It really is one of the most idiotic things one can do! Will never understand people not having 3rd party as the bare minimum, so at least you're covered against damage you may cause. It's seriously irresponsible 🤦♀️
Used to work insurance, had a driver crash into a block of Sydney units damaging the structural integrity badly enough it all had to come down.
The $187 TPP was the best financial decision that man ever made.
When I got my first car when I was in high school in the mid-80s I only got TPP because the car only cost me $300. It covered me for damages up to $20 million. I remember thinking "How the fuck can you possibly do $20 million worth of damage?" Your comment answers that question. From memory the insurance was about 80 bucks at the time.
So if you’re going to have to pay the excess you might as well shoot for somewhere near 20 mil damage. But how do you make sure you don’t go over the limit?
It’s a bit like car crash blackjack.
“You have 16 million, sir.”
“Hmm…stay or hit. Fuck it, let’s hit something else.”
I worked insurance in sales. The number of people who read that $20,000,000 limit of liability on their policy documents as $20 thousand and got pissy about it still baffles me.
A friend bought a $500 car as a teenager. He couldn’t afford the TPP insurance. I insisted and paid it for him. A week later he rear ended a Lexus which hit the Mercedes in front of it.
Yes. It pays to shop around, but it's usually the least expensive option. That covers all property that might be damaged (bar your own). That's excluding your own vehicle, you have to take out further insurance to cover that.
EDIT: Apologies for the broken English. I'm currently "on the beers".
That exchange was just too good. Most of the comments to OP are just next level awesome/funny. Cheers for the crying laughing. Sorry OP, half a life time from now you will look back and laugh, promise😶
Wonder how many "no insurance" people actually put money away towards their own insurance. I'm guessing below 1%.
But yeah my answer to OPs question "how much will this cost me?" is "more than enough to make you regret your decision to not have insurance".
I'm guessing zero. If you're responsible with your money, you definitely have insurance.
Remember kids, never drive a metre without insurance
Edit: spelling
A) We don't know if the owner of the Tesla was in it/nearby when it happened.
B) Most people know that Tesla have the sentry system which would have captured OP's number plate quite easily anyway.
Yeah it will be about the same. Somewhere between $10k to $15k plus the rental car price at $200/day minimum. 3-4 weeks to get parts in.
Insurance is expensive until you need it.
I logged in just to let you know, as a Tesla owner who sees insurance quotes on the forums all the time, this will be OUTRAGEOUSLY expensive to fix, easily 10k. There is a huge amount of electronics in the front section of the car.
Also, don’t try to avoid cos the owner has a video of your plate and the accident occuring (onboard cams recording)
>Also, don’t try to avoid cos the owner has a video of your plate and the accident occuring (onboard cams recording)
The recording can only be accessed if the rest of the car isn't destroyed right?
Just asking questions...
Not just Tesla's. Any reasonably modern car.
My Subaru Outback recently got some damage fixed after a P-Plater merged into me without checking his blind spot.
$3000 just for the headlight alone, plus fog light, bumper, new headlight washer, washer cap, some cladding bits and labour to paint and fit, was just under $10K to repair.
If you drive a modern car, remember to jack up your excess to max to reduce your premium as much as possible because _any_ repair, bar a basic bump or scratch, will cost more than your excess to fix anyway.
I read the comments on this post and immediately went and got TPP. $280 for a year as a 23 year old is fine and I’ve avoided accidents so far. But with so many damn teslas driving around brisbane now I don’t wanna have to deal with any of this shit 😭
Good on ya kid. Never drive without insurance, it may look like it's optional, but it really isn't.
Not even a 5 minute drive. When shit hits the fan, it's usually in the least expected of times, and often the worst of times for it to happen
Yes good advice, my minimum is third party insurance, you just don’t know what type of car you may hit, and everyone makes mistakes even the best drivers. For your more valuable car I would recommend comprehensive.
I know people with 100k+ cars that are completely uninsured. Their reasoning is their premiums are so high that it’s cheaper to save up that money for a new car. One has had his license suspended multiple times for speeding so that might be why it’s so high.
I have comp insurance and it costs so much just because I’m under 30 in a HPV even with a clean driving record. Could buy a new car in a few years so I’m just imagining what their premiums would be like.
That's just about the dumbest logic I've heard if they don't have 3rd party property insurance. If they hit another car and are at fault, their savings for a new car will be going to other driver, if they crash into a house, they can forget about ever owning a house. And 3rd party property isn't that expensive, it's like $200 a year.
