Hi all,
Can anyone help me with the following case. If i drive my father company lorry and kanna an accident with the one of the taxi. What i shall do if the taxi uncle has report the case to his company insurance? Some pointer to note is that i am not the employee of the company. Will it be very troublesome and what will happen. What is the consequence if i driving without insurance coverage??
Hope to seek advise on it.
Thank u
Company lorry does not have designated driver. As long as you are within the age limit (depending on the insurance policy), then you should be automatically covered.
Don't forget to make report to workshop within 24 hours (check which workshop with insurance company), as this is the rule under Motor Claim Framework starting last year.
If you are at fault, then:
1. Taxi uncle may want to claim against your insurance.
2. If the no.1 above happens, the lorry NCD will drop to 0% upon renewal.
3. If the repair amount is small (a few hundred $), you might want to settle it outside the insurance. So, you just pay from your own pocket. As a result, the lorry NCD will not be affected. And ask the taxi uncle to sign an agreement form that he will not claim the repair bill from insurance company.
4. Make sure there is no body injury claim by the taxi uncle.
5. Take as many picture as possible (if it's not too late).
Good luck.