Vic Wasteland Thread

[Rekin]

I only have 3rd party. Does this change anything? I'd assume not seeing as I was not at fault

doesnt change anything,

The difference is that you are chasing up the person for the insurance claim number instead of Justcar.

edit: what Titan said

[Birds]

Dezz that sounds a bit shit, like they were giving you a mess around...I'd have told em where to go if I gave a shit about the car. Did they do at least do a decent repair?

[Leroy Peterson]

mmm-mmm feeling hungry

[Birds]

People: your "dispute" is with the person who hit you / you hit. Insurance companies are merely a proxy for those involved in an accident. Hypothetically, if someone wrote off your 10k car and they were only insured third party for 8k, you would still be pursuing the other 2k from that individual, not their insurance company.

With this in mind, legal resolution must occur between the parties involved in the accident. Therefore, those involved can only elect to have an insurance company represent them, i.e. they make a claim and the insurance company effectively acquires the debt and legal proceedings from their customer for as far as they are covered in their PDS.

Now, if you are not at fault, another party's insurance company has no right to dictate to a non-customer what course of action you must take for resolution (including where it is repaired), beyond what the law states you are required to do. You have no contract with this insurance company, nor have you purhased a product from them with a PDS that you have agreed to. As a proxy for their customer, all they can do is argue that your quote(s) is unreasonable and challenge it in a judicial hearing aka VCAT. This costs $35 for a hearing. VCAT will then obtain quotes themselves from their own assessors / panel beaters to decide if your quote was actually reasonable or unreasonably high. It is the same deal when no insurance companies are involved and the parties disagree on quotes - insurance being involved doesn't change how the law works in dispute resolution.

Most insurance companies won't bother taking it this far if your quote is a grand or so higher than theirs, as they have to pay to send someone to VCAT to argue a case they could lose. Some just try to make it sound like you have to do as they say, because, if they can save even $100 on a quote, the assessor looks good to his boss.

Above all, if you are not satisfied with any repairs, you can challenge this in VCAT also. Status quo must be restored, leaving your vehicle how it was pre-accident and you without loss/damage.

Source: spent too much time in VCAT hearings and dealing with scumbags

[Birds]

And that's the last tl;dr for the day; my fingers are getting sore.

[Leroy Peterson]

im picking up a momo steering wheel tonight (same as R33 one) but thinking price is a bit steep at $450. theyre almost comon on the subarus and look the same, just not sure if the boss is the same. Seems the going price is $350 but could be a low blow. hmmmm im even driving to werribee to get it, surely thats worth something?

[paulr33]

F6 310 or FQ 340

[Birds]

It doesn't matter; you're not going to get either one of them.

[dezz]

Dezz that sounds a bit shit, like they were giving you a mess around...I'd have told em where to go if I gave a shit about the car. Did they do at least do a decent repair?

If I cared about the car I would've taken it further and would have had it repaired wherever I wanted, but being an excel all I cared about was that I was given a free hire car.

When I spoke to the other guys insurance company they tried to get out of that, telling me it's not their responsibility... They must use that tactic in the hope that people just accept it and move on. I lost my shit and all of a sudden their policy was that they will reimburse me for a hire car for costs that are 'fair and reasonable'.

That statement caused me to lose my shit once again when I requested to know how much 'fair and reasonable' was. In the end I got a car and wasn't too inconvenienced apart from having to drop my car off at the repairer.

The repairs were fine, and come with a lifetime warranty so pretty good really.

[paulr33]

maybe

[Miguelone]

im picking up a momo steering wheel tonight (same as R33 one) but thinking price is a bit steep at $450. theyre almost comon on the subarus and look the same, just not sure if the boss is the same. Seems the going price is $350 but could be a low blow. hmmmm im even driving to werribee to get it, surely thats worth something?

Wouldn't pay that much. They are worth at least a few bucks though and they're one of the few bits that are NLA. Subaru boss is different I think.

[dezz]

Aaron, c63 coupes go for more than the sedan?

Sedan has grown on me...saw a white coupe yesterday and it looked odd, think it needed a boot and something else...

[Sunkist]

Coupes are more expensive yes. I completely forgot about getting some prices for you. Sorry man. Will check in the morning and let you know

I thought the same sedans look heaps better

[emts]

fuaaaark

some dude just lunched his commo HARD about 200m from my house...

came off the highway and tank slapped it right into a power pole...

he dead

http://www.news.com.au/national/victoria/teen-critical-after-car-crash-in-brighton-east/story-fnii5sms-1226788658795

is this the one...might not be as bad as first thought

[Birds]

If I cared about the car I would've taken it further and would have had it repaired wherever I wanted, but being an excel all I cared about was that I was given a free hire car.

When I spoke to the other guys insurance company they tried to get out of that, telling me it's not their responsibility... They must use that tactic in the hope that people just accept it and move on. I lost my shit and all of a sudden their policy was that they will reimburse me for a hire car for costs that are 'fair and reasonable'.

That statement caused me to lose my shit once again when I requested to know how much 'fair and reasonable' was. In the end I got a car and wasn't too inconvenienced apart from having to drop my car off at the repairer.

The repairs were fine, and come with a lifetime warranty so pretty good really.

That's alright then. Yep,that's exactly what they do...prey on ignorance with the common man...but the moment you show them that you know what you are talking about and what you are entitled to, they will move for you because they know it's illegal.

[r34abz]

Hey brahs i've gotta do a drive test on friday, would I be able to take my car for the test? It's roadworthy but quite loud and a lil bit hard to see out of rear window and quarter glasses, reckon they'd let me do the test in it?

[Odium]

wait... you don't have your licence yet?

[Miguelone]

He's getting license changed to manual? Should be fine, handbrake is in the right spot, all your lights work? that's about all they care about really.

[Birds]

Do driving test with an instructor IMO. They usually know the testers and do a good job of keeping them half distracted while you drive.

Have heard that doing the test in your own car can hurt your chances. Pretty sure it has to be a roadworthy car and, well, the cops look down on Skyline drivers, so maybe VicRoads staff will too?

[joeyjoejoejuniorshabadoo]

F6 310 or FQ 340

e8MR or e9

with almost no money spent is quicker AND more responsive than FQ

and F6 depends on how much you want to mod