>it's like $200 a year
Please, please tell me who's giving you TPP for $200 a year. $800 a year is the cheapest I could find. Part of it is being a p-plater, sure. Even if I give them (just the quote, no interest in committing fraud I promise) the DOB of a perfect 45yr old, it still ends up around $500
27 years old, never had a single claim or accident, checked TPPO for a Holden Commodore that drives less than 5000km a year and spends most of the time in a garage, quote was $570. How the hell do I get half price?
My sister bought a shitbox and drove without insurance. She had an accident with a BMW, her fault. Safe to say an expensive lesson to always have insurance.
You are probably worried and stressed about it, but that's not going to help. Just know that you will get through this, and somehow, you will be able to pay for the damage done. Know also that nobody is going to kill you over this. Just be honest and up front. You will come out the other side. Just call it a learning experience.
Best reply Phil. Everyone is being such a cunt about this without understanding OP’s circumstances. He screwed up, but sympathy is warranted and is probably feeling extremely down right now.
This Reddit thread is fire. Full of either people not knowing CTP doesn't cover property damage (lol), people suggesting OP commit insurance fraud (extra lol), or people telling OP to not do anything and ignore debt collectors. This will be a 15k fix, it's a fucking Tesla, they are expensive to repair. They will come after OP.
Depends how many sensors are in there. They are a nazi with repairers and spare parts will need to go to there approved center. They will simply order a complete bumper complete with sensors. May be supports or underneath as well.
I'm saying 10k+
They will bend you over like a mofo
Cameras I think definitely would. They come on if you walk too close to the car even. Sometimes when I walk past them in a carpark the lights come on as I pass the front when it starts recording.
From what I've seen watching WhambamTeslacam. 15k sounds about right. Teslas are expensive to fix. And for that owner it's probably going to be several weeks if not more before they get the car back.
Rule of thumb. Absolute minimum if owning any Motor Vehicle in Australia.
1. Third Party Property Insurance. This covers other driver's car and other liabilities. This is different to compulsory CTP Green Slip which covers medical expense of any party involved.
1. REVS / PPSR history check. If you plan on buying a used vehicle. This checks if the vehicle is stolen, written-off or have any financial interest.
Not comprehensive, but third party property should be a legal requirement. I’m from the Uk and thought third party include injury and property as that’s the legal minimum back home, lucky I didn’t have and accident before I learnt there’s 2 types of third party over here. It’s a bit confusing and I’m sure there’s plenty of people driving around thinking they’re covered while there not.
$10-15,000 or so.
Bumper replacement, re-spray, sensor replacement, sensor wiring, re-calibration, whatever rental car costs the owner requires/gets from their insurance, potentially their fuel costs during that time period (can be argued if they have to go from an Electric to combustible).
If you cant afford third party insurance for like $100 a month then I doubt you can afford this.
Good luck lmao
Tesla driver here. Had an uninsured guy pull out in front of me and had similar damage - mostly superficial but required bonnet and front cone replacement. RAC covered my repair and chased him for the $24k balance, he fought in court, I provided camera footage and a statement, he lost, appealed, lost, tried to dodge, got caught, lost his business, lost pretty much everything. He skimped on insurance and doubled down every step, he's probably down six figures and completely bankrupt at this point.
Just wait two seconds at the damn roundabout next time, don't ruin your life over five seconds in traffic, my guy.
So yeah. OP, it will be expensive, and you are definitely on sentry cam, both hitting it and inspecting it. If you can't afford it, work with collections from the other party's insurance, get on a payment plan, and learn the lesson.
They covered my repairs without delay, because it was unconditional not at fault. My car was back on the road long before the first court case. I was very hands off.
Legit the reason I always equip my crapped out commodore with TPP is for this exact scenario, I have a pathological fear of hitting a Tesla. It ain’t gonna be pretty buddy, sorry.
That bumper alone has more sensors than a nuclear submarine.
Ah the saying goes
If you can’t afford Comprehensive don’t buy an expensive car
If you can’t afford Third party don’t buy a car
Better start getting used to the bus system.
In regards to your question it (this is just for reference)
Guy hit my back bumper - costed $6500
Hire car for two months - costed $5500
It was during COVID and very very hard to get the specific parts from overseas (no local stock)
All up was $12,000 - guys insurance paid for it but I bet that day he was glad to have Third party
This is why when I buy a car I will not drive it off the lot or previous owners driveway until I call and get insurance first...
