Who this is for
- The other driver was at fault
- The accident happened in Victoria
- You live in metropolitan Melbourne
Insured or not. Businesses, rideshare drivers and cars you don't own included.
No comprehensive cover?
That isn't the end of it.
Third party cover pays for damage you cause to other people. It does nothing for your own car. But the recovery runs against the driver who hit you, not against your policy, so what cover you hold does not decide whether your car gets fixed.
Answered day or night. Melbourne and across Victoria.
Uninsured and hit by someone else? Call 0495 032 111.
This is the situation people assume is hopeless, and it is the one we are asked about most. Tell us what happened and we'll tell you where you stand.
What your cover does and does not decide
A third party property policy pays for damage you cause to someone else’s property. If someone hits you, your policy does not deal with the damage they caused.
People can take that as the end of the matter. They hear the word uninsured and assume they are on their own. But that is a different question. Your cover determines what your own insurer will do for you. It does not determine what the driver who hit you owes you.
That debt still exists whether you have comprehensive insurance, third party cover only, or no cover at all.
Your cover is not the deciding fact.
Uninsured? Still worth a call.
The recovery runs against the driver who hit you. Your own cover does not decide it.
Third party only is not nothing.
It covers damage you cause to others. For your own car, the at-fault driver is the one who owes.
We'll tell you if it's not worth it.
If there is no insurer behind the other driver, you deserve to hear that early rather than late.
When the other driver is the one with no insurance
This is harder, and we will not pretend otherwise. When a driver has no insurer behind them, recovery means pursuing that person directly. Whether it is worth doing depends on who they are and what is known about them.
What we can do is tell you honestly which situation you are in, usually from the registration and the details taken at the scene, before you spend or sign anything.
Where there is an insurer to recover from, the usual path applies: the repair, and a car to drive while your car is being repaired.
The questions people ask before they call.
If yours isn't here, ring and ask it. We would rather tell you where you stand than have you guess.
I only have third party property cover. Can you help?
Yes. That policy does nothing for your own car, but the driver who hit you is still responsible for it. That is the recovery.
I have no insurance at all.
Still worth the call. What matters is whether the driver who hit you is identified and insured, not what you hold.
The other driver has no insurance. What then?
Then the recovery is against the person rather than an insurer, and whether that is worth pursuing depends on the details. We'll give you an honest read before you spend anything.
They drove off and I did not get details.
Without the other driver identified there is usually nobody to recover from. If you have a registration, a photo or a witness, that can change the answer.
Will this cost me anything?
Our fee goes to the at-fault driver's insurer with the repair and the replacement car. Not to you.