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Thread: Head-on collision

  1. #51
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    I'm still in discussion with the insurance, they are now telling me the vehicle is a write off because it was not repaired correctly, and to repair it correctly now would make it in uneconomical.

    Now I'm not sure if the repair performed should come under the life time garuntee of repairs, and that should fix it at no matter what cost?
    After fix well had repaired the car they inspected the vehicle at repair-link and told me it was fine.

    Then they appointed a third party assesor who also inspected the vehicle, and said it looked fine, but he was going to get another assesment done by an independent engineer to certify the repairs. Before this could happen the vehicle was moved by shannons to market place assessors who then said the repairs weren't performed correctly. I'm still awaiting all the reports, i was told they were still going to getting the engineer to inspect the vehicle.

    Then I spoke to someone from the special cases divison from shannons and they said the vehicle should never have been repaired initally, I saw the repair quote which was just over 12k.

    He claiming that the repairer should have removed the body from the chassis completely to repair that section of the chassis and they are also not happy with the way it was repaired. To repair it correctly the body would have to be removed from the chassis. He then told me that I would be paid out and the vehicle would be auctioned at Manheim as it has "an astronomical salvage value" according to his contact at Manheim auctions. He said that in its repaired state even though not repaired correctly it would fetch quite a bit of scratch.

    I think they are playing the game with me and getting smart.

    So I was quick to remind him that the salvage value could only be ascertained from the pre accident condition of the car. That Manheim shouldn't be told the car has been repaired cosmetically and they must be made aware of the damage to the car and only ascertain the salvage vehicle from photos of the vehicle all banged up. He agreed with me but told me the salvage value would still be very high. 11k maybe 12k.

    Unless they come up with a reasonable price for the salvage value, I think I will wait for the financial ombudsmen to battle with me, shannons have another 14 days to come to a resolution with me before this happens. I don't think I'm being treated fairly.

    I bought the car for around 16.5k at auction. The salvage value should be far less with an accident that had already cost 12k to repair and would cost a lot more to re-do the repairs again properly. Salvage value should $0 to minmial in my opinion. I should be payed out and given the car back to do with it as I please, specially after 4mths of bull**** they have put me through. I'm ****ed off now, they shouldn't have uspet me!
    2011 D4 SDV6, Rhino rack, UHF radio, Airflow snorkel, Tuff Ant's 265/65/18 Kumho KL61, 3 Way Lift Rods, Traxide dual battery, Korr LED light bar, APT gear: Rock sliders - Air Comp Guard - Air tank guard - Engine/sump guard - Front guard - Tranny guard

  2. #52
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    I'd stick to my guns if I were you. It sounds like they only want to recover their costs of the repair, hence the 'good' price at the auctions, and yet they may just resell it all repaired at a premium price too.
    It's a good idea to get the back up from the ombudsman, I hope it will work out nicely for you.

    Nathan.

  3. #53
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    if it wasnt repaired correctly its a warranty repair at the expense of whoever did the initial repair.

    if they want to go the route of bent chassis thats not a problem. The chassis is repairable and can be jigged to true let me know all the details for your vehicle and I'll see if I can still get my hands on the EMEI's with the specifications of it so they can then true it up.

    IF the damage is that bad that it cant be repaired then the vehicle is a write off, if its a write off they wont get anywhere near what they think they will for it.

    If its of any help I'm happy to look at any pics that have been taken, and quote book and verse on the approved repairs standards and methods. If its needed I could also probably be conned into a paid for trip down to put the MK I's on it.

    Make sure you get everything in writing especially if they've said that the repairs that were done werent done correctly.
    Dave

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  4. #54
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    AndyG is offline YarnMaster Silver Subscriber
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    Lawyer time and maybe a letter of demand to the other driver, they are ultimately responsible
    By all means get a Defender. If you get a good one, you'll be happy. If you get a bad one, you'll become a philosopher.
    apologies to Socrates

    Clancy MY15 110 Defender

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  5. #55
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    Sucks when that happens. I've been an insurance assessor and I can tell you that the repairer who did the original repair simply will not get paid, so it's no skin off Shannons (Suncorp) nose.

    Salvage value; well that does vary but I don't see it being very much for this kind of vehicle. Even if it is one of the Perenties that got fully rebuilt, I don't see it being worth more than 2-3k as a write-off.

    If I recall correctly, under a Shannons policy, you have first right of purchase for the wreck. See what they want for it, if it's any more than 2-3k, you can quite legitimately ask them to justify themselves.

    I suppose this is a reminder to everyone that a galvinized chassis is a blessing and a curse.
    Blessing in limited amounts of rust; curse that the vehicle will be (financial) written off for even a minor bump if chassis repairs need to be carried out.

  6. #56
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    Quote Originally Posted by Chris078 View Post
    Sucks when that happens. I've been an insurance assessor and I can tell you that the repairer who did the original repair simply will not get paid, so it's no skin off Shannons (Suncorp) nose.

