Stupid Insurance

[wishbone]

hey guys...sorry but right now im ****** off ...so im gonna let a bit of steam off...so i can go abt my day ...Back in november my mum was driving our car and some idiot in a mazda drove into her while she was trying to exit the service station...it wasnt a big crash..he only had the side of his car scratched but my mum had got the brute of the accident coz she was stationary...corner light was broken bumper was shifted and driver side panel was dented with a bit of paint coming off it..Well i wasnt there bt supposdly the guy who crashed into her was in a hurry so he was ready to take a runner but he also hit another guy so he was stopped..Well my mum was all shaken up considering it was her first accident she was ever involved in...But the guy at first admitted it was his fault, so my mum didnt take down any witnesses...but later that day when she called the guy up...he said that "he was at the exit first"?? okay well say if he "Was" then y did he hit a stationary car???...so this guy obviously told his insurance a different story and there was a dispute for like a month..and today i decided to call up to find out the resolution, and the insurance company wants an excess of 550 from my mum!! Now this has really ticked me off, sure the other guy was a good BSter, but im no smash repair expert bt from the looks of my mums car i can tell some1 else has hit her...coz theres a dent on the driver side front panel and the bumper has shifted towards the left of the vehicle...Sigh sorry guys for ranting here but i think this lil accident is a wake up call to change insurance companies....and thanks for listening..have a nice day

Edited December 31, 2007 by wishbone

[Dead]

All good dude. The lesson learnt here though is...

ALWAYS BUILD A SH!T LIST. In other words, compile as much evidence or crap on the other party involved in the accident, no matter how nice they are. If they change face on you then you're ready to crucify them ;)

[wishbone]

lol cheers bud...yeah i learnt tht the hard way btw the company im with now is AAMI...lol i dont think they even have a car accident specialist...new motto " unlucky your with AAMI"

Edited December 28, 2007 by wishbone

[wishbone]

btw does anyone have any suggestions as to wat i should do, to try to win this stupid lil incident??

anything will help...

Thanks guys!!

[selyaT]

Shouldn't you be blaming the guy who is lying rather than the insurance company?

Doesn't suprise me after some stories I have read on here.

[wishbone]

lol too true tayles...bt im more ****** off at the insurance company because they are soo gullible!

[selyaT]

Only because he got to them first

[Dead]

Micky is here. Micky usually makes things better so hopefully he will have some useful knowledge yO

[wishbone]

lol ta..badboyz...i have only been on this forum for less than a week and u guys have helped me out sooo much more than all the mechanics, tech and forums i have ever been to...Thanks so for the help so far!!

[wishbone]

actually tayles we filed a police report on the arvo of the accident...and went to insurance later tht week...but stupid insurance company doesnt want to look at the report neither do they want to see both his and our damages...i mean wouldnt it be easier if they look at both of the damages and conclude who was at fault???

thanks guys

[Simo]

Tell them he smokes bongs :)

[wishbone]

lol

[xoom]

i mean wouldnt it be easier if they look at both of the damages and conclude who was at fault???

from a logical perspective what u have said stands true .... however from the bottom $ perspective its going to cost them more money doing wat u just said that it will if they simply get excess from all parties involved and make the money by listing it as an at fault accident.

My brother went through this same thing where he was stationary on the side of the road and a 4x4 literally drove over the front corner of the car ..... at first the dude claim @ fault which he was becuz we were sitting there then afterwards he claimed we were pulling out hence why he drove over it ..... after going backwards n forth the insurance wanted to ping both @ fault .... we were like no way and after a crap load of arguing they decided not to ping us with the excess ..... however we were both insured with NRMA so it was a double win from their perspective if we both just payed.

In this scenario if they needed to investigate etc etc that extra ppl employed + more time to push claims through + + + + all these reasons = more $'s they need to spend .... when they could just short change the whole process and get the $'s anyway ...... I'm not saying its right but this is big business and its about bottom $ not logic for ur customers.

Just keep fighting it and keep bringing up the police report .... if u were @ a servo there should be video evidence if its not 2 late .....

[$ANGELO$]

very similar thing happened to me a while back.. the other driver (late 30s) admitted fault on the day but told their insurance a completely different story.. anyways dont want to bore you with the details.. i was on p plates at the time and was pretty much my word against theirs (after and investigation?) so who do you think they believed?? i had to fork out for the excess.. was not happy :(

[wishbone]

i mean wouldnt it be easier if they look at both of the damages and conclude who was at fault???

from a logical perspective what u have said stands true .... however from the bottom $ perspective its going to cost them more money doing wat u just said that it will if they simply get excess from all parties involved and make the money by listing it as an at fault accident.

My brother went through this same thing where he was stationary on the side of the road and a 4x4 literally drove over the front corner of the car ..... at first the dude claim @ fault which he was becuz we were sitting there then afterwards he claimed we were pulling out hence why he drove over it ..... after going backwards n forth the insurance wanted to ping both @ fault .... we were like no way and after a crap load of arguing they decided not to ping us with the excess ..... however we were both insured with NRMA so it was a double win from their perspective if we both just payed.

