Help required - written off vehicles, Victoria, uneconomical to repair

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Originally Posted by Markf

Like most insurance companies they always seem to have no trouble collecting the premiums but when money needs to flow the other way.......

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This is not the problem I am having. The insurance company are only too happy to pay out the $7,000. The actual repairs will be less. If it isn't put on the WOVR, I will make money out of it.
The car still drives beautifully.
This car will not be re-insure with them. I will be insuring it with the company I have the other cars insured with.
I am considering moving the other five cars I have insured with them as well.

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Originally Posted by Mick_Marsh

My Territory, I have just been advised, will be written off.
Uneconomical to repair.

Bugger all damage. I'll post up pictures soon.

Has anyone had experience in getting cars off the WOVR register in Victoria?
What was the process?
I would like to emphasise, it is a repairable write off, not a statutory write off.

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Hi MIck.

My D3 was written off as repairable write off recently. It was taken by the insurance company as they offered it back to me at a price I felt was a bit high- It sold at auction for less but I was sadly not there that day. It is driving around for some one else now.

My son brought his first car at the auction the week before my Disco was sold. 10s of thousands of "repairable write offs" due a big hail storm here. Getting his car on the road was very easy. A Road worthy was needed then an inspection at Vic Roads which was a formality largely.

My sons car is only able to be insured for 3rd party! That was the main reason I let my Disco go. I felt having no full insurance on even just the bull bar, roof racks............... on the Disco would have been a little risky. The insurance pay out did buy me a four year younger Disco!



Regards James

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Originally Posted by NavyDiver

Hi MIck.

My D3 was written off as repairable write off recently. It was taken by the insurance company as they offered it back to me at a price I felt was a bit high- It sold at auction for less but I was sadly not there that day. It is driving around for some one else now.

My son brought his first car at the auction the week before my Disco was sold. 10s of thousands of "repairable write offs" due a big hail storm here. Getting his car on the road was very easy. A Road worthy was needed then an inspection at Vic Roads which was a formality largely.

Regards James

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Yes. There is a special exemption for hail damage. They brought this exemption in due to the numbers of vehicles involved.

On the insurance Company. The premium I had on my prior D3 was ok. The same company offered to triple the cost when I quoted to use them again for the replacement D3[bighmmm]

Zero claims bar Hail damage over more than 10 years. My boat and other cars now have a new insurance Company.

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Originally Posted by Mick_Marsh

Yes. There is a special exemption for hail damage. They brought this exemption in due to the numbers of vehicles involved.

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I would have preferred to have the D3 fixed not written off. The rules they seemed to use was if repair cost is above 50% of the pay out value they write it off. I did try and get a few repair quotes to get this down but very repair place was happily for them so busy they did not need to provide a more reasonable quote[bigsad]

When we're talking Fords, this is what a write off looks like:
Attachment 143873
Attachment 143874
Attachment 143875

I'll never buy another Ford, well, one made this century. The old VR was so much stronger, robust.

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Originally Posted by Mick_Marsh

Hmmmm.....

I would have thought the insurance company would have been a little more enthusiastic about the six vehicles I have insured with them.

I've been on the phone almost all the morning and half the day. One thing I have learnt is, if you are getting nowhere, hang up and call again. You will get a new friend to abuse.

So, yesterday I phoned the insurance company to find out where my claim is at. "Uneconomical to repair." Market value $10,000. Wreck value $3,000. Repair quote $7,200. Therefore, a write off.
Today I went down to the repairers to collect my vehicle. "But the assessor hasn't been to inspect it, yet."
When I explained the position of the insurance company, the repairers told me, as normal procedure, they submitted an ambit quote expecting the assessor to cut that down. It appears the assessor couldn't be bothered and accepted the quote and, well, car needs to be scrapped.
The car is to good to be scrapped.
The repairer spoke to the assessor (who we shall call Mr. A) and explained the situation. Mr. A told the repairer the paperwork had not been submitted to Vicroads yet (Important for what later transpired) and the repairer needed to get me to ring the insurance company and request for it to be visually assessed.
I rang the insurance company and asked for it to be visually assessed. "Too late. It's written off." I hung up.
Immediately I rang again and asked for it to be visually assessed. "It's written off. Nothing can be done" I hung up.
Immediately I rang again and asked for it to be visually assessed. This time I got a person who was willing to argue the point, discuss and put me on hold for extended lengths of time.
This new fellow then started to tell me the maths involved. I interrupted him and told him the maths and also told him I have a friend of a friend who is an assessor for the parent organisation. (We'll call him Mr. X.) I did mention to him about the ambit quote and the procedure/negotiation that comes after that. He claimed that sort of thing didn't happen. I immediately thought young, naive and a little wet behind the ears.
"The vehicle is written off. We called you last week and you had plenty of time to discuss this. We had to notify Vicroads in seven days. Your time was up."
"You can reverse it."
"Under extenuating circumstances."
"I would think an assessor not doing his job properly would be extenuating enough."
"We called you to advise you."
"No you didn't, I called you yesterday. No one from your organisation called me."
"The assessor inspected the car."
"No he didn't. The repairer is still waiting for the assessor to look at the vehicle."
There was much more to the conversation. Mr. X advised me to use a few key words and mention various policies that I shouldn't be aware of, but they were. "How do you know that?"
"Didn't I tell you? A friend of a friend is an assessor in your parent organisation. I'll be having Sunday afternoon drinks at his place in four weeks time discussing your performance and inspecting the repaired vehicle."

