(Australia) Hi everyone
1 year after a small crash I had in Perth but with a very nice BMW. Their insurance is now asking me 15k$.
I got a text message on the 27/04 saying that this payment is overdue since the 24/04. This the first contact I got with them since last year.
What happened is that I changed my address and told them by email to send everything relevant to the claim by email but they never answered. And I never filled any crash report.
At this time I was driving in Australia since only few days and thought the rego was a third party insurance. I wasn’t even thinking that I was driving without insurance. Also The girl I crashed in was speeding and overtaking me from left side. But as I said I never filled out the crash report.
I’ll go straight to the point :
What will happen if I never pay ? Debt collector, court ?
Is it possible and How long it would take before they take the money directly on my bank account ?
Can I negotiate a payment plan and How much can I lower the monthly payment ?
Can I get stopped leaving the country if I’m in debt ?
Thanks to everyone who will answer.
And for someone who are on insurance side, I give you a a little storie :
Since the crash last year, I pay for a comprehensive insurance and a fire starter in my boot just yesterday. (Yes, many bad news in few days…) RAC said that they won’t cover any damage because my dual battery is involved in the fire. Knowing that it didn’t start it but just the fact that it got damaged it makes my claim not legitimate. So yes I won’t give them 1 more $.