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Pages

• About the Financial Rights Legal Centre
  • Contact us
  • Know Your Financial Rights
• Contact Form
• Home Page
• I am experiencing financial hardship
• I have further questions
• I have other questions about my insurance
• I need advice?
• Motor Vehicle Accidents
• My insurance claim is refused?
• Privacy Policy
• Site Map

Factsheets

• Why do I have to pay my excess? Or multiple excesses?
• My car has been written off by my insurer - What deductions can my insurer make from my payout?
• Your vehicle has been 'written off'
• Insurance dispute resolution
• How to use your Product Disclosure Statement (PDS)
• Help! My general insurance claim is taking forever!
• Buying car insurance
• Frequently Asked Insurance Questions
• What can I do if my insurer agrees to pay some, but not all of my claim?
• Rental cars and insurance
• Problems with the quality of repairs arranged by the insurer
• I've had a car accident and I'm uninsured!
• Making a claim on your car insurance
• What can I do if my car insurance claim is refused?
• What can I do if I am investigated on an insurance claim?

Option Pages

• Can I pay my excess and dispute whether I had to pay it later?
• I am not insured and not at fault
• What happens if the car is written off and on finance?
• I’m insured but don't want to claim, the other party is insured but their insurer does not admit fault
• Should I let the at fault party's insurer assess my car?
• I have a question about my car being written off
• I have a question about repairs
• I have a question about excess
• What do I do if I am being investigated by my insurer?
• Should I claim when I am not at fault and insured?
• I am claiming on my insurance
• I am insured, not at fault but don’t want to make a claim
• The other party has admitted fault and I am insured but not claiming
• The other party has admitted partial fault, I am insured but not claiming
• Sending a letter of demand
• Make a claim in the Australian Financial Complaints Authority (AFCA)
• I am not at fault, I’m insured but can’t afford my excess
• Commencing a claim in Court (if the demand is not paid)
• The other party has not admitted fault, and I am insured but not claiming
• I need more information about fault
• The other party has not admitted partial fault
• The other party admits partial fault
• I am insured, partially at fault and don't want to claim
• I am partially at fault and I have decided to claim on my insurance
• I am insured, partially at fault, should I claim?
• I am partially at fault, am in financial difficulty and can't afford to pay my excess
• Make a claim in the Australian Financial Complaints Authority (AFCA)
• I have obtained an itemised invoice of damages
• I'm in dispute over fault
• When can my car be determined a write off and who gets to decide that?
• I’m not insured, the other party is insured and insurer admits fault
• The other party has breached their policy
• The other party has not or cannot pay their excess
• The other party has not and/or will not make a claim on their policy
• I’m not insured, the other party says they are insured but the insurer says they haven’t met the policy conditions
• What do I do if my insurance claim is refused?
• I dispute the way my claim has been paid and/or how my car has been repaired
• Should I be paid the agreed value or the market value?
• I am in insurance claim limbo – what do I do?
• Can they “write off” instead of repairing my car?
• What happens if the insurer gives me the money to do the repairs?
• Can I choose my own repairer?
• My car is a total loss – can they deduct my premiums, CTP and registration?
• What happens if the insurer chooses the repairer and does the repairs?
• What if I can’t pay my excess?
• Do I have to pay my excess?
• Can I claim on the other driver’s insurance?
• How do I make a claim?
• I want to pursue the other party
• I'm insured
• I'm insured, should I claim?
• I’m not insured, the other party is insured but their insurer does not admit fault
• How do I get the other side to pay if they do not agree they are at fault?
• I'm not insured
• What happens when the car is written off?
• What if they don’t agree to my offers of settlement?
• I don’t know what will happen next (I am not insured and at fault)
• Does the other driver (or their insurer) have to get 2-3 quotes before repairing the car?
• The driver of the other car said that if I paid his/her excess then it would be ok
• Does the other driver (or their insurer) have to contact me before they repair the other driver’s car?
• It’s been a long time since the accident, can they still pursue me?
• The other party is seeking an excessive amount of money
• I am trying to figure out who is at fault
• I cannot afford to pay the amount claimed
• I agree to the amount without an itemised quote and want to offer a lump sum
• I’ve received a letter of demand but not an itemised invoice of damages claimed
• I’ve received a letter of demand and an itemised invoice of damages claimed
• I don’t agree with the amount claimed
• The driver of the other car said that if I paid his/her excess then it would be ok
• What if I only have third party property insurance?
• I don’t agree with the insurer’s settlement offer
• Why do they deduct an amount for the wreck the unexpired portion of my registration and the CTP insurance?
• Do I have to let the other party’s insurance company assess and/or repair my car?
• What am I entitled to?
• I'm not insured and the other party is not insured
• The other driver is trying to recover hire car costs
• I don’t know what will happen next (I am insured and at fault)
• I am experiencing financial hardship
• Should I let the at fault party's insurer assess my car?
• Send a letter of demand
• Commence a claim in court (if the demand is not paid)
• Make a claim in the Australian Financial Complaints Australia (AFCA)
• I am not at fault, I'm insured but can't afford my excess
• I am not at fault, the other party has not admitted fault, and I am insured
• I am not at fault, the other party has admitted partial fault, and I am insured
• The other party has admitted fault and I am insured and not claiming
• I am insured, not at fault but don't want to make a claim
• Should I claim when I am not at fault and insured?
• I am insured and not at fault
• I am partially at fault and am experiencing financial hardship
• I am in financial difficulty and can’t afford to pay my excess (I am partially at fault)
• The other party has not admitted partial fault
• The other party has admitted partial fault
• I am not insured and only partially at fault
• I am insured and I am partially at fault
• I am insured but don't want to claim
• Should I claim or not claim on my insurance?
• I have third party property insurance and want to make a claim for damage to my vehicle under my Uninsured Motorist Extension
• I am partially at fault
• The other driver is trying to recover hire car costs
• My insurer tells me my policy has lapsed or has rejected my claim
• I'm insured but can't afford to pay my excess
• Does the other driver (or their insurer) have to get 2-3 quotes before repairing the car?
• Does the other driver (or their insurer) have to contact me before they repair the other driver’s car?
• It's been a long time since the accident, can their insurer still pursue me
• I've now received an itemised quote
• The other party is seeking an excessive amount of money
• I am trying to figure out who's at fault
• I am experiencing financial hardship (insured)
• I have a question about my insurance
• I agree to the amount without an itemised quote and want to offer a lump sum
• I am not insured
• I've had an accident, nothing has happened yet but need advice
• What is your situation?
• I’ve had an accident and I’m pursuing the other party
• I’ve had an accident and I’m being chased for money to pay for the damage
• I am not at fault
• I don’t know if I am at fault
• I agree that I am at fault
• The amount claimed is less than my excess
• I don’t agree with the amount claimed (insured)
• I've received a letter of demand but not an itemised invoice of damages claimed
• I've received a letter of demand and an itemised invoice of damages claimed
• I am insured