Crash Repairer, Sydney

Hey there,

My GSF250 Bandit was involved in a mingle with a car a week ago and I need
to take it to a repairer to get a quote for insurance. Could anyone
recommend a good one in the Sydney area. Also, I am claiming on the owner of
the cars insurance and taking the unrideable motorcycle to my home from the
crash site already cost me $60 in ute hire. Taking it to get quotes could
cost another $120 in hire fees. I asked NRMA if this would be refunded to
me, but the man said it is up to the assessor. Surely I should not be out of
pocket in any way. What's your opinion on this?

Thanks for any help;
AlexV

 

If the vehicle is not rideable it is unrealistic for you to get more than one
quote so don't bother taking it to more than one place. Ask the repairer
doing the quote to include the towing charges (ute hire) on the quote and
attach the receipt to the quote. The at fault driver (or his insurance
company) is liable for the towing charges incurred by you.
Do you have comprehensive insurance of your own? If so make your claim
through your own insurance.

Nev..
'02 CBR1100XX #2

 

one would expect recompense for traveling incurred or they assessor
would come to your place at no charge.

 

Do you have comprehensive insurance of your own? If so make your claim

I do have comprehensive insurance, and it is with the same company, that
being NRMA. It might be a little late now though, becuase the other party
has sent in a claim form and all they are waiting on is the quote. Why is it
better to claim on my insurance?

AlexV

 

You're not "claiming" on your insurance in the true sense, because you're
not the at fault driver, but rather "reporting" it, because the other party
is at fault. You should have advised the insurers that the vehicle was
involved in a stack, and they take care of it from there...

Adam

 

Because that's what you're paying the premium for!!

If you claim on your insurance they will fix your bike and then go about
trying to recoup their costs from the at fault party in the accident. If the
accident was not your fault you won't be penalized. It shouldn't cost you any
more. You shouldn't have to pay any excess. Your bike should be repaired
ASAP. You pay the premium to them so they will work swiftly on your behalf,
or at least you hope they will.

If you just make a third party claim against his policy, they will not take
into account that you have a policy with them. You will have to wait until
they are ready to process the claim. You can call them every day to hassle
them, it won't make them act any faster because you are not their customer,
you are the third party claiming on his policy.

Years ago my car was t-boned at an intersection. Both the at fault driver and
I had insurance with RACV. He had comprehensive insurance and I had only 3rd
party insurance, so I had to make a claim against his policy as the third
party. The day after the accident I had a quote done on my car. The RACV
assessor happened to be at the panel beater I went to when my car was there so
he assessed the damage and approved the quote that day, less than 24 hours
after the accident. The bloke who hit me had his car fixed 2 weeks later (he
lived nearby and I checked).. I didn't get a cheque from RACV for the damage
to my car for almost 4 months.

Nev..
'02 CBR1100XX #2

 

Nev

some valid points. but theres one thing to look out for here.
If you have a $15k bike insured for less...say $10k (often the case) and
you want to make a not-at-fault claim, its much better to do it with
THEIR insurance company.

If its write-off material, your insurer will pay out $10k and recoup
from their insurer.
If you lodge it with their insurer, they will pay out the value of the
bike which is much better for you.

If its only a repair job, its probably much of a muchness but I'd still
be inclined to lodge it with their insurer.
Ive seen a number of cases where mates lodging not-at-fault claims with
their insurers have their no-claim-bonuses affected due to ineptitude.
Its easier to just bypass it all.

ymmv
dane

 

Why would you knowingly underinsure your property? This does not compute.

This may be the case in some situations, but I wouldn't NOT claim on my own
insurance just because I was afraid that there was a slight chance of things
going wonky. You're paying comprehensive insurance for the privilege of
having your bike fixed in the case (any case) that it gets damaged in an
accident, and you're paying for the insurance company to do all the dirty
work, fucking around with paperwork, hassling people and insurance companies
for you. It's built into the cost of the premium. If your bike is damaged in
an accident and you can nominate someone else as the at fault party, and you
don't claim, then you have flushed part of your insurance premium down the
toilet. I just got my renewal today.. $971. Be fucked if I'm going to do all
the dirty work fucking around chasing up someone else for money, waiting for
paperwork etc. if I have an accident which is not my fault. I pay Swann to do
that shit for me, and they can do it AFTER they've fixed my bike.

Nev..
'02 CBR1100XX #2