Insurance wont pay claim

[noddy]

My parked car was hit by a bus after the driver had a heart attack. He subsequently died. The insurance company is not accepting liability. They say that there are precedences which absolve them of liability and they will not pay for the repairs of my car. Do I have any chance of getting money off the bus company or the estate of the driver?

[top_barrister]

well, it depends on the particular circumstances in your case.

Where are you from?

[noddy]

I live in Queensland Australia

[top_barrister]

First, you may have to evaluate what kind of insurance policy do you have. Is it a liability insurance? If yes, then it will cover the amount of property damage and medical expenses of other people when you are at fault in an accident. The tricky thing here is that it will cover these damages in the amount stipulated in your policy. These damages include medical bills and lost wages as well as repair and replacement of spare parts of the damaged vehicles (not your own).
[FONT=Georgia][FONT=Arial]There are other kinds of insurance that covers even damage to you. One is called collision insurance, which will cover any damage to your vehicle by shouldering the repairs or

[noddy]

Thank you so much