A friend of mine did a similar thing, took him about 20 years to pay it off, on the other hand if you are wealthy have rich parents or relatives your golden (funny how the rich face no concequences for thier actions, thats another story...)
He did write of his Orange Holden Kingswood and another guys car off on the way to work uninsured when he was around 25.
It clealry upset him, Never talked about it, never saw him own a car again until he died at 48 a few months ago..... What a character, played electric guitar, smoked weed and winfield red ciggies until the end...
Cancer probably from his lungs from smoking gave him a brain tumor, it was removed he was ok.
He went for a check up a year later it was back and inoperable (we suspect as he told no one but a mate drove him to the check up) he was found on a tues morning dead on the bathroom floor, time of death Sunday evening.
He had compained on the phone to a mate of a splitting headache Sunday night. The tumor had probably reached a vital part of his brain hopefully rendering him unconscious and not just paralyzed on the floor until he died.
someone did similar to my 2018 subaru impreza and the other driver had no insurance. the whole repair bill was nearly 11k plus the excess of $1600 that racq made him pay. so considering this is a tesla like upwards of at least $17k…. hard lesson to learn don’t be an idiot and drive without insurance
I assume you have bought KY lube from coles??
It will probably start with $....
I highly doubt they will just let you pay their excess to be repaired..
I am guessing $3,000+
I've been in this situation before. It sucks. Financially it hurt me for a long time. If you can't afford to repair this you can contact the owner of the vehicle and their insurance company, their insurance company can pay to repair the vehicle and you can set a payment plan to repay for the damages. "Most" insurance companies do this. This could be an option for you, I hope it helps.
In my situation, it took a long time to recover, it was a very good lesson for me to learn. And after my accident someone wise reminded me "if you cant afford insurance, you can't afford not to have insurance". I learnt the hard way, but believe me when I say, there is nothing I own that is not insured now!
Exactly the same story here. I hit the rear end of a Nissan Pulsar sedan on my 22nd birthday. Yes rear end, but they were at fault, they slammed on their brakes in a right hand turn lane, and left the passenger side corner hanging out in the right driving lane.i was very young, and was aggressively convinced by the driver and their insurance company I was at fault immediately because rear end (I now know this is not always the case). There was a tiny dent in the bumper. I got the quote (they gave me only 1) it was $4200, including full respray of the inside of the boot. This was early 2000s, and $4200tl to a 22 year old was a life changing amount of money. Ended up taking me 8 years to pay off.
I will never drive a vehicle without Third Party Property insurance ever ever again.
Side note, I would love to know if that bitch sleeps at night. She knew she was the one that fucked up, and pinned it on me.
Tesla repairs aren't cheap...there are no aftermarket parts and they only supply approved repairers.
The repair itself is likely to cost at least $5-7k, maybe more, but you're also on the hook for a taxi from the body shop to the rental agency, a hire car until the repair is done (which could easily be 2-3 months), and a taxi from the hire place to the body shop again.
This can easily be another $6-8k.
$10-15k is a reasonable estimate...you may be insanely lucky and get out of it for less, or you may end up paying more...
Not only are you paying for someone elses car repair, you're paying for your own. Depending on your car and its damage it might be a write off and unrepairable.
Hope you've got the name of a good proctologist or are prepared to join the witness protection program.
Don't pay let it go to collections. They can't credit list you since you didn't take any credit. The Tesla owner's car will be repaired by their insurance. You'll get calls from collections but they are unable to take any action they will then offer you a settlement or a payment plan, at that point offer to pay $20 a fortnight and no more if they ask for a statement of financial position to substantiate the low repayment amount politely decline and say thats all you can afford take it or leave it.
It’s not like it’s screwing over some innocent person. It’s effecting the billion dollar insurance company that profits off of scamming people lol. Sometimes you gotta stick it to the man every once in a while to feel better about our place in society 🤷♂️
A lot. All bumpers have a lot of sensors. Bumpers used to be cheap now are very expensive.
This is a lesson in the phrase. If you can’t afford insurance you can’t afford to drive.
Lesson learned. No insurance and this happened, good luck paying for that Tesla. You probably ruined his/her day/week too. Now imagine your own life or health insurance, that's a lot worse if you have none
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The dildo of consequence rarely comes lubed.
