com. NRMA Insurance. NRMA Insurance provides car insurance, home insurance, business insurance, travel insurance, motorcycle insurance, boat insurance, caravan insurance, life insurance, income protection and security in NSW, QLD, ACT & TAS. Lodge a claim under your own insurance and tell them the details of the at fault party, or if you don't have your own insurance you'll need to send a letter of demand to the at fault party. “The at-fault insurance company rang me and confirmed all the details and they approved it within days, the identical claim to what we put through the NRMA,” she said. However, they can't refund the excess unless they can identify the driver. Usually, the situations where an insurer will waive the excess aren't as straightforward as not being at fault for the accident. When you make a car insurance claim, you have an agreed amount which you pay – called an excess. Unidentified or unregistered vehicles at fault. This page has information about responding to a claim if you were in a car accident and the driver or owner believes it was your fault. Indians. How much you pay depends on your insurer and the state you live in. NRMA never tried to make contact with the at. In some cases you’ll be asked to pay the excess to the repairer or supplier. Some policies do not require an excess for some types of claims, like windscreen damage. Its a not at fault claim, and NRMA have said they don't accept claims for such a small value. Depending on how they treat not-at-fault claims and the excess, it may be worth claiming and let them chase the other party. Get a hire car for up to 21 days (up to $75 a day) if you are unable to use your vehicle as the result of an incident. Select from the following options. If you make a claim, the excess is generally payable. Those weren't even at fault claims, even if NRMA didn't pay you out you still had recourse by going through court. Up to 14 days for at fault accidents. We're here to help. On the 15th June, I was sent an email from NRMA to let me know that they had looked into my claim and determined I was not at fault and there would be no excess to be paid and gave me the details of the repairer. 3 We will arrange a rideshare hire vehicle until the vehicle is repaired or claim. It is also indexed - even though it probably doesn't need to be - it still is. up to $100 per day (to a maximum of 1,000 km per week) after a not-at-fault incident if your vehicle cannot be driven 3. . Up to $500 if damaged or stolen. If the insurer chooses cash settlement the policy ends as there is no longer anything to insure, it's not a cancellation. 1300 317 530 (8:30am–5pm, Mon–Fri) Glass damage only. About this app. You should immediately see an attorney that handles plaintiff's personal injury. I have had a couple of other claims in my 35 yrs with NRMA that were not my fault – other drivers hitting my parked car. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). For home policies please read our Home Key Facts Sheets (KFSs) which set out some of the events/risks covered and not covered by our home policies and other information. NRMA Insurance provides car insurance, home insurance, business insurance, travel insurance, motorcycle insurance, boat insurance, caravan insurance, life insurance, income protection and security in NSW, QLD, ACT & TAS. She was at fault, has NRMA comprehensive car insurance and her car was a total loss. I can't speak re NRMA but I am with Budget Direct and I had a claim in October last year, at fault, a listed driver at the wheel, not me. At 65% you're on the maximum NCB and If you have no prior at fault claims, you may be entitled to one free at-fault claim a year without affecting your premiums. Previously with NRMA/IAG insurance full comprehensive with policy ending on the 13 Jan. Let’s see how this works: Amount of NCD Accumulated (for Private Cars) NCD After 1 st Claim. Yes - standard excess. CTP At-fault Driver is extra cover we automatically provide with your NRMA Compulsory Third Party (CTP) Insurance during your motor vehicle registration period. Information on what you can claim for (eg weekly payments and medical expenses) and how to make a claim. Depending on the details of the incident, you may have to pay more than one. At-fault motor claim in last 2 years; Demerit points; Years of relationship; Other motor vehicle insurance; Vehicle safety features e. Sydneyswans on 28/12/2022 - 13:26. 