lol dude there was only ONE zed, re read the first post. The insurance company probably won't cover damage to the Commodore owners car, but WILL (or should) to the other 2 cars he damaged
the driver of the commodore will obviously have to pay but im not sure if its out of his pocktet or out of the insurace companys... but ill shut up now...
Went through it several years ago...... Unfortunately .... a .07 driver = zero insurance Sadly.... Either you or your insurance company will most likely have to take him to court to retreive any monies .... lets hope he is decent enough guy to do the right thing. In my case... my insurance company sued the .085 driver that hit my parked car to retreive the costs of my vehicle loss. He has since shot through owing ~$13,000 ( paid $9,000 prior to splitting )..... insurance company is still looking for him. You'll have to contact YOUR company firstly and go from there. Kingy
spoke to aami today , they say they're going to cover it pending an actual valuation but since the valuation is going to happen at pickles .... i have a feeling its a write off. so has anyone had experience with aami offering them dodgy settlements or a monetary value for the car that they were not happy with ? what are my options if im not happy with aami's valuations ? is there a good valuation service for import zeds that can provide me with a valuation certificate ? any opinions how i should avoid being ripped off ?? anyone working within insuarance or whose had similar experience ..share and care
Did they tell you why Pickles are doing the valuation on the car?!!! They are auctioneers, not valuers. Pickles are only going to give you the value of the WRECK not what the car was worth before the accident. My MX-6 went to them - I bought it for $9600 put $1400 rims on to it and less than 2 months later it was written off, and Pickles bought it for $1000 with the rims on the car. But I had an independant valuation done on the car and the valuer put the value down as $11900 because of the condition that was in BEFORE the accident, which is the amount that I sued the other party for and then everything else on top of that amount - stamp duty for my next cars purchase, interest on the settlement amount, towing, storage fees, my valuer's assessment fee and all of my legal fees for my solicitor and barrister. Seriously why should *YOU* be out of pocket and your pride n joy most of all for some other ****wits stupidity?
aami has no right to do anything except pay to fix your car... they cant write it off, especially if you have your own insurance, you can claim against your insurance and then they will claim it off the offender leaving you with a clean record for insurance
This is the point at which you pick up the phone book and look under "Solicitors". The few bucks you spend for a Solicitor to send a few letters, will be more than "money well spent" in the long term. Don't fart around with AAMI, and DON"T let your car be interfered with, by anyone not of your choosing. Good luck...You CAN win(if you play it safe, and smart).:zlove:
If it comes down to that - I can highly recommend the Solicitors that I went to which was Kenyons Lawyers http://www.kenyons.com.au/ they looked after EVERYTHING for me. If you click on 'Litigation' there is some forms that you can fill out - Or you can call them.
thanks a lot guys , do appriciate it . i havent really looked at the pics since i took them and the very thought of looking them make me wanaa projectile vhomit .... now just to get the facts right , i dint have insuarance and aami is the other guy's insurer. i have been stuffed around by aami and the towing company untill today cuz i turned up at the pickles. Turns out all the cars that the guys at aami suspect is going to be a write off are sent to pickles where they have a specialist assessor ( yeah right) well its now that i actually decide if i wanna go to the lawyers or not cuz aami's called me back with a something definite that i can actually disagree with. their valuation of the car. base price $ 7500 plus $ 1500 mods = $ 9000 the specs are - 90 TT 2+2 auto bomex front bar , veilside side skirts and rear bar , gonzo nose-type d veilside side view mirrors full respray in black new radiator , new radiator hoses new power steering , new power steering hose new alternator m electrical circuits 100,000 kms service completed new set of pulleys dvd player + screen , 2 x amp , front splits , 6 x 9's pager alarm system that a fair price ? $ 9000 for it ?
