Jump to content
SAU Community

Advice On What To Do With Insurance After A Car Accident!

SLDN-31

By SLDN-31,
in General Automotive Discussion

 Share

Recommended Posts

SLDN-31 Enthusiast

SLDN-31

Posted
Posted

Hey people the other day my Girlfriend was driving my 33 down the main street in Sunbury and stopped at a set of lights, A lady then reversed out of a car-park and hit the side of my car. She admitted fault and called her insurance company straight away. Now AAMI (her insurance) called me and this morning and I told them that im not going take my car to their assessment centre for them to take it away to get repaired. So i have to get them two quotes one from my choice of repairer witch i have and one from their preferred repairer.

So i will go see one of their guys this week, after this an assessor will come out and see what quote they want to go with. This here is my problem my quote is 2.5K and im guessing they other guys will bee cheaper and nastier that's why they would be a preferred dealer. I cant afford to have my car away at a shop at the moment so i am going to ask the insurance for a cash pay out and then i will have to get it done later when i can go without a car. What i can see that is going to happen is that they will go with a cheaper quote (probably their one) and i will get less cash then i need and then ill have to pay the rest, So it will cost me money for an accident that was not my fault. Can they make me get this quote from there guy? even tho im not insured with them the accident was not my fault and i have nothing to do with AAMI can they just pick where i have to take my car to get fixed or what quote they want to pay me out on? it just sounds very unfair at the moment.

R31Nismoid Grand Master

R31Nismoid

Posted
Posted

Far as I am aware - as it's her insurance, you can take it wherever you want mate.

Go to their place and simply do this.

1. "drop a hint" that somewhere else - pick somewhere 40km's away - said it was 3k quote.

2. Watch the AAMI repairer quote close to 2700 or so. As it's insurance most of them will b/s quote.

It's fked cause what the AAMI repairer will do is under cut regardless, and then when they start on the job it'll be 'oh we found a few hidden surprises". Honestly you should get it fixed now as if there are any nasty surprises, at least it is covered at the time if it's a result.

Often impacts even with an experienced place - you can find extra once you pull it apart and get into it.

Duncan Grand Master

Duncan

Posted
Posted

agreed.....trying to push the other party to the insured party's preferred repairer is a new low from the dodgiest industry around.

regardless of who the at fault driver is insured with, YOU have the right to have your car fixed to your satisfaction.

do doubt they will try and bully you into accepting something less of course.

blind_elk Grand Master

blind_elk

Posted
Posted

AAMI is paying for the repairs. I reckon that gives them to right to say who will repair it. If it's one of their "preferred repairers", then you have every recourse to see that the repair is carried out to your satisfaction.

Put yourself in their shoes - if you had to pay for someone else's repairs out of your own pocket, wouldn't you want to do it for the least possible cost?

eiresgaus Proficient

eiresgaus

Posted
Posted

What happened when I had someone crash into me was I called my insurance company and gave them all of the details for the person that crashed into me and which insurance company they were with, my own insurance company sent an assessor out and I went and got a quote from one of their preferred repairers.

it was all done within a week and there was nothing for me to do in regard to contacting anyone from the side of the person that hit me, my insurance handled everything..

Could be worth a try if AAMI try stuffing you around.

Rekin Grand Master

Rekin

Posted
Posted

as the accident is not your fault, you have every right to get it repaired where you want and money if you prefer. It is not up to the insurance to choose a repairer as you are not in a contract with them. All they do is pay to fix the damage to your level of satisfaction.

If it was your fault and your own insurance was paying the bill, they will then direct you to their own repairer as that is what would have been stated in the contract you signed. You havent signed any contract with AAMI and there is no law that says "if im paying, i choose the repairer."

Be confident in your discussion with them and let them know clearly you want it repaired at your place and prefer a cheque for the value of repair.

Dobz Experienced

Dobz

Posted
Posted

If you know of any repairers that have a good reputation and will do a good job get quotes off them. The more quotes you get that prices the repairs higher than what they offer the better. I got hit in the front left quarter of my beaten up old xf falcon ute, all that was damaged was the front left quarter and the front bumper (which was already damaged) and after getting just two quotes saying it'd cost around $1500 to fix they settled on giving me a cheque for $1200. I wasn't going to tell them the ute only cost me $500.

btw her insurance was AAMI as well.

VNS 24 Mentor

VNS 24

Posted
Posted (edited)

What happened when I had someone crash into me was I called my insurance company and gave them all of the details for the person that crashed into me and which insurance company they were with, my own insurance company sent an assessor out and I went and got a quote from one of their preferred repairers.

it was all done within a week and there was nothing for me to do in regard to contacting anyone from the side of the person that hit me, my insurance handled everything..

Could be worth a try if AAMI try stuffing you around.

I agree with Brian, and did the same thing.

First, I got hit by an L-plater whose mother in the car wasn't paying attention to her young son. I did a permitted U-turn (Never will again) in front of their car and got hit before I can drive out of it. I got her details plus her son's, went to the police station to report, contacted my insurance and got it fixed at the place my insurance recommended with no worries. Then my insurance chased them up. :P

Second, I was driving through shopping centre car park. One car drove in at speed and I dodged it and hit the trolley rail abit on the sides. The other driver claimed it was not his fault, so I paid my excess and got it fixed at the same place because they were very good at first time.

