If you've been in an accident and you don't believe you are at fault, you may want to consider whether you should claim through your car insurance or the other party's insurance policy. Depending on the circumstances, there are a few things to consider:
If you can't or prefer not to lodge a claim through the other party's insurance, or if they don't have insurance, you can lodge your claim with us via self-service.
Note, Bingle will only cover damage to your car if you hold a Comprehensive Car Insurance policy with us. If you hold Third Party Car Insurance, we can't cover damage to your car (we only cover accidental damage caused by the use of your car to other people's cars and property) – regardless of who is at fault. So, if your car is damaged in an accident, you believe you're not at fault and you only hold a Third Party Car Insurance policy with us, you may want to look into claiming through the responsible party's insurance company, if that's an option.
If you have Comprehensive Car Insurance with us, you can arrange a tow if needed. If your car has already been towed, you can claim the reasonable cost of towing as part of your claim. Just keep your receipt.
If you end up making a claim via Bingle and we determine your car to be a total loss, and we haven't provided you with a new car under the 'New for Old' option we will finalise your claim by paying you a total loss payment based on your car's market value.2 If your car is financed, we'll firstly pay your credit provider what they are entitled to (less our estimate of its salvage value if they are entitled to it), and pay you whatever balance is left.
If you have New for Old as an optional extra (available on Comprehensive Car Insurance policies if your car is 3 years old or less), we will replace your car with a brand new car of the same make and model (if available) or supply you with a new car that is (in our opinion) the nearest similar available make and model to your car.
If you make a claim via the responsible party's car insurance and your car is determined to be a write off, you can discuss next steps with the relevant insurance company.
As we mentioned above in the 'Claiming with Bingle' section, if the other party doesn't have insurance, and you hold a Bingle comprehensive policy you can lodge your claim with us via self-service. Find out more here.
If the other party only has Third Party Car Insurance, you might be able to proceed with a claim through their insurance company, depending on the circumstances. Third Party Insurance policies cover damage to other people's cars and property (i.e. your damaged car) – just not their vehicle.
Need to make a claim? Find out more about our claims process.