Tough as nails

[BiteMe]

I am sooooo.... impressive with the strength of the R32 and nissan.

Yesterday. While waiting to join traffic on a free left corner in surfers with foot on the brakes, (4 red stove lights shining) I was smacked from behind really hard. Car hopped forward.

He was driving a Toyota Corolla mid eighties model.

His damage: front headlights and fog lights cracked. Bumper pushed in. Radiator water leaking. front guards pushed up and bonnet pushed in as well,

My R32: Bumper cut by glass and pushed out of shape that has locked the boot tow handles paint removed and the muffler had glass in it as well. also front bumper came slightly loose due to impact.

Me: recovering from Migraine prior to accident and whiplash. Neck been killing me from impact.

Now insurance is happy to fix once they get my excess from this guy.

I am worried since I have a pod filter and a Blitz bov. DO I need to worry about these items. My car is a personal import as well and has lower regulations then a normal vehicle but unsure whether insurance will not look kindly to this

[Roy]

Sounds exactly like an incident that i was involved in only i wasnt hit that hard, impact didnt damage tail lights, rear guards, or boot but did require repair to subframe spare wheel recess etc. Still was only minor repar and ins co. had no prob fixing my car which had exhaust (that was also damaged) wheels, stereo, steering wheel, BOV, etc which wasnt noted on my policy as i was a little lazy in updating them with my mods.

Still they didnt give me any dramas, hell they even paid $1300 for my replacement HKS exhaust that wasnt noted on my policy.

[P1E]

If somebody else hits you, why does your insurance company even get involved? Shouldn't it go through the other party's company?

[usuckpoo]

I always wondered if the insurance party of the other person who hit you is liable to compensate you for damaged aftermarket items not noted on your insurance policy. After all, even if the claim did go through your insurer, isnt the final claim on the counter party's insurance? (They should compensate you for anything then)

Perhaps someone with more experience with the insurance industry can shed more light on this?

[Merli]

don't even touch your insurance.

just ring their insurance company and get a claim number off them... You may have to wait until the other party lodges a claim though.

After you have a claim number, just take it to a repairer of your choice, and give them the claim number you got off the other person's insurance company and they'll take care of the rest.

Easy as pie, and not one cent out of pocket.

[Roy]

Sorry Merli, before the accident i speak of above occured i would have agreed with you. These days i have changed my tune a little.

I think it depends on the circumstances. With me it was a 6 car pile up on a freeway exit, i was one from the front so was the least damaged vehicle. (minor damage, the vehicle in front of me was a light commercial and only reason it damaged the front of my car was that it had a tow bar hanging from it.)

I didnt contact my insurer as i didnt see any reason to involve them, but as big business goes i was given the run around by the at fault drivers insurance company. My car sat in the panel shop for three months (thankfully i was OS for most this time) while the assessor stuffed around with repair values.

In the end i rang my insurer and told them the details of the acident, 3 days later repairs started and 2 weeks later i had my car back.

Hell you pay your premium every year, so let them run around and then recover costs. This experience tells me if you front the at fault insurer they wont take you seriously and give you the run around in the hope that if you are not insured you will go away.

[T0nyGTSt]

The big problem I have going thru your insurance is twofold.

The insurance company I used to be with sorta held it against me that someone I was a contributing factor to this guy hitting me. Let's just say this 'not at fault' accident was something thrown back at me later... why do they have to know? It's nothing to do with them.

I was given a payout by the other guy's insurance company. It was a bit more than what I would consider fair recompense because of 'pain and suffering' etc.

I'm sure if I claimed thru my own comprehensive they would have absorbed that extra payout and the car would have to go thru their admitted shithouse repairer.

No one wants to see an insurance company coming out ahead.

T.

[usuckpoo]

If we make the claim through our insurer and let them chase the counter party or his insurer for the claimed amount, will they take it against us for modifications not noted on our policy?