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Yeah - I've had that issue in the past where even though I haven't been at fault my premium has gone up. It just depends on your insurer. It seems that most insurers go through cycles of wanting to reduce their client base and then wanting to expand. If they do increase your premium a heap come renewal time, just go to another insurer as most will put you straight back onto max no claim and give a discount to get your business :)
If you nominate/provide details of the offending driver.. then you keep your no-claim bonus... Also, I am with AAMI and I have used my preferred repairer before. It drags out the process a little, but basically you have drive around and get 2 places to Fax the quote into the AAMI assessors then drive in to an AAMI centre and they give you the nod, dont know if its changed but this is how I did it a few years back.
WARNING! Don't fall for the 'take it my mate' story. Copped that one years ago. Getting a mate to do it is getting work done on the cheap.The 'mate' will do a **** job and you've got no comeback.
It is impossible to say, premiums fluctuate for a variety of reasons (e.g. other policy holders in your postcode start making a lot of claims). Your insurer may require you to pay the excess which they will refund once they determine that the other party that you have identified is at fault.Quote:
Originally Posted by ktrianta
hmm...thanks for that info...but wondering, I'm not insured with AAMI...I'm with QBE (I also work for them). I've already told QBE, but they said they would call me first thing Monday to sort it out, as it's Saturday. I assume they'll contact AAMI, get all the info, etc.Quote:
Originally Posted by goodfella
But does that mean that I have to go through AAMI to get my car fixed? I certainly hope not.
No - you definitely do not go through AAMI to get your car fixed. You go through QBE - otherwise, EVERYONE would just go with the crappiest insurer. QBE will recoup the cost from AAMI afterwards.
very true....thanks for all the info everyone! makes me feel ALOT better than I did 5 hours ago...hahaQuote:
Originally Posted by coreying
Bad luck for sure however. Back in around 1976 my mate was continually rubbing it in to me at the time that he would be getting one of the first new Golfs sold in Queensland. He finally picked it up on the Friday afternoon. He was out in it with his girlfriend for its first real drive the folowing Sunday ie 2 days later. He was cruising along at about 70kph when an idiot in an EH Holden turned across in front of him without warning. The guy claimed that the sun was in his eyes and he didn't see my mate coming.
Result was that my mate and his girlfriend spent about a week in hospital and a few weeks off work and he gained the reputation for being the owner of the first Golf ever written off in Queensland (and probably Australia).
Damn man. Reading all of this, I feel really lucky that it wasn't worse than what it seems to be: some damage to a piece of plastic.
Mate of mine last year, bought a loaded 2009 Volvo XC60. Two weeks into, got rear ended by some young girl that didn't even have a license. Got hit HARD too...she was going 50km/h. Even Volvo's aren't that strong. Long story short, took over 3 months to get his car back on the road, as no repairer was stocking any parts for his Volvo...all had to be ordered from Sweden...and they assessed the damage to be $5k less than his cars' original value...so they wouldn't replace it with a new one for him. He's basically driving a rebuilt Volvo now.
They write the car off at a far lower % of the replacement cost than that....Quote:
Originally Posted by ktrianta
For someone who works for QBE shouldn't you be asking your own company how things work?