Motor Vehicle Accidents

These fact sheets are for information only. It is recommended that you get legal advice about your situation. These resources have been produced with funding from NSW Office of Fair Trading.


Why do I have to pay my excess? Or multiple excesses?


This fact sheet is for information only. It is recommended that you get legal advice about your situation. CASE STUDY Josie’s car was parked on the street overnight. The next morning she woke up to find it had been ploughed into by another car. The police were in attendance. They told her that a stolen […]

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My car has been written off by my insurer – What deductions can my insurer make from my payout?


My car has been written off by my insurer – what deductions can my insurer make from my payout? This fact sheet is for information only. It is recommended that you get legal advice about your situation. CASE STUDY Emily’s car had a market value of around $8000.  She took out comprehensive car insurance with […]

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Your vehicle has been ‘written off’


This fact sheet is for information only. It is recommended that you get legal advice about your situation. Case Study: Joeseph is comprehensively insured and drives a low value, 10 year old car. It has got low kilometres and he takes good care of it, he only drives it now and then. He is insured […]

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Insurance dispute resolution


This fact sheet is for information only. It is recommended that you get legal advice about your situation. CASE STUDY  Dan was very frustrated with his insurance company. After an accident at a roundabout 8 months ago he had put in a claim on his comprehensive car insurance policy. Since then the insurer had asked […]

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How to use your Product Disclosure Statement (PDS)


This fact sheet is for information only. It is recommended that you get legal advice about your situation. WHAT IS INSURANCE? Insurance is a contractual relationship between the insurer (your insurance company) and the insured (you). WHAT DOCUMENTS MAKE UP YOUR INSURANCE CONTRACT? The insurance contract is made up of your certificate of insurance and […]

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Help! My insurance claim Is taking forever!


Sometimes you can get stuck in limbo where you have made the claim but have not had a decision on your claim. This fact sheet explains your rights to request information from the insurer or lodge a dispute if necessary. CASE STUDY  Darren has a comprehensive car insurance policy. She lodged a claim when her […]

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Buying car insurance


WHAT KIND OF CAR INSURANCE SHOULD I CONSIDER This fact sheet is for information only. It is recommended that you get legal advice about your situation. CASE STUDY  Ted was desperate to buy a car. He went into a used car dealership and picked out a car. The dealer said he could arrange comprehensive insurance […]

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Frequently Asked Insurance Questions


This factsheet answers commonly asked questions about car accidents, car insurance claims, insurance investigations and home and or contents insurance. MAKE SURE YOU HAVE A COPY OF YOUR INSURANCE CONTRACT (THIS IS COMPRISED OF YOUR PRODUCT DISCLOSURE STATEMENT (PDS) AND YOUR CERTIFICATE OF INSURANCE). CAR ACCIDENTS What if I don’t believe that I am at […]

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What can I do if my insurer agrees to pay some, but not all of my claim?


What can I do if the insurer agrees to pay some, but not all of my claim? TODD’S STORY  Todd’s car was damaged in a car accident. Todd claimed on his car insurance for the damage with BIG INSURANCE COMPANY. He disagreed with the insurer’s assessment of the extent of the damage. There may be […]

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Rental cars and insurance


Rental car companies do not provide insurance. It is in fact a liability limitation product. It provides very poor coverage if you damage the rental car. If you are at fault in a car accident you usually have no cover for the damage to the other car! CASE STUDY  Justin travelled to Adelaide for a […]

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Problems with the quality of repairs arranged by the insurer


This fact sheet is for information only. It is recommended that you get legal advice about your situation. CASE STUDY  Justin’s car was damaged in a car accident. Justin claimed on his car insurance for the damage with BIG INSURANCE COMPANY. The insurer approved the claim and his car was fixed at JOE’S SMASH REPAIRER. […]

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I’ve had a car accident and I’m uninsured!


This fact sheet is for information only. It is recommended that you get legal advice about your situation. CASE STUDY  Joe owned an old Holden. He was driving to visit a mate when he had an accident. He had been driving along happily listening to music when he suddenly saw a car appear in front […]

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Making a claim on your car insurance


This factsheet is for information only. It is recommended that you get legal advice about your situation. You may also want to try our Motor vehicle accident problem solver CASE STUDY  Anthony had a comprehensive car insurance policy on his brand new V8 car. Three months after getting his new car he has an accident. He […]

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What can I do if my car insurance claim is refused?


This fact sheet is an overview of some common reasons why an insurer may refuse your car insurance claim and what options you have after you have received a rejection. CASE STUDY  Sahar had an awful car accident. She was insured. She rang the insurer to report the accident. BIG INSURANCE COMPANY has now produced […]

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What can I do if I am investigated on an insurance claim?


Investigations by insurers can be very upsetting and intimidating. This fact sheet gives you information about your rights and responsibilities. Also see our Know Your Rights Checklist: Insurance Interviews. CASE STUDY Greg’s car was stolen at night. He had parked his car outside a racecourse when he went to see the horse races. After the […]

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