yeah,same here.Both cars got wrecked.My 6 airbags all out.the
other driver's one nth.thats what my parents and elders told me
too,like insurance will settle.we just pay the higher premium next
time.But in this case,its our fault (your sister's fault) right?How
would that affect the insurance?coz i don't really understand the
insurance and workshop stuff.
The car was my dad's but the insurance covered all drivers in
our family including me. Yes, no more discounts on insurance is one
thing. Including this incident, my dad chalked up another 2 more
claims under the same insurance company, 1 of them not being his
fault, cabbie driver whack his backside of his new car after the
above one got written off.
His premium now machiam same as any young driver, coz the
company not happy he claim 3 times in under 8 months. So his new
car although COE record low, his insurance is record high.
My sister probably fared worse, when that accident occured, she
was still a probationary plate driver, left few months to go. Now
she think twice about driving out late at night.