My poor girl

 

So here she is and she lays in state at the smash repairers awaiting her fate. From an initial look the smash repairer reckons a write off 

I've put a lot of extras on her including new suspension that was going to be tested on the Gnaraloo track at the end of the month. 

So a couple of parts to this post, firstly as a preemptive I've been out to look at replacement cars and took a V6 8 speed Sportline Amarok for a test run yesterday, well it nearly pulled my face off with the kickdown torque heading onto Roe Highway. With their end of financial year runout deals it's going to be hard to beat  at 1.8% finance. She will of course need extras like long range fuel tank, roo bar, well liner and tow ball to start. But the finish of the car is exemplary, good old German engineering.

Ok second part of this post is for anyone with legal mind. So my car was only insured for market value and when I get paid out I reckon I'll be about $7.5k out of pocket for all the extras ( for something that wasn't my fault FFS) Has anyone heard of a precedent of the other party being sued for this? 

 

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Dale's picture

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Date Joined: 13/09/05

Sat, 2018-06-09 19:24

 Bugger! That’s a crying shame Andy.

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Faulkner Family's picture

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 to be honest, i dont like

Sat, 2018-06-09 19:49

 to be honest, i dont like your chances about the extras. best bet would be to speak to your insurer and then they deal with the other party about it. also, market value will be a lot less than you would expect. 

we had a car written off a few years back by a drunk driver, to replace the car it would have cost about 4k we got 2k from insurance, 

not good at all about the car tho. hope you get a replacement before your planned trip

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Rob H's picture

Posts: 4808

Date Joined: 18/01/12

 Speak to sunshine.In the

Sat, 2018-06-09 20:43

 Speak to sunshine.

In the past Ive heard of the insurance company claiming actual value and paying the extra if they get it.

But these days they mostly have the same underwriters so wouldn't happen I reckon

Thinking about it though, you need to speak to your insurance company as when they settle the claim normally it will be full and final payment for the other company and you won't get past that.

Sunshine...

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sea-kem's picture

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 Yep I hear you Rob, I'm

Sat, 2018-06-09 20:55

 Yep I hear you Rob, I'm prepared to play a little hardball if they want to keep my business.  But I reckon they'll just brush it off without a care.

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Posts: 526

Date Joined: 30/12/09

They will bend if you got a

Sun, 2018-06-10 07:16

They will bend if you got a few things insured with them I have found. I had to threaten them I would change everything over when they wanted to put second hand parts on my clubsport. They told the panel beater that it was over 10years old so just put a second hand front spoiler on it. The panel beater rang me and told me. After a talk with the assessor and his boss the new one was ordered. The car was insured for an agreed value. 

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clarky29's picture

Posts: 29

Date Joined: 15/04/15

Check out club 4x4

Sat, 2018-06-09 20:50

 They insure your car and then you can cover all your extras on top of that. My ute has market value for 21k and then another 9k in extras that dont depreciate. Might cost a little more than other companies but they cover your vehicle no matter where you are. I found them quite competitive but by far the best cover for your 4wd.

Swompa's picture

Posts: 2172

Date Joined: 14/10/12

 Is that in St James? Bugger

Sat, 2018-06-09 21:04

 Is that in St James?

 

Bugger about the prang, I do know of people who have removed add on's to the car before letting insurance get to it as they won't get them back.

sea-kem's picture

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 Yeah mate, Hill View terrace

Sat, 2018-06-09 21:20

 Yeah mate, Hill View terrace and Berwick st.

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gillyL's picture

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Date Joined: 26/04/14

 wonder how much it would

Sat, 2018-06-09 21:10

 wonder how much it would cost to buy it back written off and wreck it yourself to recoup some coin

 

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sea-kem's picture

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Date Joined: 30/11/09

 That has crossed my mind

Sat, 2018-06-09 21:21

 That has crossed my mind Gilly. Even just fore the tyres and rims.

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Deckie's picture

Posts: 1163

Date Joined: 03/04/09

Covered.

