MVA Problem Solver

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I’m not insured and the other party is not insured

If you are not insured, and you are not at fault or only partly at fault you will need to make a demand to the at fault driver or owner of the other car.

Your first step is to work out how much your damage you have suffered by the collision. This means gathering evidence and quotes for repair or if your car cannot be repaired its market value.

Generally in car accidents, the other party is entitled to recover damages caused by the at-fault’s party’s negligence.

The damage in a motor vehicle repair claim is usually made up as follows:

  • Repair cost of the damage caused or the market value of the vehicle, whichever the lesser
  • PLUS towing costs
  • PLUS hire car costs, lost wages or profits (called “demurrage”)
  • LESS salvage value (if market value of the car is claimed)

The costs you can recover are limited to what is ‘reasonable’ given the circumstances (such as the age / make / model / condition of the car, and the availability of car repairers in the area).

You have an obligation to mitigate or minimise their losses. This means you should keep your costs reasonable and not spend a lot of unnecessary money on repairs or care hire.

It is generally advisable to get more than one quote so that you can show that your costs are reasonable.

The next steps are to:

  1. send a letter of demand, which outlines your damages and the date in which you want the money paid by; and then if the demand is not paid by the demand date,
  2. commence a claim in Court.

If the other driver’s insurer is contacting you demanding payment, this means they think you are at fault for the damages and fault is disputed. You need to either go back a step or click on the “I’m in dispute over fault” button below to read more about fault disputes)