5% when you hold it for more than 25 years. I authorise NRMA Insurance to give to, or obtain from, other insurers or any insurance reference bureau any information relating to: • any claim made by me, or • any insurance held by me. If you'd like more information on making a CTP claim, we've made videos to help. Our vehicle was deemed as a total loss as a result of a not-at-fault accident. NRMA Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Wild dashcam footage clears driver from at-fault claim by NRMA. Injuries can be covered by your mandatory CTP Green Slip. Get Australia-wide coverage for less than $86 a year, with no joining fee. Usually, after storing the claim, glass repair can be programmed within the week or a little longer if you need factory OEM glass. Complete and sign the MANF/MAMR form and either email, post or lodge it in person with your CTP insurer, the identified at-fault insurer, or the Nominal Defendant (in cases where the at-fault vehicle is unidentified or uninsured). NRMA car insurance came in third place in NSW for Customer Satisfaction in 2023. If you weren't the at-fault driver in an accident and you provide us with the at-fault driver's name and address, making a claim will not affect your No Claim Bonus (NCB). Last thing you want is a. If your standard excess is $500 you’ll pay that only. au Preparation date: 10 September 2023 Thank you for choosing NRMA Insurance. you'll need to send a letter of demand to the at fault party. Months later this car is undriveable still in the. Consumer alerts for unsolicited calls relating to compensation claims. 3/5 ( 17 votes ) Paying excess for a car accident that isn't your fault. We're here to help. With branches all across the country, we are. TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Generally, if you have: CTP Insurance, you’ll be covered for the costs of personal injury claims made against you in the event of a motor vehicle accident. Motorists can choose from one of the insurers when registering their vehicle. This means the 6 green slip providers offer essentially the same product. Information on what you can claim for (eg weekly payments and medical expenses) and how to make a claim. If you have an NRMA Comprehensive Car insurance policy, one of the first things to do is call us on 132 132 to start your claim. If the police will not or cannot provide the driver’s details. Just remember this is a one-off per policy period, and only available to customers who. Get a 10% discount if your car is recognised by NRMA as fuel efficient. Post on 22-May-2020. Germany. – Hire car after a not at fault collision or crash 31 – Hire car. Insurance. I can either go with them from the start or do my own claims with the at fault insurance not be able to decide afterwards whether to go with NRMA or the at fault company. ”. Start and track your claims, get a new quote or retrieve saved quotes, update. NRMA customer Jenny tried to lodge a claim with the insurer after the front of her car was clipped by a. We’ll pay for 21 days, until your car’s found and repaired, or until we pay your claim as a ‘total loss’ (whichever’s first). Add AAMI Roadside Assist to your Comprehensive Car Insurance for 24 hour unlimited roadside callouts in case of emergencies like flat tyres and batteries, lost or locked-in keys, and towing. Yes - standard excess. A wild crash has led to a “nightmare” insurance battle after a woman’s car was hit by another rolling vehicle. Hire vehicle or alternative transport after not at-fault incident Hire vehicle or alternative transport after theft. Contact NRMA. With AAMI, you can usually book a repair using the app or online. The decision can also be helped by any diagrams and. At-fault Driver Policy 02 Definitions 03 At-fault driver cover 05 Specified injuries and benefits 06. Hi Greg, yes our claims dept have advised the car is at fault in this scenario. This will keep your no-claims discount intact if you make one at-fault claim. NRMA lists death and all the serious injuries for which they pay benefits. • Covered for not at fault accident until claim settled • Optional extra for at fault accident for 14 days $75 per day Insurance for rental cars View more details. With NRMA Third Party Property Damage Car Insurance we cover damage to your car caused by an at-fault driver up to $5,000. Comprehensive car insurance covers the costs to repair or replace your car if it’s damaged or stolen and the costs of damage to another person’s car or property if you’re liable for an accident. . Ask the other driver to respond within a specific time, 14 days for example. Step 2. NRMA data analysis suggests the aggregate societal costs of road trauma are approximately $7 billion per year. Category: Documents. Applying for Early Payment for Medical Expenses B. Repair costs vary depending on the type of accident, and whether you’ve damaged someone else. Heck they "accidentally" insured me in Vic for 4 years too including a not at fault claim. cojoco • 6 min. Car & property damages. I was recently t-boned by another guy who went through a red light. Deliver car to you. Decide whether or not to claim on your policy. With an NRMA Insurance CTP Green Slip, you also get Driver Protection Cover – which covers you if you cause an accident and suffer. For 14 days of cover at up to $75 per day, NRMA charges $64, while ANZ charges $171. Trust. The options are: Classic Care, which costs $9. Issues in focus. Follow up an existing claim. You’re covered for the market value of your car, up to $10,000. The information above is not intended to give you advice about the legal position that will apply to you and whether or not you will be entitled to claim GST credits. 