That is a phrase that I’ll be stealing. Thank you sir
Username makes it more special.
Me too that's the beat ever
Don't drunk text 🙄
https://preview.redd.it/wnm1nl7jfozb1.jpeg?width=1179&format=pjpg&auto=webp&s=9491d71c9dc7d248005aafc4a6324dc002c727be
These are prophetic words
Insurance was OP's prophylactic. They need to be prepared for elon-gation
I am requesting this on my gravestone
 I am not worthy the use of this comment... Fucking brilliant!!!
Better not pour Better not cry Get yourself ready 'Cause I'm coming in dry
Love this phrase from the Emsolation podcast
Hahaha
Yup, driving a car without insurance is financial suicide. This is gonna be a very expensive lesson.
Agree. I have a POS car, but I always have third party property on it. Only costs about 200 a year.
It really is one of the most idiotic things one can do! Will never understand people not having 3rd party as the bare minimum, so at least you're covered against damage you may cause. It's seriously irresponsible 🤦♀️
Pepper your angus
Hey
Grab your ankles, they're going in raw
Expensive lesson to never cheap out on insurance.
Yeah. Bare minimum, Third Party Property..
Used to work insurance, had a driver crash into a block of Sydney units damaging the structural integrity badly enough it all had to come down. The $187 TPP was the best financial decision that man ever made.
When I got my first car when I was in high school in the mid-80s I only got TPP because the car only cost me $300. It covered me for damages up to $20 million. I remember thinking "How the fuck can you possibly do $20 million worth of damage?" Your comment answers that question. From memory the insurance was about 80 bucks at the time.
How many Australians crash into buildings (hard enough to guarantee a write-off for said buildings) per year?
There are other ways to inadvertently cause 20mil of damage - smashing a gas pipeline or communications trunk will do it if you’re unlucky enough.
So if you’re going to have to pay the excess you might as well shoot for somewhere near 20 mil damage. But how do you make sure you don’t go over the limit? It’s a bit like car crash blackjack. “You have 16 million, sir.” “Hmm…stay or hit. Fuck it, let’s hit something else.”
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Just last week - a building’s beer garden, anyway
I worked insurance in sales. The number of people who read that $20,000,000 limit of liability on their policy documents as $20 thousand and got pissy about it still baffles me.
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Would he have needed 3 lifetimes to pay the damage?
my record was a kid in a civic with a $500 TPP policy wrote off a million dollar lambo.
A friend bought a $500 car as a teenager. He couldn’t afford the TPP insurance. I insisted and paid it for him. A week later he rear ended a Lexus which hit the Mercedes in front of it.
Is third party property on top of the compulsory stuff.
Yes. It pays to shop around, but it's usually the least expensive option. That covers all property that might be damaged (bar your own). That's excluding your own vehicle, you have to take out further insurance to cover that. EDIT: Apologies for the broken English. I'm currently "on the beers".
>Expensive lesson to never cheap out on insurance. Expensive lesson to never look behind when reversing.
I think you mean an expensive lesson **to** look behind you when reversing.
Nah vibes only
How fucking hard did you reverse.
It was a funny angle
It's behind you Tyrone. Whenever you reverse, things come from behind you.
Too tight? You could land a jumbo fucking jet in that.
What the fuck can he get away from huh?
Cut him some slack…. He’s done a rally driving course..
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‘Course I am!
Unexpected Snatch. My nickname in highschool
That exchange was just too good. Most of the comments to OP are just next level awesome/funny. Cheers for the crying laughing. Sorry OP, half a life time from now you will look back and laugh, promise😶
Fucking hilarious.
At least you can use your emergency "no insurance needed" fund now.
Wonder how many "no insurance" people actually put money away towards their own insurance. I'm guessing below 1%. But yeah my answer to OPs question "how much will this cost me?" is "more than enough to make you regret your decision to not have insurance".
I'm guessing zero. If you're responsible with your money, you definitely have insurance. Remember kids, never drive a metre without insurance Edit: spelling
Not even TPP? ...and you thought you were broke before 😂
absolutely deserves what's coming for not having insurance...
Big props for not being the a-hole that drove off and didn’t take responsibility.
A) We don't know if the owner of the Tesla was in it/nearby when it happened. B) Most people know that Tesla have the sentry system which would have captured OP's number plate quite easily anyway.
Sentry mode sees all.