Same thing happened to me..... many years ago this bird ran into my car parked in the street. She was DUI so her insurance scrubbed her and I only had 3rd party property insurance. I took her to court, but she had nothing so that's what I got
Not good I'd tell them 9k plus you keep car. Buy another one and swap all over. Sell off spares and you get most if not all your money back. Just a thought, Big trouble is that insurance companies can be real hard to deal with and could be a real head F#$k. My 2 cents worth, Andy
^^ agree with andy.. 9k + the car would be fair but definantly wouldnt be taking the 9k for it... you werent at fault, and a "specialist" is a bs artist with a business card
If he decides to take their offer, then they don't get the car. They only have claim to it "if he was insured with them". What part of "it ain't insured with AAMi" don't you lot understand. :bash: They have no legal claim to his car if they write it off. The figure offered would be what they estimate the value of his car to be prior to the accident. Crikey, if you had a Rolls & some dickwad ran into it, & his company wanted to give you $9000, do you think you'd take it AND give them the Rolls, cause thats what they valued it at. Wake up kiddies. Best bit of advise I could give, would be for him to talk to a Solicitor pronto. Cheers Kerry :zlove:
Incorrect Keza...... if the book value of the car is $10K and the cost of repair is anywhere near $8k they will declare it a write off (assuming wreck value of $1-1.5K). They do this because it is the cheaper alternative for them, they cut you a check for $10K and THEY take the car because they've effectively purchased the car off you. They sell the car to a wrecker for $1-1.5K and close the file. While ever a file is on their books it is costing them money....... administration, legals, assessors etc. so often it's more economical to take a small loss in order to close the case. Now, if you wish to keep the car, most insurance companies (there are always exceptions) will negotiate to let you keep the car if you agree to purchase the wreck at the salvage price. It saves them money on towing, paperwork, commissions etc They just deduct the salvage price from the cheque they send you. The amount on the cheque you end up receiving depends on your ability (or a solicitors) to negotiate with the insurance company or their representative (usually an assessor) as to the actual worth of the pre accident vehicle. It sucks but that's the way it works, "been there done that" Under normal circumstances I would have said that because the other driver was full as a boot, KaRmAsUtRa is screwed...... but in an earlier post I see he has assurances from aami they'll cover his car geez, get them to put it in writing.
I don't disagree with you Ian But from my own past experiences with insurance companies differs. I had my car written off by another driver who crossed to the incorrect side of the road. His insurance company tried the same thing as AAMI is trying here. I took it to a solicitor, and retrieved my car (which was not insured with the offenders company) and got the total costs of the car in hand. As I said, they can't just walk up & tell you your car is worth (X) amount as a write off & keep your car, when you are not insured with them. They have to pay out whatever the agreed value is for the damage to your car, write off or not. That does not give them the right to then take your car. They have not paid you a purchase price, only a damages pay out figure. If I was this chap, I'd be getting legal advise ASAP. The car may have been purchased only months before hand, for say $15,000. The price that they want to pay out is estimated Book Price on that year model, which I would find hard to accept, as the last time I looked the TT was not listed because it was not sold here in Australia. I hope that if I'm wrong in this case, and that this chap will take the hint and get legal advise soon. Not wait to get his car back & find that they have chopped it up for spare parts etc. Cheers Kerry QUOTE=zx299;847255]if the book value of the car is $10K and the cost of repair is anywhere near $8k they will declare it a write off (assuming wreck value of $1-1.5K). They do this because it is the cheaper alternative for them, they cut you a check for $10K and THEY take the car because they've effectively purchased the car off you. They sell the car to a wrecker for $1-1.5K and close the file. While ever a file is on their books it is costing them money....... administration, legals, assessors etc. so often it's more economical to take a small loss in order to close the case. Now, if you wish to keep the car, most insurance companies (there are always exceptions) will negotiate to let you keep the car if you agree to purchase the wreck at the salvage price. It saves them money on towing, paperwork, commissions etc They just deduct the salvage price from the cheque they send you. The amount on the cheque you end up receiving depends on your ability (or a solicitors) to negotiate with the insurance company or their representative (usually an assessor) as to the actual worth of the pre accident vehicle. It sucks but that's the way it works, "been there done that" Under normal circumstances I would have said that because the other driver was full as a boot, KaRmAsUtRa is screwed...... but in an earlier post I see he has assurances from aami they'll cover his car geez, get them to put it in writing.[/QUOTE]
