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This reminds me of the plot in a John Grisham novel- can't remember which one it was- where a health insurance company institutes a secret policy for 12 months of saying 'no' to a random 50% of all claims. The vast majority of those customers accept the refusal and the company has 50% less claims to pay.
I bet they have never had any qualms about accepting your premiums. Stick to your guns, this is what you've been paying them all that hard-earned money for.
I gave them a deadline of a day and a half, which finished at 4pm yesterday, before I involved ACCC. The assessor contacted me at 3:55pm. I think they might cover the damage properly.
"The Rainmaker" Matt Damon and Danny Davito
This is very good advice in my opinion.Quote:
Originally Posted by RVR110
I've been down this path a couple of times with insurance companies. Both times my success in getting paid is I believe due to keeping it business (zero emotion) and getting the insurance ombudsman involved if the insurer balks.
I had a dispute over a written off classic Torana. The insurance ombudsman eventually got the company's initial offer trebled. They wanted to pay for a 32 y.o heap of **** not a one owner low mileage original. I still reckon I only got half what it was worth.Quote:
Originally Posted by alittlebitconcerned
I did have to apologise to an assessor for calling him a failed bog spreader who couldn't make an honest living as a tradesman and had to become an asswipe for insurance thieves. There were a few extra expletives in there somewhere.
It's now 7 months after the roo hit, and it's been quite a saga to get all the damage fixed by the insurer. They refused to fix the air conditioning and re-alignment of the radiator & support panel in particular...as there was "no trail of damage leading to these parts". I provided an engineers letter at their request to confirm the damage, but they took no heed of this, and said I needed to have the air conditioning inspected by an AC specialist, so I had it fixed there & they confirmed that the fan could have overloaded under impact & gas leak could also occur. The insurer has agreed to recompense.
They still refused to re-align the radiator, so after involving the Ombudsman, they agreed to cover the costs and repairs, if verified by Land Rover. Land Rover people looked at it and readily concluded "Of course it was!!" They suggested chassis movement should be checked. Now the insurers cooperate and tow it to a prestige chassis company, who had it 3-4 days, concluding the chassis was straight. It is probably panel movement!!?? I had a trip to the High Country planned, so postponed that till after.
It was tilt trayed to House of Rover yesterday and all re-aligned now, so will have another tilt tray ride back tomorrow, at the insurer's cost (that'll be a total of 8 tilt tray rides).
All that remains then is to get payment for my AC costs reimbursed and we're done...wish I could recover all the time I've spent on this.
Send them an invoice for your time. Worked for me.
Mine still isn't fully back together. still waiting for A/c, auto cooler, ACE leak. I CC'd the insurer into the emails to the assessor and 5min later they called as he hadn't responded to 5 emails. Apparently an assessor would call back by 1500hrs, that was a week ago. So I sent them an invoice for retail pricing plus full Land Rover Labour costs at workshop manual times for EVERYTHING I could establish that was related and added a new engine in as well as my time @ $75/hr. So far they coughed up for my time, all parts and labour and when I have the engine assessed as having the liners moved a new Turners engine.
Hope it gets sorted,i feel your pain.
My sons Puma was hit up the rear,by his mate in his brand new Colorado.Colorado was a tow job.Repair almost 6K.
Anyway the Puma went to the assessor,the quote was $1800.
There was no way it could be repaired for that sort of money.
Then the fun started........:(
Eventually with assistance from the insurance company the Puma was insured with it was taken to the panel shop at Eagle Farm,that do many LR's,their quote well over $3K.
So that is where it is going next week,the insurance company has accepted the second higher quote,and will sort it out with the other insurance company themselves.