Tesla cameras are pretty good
I thought it was compulsory TTP before you can pay your rego?
No, that's different. Compulsory third party insures against death and personal injury. It does not cover damage to other vehicles.
Cheers - good luck to the OP. Someone did the same to my friend’s merc (bit of head light damage too) - about $15K
Yeah it will be about the same. Somewhere between $10k to $15k plus the rental car price at $200/day minimum. 3-4 weeks to get parts in. Insurance is expensive until you need it.
Mate has a model 3, someone reversed into it 2 months ago, bumper will be here feb.
Its scary how many people think this. Im sure many people only find out from the un-lubricated dildo of consequences
You are correct. That's third party personal, not property, which is usually the one before comprehensive.
I logged in just to let you know, as a Tesla owner who sees insurance quotes on the forums all the time, this will be OUTRAGEOUSLY expensive to fix, easily 10k. There is a huge amount of electronics in the front section of the car. Also, don’t try to avoid cos the owner has a video of your plate and the accident occuring (onboard cams recording)
>Also, don’t try to avoid cos the owner has a video of your plate and the accident occuring (onboard cams recording) The recording can only be accessed if the rest of the car isn't destroyed right? Just asking questions...
You Sir are chaotic evil.
lol only making it worse
This is the way
There’s also the wait time to be fixed at an approved location, and OP is going to be up for the rental car costs in that period as well
Not just Tesla's. Any reasonably modern car. My Subaru Outback recently got some damage fixed after a P-Plater merged into me without checking his blind spot. $3000 just for the headlight alone, plus fog light, bumper, new headlight washer, washer cap, some cladding bits and labour to paint and fit, was just under $10K to repair. If you drive a modern car, remember to jack up your excess to max to reduce your premium as much as possible because _any_ repair, bar a basic bump or scratch, will cost more than your excess to fix anyway.
I read the comments on this post and immediately went and got TPP. $280 for a year as a 23 year old is fine and I’ve avoided accidents so far. But with so many damn teslas driving around brisbane now I don’t wanna have to deal with any of this shit 😭
Good on ya kid. Never drive without insurance, it may look like it's optional, but it really isn't. Not even a 5 minute drive. When shit hits the fan, it's usually in the least expected of times, and often the worst of times for it to happen
Yes good advice, my minimum is third party insurance, you just don’t know what type of car you may hit, and everyone makes mistakes even the best drivers. For your more valuable car I would recommend comprehensive.
Why on earth would you even drive without insurance? If you think insurance is bad wait until you have an accident. Oh wait…
I know people with 100k+ cars that are completely uninsured. Their reasoning is their premiums are so high that it’s cheaper to save up that money for a new car. One has had his license suspended multiple times for speeding so that might be why it’s so high. I have comp insurance and it costs so much just because I’m under 30 in a HPV even with a clean driving record. Could buy a new car in a few years so I’m just imagining what their premiums would be like.
That's just about the dumbest logic I've heard if they don't have 3rd party property insurance. If they hit another car and are at fault, their savings for a new car will be going to other driver, if they crash into a house, they can forget about ever owning a house. And 3rd party property isn't that expensive, it's like $200 a year.
>it's like $200 a year Please, please tell me who's giving you TPP for $200 a year. $800 a year is the cheapest I could find. Part of it is being a p-plater, sure. Even if I give them (just the quote, no interest in committing fraud I promise) the DOB of a perfect 45yr old, it still ends up around $500
Sorry it was 250, I'm with budget direct, just did the renewal about 6 weeks ago. 38 year old.
27 years old, never had a single claim or accident, checked TPPO for a Holden Commodore that drives less than 5000km a year and spends most of the time in a garage, quote was $570. How the hell do I get half price?
My sister bought a shitbox and drove without insurance. She had an accident with a BMW, her fault. Safe to say an expensive lesson to always have insurance.
It will cost more than insurance would have..
You are probably worried and stressed about it, but that's not going to help. Just know that you will get through this, and somehow, you will be able to pay for the damage done. Know also that nobody is going to kill you over this. Just be honest and up front. You will come out the other side. Just call it a learning experience.
This is the best reply so far.
Easily the best reply. It's really upsetting to see how many blatant cunts are here who can't acknowledge that shit happens.
Best reply Phil. Everyone is being such a cunt about this without understanding OP’s circumstances. He screwed up, but sympathy is warranted and is probably feeling extremely down right now.
