Thread: Advice needed - they want to write off my Defender

If the prime contractor is legit, there is the possibility that they have the same insurers as you.
If the two actual brush jugglers are employed by the painting company, the painting company is responsible for their actions.

Originally Posted by V8Ian

If the prime contractor is legit, there is the possibility that they have the same insurers as you.
If the two actual brush jugglers are employed by the painting company, the painting company is responsible for their actions.

Ah, of course. That hadn't occurred to me. Good point. I'll keep that in mind. And re the company being responsible, the boss has already said as much. And I've got copies of texts from him along those lines. That part is all very clear.

Originally Posted by NavyDiver

That's a point I have a little on being a smarty pants sorry. The Bike crash plus 12 months ago was on a 20 year old machine which I did not insure. The guy at faults insurance was at first impossible then very very good once I got to speak with the right person (Shannons I like them). The paid the book value of the bike and picked what was left of it up. (Not much)
If the people that did the damages has insurance you may find it better to take it to them. If they don't try discussing the fix up cost with the uninsured person perhaps. Your insurance company will peruse them for more I assume if they have no insurance. It may be cheaper for them to help you and that could be a win for you.

Insurance companies do not fight each other.

Good tips. Thank you.

If my neighbor had a tree lopper come in and cut a tree and it fell on my house , I would be chasing the tree loppers insurance company.(thankfully my neighbors are far away)

Originally Posted by theelms66

If my neighbor had a tree lopper come in and cut a tree and it fell on my house , I would be chasing the tree loppers insurance company.(thankfully my neighbors are far away)

I pay insurance premiums so that I don't (or shouldn't) need to do all that legwork myself. Yes, it would be the lopper who you'd chase (not their insurance company - isn't that up to him?), but why would you be so keen to do it yourself when that's precisely what you pay your insurer to do?

Originally Posted by NavyDiver

That's a point I have a little on being a smarty pants sorry. The Bike crash plus 12 months ago was on a 20 year old machine which I did not insure. The guy at faults insurance was at first impossible then very very good once I got to speak with the right person (Shannons I like them). The paid the book value of the bike and picked what was left of it up. (Not much)
If the people that did the damages has insurance you may find it better to take it to them. If they don't try discussing the fix up cost with the uninsured person perhaps. Your insurance company will peruse them for more I assume if they have no insurance. It may be cheaper for them to help you and that could be a win for you.

Insurance companies do not fight each other.

Insurance companies fight each other all the time. Even down to running trials over a few hundred dollars.

Cheers

Yes and another example of insurance companies dealing with each other...I had a neighbouring gum tree in a council reserve, of which it's roots were starting to lift my concrete driveway. The council came and put in root blocker and advised me that if I considered that there was damage, to notify my insurance company, and they would deal with the council.

Had that same tree dropped a limb onto my carport(which I would have been happy about, re my rusty roof!), I would have contacted my insurance company and said I need a new carport please....and here is the details of the other party.

Just like when you have a crash(other driver at fault)....you don't run around trying to get the other drivers insurance company to pay you, unless you don't have insurance yourself. You report it to your insurance company, and they do what you have been paying them for years, to do.

Originally Posted by Gordie

....

Just like when you have a crash(other driver at fault)....you don't run around trying to get the other drivers insurance company to pay you, unless you don't have insurance yourself. You report it to your insurance company, and they do what you have been paying them for years, to do.

Yes - just like the last time a bloke ran into the back of me - I spent months arguing with the insurer who wanted to write off my car. Unfortunately the bloke who ran into me had the same insurer. And, I even had to find parts for the repairer. But they repaired it eventually.