Thanks for the wake up call, Mum...

[Preen59]

Hey Mickey,

Here's a way to produce an irrefutable argument about the value of your car. Get a quote for agreed value insurance from NRMA, you can get one online. I just ran some numbers through on a 97 VR6 and it accepted an agreed value of $7,500, I saved a copy if you want it. No way could they argue against one of their own quotes.

Cheers

George

That is a VERY good idea.

[Kiel_GTI]

Aaaaaaaand there's the money shot. That's what I'm saying, it's pointless trying to comprehensively insure ANYTHING until you're far, far away from 'kid' years.

if feaseable theres always the option of registering the car in one of your parents names and insuring under their name with you as the primary driver, thats what i do and at 19 years of age i pay about $1050 for my polo.

however sometimes people are not always able to do that.

[Mrk_Mickey]

Mike VR6 just sold his for $7000 and he works for an insurance company. I`m sure he`ll write you something on headed paper if you ask him nicely.
I have his phone number, pm me if you want it.

PM sending.

Mick: Hello
Assessor: Hello
M: So you are an NRMA assessor right?
A: Yes
M: And you think that you are pretty good at your job?
A: Yes
M: Well, my name is Mick and I am calling from the national insurance assessors league and want to have a comversation regarding a valuation that you did recently that was off the mark that has now taken you out of contention from the assessor of the year award.*
A: Whoa
M: Well, there is this VR6...

*this award has a prize of 1 can of heinz baked beans.

Wanna try it for me dude?

[Mrk_Mickey]

Ok so here's a quick update as I FINALLY got a call back from the NRMA today.

The person responsible for the whole ''settlement'' negotiations spoke to me and told me that the assessor valued the car in prior condition (ie before the accident) at $4,500, and they were then prepared to offer me 4,500 less the salvgaeable value of the car which is only 750, so $3750 plus my car in total.

I said to him that I couldn't do anything with that so I will be seeking advice and I will get back to him.

This was the advice given to me by a family friend's husband who is going to help me through all this. After ringing him back and explaining what was said today, he said that the repairer who he rents a warehouse to knows the head assessor of the NRMA over at Brookvale, and because I'm on third party property I can actually insist that my car be restored to prior condition; he also said that becuase I can still drive the car around that gives me even more defence that it's ludicrous to write off the vehicle.

I now need to get in touch with the repairer he knows and show him the car/explain what i need/want done, and then i'll leave the car with him to get it re-assessed (or something along those lines). The repairer will then go to the head assessor of the NRMA who should accept the new offer because he knows the repairer well.

So...NIGHTMARE, but there might be some light at the end of this tunnel. Wish me luck everyone

[mikinoz]

because I'm on third party property I can actually insist that my car be restored to prior condition; he also said that becuase I can still drive the car around that gives me even more defence that it's ludicrous to write off the vehicle.

I was close.

[DubSteve]

Take the money and the car and get it fixed what a hassle.

I can't understand why your car is only worth that much

Also I have just realised that when my purple golf was written off I could still drive it, just the B-pillar as completed farked!

Save your pennies and get your car redone completely.

[Mrk_Mickey]

Take the money and the car and get it fixed what a hassle.

I can't understand why your car is only worth that much

Also I have just realised that when my purple golf was written off I could still drive it, just the B-pillar as completed farked!

Save your pennies and get your car redone completely.

I've just gotten off the phone with Gary, the bloke at the repairers who has said he will be able to get it re-assessed and hopefully worth more. Steve I don't wanna pay a cent for this so I'm happy to fight til I die so long as the insurance know I won't be giving up. lol...what a hassle indeed.

[Jarred]

keep at it mickey. you've got patience mate

[Mrk_Mickey]

Well I have to say I'm relieved .

I went to see the panelbeater my family friend suggested, and let me tell you he was the nicest bloke in the trade that I've ever dealt with hands down. He completely understands the situation and wasn't afraid to be perfectly honest about all the costs and exactly how he'd go about repairing my car.

The payout figure of $3,750 that the NRMA are offering will easily cover the cost of the repair he says. Despite that, I'm still going to tell the NRMA the least they could do instead of insulting me with $4,500 minus car value, is to give me the full $4,500..we'll see how we go. The car will go in for repairs most likely in two weeks time and it shouldn't be too long before it's completely back to normal.


I still hate insurance though!

[mikepologti]

F#cking insurance companies are scammers.they try to get away with anything, if you give them half the chance.

[thestu]

glad you get to get it fixed mickey stupid insurance companies!!!!

[Mrk_Mickey]

Final update...

I accepted a reviewed offer of $4200 plus car ($4950-750 salvage value). That will cover repairs and probably some other stuff I've needed to do for a little while.

Thanks for everyone's advice; this is now finally over and I can completely disregard myself from anything and EVERYTING to do with the n-arse-m-a

Cheers!

[Spyda]

Not all over mate, still have to deal with panel beaters haha.

[Treza360]

Good to hear mate. Hopefully your panel beater is a good bloke and can do a top notch job for you and get her all back to straight and shiny.
Lesson from this I think is to park in front of another car maybe or up in the front yard if you can?
Cheers,
Trent

[DubSteve]

Not all over mate, still have to deal with panel beaters haha.

Haha true and when a panel beater will say 3 weeks expect to not have a car for 5 weeks