Power Raid
We Exist To Win Premierships
Ok i didn’t know that, But how would they determine wether being over .05 cause an accident or not?? I thought in regard to third party part, they sue the driver?
it's impossible for insurance companies to prove and even if they could, they don't have the power to decide. That's a matter for the courts and the ombudsmen.
At the end of the day insurance is a cost plus model and they want claims. That way they can justify their premiums.
I found it absurd when I found out how it worked. A druggie was stoned out of his head and side swiped me. I was under the impression a drug fkd driver who was so stoned couldn't speak without that drug fkd slur, would automatically be 100% at fault.........but sadly no. My insurance company waived my excess, only because they made an error otherwise it would have been equal fault.
I questioned my mum, who worked 40 years in insurance and that's when she explained how it worked.