Mon, 2018-06-11 09:00

I had my Mustang insured but in the deal if it was a wright off, I get to keep the wreck.
Maybe check to see if this is part of yours then you can get another WildTrack & change over the parts. A long shot but maybe worth a look.
Good luck with it all & I hope you get it sorted before the trip north.

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Dale's picture

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Date Joined: 13/09/05

Sat, 2018-06-09 21:10

 My Ute was only around $18.5k market value, but I paid for an agreed value of $21k, so if I get into the same as Andy, I hope they pay the agreed amount.

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Paul H's picture

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Date Joined: 18/01/07

Market value should include

Sat, 2018-06-09 22:26

Market value should include the extras - if you were to sell the car this would increase the market value

That said a lot of policies state you need to specify any extras on the policy (so they can determine if this increases risk/premium)

Do you have other policies with the same insurer - if so point this out and tell them iyou prepared to shop around and move the lot.  They may bump settlement up to keep you

 

Specify any extras you have with the new car so they are listed on the policy

 

-Is they party at fault insured - if so you might be in a better position - your insurer can recover costs or you could try claiming direct against his insurer first

 

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Cruise Control's picture

Posts: 861

Date Joined: 03/11/10

 If there is one thing that I

Sat, 2018-06-09 22:44

 If there is one thing that I have learned with insurers it is that they will pay the least possible amount that they can get away with.

I have found though when you push back and don't accept what they are force feeding you they do bend. You just have to not accept if it's not fair. Keep on going up the chain until you find someone that will talk to you and put your case forward so that you get something for your extras, either additional money or if they won't cover them, then take them back. They can't have it both ways.

its often slow and sometimes requires some pretty direct talking but I have found that it works especially if you are a long term client or have a lot of business with them.

Good luck.

TF in DZ's picture

Posts: 47

Date Joined: 06/01/17

Insure extras

Sun, 2018-06-10 06:13

That's a real bugger and no amount of insurance covers the invonvieniece you just got to be glad no one was hurt bad the other car must of looked pretty munted, at least you were not killed by the airbags.

On all our work vehicles we have to list extras to have them covered eg roobars, toolboxes, minespec crap etc.

The tray cover would be worth getting off if you can as well I priced up when looking at a ute and they were not cheap.

piston broke's picture

Posts: 660

Date Joined: 05/11/08

It doesn't look

Sun, 2018-06-10 07:46

 like a write off Andy. Is there more damage to the drivers side?  Having said that, if the engine bay is twisted, then it probably is a write off. cheers Pete.

Rob H's picture

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Date Joined: 18/01/12

 Only needs the slightest

Sun, 2018-06-10 08:46

 Only needs the slightest movement in the front pillar to be a write off.

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 Give a man a mask, and he'll show you his true face...

 

 

The older you get the more you realize that no one has a f++king clue what they're doing.

Everyone's just winging it.

 

sea-kem's picture

Posts: 10731

Date Joined: 30/11/09

 I'll find out tomorrow but

Sun, 2018-06-10 08:56

 I'll find out tomorrow but the steering is munted, both air bags deployed and if I ever smell the smell from those things again I'll power vomit. 

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sea-kem's picture

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Date Joined: 30/11/09

 Thanks Bruce, I certainly

Sun, 2018-06-10 08:58

 Thanks Bruce, I certainly won't let think I'm a pushover. I have my work truck and boat insured with them as well, have been with them for over 16 years and have never made a claim.

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sunshine's picture

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Andy....pm sent

Sun, 2018-06-10 08:59

 Sorry but the most important thing is that you are ok!

sea-kem's picture

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Date Joined: 30/11/09

 Yeah thanks mate, I was

Sun, 2018-06-10 09:02

 Yeah thanks mate, I was feeling a bit crook for a couple of days. And I thankfully the young girls in the other car were too, I don't know how I'd come to terms with severely injuring or even killing a young child like that even though not my fault. 