2. Need to make an insurance claim with NRMA? We’ll help you. User #202456 20446 posts. Click make. Read your PDS for conditions and exclusions. ABN 11 000 016 722 AFS Licence No. Crash with at fault driver Covered under 'Loss or damage (up to $5,000) to your vehicle'. This is all despite having 2 at fault claims on other vehicles with my NRMA policy in the last 5 years. Just remember this is a one-off per policy period, and only available to customers who have accrued a 60% no claims. Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. More information on At-Fault Driver Cover is available. Visit nrma. NRMA offers me $758 per annum which has similar policies like others with $800 excess and market value. First time making a claim, my partner has experienced a total lack of communication and lack of assessment in the claim from the start. Stay up to date and read tips on what to do if you've received an unsolicited call. To see if you're covered for towing, read the Policy Disclosure Statement (PDS) on our policy booklets page. ABN 11. 227681 trading as NRMA. No you don't need to fill out a claims form. NRMA. Insurance NRMA - Not at fault claim - comp insurance: 12: 2: AlexSyd Tuesday at 10:50 pm ausslav Yesterday at 9:11 pm: auss 4h: : Licence Fined for not turning right: 63: 1: jimmy145 2023-Jun-20, 6:39 pm Autonomous B. It scored 4. When I took the car to motorserve for an assessment as I was late for the appointment they refused to assess my car. Can I call NRMA and tell'em?. Car InsuranceIt will most likely stay on your record for 3-5 years. NRMA Insurance is part of the Insurance Australia. I have 15 policies with NRMA and have been a loyal customer for 18 years. If you file a not-at-fault claim, and your insurance carrier raises your rate, it would probably be in your best interest to start shopping for a new carrier. Call 1800 633 176 for claims inquiries in SA. You may not need to pay an excess if: You can provide the name and address of the person we agree is at-faultWild dashcam footage of a car crash involving several vehicles has been released as an Australian woman fights a “nightmare” insurance battle with the NRMA. TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. He was being really evasive about providing his insurance details, so eventually, I lodged a claim through my comprehensive insurance with NRMA. NRMA Insurance after Not at Fault Accident. First check to make sure everyone's OK and ring 000 in case of injury or hazard. - NRMA confirmed that at fault party has accepted responsibility that they were at fault. Seraphin7 on 14/12/2020 - 18:02 +3. Thanks SGIO highly recommend. Those not at fault with serious injuries are entitled to ongoing care and support for over six months, to help them recover. Some policies have time limits for claiming. I was dumb enough to undervalue the car to try and save premium. User #64128 333. Start a claim. issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. They've got every right to not pay you out. I received a letter from NRMA (the other party's insurer) stating that according to their member I was. Guided through the process. Comprehensive Plus. 2GB Credit: Supplied. Include the date to the form with the Date tool. If you are partly at fault you can still claim but your entitlement will be reduced by the extent of your contributory. Send your forms to the insurer of the vehicle most at fault. S. So whether you’ve had a car accident in NSW, QLD, WA, SA, NT, ACT, or Tasmania, and need to make a claim or you’d like a quote visit NRMA Insurance online 24/7 or call 132 132. payment under CTP Driver Protection Cover if the driver is . The more consecutive years you remain claim-free, the bigger your NCD, up to a certain limit. We walk around it, and the front left wheel is at an obvious angle. What I don’t like is insurance payment is getting expensive. i requested 3 quotes, NRMA refused repairing the car without my knowledge. CTP At-fault Driver is extra cover we automatically provide with your NRMA Compulsory Third Party (CTP) Insurance during your motor vehicle registration period. Alternatively, if you’re unable to access the forms online, you can claim by calling us on 133 723, Monday to Friday, 8. If you have an excess to pay. For example, in New South Wales, NRMA and ANZ both offer optional cover for a rental car in case of an at-fault accident and charge a flat amount. A no claims discount (also known as a safe driver reward, no claim bonus rating scheme or no claim bonus rating level) is a reward offered by some insurance providers to safe drivers. Clear as day wasn't my fault (have dashcam footage). It only takes 10 minutes to claim and you can get it started online. We need to collect, use and disclose your personal information in order to investigate, assess and pay your claim. If you’ve been involved in a not at fault car accident, Right2Drive may be able to assist you with a like for like accident loan car. For example, 'Rating 1' drivers haven't made a claim for the last five years (this is usually the maximum number). TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. 