In this scenario if they needed to investigate etc etc that extra ppl employed + more time to push claims through + + + + all these reasons = more $'s they need to spend .... when they could just short change the whole process and get the $'s anyway ...... I'm not saying its right but this is big business and its about bottom $ not logic for ur customers.

Just keep fighting it and keep bringing up the police report .... if u were @ a servo there should be video evidence if its not 2 late .....

xoom sorry to hear about what happened to ur bro...its suck aye...well yeah we will keep fighting it with the police report and yeah we went to the servo but they wouldnt let us look at the footage without police authority

and angelo sorry to hear about ur incident too...i think we can conclude from this that insurance companies are just big money driving suckers...

thanks for all the help so far...we will try our best

Cheers!!

[dannywss]

i also faced similar problem with aami, fuk them all, they can make up EVERY kind of stupid excuse not to fix your car... and they will act blind to not see the damages...

i fight for 1 months, still not done yet. As they said, they have to fix until i am happy, so, i will keep saying "i am NOT happy!" will go to their place EVERY few days, call him every few days, until he fix it!!

i was thinking, next time when accident happens, i think we should straightly call "INSURANCE COMPANY", file the report when the another party is still there, and let the other party talk to "INSURANCE CO." too. It is better to do it this way, rather than regret later...

as wishbone said "UNLUCKYYYYYYYYYYY you r with aami!!!!"

DONT EVER CHOOSE AAMI!!!!!! UNLESS U R NUTS!!!!! AAMI SUCKSSSSS!!!!

[wishbone]

i also faced similar problem with aami, fuk them all, they can make up EVERY kind of stupid excuse not to fix your car... and they will act blind to not see the damages...

i fight for 1 months, still not done yet. As they said, they have to fix until i am happy, so, i will keep saying "i am NOT happy!" will go to their place EVERY few days, call him every few days, until he fix it!!

i was thinking, next time when accident happens, i think we should straightly call "INSURANCE COMPANY", file the report when the another party is still there, and let the other party talk to "INSURANCE CO." too. It is better to do it this way, rather than regret later...

as wishbone said "UNLUCKYYYYYYYYYYY you r with aami!!!!"

DONT EVER CHOOSE AAMI!!!!!! UNLESS U R NUTS!!!!! AAMI SUCKSSSSS!!!!

well i also found out that AAMI unlike other insurance companies chooses who you get ur car repaired with...and the smash repair aami is making us go to is sooo dodgy..like they are asking close to 2gs for just changing a light and painting a bit of the bumper and side panel....i reckon theres a lil bit of under the table money involved, if u know wat i mean....

btw danny is u car driveable??? and did u say u been waiting for 1 month or for months??

Edited December 31, 2007 by wishbone

[Simo]

you rekon it could be worthwhile in the long run gettin ol Johnny hopper involved to write out a police report even for smaller accidents if this sorta **** happens??

[wishbone]

you rekon it could be worthwhile in the long run gettin ol Johnny hopper involved to write out a police report even for smaller accidents if this sorta **** happens??

yep thats wat im gonna do when im in an accident big or small and im not at fault...my mum called the police but the guy said he was late for work....so he left...

[Dead]

All insurance companies are *****'s. Full stop. You just have to pick the one that isn't as much of a ***** as the others.

Edited December 30, 2007 by bADbOYz

[wishbone]

All insurance companies are *****'s. Full stop. You just have to pick the one that isn't as much of a ***** as the others.

got any idea which company is the least ****** up?

[wishbone]

just to keep u posted....im gonna send a letter into AAMI and hopefully the Execs read it...im not gonna let the lying scum bag fib his way out of this even tho its a minor accident....if only i could make him do a lie detector test.....lol

[xoom]

just to keep u posted....im gonna send a letter into AAMI and hopefully the Execs read it...im not gonna let the lying scum bag fib his way out of this even tho its a minor accident....if only i could make him do a lie detector test.....lol

so when the petrol station said they couldnt release the footage to u unless u have a police warrant did they atleast confirm that they had the footage ?

if they do then it might b a good idea to see whats involved in getting the footage. and even pressing the insurance company to do the same .....

[wishbone]

just to keep u posted....im gonna send a letter into AAMI and hopefully the Execs read it...im not gonna let the lying scum bag fib his way out of this even tho its a minor accident....if only i could make him do a lie detector test.....lol

so when the petrol station said they couldnt release the footage to u unless u have a police warrant did they atleast confirm that they had the footage ?

if they do then it might b a good idea to see whats involved in getting the footage. and even pressing the insurance company to do the same .....

well they said they will have a look and then get back to us...he hasnt called so ill prob ask 2mrrw or wednesday...i should hope tht most service stations have a camera facing the exits for their own security...very very stupid if they dont...tht footage shld be enuf to pin him for the blame