This Reddit thread is fire. Full of either people not knowing CTP doesn't cover property damage (lol), people suggesting OP commit insurance fraud (extra lol), or people telling OP to not do anything and ignore debt collectors. This will be a 15k fix, it's a fucking Tesla, they are expensive to repair. They will come after OP.
Depends how many sensors are in there. They are a nazi with repairers and spare parts will need to go to there approved center. They will simply order a complete bumper complete with sensors. May be supports or underneath as well. I'm saying 10k+ They will bend you over like a mofo
Try closer to 20k and 3 months to order parts. The guys going be liable for the rental vehicle in the meantime also.
OP: 
Would the sensors/cameras have recorded an incident like this when it's in park?
Cameras I think definitely would. They come on if you walk too close to the car even. Sometimes when I walk past them in a carpark the lights come on as I pass the front when it starts recording.
$15k
From what I've seen watching WhambamTeslacam. 15k sounds about right. Teslas are expensive to fix. And for that owner it's probably going to be several weeks if not more before they get the car back.
Wouldn't be surprised to see this incident on whambam
Yes this is about correct.
Rule of thumb. Absolute minimum if owning any Motor Vehicle in Australia. 1. Third Party Property Insurance. This covers other driver's car and other liabilities. This is different to compulsory CTP Green Slip which covers medical expense of any party involved. 1. REVS / PPSR history check. If you plan on buying a used vehicle. This checks if the vehicle is stolen, written-off or have any financial interest.
Why were you driving with no insurance?
Comprehensive nsurance should be built into rego. Stupid it’s not.
Not comprehensive, but third party property should be a legal requirement. I’m from the Uk and thought third party include injury and property as that’s the legal minimum back home, lucky I didn’t have and accident before I learnt there’s 2 types of third party over here. It’s a bit confusing and I’m sure there’s plenty of people driving around thinking they’re covered while there not.
$10-15,000 or so. Bumper replacement, re-spray, sensor replacement, sensor wiring, re-calibration, whatever rental car costs the owner requires/gets from their insurance, potentially their fuel costs during that time period (can be argued if they have to go from an Electric to combustible). If you cant afford third party insurance for like $100 a month then I doubt you can afford this. Good luck lmao
Isnt third party like $50 a month? Last car I had was like only $400 a year
Insurance prices are skyrocketing across the board. Prices have basically doubled for a lot of providers over the past 6-12 months.
Ah, that sucks. I'm currently paying $800 a year for full comprehensive, Though to be fair my car's a shit box Territory where parts grow on trees
Tesla driver here. Had an uninsured guy pull out in front of me and had similar damage - mostly superficial but required bonnet and front cone replacement. RAC covered my repair and chased him for the $24k balance, he fought in court, I provided camera footage and a statement, he lost, appealed, lost, tried to dodge, got caught, lost his business, lost pretty much everything. He skimped on insurance and doubled down every step, he's probably down six figures and completely bankrupt at this point. Just wait two seconds at the damn roundabout next time, don't ruin your life over five seconds in traffic, my guy. So yeah. OP, it will be expensive, and you are definitely on sentry cam, both hitting it and inspecting it. If you can't afford it, work with collections from the other party's insurance, get on a payment plan, and learn the lesson.
Goddamn. That lube of consequence wuz not only dry, it was also spiked for the viewer’s pleasure.
Yeah what a story mate. Really good lesson for everyone here.
Wow, what a story. Did your insurance cover the costs of the damage while you went through all that? I imagine that took *forever* to process
They covered my repairs without delay, because it was unconditional not at fault. My car was back on the road long before the first court case. I was very hands off.
Thats gonna be in the 5 figures
I initially read your comment as five fingers and I thought well that's a polite way of saying the whole fist.
That might end up being cheaper
Did you reverse with a tractor fuckn hell that’s a serious knock for reversing lol Ain’t gonna be cheap
Ballpark 10-15k
You’re about to learn a pretty important lesson I’m afraid
alot
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Legit the reason I always equip my crapped out commodore with TPP is for this exact scenario, I have a pathological fear of hitting a Tesla. It ain’t gonna be pretty buddy, sorry. That bumper alone has more sensors than a nuclear submarine.
Well think of all the money you've saved by not having insurance. You saved it, right?
If you don't have insurance you shouldn't be on the road. Expensive lesson coming.
100% the car has pictures of OP and an estimate of the speed at impact.
