moderator- for now anyway
Mother in laws car, her problem, let her tell them whatever she wants its really none of your concern.
My kid dropped
My iPhone in the toilet it died i got it out sat it in rice for a few days took it to telstra told them it's dead they sent it away I got a new
One. If I had have told them it was dropped in the toilet I would have gotten nothing. Playing stupid and getting a new phone = better than telling truth and getting nothing. Gray area really. It's not lying but it's not telling the whole truth either
If they decline you go through the internal dispute centre, still no joy then get incontact with the insurance ombudsman and speak with a solicitor and find out what your options are.
I recently had a decision overturned by getting the ombudsman and legal council involved.
+1, i'm a strong believer on telling the truth, but in some circumstances you have gotta tell a little lie.Originally Posted by VSSS_5L
My phones screen started to flicker and one night i was trying to send an SMS and it kept flickering so i threw the bastard and it stopped it flickering, however needed a new screen which i got for free as i didnt mention i threw it, just it was flashing etc then went blank.
anyway best of luck mate, hope it works out.
Yo.
Searching for the billion
I don't think there is any problem with not having water in the radiator. You are entitled to leave your car without water / fuel / oil ... whatever on your property and reasonably expect it to still be sitting there in the morning where you left it. As for leaaving the keys in it .... that's obviously asking for trouble, but no idea how that applies to insurance claims. i'm sure if you google that question you'll find its been done before.
I don't think the insurance company will give you any issues. You were in the middle of servicing a car. The car was stolen, resulting in engine damage end of story. If they ask if the keys were in it just be honest. The keys were kept with the car which is pretty normal when doing a service.
Its a bit of a difference to leaving the engine running while you run into the milkbar
just an update, they have knocked back the clame, we will be seeking legal advice, also they (NRMA) clame that they "dont cover mecanical damage"..... Bull$hit
Make the stupid stop!
Not bullshit. I just pulled up the NRMA Product Disclosure Document. On Page 23 you will read:
General exclusions
The exclusions on this page and page 24
apply to all cover under your Policy.
not covered:
loss or damage that occurs outside
Australia
loss or damage less than any applicable
excesses
claims arising from incidents that occur
outside the period of insurance listed on
your current Certificate of Insurance
tyre damage caused by road cuts,
punctures, bursts or braking
mechanical, structural, electronic or
electrical failures
repairs to old damage
deterioration, wear, tear, rust, erosion or
other forms of corrosion
loss that occurs because you cannot use
your vehicle except to the extent your
Policy provides you with hire car cover
the cost of fixing faulty repairs
loss or damage to your vehicle while it is
on consignment
depreciation
loss of the value of your vehicle.
Interesting....Id be reading the fine print on your theft insurance to see where it says that, and EXACTLY how "mechanical damage" is defined
Edit: I can understand not covering mechanical damage, but If the damage has been caused by a theif who stole your car surely thats a different issue.
My missus car was stolen and got written off because It was recovered with a shredded tyre and suspension damage. The assessor said the cosmetic damage was repairable, but the suspension/structural and tyre damage made it not worth fixing so they paid us market value.
I agree 100% seek legal advise, and contact the Insurance Ombudsman.
go in Luxury
and ensure you read your product disclosure statement before deciding whether that product was right for you!
Good luck with it, but I think at the end of the day your fighting a losing battle.
To be honest, you say you were servicing it, confessed to not replacing the fluid and left the keys in it, then magically its stolen that night and found undamaged apart from a lunched engine, caused by the lack of fluids.
Can you not see something sus here to them ... they can investigate your claim further in an attempt to prove it was not stolen, and damaged by yourselves, which as mentioned earlier could leave you open for fraud. Is there a police report? does it mention you were servicing it the day before and didnt replace the coolant?
Searching for the billion
Don't cover mechanical damage ? uh so when you drive your car into a brick wall they are only going to fix the panelwork but not the mechanicals ?
Think of it this way... the car was worth 1-2k, she's spent 4k on it. Probably a good thing it was stolen as now she can get a better car that won't require 4k to keep it going, thus potentially saving her money.
So it's a win-win, your mum saves money and the thief had a merry time.
But anyway goodluck with insurance
Kuzman's Supercharged SV6 - MACE TUNED
They are basically saying your car broke down and youre trying to claim it on insurance. Theyre saying it without saying it.
Appeal the decision.
Leaving the keys in the car is your only mistake, and when I worked for a large insurer they always told us that some people do silly things and they do essentially insure "stupidity" (not saying you are btw).
Mechanical failure is like when youre driving along and the motor dies. Its a roadside assist and mechanic matter. You need to put it to them that the car would not likely have had the motor cook because noone was driving it as you were servicing it. The insurable "event"(theft) still occured. So they are still obligated on that front to either honour their agreement for which you are paying them for, or put it to you why they think a theft did not occur. Your mechanical failure in this instance was as a result of the car being stolen and driven.
They do in fact fix mechanical items. When cars are in front end collisions sometimes after the owner picks them up from being fixed they would overheat and breakdown on the way home due to a leak caused in the accident that wasnt picked up. Of course it has to be proven, but if it is its repaired under the claim.
Appeal it to the fullest extent, it's your right.
I also assume you lodged a police report for the theft?
Also on the being sent for investigation thing, there are things the person taking your claim has to look for while taking the claim and they ask you questions and depending on the answers it may be sent off to be checked. Things like the time of day or night the event occured, obviousl signs of forced entry, alcohol involved or the third party in an accident was known to the insured plus many more. Any fire is also sent to investigations right off the bat, regardless of any other "checklist indicators" (as theyre known) being present.
booosted
+1 You wont have any case unless you reported the car stolen to police
If there is no police report to back up your claim, who's to say you didn't cook the motor yourself...
Power is measured in DECIBEL
Police was notified right away, so yea we got a police report since day one, also when they located it it got fingerprinted etc... And yea we will take it further, not the fact for the money (due to it being worth shit all) just more the princable of it.. And today they went out an got a cruze, so yea it's starting to work out for them
And they have been contacted, they take apparently around 30 days to start looking into it
And Rk5tar thanks for that reply, may be another way for us to approach the insurance company. They are so good at dodging questions it's irritating
I know, have just been through the process myself.
No problems mate, hope it all works out. And yes youre right, it's the principle of it in the end. I understand them having to protect themselves and others against fraudulent claims, but they usually end up catching the little innocent guys in the net as well. The ones they need to catch are so easy to spot its ridiculous.
One dude I caugt out before I finished up at the company had a prang with someone. But I got the call from the person he hit who was insured with us. To try and make the process quicker we would run the other party's rego through the system to see if they were insured with us as it would then get sent to a different dept and the settlement was quicker if both parties were insured by us. Turns out the guy didnt have insurance and obviously knew he was at fault. He called up 2 hours after the accident and got a covernote for insurance. Both policies for both parties were cross referenced to each other and sent off to the investigations dept. The at fault party wouldnt be insured obviously, and whatever else was thrown at him.
Haha What a moron, nothing Suss getting insurance and claiming right away, massive unlucky choosing the same company too.. But yea I'll keep it up dated with everything, they have lost a very loyal customer and the end of the day...
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