99 each month and comes with 50km of free towing in metropolitan areas and 100km in remote areas. Attach a copy of the quote you. Had I not had any at fault claims under my policy, my premium would have been close to $200 less with my new insurer NRMA claim to offer no claim bonus protection which I had, but I am stung in another way with the drop in agreed value. au. i have comprehensive insurance at an agreed value of $12000. Select from the following options. New for old replacement if your car is stolen or written off for cars less than 2 years old. 6. The letter was from the other party lawyer saying we needed to pay for the damages upfront. Problem: NRMA recommended I take the car to their authorised repairers. A “ fault ” claim is recorded when an accident is either: the driver’s fault. We offer this when you're not at fault. Could be Easter holiday delays. The NRMA Insurance CTP Policy number for the at-fault vehicle 3. pl/ReMiE8. Policy coverage. On this page. We can help you! The team at Carbiz will help you manage your insurance claim. Match case Limit results 1 per page. Report fraud. Service was amazing. Car insurance claims not my fault. NRMA and others also require the name and current residential address. Call 1800 032 220 to start your Compulsory Third Party (CTP) Insurance claim in NSW or QLD. If you believe the other driver was at fault, Legal Aid recommends you write a letter of demand, asking them to pay for your car and other costs. It doesn't matter if both of you are insured by the same company. pl/RdXdZI. CTP insurance is a form of personal injury insurance required by law. No need for you to have car rental on your policy as it is a not at fault accident. – The caravan or trailer being towed by the Vehicle was notAs the incident was not your fault, and if you got trouble with your car insurance company, you could run your case through the magistrates court immediately to pursue compensation against the other vehicle owner. We’re available over the phone. com. I understand that this claim may be refused if information is untrue, inaccurate or concealed. g. Change car details. Send a letter of demand. Foreign-Dress-5332 • 3 hr. These benefits are available regardless of who was at fault. Consider this feature when you buy your greenslip. 3y; View 9 more replies. Settling your dispute. With Comprehensive Insurance, we pay for your. We will work with NRMA on your behalf. Ensure that the info you fill in Nrma Claim Form is up-to-date and accurate. It depends on the type of claim and how the claim will be settled. Firstly, if an incident wasn’t your fault and secondly, if your car was stolen. To find out which excess type applies to your policy. Step two: enter your best email address. But if you have no NCB protection you MUST disclose that. AAMI cons claimed back all losses from the truck drivers insurance policy and company, so AAMI recovered their money. The Accident Management Claims Process will claim directly against the at-fault driver’s insurance and policy. CTP At-fault Driver Policy Claim form Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. “I'm sorry. • Complete a claim form. Comprehensive policies also include: Cover for loss of, or damage to, your own car in insured events like collisions. The tradie an ex policemen, claimed my neighbour was at fault so her Insurance company NRMA was asking her to pay the excess. 2 The discount usually increases each year you. In 2021 had a not at fault claim with work vehicle and it was a nightmare. I always had the car repaired at my choice of repairer with brand new parts from the manufacturer. Only NRMA Insurance now offers At-fault driver cover. If you aren’t covered or decide not to go through with the claim, it won’t affect your No Claim Bonus. Guided through the process. Add an option so you can make one claim per year that’s your fault without reducing your No Claim Bonus 7. Our local Aussie team is available now to help you. Phone. An NPR investigation has found that thousands of U. D727501 06/14. However, before the 2009 amendments to the Motor Accidents Compensation Act 1999, the driver. issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA. Service is available 24 hours after adding AAMI Roadside. They will assess the damage, forward a quote to the insurance company, and they will let you know when to bring the car in for repairs. Fact checked. This is often described as the market value or book value of your vehicle. Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. That includes dealing with a lack of transportation. • Pay your excess. Insurance is still one of those things where you get what you pay for. Vehicle was repaired within 5 weeks. An excess usually applies for most claims unless there's someone else we can recover the costs from, like the driver of another car who caused the accident. The process was very easy and had no issues at all. Some like Bingle (I think) will increase your premium even if you've had a not at fault claim. United Kingdom. We understand that a total loss claim can be unexpected. 8:44am Sep 6, 2023. This compares to an average annual premium of: $890 for an adult driver aged 45–65. The CTP scheme has been reformed and the types of compensation (and how to claim) depends on when your accident took place. Canada. Wee watch toward the pros and cons of NRMA's Comprehensive Car Insurance policy, as well as cover the exclusions, inclusions and potential cuts. This stays well clear of your own insurance policy and disposes of the need to pay your excess at any point of the claim. Each CTP greenslip in NSW provides exactly the same cover, regardless of insurer. A no claims bonus (NCB), or more correctly a no claims discount, is awarded if you don't claim in the latest policy year. Code of Practice. Your coverage and excess. Had taxi take me to hire care and back and was updated along the way. The not at fault hire car cover is available to all our Comprehensive policy customers, whether they have the hire car policy option or not. If you need (or think you'll need) more than two treatment sessions, it's important to submit a claim for personal injury benefits. The NRMA Insurance app makes it easy to check your policies and know exactly what you’re covered for. Did you claim all of them through NRMA or was it the other party's insurer? User #109894 19680 posts. In my opinion (and I show evidence) the other party was at fault, I had witnesses approach me immediately after the accident and offer their details. Get urgent assistance. The details of. WA’s ‘fault’ scheme only covers catastrophic injuries suffered by an at-fault driver if no other driver is negligent 9. Our Queensland-based team are here. Nothing is going to happen until you make the claim. The rest is covered by your policy. Income benefits will stop after 52 weeks if you were the driver mostly at fault or your injuries are threshold (minor) injuries. Italy. at-fault in causing the accident in which they were injured. 1. The details of the person driving the at-fault vehicle 2. CTP car insurance is compulsory in Australia, but it works differently in each state. Unfortunately those 3 accidents you had even though not at fault are still factored into your premium. ago. We may ask you to provide documents that help us assess and settle your claim, such as photos of the damage. Head to the AAMI website, navigate to the claims page and click, make a claim. Add an option so you can make one claim per year that’s your fault without reducing your No Claim Bonus 7. This initial AHRR form completion attracts a SIRA-gazetted fee of $35. To find your rating, check your current car insurance policy. 38K views, 80 likes, 0 loves, 542 comments, 9 shares, Facebook Watch Videos from NRMA Insurance: Who would be at fault in this accident scenario? Share your answers below. NRMA Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Subsequent AHRR s do not attract a fee and should be completed as part of the standard consultation cost. CTP car insurance is compulsory in Australia, but it works differently in each state. NRMA Insurance I've seen the answer and strongly disagree - I understand that was the point of the question,. Makes the app your go to for making your. Compulsory third party (personal injury) insurance covers drivers of your vehicle from claims for compensation for injuries or deaths arising out of the use of the motor vehicle. The at-fault NRMA driver for specific injuries. Two months after the accident, the family still don’t have access. I recently experienced a not at fault car accident. Later, I got a call from the other driver and he said that he's made a claim through his own insurer and that they should be covering my. Upload your photos, and we’ll send through a competitive quote as soon as possible. The trailer is old and was not. Option to reduce windscreen excess to $40 on every windscreen claim for an additional premium. At fault - Optional Extra. All you need to do is start your claim and we’ll take care of the rest for you. Everyone i dealt with was fantastic. – The Vehicle was not road worthy and this caused or materially contributed to the accident. Existing claims enquiries, 8:30am–5pm, Mon–Fri. Click on the Sign icon and make a digital signature. 