Well, the fat lady hasn't sung yet. The car will be repaired. The question is, how easy will they make it?
I shouldn't have to go through this ****.

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And this is why every car I own is through Shannons. I had a drunk women take out my ****box rangie a few weeks back. I rang shannons "some bloody women wiped out my ****box ...". They take it to the local repairer... it is written off of course. They ring me and say "she's an economincal writeoff". I request it get returned to me as I'm repairing it" ... So 2 days later it appears in my drive, not on the WOVR and still registered. 5 days after that a cheque arrives in the mail.

If you ring them, you talk to an australian .... even get offered a free rental car. I haven't seen any paperwork even....

seeya
Shane L.

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Originally Posted by Mick_Marsh

When we're talking Fords, this is what a write off looks like:
Attachment 143873
Attachment 143874
Attachment 143875

I'll never buy another Ford, well, one made this century. The old VR was so much stronger, robust.

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bloody hel... I'd whip upto the lcoal wreckers, grab a bonnet..... probably $100bux in materials to paint it ... and maybe 1/2days work and she's fixed for next to nothing :o

Quote:

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Originally Posted by Mick_Marsh

My Territory, I have just been advised, will be written off.
Uneconomical to repair.

Bugger all damage. I'll post up pictures soon.

Has anyone had experience in getting cars off the WOVR register in Victoria?
What was the process?
I would like to emphasise, it is a repairable write off, not a statutory write off.

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Mick, I very recently went through this process. I ran into an extraordinary load of BS.

Disclaimer: the car was reg SA. However, the process is the same. My sister drove into a ditch in Ballarat. The car was/is a 1998 VW Golf. The damage was around $4K.(Rubbish) The insurer said it was below value.

All of the above is fine. Thing is, she had comprehensive insurance with the RAA. The panel shop in Ballarat called it a "write off", and told her it would be listed as a WRO, and she would have no hope. Car a write off, value less than $2k, bad luck. Car no longer registerable. Now, I've been around cars, and the industry, for some time ( Some folk here don't get that.....), and I fought them. The quote was ridiculous, The WRO was simply wrong, her policy had been paid in full for ten years, they had no reasonable position on her policy, and I won. Her car was repaired, her policy was reinstated, and she is happy. Thing is, Mick, she had had the car for 10 years, the Insurer wanted to get rid of it, and they were in no way going to offer her a replacement. Now, she has the car she loves, no replacement necessary, and the insurer is in fact better off, as I could have fixed the car for less than $1K.As could you.

I fought the RAA insurer for my sister. I won. Never give up, even if you are a goose........Sorry.

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Originally Posted by johntins

Mick, I very recently went through this process. I ran into an extraordinary load of BS.

Disclaimer: the car was reg SA. However, the process is the same. My sister drove into a ditch in Ballarat. The car was/is a 1998 VW Golf. The damage was around $4K.(Rubbish) The insurer said it was below value.

All of the above is fine. Thing is, she had comprehensive insurance with the RAA. The panel shop in Ballarat called it a "write off", and told her it would be listed as a WRO, and she would have no hope. Car a write off, value less than $2k, bad luck. Car no longer registerable. Now, I've been around cars, and the industry, for some time ( Some folk here don't get that.....), and I fought them. The quote was ridiculous, The WRO was simply wrong, her policy had been paid in full for ten years, they had no reasonable position on her policy, and I won. Her car was repaired, her policy was reinstated, and she is happy. Thing is, Mick, she had had the car for 10 years, the Insurer wanted to get rid of it, and they were in no way going to offer her a replacement. Now, she has the car she loves, no replacement necessary, and the insurer is in fact better off, as I could have fixed the car for less than $1K.As could you.

I fought the RAA insurer for my sister. I won. Never give up, even if you are a goose........Sorry.

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Thing I wanted to say, Mick, Is fight. Most people don't...