AlexVSII
Member
- Joined
- Sep 2, 2011
- Messages
- 128
- Reaction score
- 0
- Points
- 16
- Location
- Lithgow, NSW
- Members Ride
- 1996 Holden VS Commodore S, 3.8 n/a
Recently I was involved in a minor motor vehicle accident in which I was the not at fault party. A car hit me as they left a parking space and now as a result there is some scratching and dents along the left hand side of my car. Nothing too major, the car is still safe and driveable, but it's major enough it will need to be fixed.
I am fully, comprehensively insured with NRMA for an agreed value of $5,000. The other, at fault driver is insured by AAMI. I have spoken to both insurance companies. AAMI have offered to take the car to one of their "assessment centres" and arrange repairs. This would take "5 to 7 working days" and they will "re imburse me the costs of a hire car" while I do not have my own car. NRMA have also said I can make a not at fault claim through them, and that they "might" be able to assist with providing a hire car for the time my car is off the road. Both I myself and family members have had dealings with NRMA insurance and have found the standard of their repairers to be quite high. I've never dealt with AAMI before so I'm unsure as to the standard of repairs that they do.
I find myself now considering a few key points, being.
1. What are AAMI repairers generally like? Am I likely to get my car "repaired" using bog by by a "dodgy brothers" style operation or do they do professional, high standard repairs?
2. What am I entitled to claim re a hire car while my car is off the road. I am presently working shifts including early starts and late finishes, sometimes well after the last trains have finished for the evening. My own reliable independent transportation is a fairly high priority for me at this time. As I am the not at fault party, can I add reasonable hire car expenses to my claim, even if I do go through NRMA-bearing in mind I am a 21 year old P plate driver so it is likely to cost a fair amount.
3. What is the likelyhood of them just writing the car off. I would prefer the car not be written off, it's a mechanically sound car. If it is written off, what are my options regarding buying it back and "repairing" it, given the damage is superficial and not structural. As I understand NRMA can write the car off without my agreeance but AAMI are somewhat restricted from doing so.
If anyone has had any experience with insurance repairs done through AAMI and wish to share, I would be appreciative.
I am fully, comprehensively insured with NRMA for an agreed value of $5,000. The other, at fault driver is insured by AAMI. I have spoken to both insurance companies. AAMI have offered to take the car to one of their "assessment centres" and arrange repairs. This would take "5 to 7 working days" and they will "re imburse me the costs of a hire car" while I do not have my own car. NRMA have also said I can make a not at fault claim through them, and that they "might" be able to assist with providing a hire car for the time my car is off the road. Both I myself and family members have had dealings with NRMA insurance and have found the standard of their repairers to be quite high. I've never dealt with AAMI before so I'm unsure as to the standard of repairs that they do.
I find myself now considering a few key points, being.
1. What are AAMI repairers generally like? Am I likely to get my car "repaired" using bog by by a "dodgy brothers" style operation or do they do professional, high standard repairs?
2. What am I entitled to claim re a hire car while my car is off the road. I am presently working shifts including early starts and late finishes, sometimes well after the last trains have finished for the evening. My own reliable independent transportation is a fairly high priority for me at this time. As I am the not at fault party, can I add reasonable hire car expenses to my claim, even if I do go through NRMA-bearing in mind I am a 21 year old P plate driver so it is likely to cost a fair amount.
3. What is the likelyhood of them just writing the car off. I would prefer the car not be written off, it's a mechanically sound car. If it is written off, what are my options regarding buying it back and "repairing" it, given the damage is superficial and not structural. As I understand NRMA can write the car off without my agreeance but AAMI are somewhat restricted from doing so.
If anyone has had any experience with insurance repairs done through AAMI and wish to share, I would be appreciative.