    Salvage value; well that does vary but I don't see it being very much for this kind of vehicle. Even if it is one of the Perenties that got fully rebuilt, I don't see it being worth more than 2-3k as a write-off.

    If I recall correctly, under a Shannons policy, you have first right of purchase for the wreck. See what they want for it, if it's any more than 2-3k, you can quite legitimately ask them to justify themselves.

    I suppose this is a reminder to everyone that a galvinized chassis is a blessing and a curse.
    Blessing in limited amounts of rust; curse that the vehicle will be (financial) written off for even a minor bump if chassis repairs need to be carried out.

    My defer was written off in Feb this year........$1500 was the buy pack price, this was for a 95 wagon. Hail damage was the reason.

  7. #57
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    Thanks guys let you know more when I hear back from the insurance
    2011 D4 SDV6, Rhino rack, UHF radio, Airflow snorkel, Tuff Ant's 265/65/18 Kumho KL61, 3 Way Lift Rods, Traxide dual battery, Korr LED light bar, APT gear: Rock sliders - Air Comp Guard - Air tank guard - Engine/sump guard - Front guard - Tranny guard

  8. #58
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    Quote Originally Posted by Blknight.aus View Post
    if it wasnt repaired correctly its a warranty repair at the expense of whoever did the initial repair.

    if they want to go the route of bent chassis thats not a problem. The chassis is repairable and can be jigged to true let me know all the details for your vehicle and I'll see if I can still get my hands on the EMEI's with the specifications of it so they can then true it up.

    IF the damage is that bad that it cant be repaired then the vehicle is a write off, if its a write off they wont get anywhere near what they think they will for it.

    If its of any help I'm happy to look at any pics that have been taken, and quote book and verse on the approved repairs standards and methods. If its needed I could also probably be conned into a paid for trip down to put the MK I's on it.

    Make sure you get everything in writing especially if they've said that the repairs that were done werent done correctly.
    In the base repair EMEI Vehicle G 104-1 is the chassis measurements page 121/122
    I downloaded it from REMLR

    [ame="http://www.remlr.com/documents/EMEI/EMEI%20Vehicle%20G%20104-1%20Base%20Repair.pdf"]Chassis Measurements[/ame]
    Heres The Link scroll down to page 147-149 Should be what your looking for
    Last edited by 3lud13; 20th October 2015 at 07:25 PM. Reason: Added link

  9. #59
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    Good news, picked the car up on Tuesday.
    Long story short..I feel like I've had a win!
    FOS agreed method of repair should have involved galving the chassis.
    I also got to choose my repairer (not have it sent back to the mob that ruined it in the first place).
    Shannon's called me directly and wanted to settle before the judgement handed down by the FOS, they conveyed they didn't want to do the re-galv because of the possible escalating repair bill, and would like to cash settle, he offered me $14k to walk away. I played it cool and told him the ombudman would find in my favour and told him what I was after.

    I got to keep my car and I was paid out a repair bill to have the car stripped and re-galvanized $16,500+ $1000 car hire (for 3 months while the repair is completed)+ maximum allowable compensation of $3000. Plus they paid my costs for transporting the vehicle and costs of quotations. I signed a waiver against further claims against the insurance regarding this accident and now I await my cheque in the mail.

    I have driven it around for a few days, all feels pretty good. I'm going to take her over some dirt this weekend and see how she fairs.

    I have noticed the fuel sender is stuffed though. When i picked it up it was showing empty, filled her up and its showing a quarter tank. Have to pull it out and have a fiddle, not sure what I'm doing but will make sure the float is working (if it is a float). Tank looks a little different but located in the same spot, it actually has some protective plating on it, which the old one didn't.

    Someone stole my Hummel Provent from under the bonnet, not cool. But its been replaced now.

    It now has the updated Bullbar, need to find time to modify the brush bars to fit.

    Thanks for all your assistance along the way with this everyone, I would never had thought to go to the Financial ombudsman service if it wasn't suggested on here, and wouldn't have smiled for so long and hard that my face hurt.
    FOS- highly recommended if you've got a leg to stand on, even if your unsure.

    Any idea's on the fuel sender?
    2011 D4 SDV6, Rhino rack, UHF radio, Airflow snorkel, Tuff Ant's 265/65/18 Kumho KL61, 3 Way Lift Rods, Traxide dual battery, Korr LED light bar, APT gear: Rock sliders - Air Comp Guard - Air tank guard - Engine/sump guard - Front guard - Tranny guard

  10. #60
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    Well done - it sounds like a good outcome.
    We had a home insurance issue here in Adelaide a few years ago and the Ombudsman found in our favour after the insurance company knocked it back. It just shows that you sometimes have to push back if you believe you have been "done"!
    Can't help on the fuel sender - mine hasn't played up so I haven't had to pull it out!!!!

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