1300 889 256. I highly recommend SGIO car insurance, was with NRMA in Sydney 2010 changed to SGIO when I came to Perth. We got the confirmation of cancelled registration from Service NSW on 27/06/2023 after a lengthy settlement process. We're available 24 hours a day, 7 days a week. The amount they must pay for the damage they caused. I used the app to lodge the claim, car was towed in a day or two, written off and I was paid. For vehicles insured in SA, WA or the NT. Instead, some of our car insurance in NSW can cover your motorhome. Either make the claim on the at fault party's policy and let them handle your damages or make the claim under your policy and let them handle your damages. Check what’s covered, start a claim and manage your payments. 7/31/2019 Nrma at Fault Driver Policy 1/16CTP At-Fault DriverPolicy booklet7/31/2019 Nrma at Fault Driver Policy 2/16THIS PRODUCT IS ISSUED BYInsurance Australia Limited… Log in Upload FileIn partnership with NRMA Insurance. And it is more than OK for me to go back to them if I can't contact the at fault driver. au. Your no claim discount increases every year up to a certain maximum percentage (depending. After contacting NRMA they said to ignore this notice. Right2Drive is Australia's #1 provider. Choice of repairer and lifetime repair guarantee when we authorise your claim and you use an RACQ Selected Repairer. Scenario 1: The other driver is insured and makes a claim. TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Claims - NRMA. Household. These costs can include towing, repair or replacement of your car, hire-car costs, and lost wages or profits for income. In partnership with NRMA Insurance. The not at fault hire car cover is available to all our Comprehensive policy customers, whether they have the hire car policy option or not. Your payments will drop to 80-85% of your earnings after week 13. Report. au Award Winner 2019 & 2020. Midnyte. Two of us go round to pick up the car, and return the hire car. Where possible I kept the value insured for the same and excess the same. The other driver/owner or the insurer may use a debt collector to do this. If you have an excess to pay. If you weren't the at-fault driver in an accident and you provide us with the at-fault driver's name and address, making a claim will not affect your No Claim Bonus. Get a quote. found to be wholly at-fault causing the accident under the CTP scheme operating in the place where the accident occurred. An excess usually applies for most claims unless there's someone else we can recover the costs from, like the driver of another car who caused the accident. Veteran, Vintage and Classic Insurance. 3/5 overall, 4. Pay your excess. If you are at fault, or partly at fault, or the other driver/owner claims you are at fault. ABN 11 000 016 722, trading as NRMA Insurance. thatsgoodsquish. For example, 'Rating 1' drivers haven't made a claim for the last five years (this is usually the maximum number). So, claim a full write off, then obtain the parts from UK or the car club and repair. Currently, 12 states follow no-fault insurance laws, with the remaining states and Washington, D. Furthermore, NRMA lady said that they can hold the claim for me to seek compensation from the at fault driver or their insurance. Call us on 131 123 to start your caravan insurance claim. ensure you will be able to claim those costs back on your policy. Pay your excess. Zero complaints – highly recommended. 5% increase but they took away my ability to choose repairer. My mothers car was hit from behind and the other driver admitted fault and started nrma claim. These are: Hire car after any covered incident, whether at fault or not (automatically included with Comprehensive Plus) No excess on windscreen or window glass claims (automatically included with Comprehensive Plus). Your insurer pays the remaining $3,500. If you were the at-fault driver in an accident or damage to your car was caused by storm or theft, it depends on your current NCB level and whether you've made any other. They have 6 years to go to court (except in the Northern Territory, where it is 3 years). If you have any questions about the refund, contact us at [email protected] this form if the at-fault driver was driving a vehicle with NRMA CTP Insurance and sustained any injuries listed in question 5 or died as a result of the motor vehicle accident. The police can attend and investigate situations where an accident has occurred, and the other driver has failed to stop. But insurance companies work in mysterious ways.