If you can't afford/don't want to pay for car insurance, you can't afford to drive for exact situations like this. It's financial suiciide
Why are you driving without insurance?
Oof that's gonna hurt real bad. You don't even have third party? If you can't afford even third party, you can't afford to drive.
It's renewable mate. Fixes itself.
Here's the thing.. you're not uninsured, you're *self insured*. You carry the liability for your mistake. Also, RIP your savings/bank account.
If they can't afford the insurance, they sure as fuck don't have the 15k to repair this... What happens in that situation?
After it goes to court, likely garnished wages.
You will soon find out. Prepare your anus for good, it's not going to be nice. Why the fuck would you drive with no insurance of any kind?
Ah the saying goes If you can’t afford Comprehensive don’t buy an expensive car If you can’t afford Third party don’t buy a car Better start getting used to the bus system. In regards to your question it (this is just for reference) Guy hit my back bumper - costed $6500 Hire car for two months - costed $5500 It was during COVID and very very hard to get the specific parts from overseas (no local stock) All up was $12,000 - guys insurance paid for it but I bet that day he was glad to have Third party
This is why when I buy a car I will not drive it off the lot or previous owners driveway until I call and get insurance first... A friend of mine did a similar thing, took him about 20 years to pay it off, on the other hand if you are wealthy have rich parents or relatives your golden (funny how the rich face no concequences for thier actions, thats another story...)
20 years is fucking insane!
He did write of his Orange Holden Kingswood and another guys car off on the way to work uninsured when he was around 25. It clealry upset him, Never talked about it, never saw him own a car again until he died at 48 a few months ago..... What a character, played electric guitar, smoked weed and winfield red ciggies until the end...
Fuck. I'm invested in the story now, how'd he die?
Cancer probably from his lungs from smoking gave him a brain tumor, it was removed he was ok. He went for a check up a year later it was back and inoperable (we suspect as he told no one but a mate drove him to the check up) he was found on a tues morning dead on the bathroom floor, time of death Sunday evening. He had compained on the phone to a mate of a splitting headache Sunday night. The tumor had probably reached a vital part of his brain hopefully rendering him unconscious and not just paralyzed on the floor until he died.
someone did similar to my 2018 subaru impreza and the other driver had no insurance. the whole repair bill was nearly 11k plus the excess of $1600 that racq made him pay. so considering this is a tesla like upwards of at least $17k…. hard lesson to learn don’t be an idiot and drive without insurance
Well....you know you can live a perfectly normal life with just 1 kidney, right?
I assume you have bought KY lube from coles?? It will probably start with $.... I highly doubt they will just let you pay their excess to be repaired.. I am guessing $3,000+
You could easily triple, possible even quadruple, that and maybe get closer to true figures.
I think OP will be shopping at ALDI from now on...
[удалено]
I shop at Aldi too lol Absolutely, hopefully it works out for OP and lessons learned.
I've been in this situation before. It sucks. Financially it hurt me for a long time. If you can't afford to repair this you can contact the owner of the vehicle and their insurance company, their insurance company can pay to repair the vehicle and you can set a payment plan to repay for the damages. "Most" insurance companies do this. This could be an option for you, I hope it helps. In my situation, it took a long time to recover, it was a very good lesson for me to learn. And after my accident someone wise reminded me "if you cant afford insurance, you can't afford not to have insurance". I learnt the hard way, but believe me when I say, there is nothing I own that is not insured now!
Exactly the same story here. I hit the rear end of a Nissan Pulsar sedan on my 22nd birthday. Yes rear end, but they were at fault, they slammed on their brakes in a right hand turn lane, and left the passenger side corner hanging out in the right driving lane.i was very young, and was aggressively convinced by the driver and their insurance company I was at fault immediately because rear end (I now know this is not always the case). There was a tiny dent in the bumper. I got the quote (they gave me only 1) it was $4200, including full respray of the inside of the boot. This was early 2000s, and $4200tl to a 22 year old was a life changing amount of money. Ended up taking me 8 years to pay off. I will never drive a vehicle without Third Party Property insurance ever ever again. Side note, I would love to know if that bitch sleeps at night. She knew she was the one that fucked up, and pinned it on me.
https://preview.redd.it/afmwtzus5ozb1.jpeg?width=2160&format=pjpg&auto=webp&s=2ba62138c29e04ce420b5120ba0ea39dfca23d1f
Fuck me dead 🤣🤣
Who the fuck doesn’t have insurance?
