
Originally Posted by
man elsewhere
Wife works as a motor claims officer for a major Adelaide insurer ... 5 years experience ... says that the Insurance Ombudsman Service (where disputes end up when not resolved internally) has previously judged that a claim can be denied if and only if the unroadworthy / non-disclosed modification can be proven to have contributed to the accident.
Great example - bald tyres. 50% of cars on the road seem to have at least one tyre that is bald, eg perhaps a scrubbed out shoulder on one of the front tyres. If you have an accident on a wet windy road where you lose traction and slide off the road on bald tyres, your claim could be history. If you fail to check your mirrors and sideswipe another vehicle, however, the condition of your tyres is not likely to have contributed to the accident and it is unlikely that they would try to reject the claim (as the Insurance Ombudsman under appeal would likely make them pay it, with additional costs for the appeal process as well).
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