Archive for the ‘Backpacker Travel Insurance’ Category

Who's in the wrong, car park accident?

Backpacker Travel Insurance | Posted by admin
Apr 03 2010

We’re travelling through USA at the moment, and just had a car prang in a car park outside a shopping centre. A lady in front of us all of a sudden started reversing into us (witness who was helping get the ladies things to the car told us afterwards that she clearly wasn’t looking).

Honking our horn, we quickly tried to reverse out of the way. But ended up hitting the car behind us.

The lady who was clearly at fault for this claimed since she didn’t hit anyone, it was our fault for hitting the other car and drove off (we have her licence plate number). The poor woman in the car who got hit, took our insurance details and left.

Our vehicle didn’t get any damage, its a bit of a tank, however the woman’s car got some bumps which she’s gonna go get fixed and ring us later.

Legally who is at fault here? And what should we do about it? We are backpackers, from another country who don’t know the rules here in the USA. And would be very irritated if we had to pay for something that clearly wasn’t our fault.
""The lady who was clearly at fault for this claimed since she didn’t hit anyone, it was our fault for hitting the other car and drove off"

And she’s right.

She didn’t FORCE you into another vehicle, because her vehicle made no contact with you.

You, on the other hand, did run into someone else.

Which is very clearly your fault. Contrary to your claim that it isn’t.

In the US, and practically any country for that matter, people are held responsible for what can be proven.

What can be proven is that you ran into another vehicle. It cannot be proven whether the other woman had anything to do with your actions.

And that’s just simple logic. No point in being irritated about it."

I’m sorry, we should have stayed where we were and let her hit us. Is this what you are saying? Because that hardly seems like a sensible suggestion.
"Think about it this way. Let’s say someone tries to punch you.
You duck out of the way, and in the process, YOU injure someone else.
Are you saying you’re completely not at fault for injuring that other person, and the person who tried to punch you somehow caused it?"

Um… yes this is EXACTLY what I am saying. Of course the other person caused it. I honestly don’t even see how that could possibly be in question.
I obviously wouldn’t choose someone else to be hurt instead of me, so selfishness isn’t the issue here, but if I stepped on someones toes backing out of the way of someone punching me. That is the fault of the aggressor punching me.
If the law in this country says we should have allowed ourselves to be hit then that is one screwed up system.
Witnesses and the person who was hit by us all agree that the fault lays with the woman who drove off. Perhaps I have not described the situation properly to you people, but morally there was no question, only the law is in question

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Travel insurance won't pay for stolen bag!?

Backpacker Travel Insurance | Posted by admin
Feb 17 2010

I’m not sure if anyone can offer me any advice but just in case I thought I should ask.

I have been backpacking around Asia for the past year and 6 months into my trip someone stole my bag. Now that I’m home I sent off the claim with the police report saying exactly what was in the bag with the value etc. I also sent them all the receipts of the things I had to buy to replace what was in the bag. Now obviously, I was backpacking for 6 months and so most of the things in my bag I had bought on my trip and therefore didn’t have the original receipts for. So now my insurer is saying they can’t reimburse me for the replacement things.

I bought backpackers insurance and wouldn’t anyone assume that backpackers can’t carry around receipts of everything they buy just in case their bag gets stolen?

Is there anything I can do? There was £1000 limit to how much I could claim and I only claimed about £450… I’m not trying to cheat them and just think they are being unfair.

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Road trip from NY to LA?

Backpacker Travel Insurance | Posted by admin
Feb 13 2010

I am from New Zealand planning to do a month long road trip from NY to LA in couple of months time. Just wondering is it better to buy a car (US00) or rent a car and stay in motels or backpackers (I will be travelling alone) along the way. And if I to buy a car what are legal things (mechanical/Insurance) i need to look.

Here in New zealand it’s better to buy a cheap car and do the trip then sell your car which works out cheaper than a renting a car.

Thanks Guys/Gals
To "gtoacp"- if you are here in NZ for couple of weeks, i would suggest you rent a car. If you are staying more than a month then i would suggest buying a car (you can get an OK car for as low as NZD 1000).
Thanks for the answer

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Travel insurance won’t pay for stolen bag!?

Backpacker Travel Insurance | Posted by admin
Jan 13 2010

I’m not sure if anyone can offer me any advice but just in case I thought I should ask.

I have been backpacking around Asia for the past year and 6 months into my trip someone stole my bag. Now that I’m home I sent off the claim with the police report saying exactly what was in the bag with the value etc. I also sent them all the receipts of the things I had to buy to replace what was in the bag. Now obviously, I was backpacking for 6 months and so most of the things in my bag I had bought on my trip and therefore didn’t have the original receipts for. So now my insurer is saying they can’t reimburse me for the replacement things.

I bought backpackers insurance and wouldn’t anyone assume that backpackers can’t carry around receipts of everything they buy just in case their bag gets stolen?

Is there anything I can do? There was £1000 limit to how much I could claim and I only claimed about £450… I’m not trying to cheat them and just think they are being unfair.

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Worldwide Travel Insurance for backpackers with a laptop?

Backpacker Travel Insurance | Posted by admin
Jan 12 2010

Starting in January I will be travelling round the world. I will
start in Kuala Lumpur, then onto Australia and New Zealand where I
will spend maybe 6 months to 1 year, then I will head back to the UK
via a load of other countries (maybe either through South East Asia or
through South America, Central America, North America and Canada.

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backpacker canada travel insurance?

Backpacker Travel Insurance | Posted by admin
Jan 10 2010

FOR UK PERSONS only.

I am looking for an alternative to BUNAC’s travel insurance which is £200 for 6months!!

If anyone did BUNAC which alternative travel insurance did you go with and how much cheaper was it?

Serious answers only please.

thank you!

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Does anyone know any good companies in the UK for backpacker/travel insurance?

Backpacker Travel Insurance | Posted by admin
Jan 10 2010

Hi im going to SE Asia for a couple months and then on to Oz for 12 months. Does anyone know any good/cheap companies that offer decent insurance.

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