MSABBY
insured or not?
hey people
a while ago my car got writtin off. but its still driveable and has rego till june.
jus wondering, is my car actually still insured?
ive been payed out by the other persons insurance but my insurance doesn even no about it i think.
the car is road worthy ( i thnk)
jus a few comments im after, cheers
<---Brad Quaid = internet stalker
what sort of write off is it? Usually a write off means the car is bad enough to hand in the rego, even if it only be temporarily.
I assume you done a fair bit of work on it and fixed it? Good question!
MSABBY
it was a repairable rite off, the back left got smashed in, so all dad n i did was put a new tail light on so the back brakes can be seen. other than that, its jus a massive dint in the left back quarter panel. damage was valued at 3500$
<---Brad Quaid = internet stalker
I'm intrigued as to what you have to do to be sure you can drive it. Never thought about this... Does it say anything in the papers to do with the write off about repairs and registration? Be careful they haven't canceled rego and payed you the difference without you realising.
MSABBY
yeah im clueless also,
when we did the sorting out of insurance ect, there was nothng said about rego/roadworthy stuff. ill probly call justcar tomorow to see wats going on. if it is unreg/unrw then ive been driving illegally for nearly 3 months
Infidel Bear
Mini Putt 2 Champion!
Best you check this out
Written Off Vehicle Registration : VicRoads
"Be who you are and say what you feel, because those who mind don't matter and those who matter don't mind."
- Theodor Seuss Geisel
Tells it like it is.
If the car was written off and you have been paid out for it, it probably isn't yours. The insurance company has in fract bought the car from you at a pre-accident amount.Originally Posted by Sabby
Reaper
Infidel Bear
Mini Putt 2 Champion!
How so? It wasn't his insurance company who paid him out. Someone elses insurance company can never own your car, if it is classed as a write off you own the vehicle and the insurable amount.
"Be who you are and say what you feel, because those who mind don't matter and those who matter don't mind."
- Theodor Seuss Geisel
Tells it like it is.
When there is a crash the insurance company decides to either fix the car or "write it off". Often the owner will get quotes and present it to the at fault drivers insurance company who will either send back a cheque (after it is viewed by an assessor) or deem it un-economic to repair it and send back a settlement to the owner which will be usually the pre-crash market value of the car. They have more or less "bought" the car in this case.
I don't know how precise the original poster was with his words but from what he has written, the insurance company most probably own the car unless he negotiated keeping the wreck as part of the deal. Otherwise the insurance company send it to the Auctions and try to recoup some of their loss.
Reaper
Infidel Bear
Mini Putt 2 Champion!
When the Mrs car was written off after some stupid idiot t-boned her, his insurance company refused to take delivery of the wreck. We had to pay to have it moved from a shop to the wreckers. Maybe some work differently, but all cases I know of is that if your insurance isn't paying, the car is always yours. Even if it is written off they have to pay you while you keep your vehicle, I haven't heard of it happening any other way.
"Be who you are and say what you feel, because those who mind don't matter and those who matter don't mind."
- Theodor Seuss Geisel
Tells it like it is.
It did to my next door neighbor about 2 - 3 years ago. Turned into a fight & a half because the car was old and their offered "book" value was way under replacement.
Reaper
we like the bun
your insurance company cannot cancel your registration or neither i would think, your insurance without telling you.
a. they have no power to cancel your rego - it's nothing to do with your insurance (unless they register it as a statutory writeoff, in which case the govt authority will cancel it, which they obviously haven't in this case)
b. you've paid insurance up to a certain date. they have a responsibility to extend coverage until then, unless some other arrangement is made with your agreement (e.g. if they pay you out for the car)
Donating Member
when my bike was wrecked, the drivers at fault insurance company, NRMA, paid me market value of the bike minus what they deemed to be salvage value. I talked to the assessor and they said because it wasnt me that was insured they could not place it on the write off regisister.
I had no problem re-registering it next time the rego came due.
heres my ride, i know its not much but its mine
http://forums.justcommodores.com.au/...-ss-crewy.html
and heres my new project
http://forums.justcommodores.com.au/...ml#post1104629
we like the bun
yeah that's right. it's logical that insurance companies, which nominate whether a vehicle is a stat. or repairable write off, can only do so for vehicles in their possession/ownership.
they can't walk around and decide to make other people's cars unregisterable. would be a fun job though
MSABBY
yeah all sounds good, what happened was....
she hit me..
i got it assessed by her insurance company..
her insurance payed me 2800 and the car or 3100 and no car.
i kept the car, got the cheque and havent herd anythng else.
i herd rego expires in june tho, as i cant re register it aparently
Infidel Bear
Mini Putt 2 Champion!
Did you check and follow up this link?
Written Off Vehicle Registration : VicRoads
"Be who you are and say what you feel, because those who mind don't matter and those who matter don't mind."
- Theodor Seuss Geisel
MSABBY
yeah cheers
it ses that a repairable write off can be re reg after its been fixed.
im not fixiing it so cant re reg.
Tells it like it is.
Ok.... That makes sense. If you took the lower value the car is still yours. Check if the car is still registered and I'd think you would be ok.
Reaper
a lady ran into me las year. my car (vp exec commy) was a repairable write off the panal beaters told me there was about 6 thousand dollars worth of damage to it. i had to go to the wreckers and get a quote on how much they wld give me. and it had to be writen out and sighned by the manager of the wreackers with the cheque photo copyed and sent away to rentsure (the insurence company of the other driver). they said they would not give me any money until i had sent that away to them as proof. so i really did not have any option but to hand the car over. depends what the insurence company wants to do i spose. they jus said to me take it down to the wreackers and see how much you will get for it and we will pay the rest
MSABBY
yeah they sed that to me also, take it to wreckers to get more money. but as my car was still drivable it was still good to me, now that i really gotta get a new car i went to the wrekers n they sed 100 bux. my steering wheel is worth more than that.
im trying to sell it for parts or whole
if its a 5 speed i would take that out and sell it depending on how good it is iv seen them go for up to a grand. yeah if i were you i would start sellen parts off it you will get more than sellen it whole
Wreckers are wankers. They will give you $100 bucks for you car and make a fortune off it. Strip it and sell the parts on ebay or even calaisturbo....
My mate crashed his car and bent the chasis. The car was towed to the wreckers and he was given $70 for it. He asked them how much they will sell the exhaust back to him (Brand new 2.5") and they said $120...
1988 VL Berlina turbo 5 speed
http://forums.justcommodores.com.au/...ml#post1446411
1987 VL SL turbo 5 speed ~STOLEN~
http://forums.justcommodores.com.au/...ed-manual.html
<---Brad Quaid = internet stalker
funnily enough that is their job.....
MSABBY
thats rough as. i cant get onto calaisturbo coz i dont have a paid web email. last time i checked u need a mail box that isnt free. as in, u cant use hotmail.
otherwise ide chuck it on that site
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