This is my worst car accident so far, and it happened in a foreign country. It's been a whole month. The aftercare work was basically over, and the new car got it. I think it is necessary to write something, one is to sum up experiences and lessons in case of emergency, the second is to share with Chinese friends in Australia, how to deal with the accident properly.
A month ago, at 7: 50am on Nov. 13, I drove my little Nissan tidda hatchback car to work as usual. I braked when the yellow lights turned red at the intersection between willinton road and Jackson road. Set your mind on how to start a day's work later. Suddenly, there was a loud noise, and then I was hit and emptied, and the seat belt pulled me back to my seat (I had to fasten my seat belt when I was driving). I had to lose my seat belt, or I would have been hit by this tremendous impact on the side of the car. Then I smelled a strange smell. I felt bad, thinking of the explosion in the movie and crawling out of the car.
When I came out, I found it was rear-ended by a rear-end Toyota, all sunk in my car, and my car was hit directly out of the bend and mounted against the side door of a BMW x5 in the opposite lane. To be honest, I was devastated and ignorant. The owner of the accident was a Middle Eastern lady, who always hid in the car and dared not come out, only to know that she was on the phone. The owner of the BMW carriage got out of the car and began to fuck this fuck. I took out my cell phone and photographed the scene of the accident. Including involve. All plates. Unfortunately, just the day before yesterday, I lost my driver's license in the replacement office, vicroad has not been mailed to my hand, finished, driving without a license. I was wondering if I could use my Chinese driver's license. So I turned out my Chinese driver's license and tried to make it work, and then I took off the two green P's from the front and back. It turned out to be a stupid decision.
Two minutes later, all the police cars, ambulances and trailers arrived. Policeman first thing was to test if drug, was drunk driving. or not. They don't care at all, are you injured, who is responsible, this is not like domestic, domestic accident judgment seems to be traffic police matter, huh?
The police and the dry meal left the three of us together, let's stay in touch with each other, I asked the rear-end my Middle Eastern woman, why so fast, don't you see the red light? She said she had put the throttle on the brake by mistake. 80 km/h, was still a steep slope. You can imagine the impact of the time ah, the world's road woman killer is a family. The whole process, everyone is actively taking evidence, no one said, who will be responsible.
Just this time, one of the most disturbing things happened. A tow truck came and said it was going to tow me (because I couldn't drive properly at that time). And wrote me a ticket and said the insurance company would meet cover.. I was a little confused and thought the trailer that the police were in contact with agreed and signed. It turned out to be a stupid thing, laying the groundwork for fear later.
There was no car, and I couldn't go to work, and I came home in a depressing mood. Because I bought third party insurance, it's impossible to contact my insurance company to settle it. So I volunteered to ask that Middle Eastern woman, claim number.. She sent a long text message to me and the BMW owner, roughly to her fault, she took the initiative to claim her insurance, the company was RAVC, and sent claim number.. When I got this claim number, I called RAVC all the time. Facts have proved that insurance is easy, the use of insurance is really difficult. The entire claim settlement process can be said to be a twists and turns, consuming people exhausted.
First, the insurance company's phone calls normally ask me, license plate number, name, address, driver's license, plate number and claim number, and then give a rough description of how the accident happened. And then I'll wait.
I waited a day, still afraid, the next day suddenly received a phone call, I was full of joy that the insurance company to repair my car. Turns out, it was the trailer company that told me to go to their company and pay for it. I'll wipe $170 for towing and $60 for parking. I thought at that time, this money certainly can't give, the insurance company can compensate still do not know? So I went over to talk to the trailer company and said I didn't have the money for the time being. The insurance company paid me back. They said for a moment that they could say no for a while, stuttering, and I hated it. I went up and down in my heart and asked the insurance company again. As a result, the insurance company is back before a set of procedures, said the record, let wait. I was a little angry, so I said put you manager on the phone. I didn't have time to wait. Manager made an appointment for me to get a assessment team, to watch the car for the next week, okay, wait again. Fortunately, someone from the trailer company called book, a rental car company called AUSfleet, which rented me an almost new Hyundai car. Although the insurance company told them that I would not cover my car rental fee, the car rental company asked me about the cause of the accident and whether there was any claim number, and reassured me that they would ask the insurance company directly for the bill. I not only sighed at that time: the insurance company can fucking procrastinate, can not give or not to give ah. Looks like it's gonna be hard!