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gruntre69's picture

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Date Joined: 15/10/16

Good t I o hear nobody was

Sun, 2018-06-10 10:17

Good t I o hear nobody was hurt. I would take off any small addons before they make a decision while it's still legally your property. 

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Jarrod's picture

Posts: 39

Date Joined: 08/12/07

We had our insurance company

Sun, 2018-06-10 23:46

We had our insurance company tell us that our little Corolla would be a write-off and they would pay about $2000 as it was insured for market value. We told them to try to find one in similar condition with the same kms for anywhere near that low price. The lowest we could find was $4000. They changed their mind and repaired it.

pelagicyachts's picture

Posts: 761

Date Joined: 23/02/11

those ARB bars are strong! -

Mon, 2018-06-11 09:02

those ARB bars are strong! - good to hear no one hurt

Matt T's picture

Posts: 861

Date Joined: 19/11/07

Check your wording

Mon, 2018-06-11 09:25

Hi - I'm an Insurance Broker that specialises in transport. First thing you should do is check your wording - you may have a replacement clause in there in the event of a write off (up to 3 years on some policies). The check check to see if accessories are included in the sum insured or have to listed. If they are not covered, then you should be able to remove them from the salvage as they will not be forming part of the claim. 

Just general advice only, I've not taken your personal circumstance into consideration.

PM me if you want a chat. 

sea-kem's picture

Posts: 10731

Date Joined: 30/11/09

 Thanks Matt, I've also

Mon, 2018-06-11 09:55

 Thanks Matt, I've also spoken with Gordon (Sunshine) and the market value wording does indeed include extras

 

 Your vehicle is insured for market value. The market value includes all modifications, options and accessories attached to your vehicle at the date of an incident.

So this is promising, should hear in the next day or so of her fate.

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Posts: 74

Date Joined: 29/03/13

 G'dayGlad no one seriously

Mon, 2018-06-11 13:28

 G'day

Glad no one seriously hurt.  Only a pain in the neck from the inconvenience side of things.   Here in SA the RAA have good policies which may be replicated over there in the west for your next vehicle if applicable?  Here's an excerpt

Lifetime Vehicle Replacement
If your vehicle is manufactured 2014 and after and you have
owned it, and insured it with us, since new, no matter how
old it is at the time of total loss, we will replace it with a brand
new vehicle.
Cheers
Rod
tot's picture

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Date Joined: 31/01/10

Wowsers Andy glad all ok

Sun, 2018-06-17 08:04

 but don’t worry about the track you could sit on 100 in a Lamborghini , seriously!

talk soon

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sea-kem's picture

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 Looking forward to it mate.

Sun, 2018-06-17 08:25

 Looking forward to it mate.

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sea-kem's picture

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Date Joined: 30/11/09

 So a quick update, she's

Wed, 2018-06-20 12:57

 So a quick update, she's been officially written off with a payout figure of 47k which I think is fair. The hunt is on in earnest for a new car.

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Doc's picture

Posts: 336

Date Joined: 29/05/16

 Gee, it doesn’t take much to

Wed, 2018-06-20 13:07

 Gee, it doesn’t take much to write off a vehicle any more.

 

Darren253's picture

Posts: 352

Date Joined: 23/07/16

Thats because they will

Wed, 2018-06-20 13:34

Thats because they will probably sell it as a repairable writeoff for over $30k, with there liability capped at the circa $17k GAP.

Darren253's picture

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Date Joined: 23/07/16

Double Post

Wed, 2018-06-20 13:11

Double Post

still trying's picture

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Date Joined: 27/06/17

 As much of a pain that it is

Wed, 2018-06-20 13:17

 As much of a pain that it is at least you will own a car that when you decide to sell it hasn't lost value because it's been crashed 

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sea-kem's picture

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Date Joined: 30/11/09

 Thanks mate, they reckon it

Wed, 2018-06-20 14:18

 Thanks mate, they reckon it requires a new chassis so not worth it. 

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