请教个车祸，我需要付excess fee吗

jyy_jessie

去超市买东西，超市门口一辆送货的van，司机进去送货，没熄火，被人偷了，开走的时候撞上我的车，hit and run，后来超市说司机在店里出来找不到车，被偷了

有几个证人，自己也去警察局报警了，对方是van，公司车，我车子aami全险，有对方车牌号，几个朋友说没有责任人的驾照信息，这样我需要自己付excess fee，是这样的吗？

kane321

直接问保险公司啊，保险公司可能会问你要police report啥的，有没有对方车牌？

Bramasole

报警信息，加上证人，应该不用你付垫底费。

jyy_jessie

kane321 发表于 2023-1-4 19:33
直接问保险公司啊，保险公司可能会问你要police report啥的，有没有对方车牌？ ...

提供了police report给保险公司，保险公司要我提供司机的信息，因为police report里没有司机信息

有对方车牌，但是没有司机信息，我需要付excess

kane321

jyy_jessie 发表于 2023-1-4 18:43
提供了police report给保险公司，保险公司要我提供司机的信息，因为police report里没有司机信息

有对方 ...

嗯， aami有写，估计如果找到人了以后可能会退给你 不过应该基本不可能

What if the person who hit your parked car drove off?

If you have comprehensive car insurance, you can still lodge a claim for damage caused in a hit and run. You’ll probably need to pay an excess.

Such a claim may require a police report, so contact the police first.

auskoala

jyy_jessie 发表于 2023-1-4 19:43
提供了police report给保险公司，保险公司要我提供司机的信息，因为police report里没有司机信息

有对方 ...

买全险就是防类似的事情的

Ngshun

车被偷了、贼撞到他人的车、也是被偷车主责任、我以前朋友试过

Ngshun

Could You Be Liable if Someone Stole Your Car and Then Crashed it?

That depends on the situation. If your car is stolen, you are probably not going to be held liable for damages the thief causes. However, there may be some exceptions, such as if the insurance company determines the theft was foreseeable.

How Could a Car Theft Be Foreseeable?

A car theft may be foreseeable due to negligence on the part of the vehicle’s owner. For instance:

Did the owner park the car and leave the keys in the ignition?
Did the owner leave the car parked but unlocked?
Did the owner leave the engine running?
Any of these actions could be considered owner negligence by the insurance company.

Ngshun

Who pays for damage caused by stolen car Australia?
In an accident, it is normally the at-fault driver (or their insurer) that must pay for any property damage and injury compensation. Therefore if you are deemed at-fault for the accident, you must pay for any damage to your vehicle and possibly the damage of the stolen vehicle as well.

WayneOZ

几个朋友整齐划一都不懂也是挺难得

jyy_jessie

Ngshun 发表于 2023-1-5 06:51
Who pays for damage caused by stolen car Australia?
In an accident, it is normally the at-fault driv ...

小偷应该是找不到了，送货的van，钥匙插在车上，没熄火，就进去送货了

JaredW

jyy_jessie 发表于 2023-1-5 08:56
小偷应该是找不到了，送货的van，钥匙插在车上，没熄火，就进去送货了

如果是这种情况，按理说应该是VAN车主或车主的保险公司负责。 如果你有警车的statement 说明是VAN的司机疏忽导致了车子被偷， 把statement 发给你的保险公司。比较大可能是保险公司会先让你交excess fee， 搞清楚事情起因后，如果不是你的责任并确认了责任方，会退给你excess fee，如果你对保险公司的处理不满意，可以AFCA 或者Ombudsman 等机构进行投诉

sushisushi09

遇到过类似的情况。必须要有个人信息，只有车牌没用。修车需要交excess fee，后期如果警察抓到人了（大概率不可能），保险公司会退还费用。
简单来说就是如果抓不到人，这钱就你出了，不管谁的责任