By the second Monday, I had received two calls, one from a man who called himself Matte, saying that he had finished with my car and said that assessment, had said that my car had been completely destroyed by write off,. So what? 'The insurance company will pay me money compensation based on market value,'he said. I say yes, how long can we know how much to lose? He said it would take a week to clean up report to the insurance company. Oh, my God, wait again. The second call, from the trailer company, urged me to submit the bill, and I saw that the bill had accumulated to more than $500. Shit, you've been messing with me, dragging me into your parking lot, so you can charge me for parking? I broke out completely. Had a big fight with the owner of the trailer company, he said, if you don't pay your bill within 24 hours, you won't get paid for it or anything. I wonder if the claim has anything to do with him. I called RACV again and asked them to cover off the trailer company's bill first. They even hesitated to pay for it, and I just burst out. Angry I broke one of my desk legs and roared at the other end of the phone for a long time. I said you wouldn't give me today, cover,. I'll get a lawyer to sue you tomorrow, and the woman is obviously a little scared. Told me to give her the trailer and parking bill invoice email, and she transferred it to me right away. As a result, the next day more than 500 dollars really arrived at the account, it seems. Insurance company, you know. It's a fucking bitch.
By the third week, I had received a call from wrecker, a company that called itself Alian, saying that he was going to tow my car and give me $300. I said yes, and then I thought, can't the license plate go to vicroad to cancel and return the money? So before his trailer, I went to get, the trailer company, to registration plate to check out vicroad and took a check for $300. I contacted Matte, again to ask him how report had written, how much he had lost, and he said to me later, according to the market price of $4650, I thought to myself that I bought the $5700 handgear two years ago, and now the price is almost the same, and he is also argue with his mouth. Said I gear box new change, the car condition perfect cloud, he said, if you want to get the money quickly, do not want the argue, I think also, say, you quickly arrange to give me the money to lose money. He says he is only a third-party testing company, the compensation is still looking for insurance companies. No way, I re-telephoned the insurance company, or the woman I roared last time. She learned the lesson this time and told me directly that the compensation would be in place next Monday.
I checked Monday, sure enough the bank card into a sum, is 4350, shit, the original wrecker gave me $300 in advance is also the insurance company's compensation scope ah. It made me happy for a few days. In this way, the compensation to get, the car scrapped. The road sign was cancelled for three weeks, and since the free rental of a car lasted only 14 days, I rented my own rent a bomb. for a week. The cheapest car-more than $30 a day. Then, a week later, I actually received a registered letter from allianz, the insurance company of the BMW owner, which sent me a registered letter, asking me to give the claim number of BMW compensation. I replied directly to the text message sent to us by the Middle Eastern woman. And tell them I'm a victim, don't bother me. Then it was really quiet.
The biggest revelation: first, safe driving, do not have a car accident, even if the other person full responsibility, you will still be very annoyed, and can not take any advantage. The insurance company won't let you make this windfall. Second, go out with a driver's license, forget if you forget, once you get an Australian driver's license, stop trying to pass it with a domestic driver's license, and police can easily get all of your information to you. Third, there must be a trailer company with the car contact phone number, car accident, oneself contact the trailer company, towed to their designated location, can be their own home, can be a repair shop. Don't let the tow truck that comes with the police be towed away. Let them piss off.. Said I would contact the trailer myself. Fourth, have their own judgment, do not be led by the insurance company, to be decisive, to rush, the insurance company when the real performance of insurance is the fraud company, can not report, can procrastinate.
Finally, I wish you all a safe trip!