ConsumerTalk with Wendy Knowler

Third-party car insurance cover and why it's sometimes just not worth it

If you’re not to blame for the damage caused to your car by another motorist, it’s natural to expect the other party - or their insurer - to pay.

That’s only fair, right?

This week on Consumer Talk, consumer journalist Wendy Knowler explains why it can be better to claim on your own car insurance even if you were not to blame for a fender bender.

For starters, says Knowler, the other parties insurance firm owes you nothing.

Yes, you have to pay the excess and lose your no-claim bonus, but dealing with someone else’s insurance company as a third party can be the most frustrating, time-consuming exercise. For starters, you have no contractual relationship with someone else’s insurer.

Wendy Knowler, Consumer journalist

Malcolm from Durbanville was hit from behind by another motorist while stationary at a red traffic light.

Two months later, he’s still driving around in his damaged Toyota Tazz, because he doesn’t have R18,000 to fix it.

He's been liaising with the other driver's insurance company for weeks, without much luck.

I’ve completed and submitted numerous forms and sworn affidavits, together with photographs of the damage to my vehicle and quotes.

I have now been informed by the broker that because their client paid for his own damages and made no claim against the insurer and because their client stated that his ''brakes failed'', the insurer assumes that his vehicle was not roadworthy.

Malcolm, listener

Because of this, Santam says that its client has no claim against his policy and that Malcolm would now have to take the other driver to court for damages.

They provided Knowler with the following statement:

“Brolink are still in the process of considering the claim for our insured. Brolink has requested the insured to furnish it with certain information, which it is yet to receive. It should also be noted that the third-party claim has not yet been rejected or accepted, as our insured’s claim is still being validated.”

Listen to the full conversation below:


This article first appeared on CapeTalk : Third-party car insurance cover and why it's sometimes just not worth it


Recommended

by NEWSROOM AI
Read More
Used-car buyer? Save yourself a world of pain by asking this one question

Used-car buyer? Save yourself a world of pain by asking this one question

Wendy Knowler says dealerships don’t do much to explain how you may unknowingly void your warranty and service/maintenance plans.

Claimed a few times of late? Consider another insurer before they dump you

Claimed a few times of late? Consider another insurer before they dump you

It’s best to jump before you are pushed. It’s "catastrophic" if that happens, warns consumer journalist Wendy Knowler.

[LISTEN] Why 'gendered' products might not be as ridiculous as they seem

[LISTEN] Why 'gendered' products might not be as ridiculous as they seem

A new study claims using products which are overtly masculine or feminine increases your desirability to the opposite sex.

[LISTEN] Why you should always check the validity of your contracts

[LISTEN] Why you should always check the validity of your contracts

Consumer journalist Wendy Knowler details two complaints from Vodacom customers who were locked into the wrong contracts.

How to buy a new car even if you don’t really have enough money for it

How to buy a new car even if you don’t really have enough money for it

South Africans are increasingly buying cars they can’t afford using balloon payments, says consumer journalist Wendy Knowler.

Popular articles
Investigating SA's captive lion breeding industry and the lion bone trade

Investigating SA's captive lion breeding industry and the lion bone trade

Richard Peirce discusses his documentary 'Lions, Bones & Bullets', which follows the trade to the Far East.

'I think govt exists for the most vulnerable' - Midvaal mayor Bongani Baloyi

'I think govt exists for the most vulnerable' - Midvaal mayor Bongani Baloyi

Baloyi became SA's youngest mayor in 2013. He talks about 'being born into politics' and the principles that guide him.

No load shedding expected on Sunday says Eskom

No load shedding expected on Sunday says Eskom

Load shedding has been suspended for Sunday, but the system remains 'unpredictable'.

Open day season: How to choose the best school for your child

Open day season: How to choose the best school for your child

Parenting expert Nikki Bush has valuable pointers on what to keep in mind when matching your child to a school.

Zuma returns from Cuba, addresses 'hundreds' of supporters

Zuma returns from Cuba, addresses 'hundreds' of supporters

Former president Jacob Zuma arrived at OR Tambo International where supporters waited to give him a hero's welcome.

[WATCH LIVE] Joseph Shabalala's funeral service underway in Ladysmith

[WATCH LIVE] Joseph Shabalala's funeral service underway in Ladysmith

The music icon and Ladysmith Black Mambazo founder is being laid to rest in his home town in KwaZulu-Natal.

Load shedding to be suspended at 5pm, resumes on Sunday

Load shedding to be suspended at 5pm, resumes on Sunday

Eskom says 'improved generation system performance' will allow it to suspend load shedding at 5pm on Saturday.

[WATCH] Ndlovu Youth Choir's moving 'Homeless' tribute to Joseph Shabalala

[WATCH] Ndlovu Youth Choir's moving 'Homeless' tribute to Joseph Shabalala

The Ladysmith Black Mambazo founder will be laid to rest in Ladysmith on Saturday.

'High possibility' of load shedding continuing throughout Sunday

'High possibility' of load shedding continuing throughout Sunday

Stage 2 power cuts are scheduled until 6 am on Sunday, but Eskom says this could be extended.

 'When languages are being let go of in favour of English, we lose identity'

'When languages are being let go of in favour of English, we lose identity'

Joanne Joseph spoke to Play Africa founder and CEO Gretchen Wilson-Prangley on International Language Day.