How to deal with Property Damage in Queensland?

If you have third party insurance, you may lodge a claim with your third party insurance company. However, you would be liable to pay the excess fee and they would only cover the costs for the other party, not you.

Before claiming through your insurance, it might be a good idea to compare your excess fee and the potential repair cost to see if it’s worthwhile.

1.2 I have comprehensive insurance

If you have comprehensive insurance, you may lodge a claim with your comprehensive insurance company. However, you would be liable to pay the excess fees.

Once you have paid the excess fee, your insurance company will pay both sides’ car repair fees.

1.3 I do not have car insurance but other side has car insurance. What does that mean?

Under such circumstances, the other party would normally claim with their own insurance company. Their insurance company will then recover all costs (repair costs and car rental expenses) from you, instead of the excess fees.

If you have received a letter of demand from the other party and do not know how to respond, contact Ascent Lawyers immediately to seek legal advice.

1.4 I do not have car insurance, other side does not either

You have to pay for everything yourself, including yours and the other party’s.

2. Claimant