Thread: Minor Bingle - Insurance Claims

Originally Posted by Homestar

Yep, you have to shop around every year or so to keep a decent premium - for any insurance. They all jack up prices regularly hoping you don’t notice and just continue on. Most seem happy enough to match what prices you can find elsewhere but that relies on you actually doing that which most don’t.

What he said! Shop around (with online quotes) or expect to be screwed.

Originally Posted by 101RRS

Late last week I received a letter from the NRMA advising of their "intent to sue" me for $1980 plus costs if the amount was not paid within 7 days. WTF - isn't that what my insurance is supposed to cover?

I any case the "intent to sue" letter has now been forwarded to Allianz who have advised my policy protects me with their legal team dealing with any legal action.

Just goes to show the dirty tricks insurance companies can try to intimidate to get their way.

Garry

I complained to the NRMA about their heavy handed approach and they ignored that. So I complained that they had not acted on my my complaint - got a call on Tuesday from the NRMA saying it was their policy to go for the individual whenever they had a dispute with the other insurance company - never heard this before and my insurance company said they do not do that - any way all sorted now.

However my car is jinxed.

This evening stopped at a busy roundabout, traffic cleared and was about to drive off but spotted a fast car entering the roundabout so didn't move - the car behind me was watching the traffic and not me, didn't spot the fast car and bang into the back of me.

Straight onto my Mitchell Bros towbar which took the bang but the plastic front of the Mazda hit my rear rear bar and cracked it and a plastic bit from inside fell out - so all the repairs that were done in the first prang only a couple on months ago will have to be done all over again.

At least not my fault so no cost to me.

Garry

Several years ago I had a similar situation, bloke ran into the back of my trailer while I was waiting to turn right, causing minor damage to the trailer and bending the rear crossmember on the 110.

Unfortunately the culprit (I'll bet he was on the phone!) and I had the same insurer (NRMA) and what followed was a nightmare. Eventually it got repaired (took over six months for work to start), but it took a long time and a lot of stress, and the threat to move all my insurance to a different company.

Originally Posted by 101RRS

I complained to the NRMA about their heavy handed approach and they ignored that. So I complained that they had not acted on my my complaint - got a call on Tuesday from the NRMA saying it was their policy to go for the individual whenever they had a dispute with the other insurance company - never heard this before and my insurance company said they do not do that - any way all sorted now.

However my car is jinxed.

This evening stopped at a busy roundabout, traffic cleared and was about to drive off but spotted a fast car entering the roundabout so didn't move - the car behind me was watching the traffic and not me, didn't spot the fast car and bang into the back of me.

Straight onto my Mitchell Bros towbar which took the bang but the plastic front of the Mazda hit my rear rear bar and cracked it and a plastic bit from inside fell out - so all the repairs that were done in the first prang only a couple on months ago will have to be done all over again.

At least not my fault so no cost to me.

Garry

I thought Aus Insurers operate under a knock for knock agreement Knock-for-knock agreement - Wikipedia which says "A knock-for-knock agreement is an agreement between two insurance companies whereby, when both companies' policy-holders incur losses in the same insured event (usually a motor accident), each insurer pays the losses sustained by its own policy-holder regardless of who was responsible." so each company should've just paid their own damages.

Originally Posted by JDNSW

Several years ago I had a similar situation, bloke ran into the back of my trailer while I was waiting to turn right, causing minor damage to the trailer and bending the rear crossmember on the 110.

Unfortunately the culprit (I'll bet he was on the phone!) and I had the same insurer (NRMA) and what followed was a nightmare. Eventually it got repaired (took over six months for work to start), but it took a long time and a lot of stress, and the threat to move all my insurance to a different company.

Perhaps they were peeved, that they had to pay both parties damages, as referred to in my earlier post regarding knock-for-knock agreements?

Originally Posted by RANDLOVER

Perhaps they were peeved, that they had to pay both parties damages, as referred to in my earlier post regarding knock-for-knock agreements?

I have no doubt that was the case!

Originally Posted by Bigbjorn

If you know insurers who still do "no excess" automotive comprehensive insurance, please tell. The principal insurers here state firmly that the industry no longer does this.

If they do, it will no doubt result in a higher monthly premium.