Insurance company finally pays up for engine

Submitted: Thursday, Feb 04, 2010 at 21:58

ThreadID: 75782 Views:3136 Replies:6 FollowUps:5

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Member - Josh (TAS)

As many of you know while on our trip around oz we had some work done in Sale on our car. As a result of that work being done, damage was done to the engine causing a rebuild. Well after 8 months and lots of arguing the insurance company finally paid up. It wasn't quite the full amount but close enough for it not to be worth taking time off work to take the matter further. They say there is no admission of guilt but them paying is as good as guilty for me. If it wasn't his fault they would not have paid anything. Finally we can put this behind us and never again will I use "Sale auto electrics".
Now to decide what to spend the money on???? a Hobbie kayak maybe, or the beginning of our next trip????? Or maybe a Hobbie kayak to take on our next trip!!!!!!!!!

Josh

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Reply By: Willem - Thursday, Feb 04, 2010 at 22:09

Thursday, Feb 04, 2010 at 22:09

That's why I don't insure vehicles so that I never have to worry about having to fight for compensation somewhere down the line. Take me chances and live stress free...LOL

AnswerID: 402729

Follow Up By: Member - Josh (TAS) - Thursday, Feb 04, 2010 at 22:27

Thursday, Feb 04, 2010 at 22:27

This was his insurance company not mine and I would have been out of pocket thousands of dollars without it. Now I get to spend the money and enjoy it lol.

Josh

FollowupID: 672212

Reply By: Bonz (Vic) - Thursday, Feb 04, 2010 at 22:44

Thursday, Feb 04, 2010 at 22:44

Good outcome, there must have been a measure of contributory negligence for them to consider settlement.Well done for persevering.

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AnswerID: 402737

Follow Up By: Member - Josh (TAS) - Friday, Feb 05, 2010 at 08:51

Friday, Feb 05, 2010 at 08:51

Once they made an offer I figured we had a case against them. Just had to make them realise I wasn't going away easily.

Josh

FollowupID: 672256

Reply By: Member - Andrew (QLD) - Thursday, Feb 04, 2010 at 23:01

Thursday, Feb 04, 2010 at 23:01

Aren't you just paying back the money you spent on the rebuild? ;) No spare money to waste on some luxuries. LOL

Andrew

AnswerID: 402741

Follow Up By: Member - Josh (TAS) - Friday, Feb 05, 2010 at 08:01

Friday, Feb 05, 2010 at 08:01

I didn't get to spend it on what I wanted back then so now I can spend it on what ever I want, and I will enjoy doing that. I didn't bank on getting the money back so now to me it is spare and I get to "waste it" on whatever lol.

Josh

FollowupID: 672247

Reply By: Richard W (NSW) - Friday, Feb 05, 2010 at 08:10

Friday, Feb 05, 2010 at 08:10

Josh,

Sounds like a reasonable outcome.
How hard did you push?
Did you go through Fair Trading?
Did you get a report from an expert to prove your case or did you just argue it yourself?
Enjoy the proceeds.

AnswerID: 402773

Follow Up By: Member - Josh (TAS) - Friday, Feb 05, 2010 at 08:50

Friday, Feb 05, 2010 at 08:50

We had independent mechanical reports stating the cause of the damage linked directly to the work done earlier. The insurance company had an assessor look at the vehicle who agreed with our report but said because of the age of the car the insurance won't want to pay fully. I didn't really want to go through small claims tribunal cause I would have to take time off work to put my case forward as I'm in Tassie and it would be in Vic. We simply would not take their argument as fair and kept pushing our argument until they came up with what we were happy with. We used a lot of threats of going to court and just kept at them until we were happy. It took a lot to keep going but worth it in the long run.

Josh

FollowupID: 672255

Reply By: PradOz - Friday, Feb 05, 2010 at 11:44

Friday, Feb 05, 2010 at 11:44

Well done Josh. Is that "Hobby kayak" you are looking at called the "Spirit" by any chance, so you can find your way back over to civilisation ;)) Must be a decent payout if you want to buy that! Just kidding, thats good news. Its always great when someone has a legit claim and the insurer pays. People battle insurers for so long and many without any luck even when they are 'right' - its good news, enjoy - cheers mick....

AnswerID: 402812

Follow Up By: Member - Josh (TAS) - Saturday, Feb 06, 2010 at 22:39

Saturday, Feb 06, 2010 at 22:39

Thanks Mick,
i'm glad it is over with and I can move on. The biggest thing that got me was his attitude, could not care less. Hopefully his premium goes up now lol. I hear they are looking at some new ships before long so the spirit might be up for sale soon lol.

Josh

FollowupID: 672537