Quote:
Originally Posted by oldman
That being said, in this particular case, in what way, shape or form am I requesting cover for loss, damage or liability from Budget Direct for a "not at fault" accident.
AAMI is the "at fault" insurer, so they cover the lot.
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I'd read this as, the circumstances of the accident are immaterial - your daughter is effectively uninsured under the policy.
You're not requesting them cover the loss, your requesting them to act on your behalf (to pursue AAMI to recover your costs) - which takes their time and costs them money. If the policy was in effect at the time of the accident, that would be entirely reasonable. However, because your daughter was not named on the policy, while she was driving the car, the policy is not in effect - that is, there is no insurance other than CTP, and therefore BudgetDirect have no involvement.
I'm sorry, but I think you're on your own on this one.