Operation repair

[Bennoz]

Oh & if you want to go down the repair path, take at look at my thread here.

viewtopic.php?f=41&t=24219&start=80

So far, $500 odd bucks in new parts from Japan, about $500 in second hand parts from club members. Plus this prang is worse than yours.

[rock_it]

Get back on to NRMA, my step had a prang in the exact same manner.

NRMA offered him a premium excess, to which he paid, was another $600 odd bucks, the car was then repaired immediately (in your case written off & full value paid out to you), then NRMA on their own time went after the at fault driver.

You have to remember, the insurance company will do EVERYTHING in their power NOT to pay the claim. They came back to you & said no - you just rolled over & accepted it. Go back and fight it, but be smart about it.

Advice from my misses who just fought & won over our claim:
- Ring up NRMA & pretend to be someone else, just ask for general advice
- Ask about the premium excess senario I mentioned above
- Ask them where in the PDS it states the reason why you were knocked back - I guarantee it wont be there.
- Take contemporaneous notes when you do. Note the time, date, and name of the person you spoke to
- Send in your complaint in writing stating all these facts.
- In your complaint ask why the reason for your knock back isnt in the PDS
- Ask how you could have made an informed decision as to taking out the policy, when all the information wasn't disclosed to you.

The more holes you can poke in their story the better. It'll go to their legal team, you may have a bit of to & throw with them, but stay firm.
Last of all, take the emotion out of it, they don't give a sh*t about your financial hardship, just state the facts.

But she doesn't have comprehensive insurance... Nor does the guy who hit her... So a different case..

Her policy is Fire/Theft and third party ... So since none of that applies in this case, then they will not pay her anything. If the other bloke just has compulsory third party, and no comprehensive, then his cover is for property damage... Not damage to others...

So she has to chase him for any cash. And since she has not paid a "premium" to an insurance company, they are not going to fight for her, as they have not got a cent out of her, or never will get one out of him...

[Bennoz]

But she doesn't have comprehensive insurance... Nor does the guy who hit her... So a different case..

Her policy is Fire/Theft and third party ... So since none of that applies in this case, then they will not pay her anything. If the other bloke just has compulsory third party, and no comprehensive, then his cover is for property damage... Not damage to others...

So she has to chase him for any cash. And since she has not paid a "premium" to an insurance company, they are not going to fight for her, as they have not got a cent out of her, or never will get one out of him...

That's not true. Go ask Rhys, he got hit, not at fault, he only had Fire/Theft with NRMA, other driver denied fault, then wouldn't pay. Rhys paid the premium, NRMA did the rest.

And it was your insurance mate that gave us this advice

I'm not here to provide the ammo, only the gun. Jaz can build her own case.

[Bennoz]

Straight out of the NRMA PDS under the Fire & Theft section

http://www.nrma.com.au/car-insurance/th ... urance-nsw

[rock_it]

But she doesn't have comprehensive insurance... Nor does the guy who hit her... So a different case..

Her policy is Fire/Theft and third party ... So since none of that applies in this case, then they will not pay her anything. If the other bloke just has compulsory third party, and no comprehensive, then his cover is for property damage... Not damage to others...

So she has to chase him for any cash. And since she has not paid a "premium" to an insurance company, they are not going to fight for her, as they have not got a cent out of her, or never will get one out of him...

That's not true. Go ask Rhys, he got hit, not at fault, he only had Fire/Theft with NRMA, other driver denied fault, then wouldn't pay. Rhys paid the premium, NRMA did the rest.

And it was your insurance mate that gave us this advice

I'm not here to provide the ammo, only the gun. Jaz can build her own case.

Ahhh ... See that is why I send that sh*t to him to fight for me ... Wasn't aware of that ...

Carry on ...

[Bennoz]

He's been very handy I must say

Was one of his industry mates that gave us the advice on Conor's prang too, the one where he wasn't a named driver. We've won on both occasions now.

Oh & he said to say G'day to you last time I spoke to him

[rock_it]

He's been very handy I must say

Was one of his industry mates that gave us the advice on Conor's prang too, the one where he wasn't a named driver. We've won on both occasions now.

Oh & he said to say G'day to you last time I spoke to him

Yeah, I keep meaning to meet up with him for lunch .. But given I am out at bloody Camden, I never get a chance to say g'day ...

Top bloke though .. And his list of contacts are just amazing... He really is at the top of his game.. And such a decent person too .. Which is always good...

[Jaz]

You need a solicitor if you want to fight it...

Old mate will say that he hit Jaz after she hit the other car. So she will be liable for her damage to the front of her car, and the car she hit.

Old mate will be responsible for the rear end damage. He will claim he is poor, doesn't have insurance, and a long winded legal battle will take place. You will end up paying thousands in fees, to recover a small amount, that he won't pay anyway. Maybe you will be lucky to get $0.10 to the $1 as he will claim "financial hardship".

All in all, you will lose thousands...

That's literally exactly what's happened/ happening thats why im about to write old mate a LOD

[rock_it]

You need a solicitor if you want to fight it...

Old mate will say that he hit Jaz after she hit the other car. So she will be liable for her damage to the front of her car, and the car she hit.

Old mate will be responsible for the rear end damage. He will claim he is poor, doesn't have insurance, and a long winded legal battle will take place. You will end up paying thousands in fees, to recover a small amount, that he won't pay anyway. Maybe you will be lucky to get $0.10 to the $1 as he will claim "financial hardship".

All in all, you will lose thousands...

That's literally exactly what's happened/ happening thats why im about to write old mate a LOD

Try and get the PDS of you insurance... See if it has the clause like Ben quoted above... Then all you have to do is prove his guilt.. And him hitting from behind kind of does do that.. But yeah, may have to play a bit of hard ball ..

[SchumieFan]

It does say "entirely"

And if she has front end damage in a rear ender, old mate may not be "entirely" at fault

[Bennoz]

I've got $50 on the fact no call to NRMA will ever be made & we'll be back here in a month with the seagulls parting out the car

"Do you have the bit© that goes around the stereo? Mine's all broken "

[Vectose]

Typical Can't be bothered using the phone to actually make a call.

[kiz]

Typical Can't be bothered using the phone to actually make a call.

I thought phones were just a mobile porn viewing device?