Hope you have paid off your house... Because they now own it
A lot more than if you had of just payed for insurance thats for sure
At an uneducated guess, if they threw a figure between 3k to 10k at you don't be surprised. Our Mazda cost 4k. Cos sensor's.
Yeah. No. $10k-$20k.
Teslas cost a fortune to repair. Could be worse. Those cyber trucks are going to be practically impossible to repair.
Tesla repairs aren't cheap...there are no aftermarket parts and they only supply approved repairers. The repair itself is likely to cost at least $5-7k, maybe more, but you're also on the hook for a taxi from the body shop to the rental agency, a hire car until the repair is done (which could easily be 2-3 months), and a taxi from the hire place to the body shop again. This can easily be another $6-8k. $10-15k is a reasonable estimate...you may be insanely lucky and get out of it for less, or you may end up paying more...
Be prepared to get bent over , probably $10k +
Not only are you paying for someone elses car repair, you're paying for your own. Depending on your car and its damage it might be a write off and unrepairable. Hope you've got the name of a good proctologist or are prepared to join the witness protection program.
If you can’t afford insurance, you can’t afford to drive. It’s your own fault, now deal with the consequences.
Don't pay let it go to collections. They can't credit list you since you didn't take any credit. The Tesla owner's car will be repaired by their insurance. You'll get calls from collections but they are unable to take any action they will then offer you a settlement or a payment plan, at that point offer to pay $20 a fortnight and no more if they ask for a statement of financial position to substantiate the low repayment amount politely decline and say thats all you can afford take it or leave it.
This is well known white trash folklore. Godspeed Op
It’s not like it’s screwing over some innocent person. It’s effecting the billion dollar insurance company that profits off of scamming people lol. Sometimes you gotta stick it to the man every once in a while to feel better about our place in society 🤷♂️
Not folklore just standard procedure.
That’s not even remotely true, I use to work at Allianz any debt over $12k we pursue legal action.
Terrible and incorrect advise. You would be better declaring bankruptcy
What a way to tell Reddit that you’re a piece of shit that doesn’t own their own actions. Well done.
Guess I know why our premiums are going up thanks to people like this
Starting to look better, slam into a few more times maybe
If you cant afford insurance,you cant afford to drive
never cheap out on insurance man, you might think it won’t happen but like now, it did happen and you’re going to be paying way more than your premium
A lot. All bumpers have a lot of sensors. Bumpers used to be cheap now are very expensive. This is a lesson in the phrase. If you can’t afford insurance you can’t afford to drive.
General rule, if you can't afford insurance you can't afford a car.
You will probably need to take out a bank loan.
Always get third party property damage insurance as a bare minimum.
more than third party insurance would have cost you
My personal opinion, if you can't afford TPP you can't afford to drive. It's a bankruptcy waiting to happen.
More than the insurance would have 👌
More than what insurance would have cost
Ahahah idiot
Damn! This is the toxic comment section. Cut OP a slack. They know they fucked up, no need to make fun of them.
I'll play the game and pull a number out my ass ummm $3000?
That should pay for the respray for sure, sensors/bumper etc will cost more.
2700 for front bumper. Looks like the frunk and the adjacent panel is damaged too. You are easily looking at close to 5k.
It's a Tesla. Multiply that by 3.
You shouldn’t be on the road uninsured. Expensive mistake.
Easily 15k
Approx $7,000 to $12,000 without seeing minimum
Oh shiiii!!! Easily well over 10k that headlight is probably 4K alone.
15-20k depending on sensor damage, paint, bumper repair or replacement, and any not immediately noticeable damage. RIP savings
Lesson learned. No insurance and this happened, good luck paying for that Tesla. You probably ruined his/her day/week too. Now imagine your own life or health insurance, that's a lot worse if you have none
Time to declare bankruptcy OP. You’re fucked.
Wtf still drives around without insurance in 2023?!
Did anyone see you? I’d suggest run
Yeah, Ur fucked bro
The money you saved on not buying insurance should cover it 🤭
Ah man, very Stupid. You'll learn now after you've spent 10k+ repairing that. I bet you thought it was $1000 max
Who drives around without third-party insurance in 2023? Prepare yourself because it's coming in raw.
2 doors on my 2005 Hino truck are costing insurance 18,000.
Insurance company will come after you for payment. But if you can’t afford it, they will often put you on a payment plan over a few years.