Insurance companies are grand little things aren't they?
Years back I hit a kangaroo then slammed headlong into a tree. The impact was so severe it ripped the front wheel off the car, and broke the engine
free of it's mounts. I was in hospital for about a week with cracked ribs and numerous other injuries, and when I finally got out to see the
insurance agent about it, the idiot actually said he was going to see if the car was fixable before they paid out for it. I mean even the guy who
towed it away said he never had so much trouble extracting a car from a tree. It took three weeks before they finally realised it was dead and paid
The second one I had was getting my tyres slashed by a random idiot. Basically he did two tyres, got scared off by someone, and while I was inside
making a phone call to the cops, came back and spiked the other two. When I rang the insurance company, they told me I had to claim as two separate
claims, each one costing me my excess twice over because I had seen the damage first, and then there was a second attack. After finally speaking to my
agent, who luckily I knew, he managed to do it as one claim, but after being without a car for about a week.
And then there's the one that beats all. I reversed into another car a few years back, dinging in the back of my 4WD. Nothing major, busted tail
light, dent in the body. But for the sake of it I decided to go through the insurance company and have the damage repaired. They recommended this
local repairer, I sent it down to get quoted, all was ready for him to repair it..
Half way through the job, the guy decides he's had enough of this life and locks his shed up, and takes off in the middle of the night, leaving my
car and nine others locked inside. Long story short, I couldn't take my car because it was on his property, I wasn't allowed to go on the property
while his family went through all the legal BS to sue him for running off and try to get the creditors sorted, even though it was my car. After six
weeks of going back and forth with my insurance company just to get my car out of his shed, everyone basically said it was my problem, and they
weren't going to help me unless I saw a lawyer at my own expense and sued him to get MY car back.
Finally I got to the top manager of my insurance company and their lawyer, who worked out a deal with his lawyers to get my car out. When I went there
the guy's father refused to let me on the property again, and ended up being arrested for it. While the cops were dragging him away, the other 8
people got their cars out. The idiot insurance company then decided I had to settle for another repairer, when I discovered "choice of repairer" on
my policy. I shopped around and found the most expensive repairer in town. Apparently it cost them more than the car was worth to fix in the end, but
The net result of all this stress? My policy jumped up $30 a month. Yet when I rang them and told them to jam it and I was going somewhere else, they
pleaded with me to keep it there, but wouldn't drop the price!
All I can say as advice is read your PDS and your policy VERY carefully before choosing any insurance.