Welcome to today’s daily kōrero!

Anyone can make the thread, first in first served. If you are here on a day and there’s no daily thread, feel free to create it!

Anyway, it’s just a chance to talk about your day, what you have planned, what you have done, etc.

So, how’s it going?

  • NathA
    link
    fedilink
    arrow-up
    5
    ·
    7 months ago

    At the end of the claim, you should have your car back in the same condition it was prior to the accident. If repairing it is going to cost more than the vehicle’s value, then you should get its market value. Comprhensive cover (insured amount) should only come into play if you are the at-fault party.

    Your insurance company will be chasing the other party’s insurance company for the costs of getting you back on the road. Sometimes, your insurance company is the other party’s company, as well. In this situation, they are meant to stay impartial and look after you both as well as possible. That can be an issue though when they are chasing themselves for the costs of the accident. Don’t let them mess you about with insured value of the vehicle if you weren’t at fault.

    Make note of what they are saying (literally: with a pen and paper), and the dates/times of the calls. Be clear that you expect to have the vehicle repaired or replaced. This is precisely what you are paying all that money for for and the whole purpose of their existence. If they refuse, take your notes and go to IFSO.

    • sylverstream@lemmy.nz
      link
      fedilink
      arrow-up
      2
      ·
      7 months ago

      Thanks for your insights! Yes I’ve found it weird they keep referring to the insured amount.

      Will keep it in mind for further comms. Thanks again for your detailed post, this is all new to me.

    • liv@lemmy.nz
      link
      fedilink
      arrow-up
      2
      ·
      7 months ago

      They say they are going to chase the other company for payment.

      In practice, many of the insurers in New Zealand have knock for knock, agreements with each other, meaning @[email protected]’s company will actually pay their own costs and the other party’s company will pay the other party’s, regardless of fault. But they don’t usually tell customers that part.

      • sylverstream@lemmy.nz
        link
        fedilink
        arrow-up
        3
        ·
        7 months ago

        Thanks that’s insightful. I had the idea they would pay for it. But perhaps the 3rd party is also with AA I don’t know.

        • liv@lemmy.nz
          link
          fedilink
          arrow-up
          2
          ·
          7 months ago

          The concept is they pay for it. It’s just the reality is all the knock for knock crew don’t ask each other for money.