman Service (FOS) against the ‘at fault’ driver’s insurance company.
No. Only the ‘at fault’ driver can claim on their own motor vehicle insurance policy. All you can do is claim against the ‘at fault’ driver themselves. If the ‘at fault’ driver is insured, they can choose to make a claim with their insurer to cover the costs of compensating you for your repairs. If this occurs, the insurer will stand in the ‘at fault’ driver’s shoes so you will essentially be claiming directly against the insurer.
You cannot force the ‘at fault’ driver to make a claim with their insurer if they don’t want to, however they will have to pay you out of their pocket if you are successful.
If you are injured in a motor vehicle accident, you can claim compensation for your personal injuries from the CTP Insurer of the driver that caused the accident. For more information see: Injured in a Car Accident - What are my rights
If an injury occurred on the road, get free & no obligation initial advice. Please call us on 1800 266 801, request a call back below or start a live chat with our experts now.
It’s important to get advice for your specific situation. Check if you can make a risk-free compensation claim and get free initial advice from our Principal lawyer, Greg Smith.
Step-by-step guide on what to do if you are injured in an accident as a Queensland taxi passenger. Check your rights and next steps for free now.
Injured on or by an electric scooter in Brisbane such as a Lime or Neuron scooter?