from people who likely understand. I was driving a ute up until a couple of weeks ago. Someone t-boned me. Now i'm driving a camry. And it's likely to be 8-10 weeks for a certain part to come in. I'm grateful for the camry. But man i miss the convenience and lifestyle of the ute. And the camry isn't going to be much help when we move in 3 weeks. *Just having a moan*
m16d,
Oct 2, 9:08pm
Well. a T boned ute can be fixed. . a T boned Camry would be f'''ked.
mechnificent,
Oct 2, 9:11pm
First world problem. Be grateful you are alive and have been given another car at all.
tgray,
Oct 2, 9:16pm
Sympathy? no. Empathy? I can do that.
supernova2,
Oct 2, 9:57pm
How important is the part you are waiting for? Can they not get a 2nd hand part? Is this an insurance job? Are you covered for a replacement vehicle? If so it should be another ute and not a car. If it's just a courtesy car then you are lucky to have got anything.
Is that 10 weeks from the accident or from now? If from now thats more like 12 weeks.
Once this part arrives any indication of how much time is required after that to complete the repair?
I'm thinking that the length of the delay might be grounds to insist that the vehicle be written off.
totalimp,
Oct 3, 2:19am
It initially was written off, insurance read the wrong report though apparently. It got messy and I don’t know the whole story. It’s still being told! Mentioned part is a rear diff. Ute is being reassessed today cause there’s been a few problems with the initial report. Tray is being taken off to see if there’s any chassis damage. The Camry is a rental car provided by the insurance company so yes I’m lucky and I know I am. Still, I’m allowed a little moan.
supernova2,
Oct 3, 4:45am
Ouch what a shambles. IMHO the rental should be a Ute. The purpose of insurance is to leave you in the same position as before the incident. So to achieve that you should get a rental ute. Hope that the rims are being checked as well as the diff. If its taken a knock bad enough to require a new diff the chances are the springs, rims and tyres might be toast as well.
Yes you have my sympathy and my empathy.
lookoutas,
Oct 3, 5:22am
A squeaky wheel gets the oil.
If you got T-boned I have to assume it's not your fault, and the other party's insurance will be springing for it. After your's pays the bill of course. They usually bend over a fair bit in these cases, mainly to shut you up, and a lengthily wait is a trump in your hand.
Go back to my first suggestion. Turn into the most awkward prick you can imagine.
totalimp,
Oct 3, 7:49am
yeah 2 months old! Good eh. We've got the replacement policy. The dealer had a new ute lined up for us after the insurance co approved the replacement. We were a day away from picking it up and they decided it was a c0ck up. Ironicaly, we are massively out of pocket and we loose either way. I've had to replace kids car seats - have been reimbursed a % for them. Allbeit a good percentage, but am still out of pocket. I've had to take 2 days off work from aches and pains, and being a temp I didn't get paid. If we were to get a new ute, we'd have to pay double insurance premiums for 10 months (we pay insurance monthly, and being 2 months old we've got 10 months left on the insurance "contract". If we get the ute repaired and back there's always gonna be the "is that now a weak spot" right by my kids seat/door.
totalimp,
Oct 3, 7:52am
Noe not my fault. A lady drove through a give way sign. I've thrown everything i can throw at them. I've been polite and i've been political but it's just a waiting game. They're insisting on it being repairable, it's being re-assessed by someone reputable and trustworthy in my eyes so we'll see.
Perfect weather this arvo for fish n chips in the ute tray at the beach tonight, sucks to think we can't do that for the next 2-3-4 months.
supernova2,
Oct 3, 8:00am
You can claim against the other driver for any costs you have incurred over and above what your insurance pays out. That would include the double insurance premium. You would need to lodge a claim in the disputes tribunal. Don't let her get away with it.
totalimp,
Oct 3, 10:08am
Oh, that’s good to know. Shame I didn’t get her details. Police attended the scene and we were kept apart. Will keep that in mind incase I can get her details.
noswalg,
Oct 3, 5:16pm
A mate of mine got T-boned in his new Ranger, it took about the same time to repair as yours, intially the Insurance co put him in a car until he made some noise then they hired him a Hilux.
supernova2,
Oct 3, 7:56pm
Ask the police for that info. Then write to her and tell her you intend to chase her for the additional costs. Be polite but do mention that the more it drags on the costs are increasing.
I'd do it now. That way, with a bit of luck, she might start screaming at her insurers and it might speed things up for you.
In respect of having to pay 2 insurance premiums are you sure that's right? I haven't looked it up but it sounds a bit odd as normally after a total loss (write off) a policy is then null and void.
My initial thinking is that if you can have a policy where you pay annually and cancel after say 6 months you then get a partial refund of premium so in effect you are been charged for the length of time you were covered. If you pay monthly then really you are only insured for a month at a time so why should you pay for the other (say) 11 months after the policy no longer exists? If you sold the car after say 7 months (and obviously cancelled the policy) why would you keep paying a premium for the remaining 5 months?
totalimp,
Oct 3, 8:23pm
Something along the lines of. The insurance company and you had a contract for 12 months, you choose to ‘pay it off monthly’. They repair/replace in good faith as per that contract that you’ve paid in full. I can’t remember the exact wording said to me but it’s along those lines. I’ll look into it further. It’s only applicable if the Ute is written off. If it’s fixed then the contract continues. I thought it was stink (to put it politely) but apparently that’s the norm. I don’t think anything will speed them up, it’ll get reassessed, if it’s fixable they’ll fix it but it’s dependent on the timing of the parts. If it’s a replace then they’ll replace quickly. I’ll hurry them up today to get it towed so my panel heater can do his thing though. Hey thanks for the advice, out of all the people I’ve spoken to no one has mentioned that. And there’s been at least 20 from that industry I’ve spoken to.
lookoutas,
Jan 3, 9:48pm
Unfortunately - it always costs you, and in a third party case it's not fair. But that's how it is. We have just had a similar case. 2 weeks old and 6K (long distance delivery van) The Insurance Co deemed it to be economically repairable, but the owners put their foot down. Do you have a stroppy wife? Having an Insurance Co getting one of them raving at them every day, and they will soon opt out of it just for peace sake! Don't scoff at it - it's happened many times.
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