Good luck with the repair. I think what AAMI is doing is dodgy too.

Edited by VNS 24
gtr fan Experienced

gtr fan

Posted
Posted

Same thing happended to me about 8-9 years ago. I ended up getting to quotesand they just gave the job to the cheapest out of the two. Whilst I was there I kept saying I should have a choice blah blah and they eventually just agreed.

Otherwise if it was a big enough issue (major repairs etc) you can do it through your insurance and they wouold claim against AAMI wouldn't they?

SLDN-31 Enthusiast

SLDN-31

Posted
  • Author
Posted

Thanks for all your input guys. First off the accident was tiny their is a tiny dint on the quarter so i`m not worried about other damage as i don't think any will be found. I went and got my quote from the AAMI repairer just before it came to $90 less them my guy I used R31nismoid`s advice and said to the other guy "the last guy i took my car to scared me a bit he quoted 3 grand" he agreed and told me the other guy was dodgy and for a good job will only cost mid 2`s lol so yeah happy with my quote i got. Next is to wait for the assessor and see what will happen next :D Thanks for all the input again guys ill let you know how i go!

R31Nismoid Grand Master

R31Nismoid

Posted
Posted

Told ya man - They are just out to rip via undercut, and then "find issues" later on.

Unfortunately that's how it goes with a lot of places like that, and it screws over the people that actually do good work and charge accordingly.

Obviously not all are like this, but I've seen it more times that i am comfortable with.

  • 1 month later...
Adriano Grand Master

Adriano

Posted
Posted

You are entitled to a hire car during the repair process. All insurance repair work nowadays has to have a lifetime warranty on t he repair, and i think a 10 year warranty on the paint, so it really doesnt matter who fixes it.

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
 Share
Go to topic listing


  • Similar Content

  • Latest Posts

    • Chupapy
      Help! Leak coming under transmission

      By Chupapy · Posted

      Yes will do mate
    • GTSBoy
      Help! Leak coming under transmission

      By GTSBoy · Posted

      Get an inspection camera up there. 
    • GTSBoy
      Mistakes were made, my R34 Story

      By GTSBoy · Posted

      Yeah, but look at the margin in viscosity between the 40 and the 60 at 125°C. It is not very large. It is the difference between 7 and 11 cP. Compare that to the viscosity at only 90°C. The viscosity axis is logarithmic. The numbers at 90 are ~15 and ~35. That is about half for the 40 wt oil and <half for the 60. You give up viscosity EXPONENTIALLY as temperature rises. Literally. That is why I declare thicker oil to be a bandaid, and a brittle one at that. Keep the oil temperature under about 110°C and you should be better off.   Having said all of that, which remains true as a general principle, if you have indeed lost enough oil from the sump that the pump was seeing slightly aerated oil, then all bets are off. That would of course cause oil pressure to collapse. And 35 psi is a collapse given what you were doing to the engine. Especially if the oil was that hot and viscosity had also collapsed. And I would put money on rod or main bearings being the source of the any noise that registered as knock. Hydraulic lifters should be able to cope with the hotter oil and lower pressure enough to prvent too much high frequency noise, although I am willing to admit it could be the source.
    • Chupapy
      Help! Leak coming under transmission

      By Chupapy · Posted

      Thanks for the reply mate. Well I really hope its a hose then not engine out job
    • Kinkstaah
      Mistakes were made, my R34 Story

      By Kinkstaah · Posted

      But.... the reason I want to run a 60 weight is so at 125C it has the same viscosity as a 40 weight at 100C. That's the whole reason. If the viscosity changes that much to drop oil pressure from 73psi to 36psi then that's another reason I should be running an oil that mimics the 40 weight at 100C. I have datalogs from the dyno with the oil pressure hitting 73psi at full throttle/high RPM. At the dyno the oil temp was around 100-105C. The pump has a 70psi internal relief spring. It will never go/can't go above 70psi. The GM recommendation of 6psi per 1000rpm is well under that... The oil sensor for logging in LS's is at the valley plate at the back of  the block/rear of where the heads are near the firewall. It's also where the knock sensors are which are notable for 'false knock'. I'm hoping I just didn't have enough oil up top causing some chatter instead of rods being sad (big hopium/copium I know) LS's definitely heat up the oil more than RB's do, the stock vettes for example will hit 300F(150C) in a lap or two and happily track for years and years. This is the same oil cooler that I had when I was in RB land, being the Setrab 25 row oil cooler HEL thing. I did think about putting a fan in there to pull air out more, though I don't know if that will actually help in huge load situations with lots of speed. I think when I had the auto cooler. The leak is where the block runs to the oil cooler lines, the OEM/Dash oil pressure sender is connected at that junction and is what broke. I'm actually quite curious to see how much oil in total capacity is actually left in the engine. As it currently stands I'm waiting on that bush to adapt the sender to it. The sump is still full (?) of oil and the lines and accusump have been drained, but the filter and block are off. I suspect there's maybe less than 1/2 the total capacity there should be in there. I have noticed in the past that topping up oil has improved oil pressure, as reported by the dash sensor. This is all extremely sketchy hence wanting to get it sorted out lol.
×
×
  • Create New...