QuoteReplyTopic: Third Party Property Damage with subsequent damage Posted: 06/June/2012 at 09:45
Good Morning Community,
Facts: Vehicle was in an accident, no fault, and has now had a subsequent accident in the same vehicle, no fault, though the at fault party in the second accident drove off from the scene without being able to get their registration details.
A claim has been logged for the first no fault accident, live assessment due to be done, as the vehicle was assessed as a total loss by the insurance companies preferred repairer.
Question posed, is firstly do i need to disclose the second accident to the insurer before the live assessment is done, and if so, how will a total loss payout be determined, since there has been a subsequent accident in the same region as the first accident?
I expect they will try to avoid payment of the claim if there are confusing facts before them. If they become aware of the second crash and you have not advised them of this, I also expect that they will try to avoid payment of the claim.
Did you report the driver who drove off to the police?
Others more versed in insurance matter may reply to this.
I am NOT a lawyer. Anything said is NOT legal advice.
Please post your legal questions in a forum rather than sending a PM. Thanks.
Nice try! The assessor will spot the damage and work out it's due to multiple accidents and poof there goes your claim. They're pretty experienced. You're best to disclose all other accidents, work out with the assessor what he will pay and be prepared to pay any balance.
Not legal advice. Personal opinion only. Seek legal advice from qualified personnel only.
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