Thanks for the wake up call, Mum...

[Mrk_Mickey]

Seriously that's ****ed mate. Don't think I can read this thread anymore until everything gets sorted, so mad. Let me know when that happens so I don't have to get so pissed off all the time...
Cheers,
Trent

Haha sorry mate, you will easily be able to imagine my state of mind then . I am currently awaiting the call from the NRMA, and when he calls me I know what to do. In simple terms, I need to prove to him with my argument and evidence that my car is worth more than 4k.

[The_Hawk]

Haha sorry mate, you will easily be able to imagine my state of mind then . I am currently awaiting the call from the NRMA, and when he calls me I know what to do. In simple terms, I need to prove to him with my argument and evidence that my car is worth more than 4k.

Like I said, work out your numbers first and start with I will not accept anything below $x,xxx in cash + keeping my car to repair myself.

[thestu]

dude thats f***ed!

hope you sort all this crap out! i hate insurance companies!

[SoVeReIgN]

Insurance companies and panel beaters are all ****s.

Thats all, you've got good advice from people in this thread so far.

[AusScare]

Bloody hell $4k, how do they think you're going to replace your car with that much. Cheapest carsales vr6 is $5.9k near you. Rediculous.

[Manaz]

Insurance companies and panel beaters are all ****s.

That's unfair. There are some good panel beaters around.

I know a good lawyer if you don't have one already Mickey.

The other alternative now is to run it through your own insurance. You won't have to pay an excess (because you can name the at-fault driver), and they're more likely to side with you on value because they will go and claim the money from the other driver's insurance. If they have your car valued at $7k, you're likely to get more money out of them than you are out of the other insurer. If they try to tell you that you have to get the car repaired by their preferred repairer, tell them it's already in a shop and has been pulled apart already for assessment, and it's not convenient for you to get it moved - since someone else is paying, they shouldn't be too difficult with it.

[RedMk2Gti]

That is the reason I never insure my car with market value. Pay a bit more for agreed value to avoid all these headache . Good luck mate.

[Mrk_Mickey]

That is the reason I never insure my car with market value. Pay a bit more for agreed value to avoid all these headache . Good luck mate.

That is exactly what my mate was talking to me about last night. I'm insured on agreed value also

[static1800]

I hate insurance companies, I got ripped off nearly half my payout from nrma when my last mk1 was written off.

Try what Manaz said, may or may not be possible at this point.

best of luck with it all.

[RedMk2Gti]

That is exactly what my mate was talking to me about last night. I'm insured on agreed value also

I lost u Mickey, if you insured your car for 7K and they now decided to write it off, you'll have 7K in your pocket not 4K (no matter how much they evaluated your car), right ?

[dubbed]

I lost u Mickey, if you insured your car for 7K and they now decided to write it off, you'll have 7K in your pocket not 4K (no matter how much they evaluated your car), right ?

Yeah that doesn't make sense. Plus I don't think you can do agreed value on third party.

[DubSteve]

Also with that when my purple VR was hit I got 7.5k for it and the car back cause insurance didnt want it!

[Golf Loon]

That is the reason I never insure my car with market value. Pay a bit more for agreed value to avoid all these headache . Good luck mate.

I agree. You need to have fully comp and agree a value.
I overinsure all my cars, to avoid pain like this.
The only benefit to being over 30 and living in a country postcode is it doesnt cost too much

Where you are at now Mickey, do what the Hawk says and get your insurance company involved. If they wont, get a lawyer to write the other drive a letter of demand.

[Soundofav6]

Damn Mickey !!!! Haven't been online for only a few months and I wake up to this...

Good luck with it all.

[Mrk_Mickey]

Yeah that doesn't make sense. Plus I don't think you can do agreed value on third party.

On my third party policy, they clearly have written: Value of car agreed to cover: 7k. A mate of mine went through something almost identical to me recently and he got stung for market value because he didn't do agreed value. He told me he was told (by a smash repairer) it doesn't matter what insurance policy you have with an insurer, as long as your policy states that your car is under an agreed value, that's what you get no matter who is involved. Hopefully that gives me a leg to stand on when this LAZY SON OF A FEMALE DOG actually rings me.

Also with that when my purple VR was hit I got 7.5k for it and the car back cause insurance didnt want it!

Man that sounds like a great idea! That would be my goal if I had to write the car off lol.

I agree. You need to have fully comp and agree a value.
I overinsure all my cars, to avoid pain like this.
The only benefit to being over 30 and living in a country postcode is it doesnt cost too much

Where you are at now Mickey, do what the Hawk says and get your insurance company involved. If they wont, get a lawyer to write the other drive a letter of demand.

I'm currently awaiting the call, and then I'll play it out and see how the ''negotiations'' go...at the end of the day my mate's brother is some bigshot lawyer so he'll be able to help me if I need it. Cheers for the advice .