eddy Posted November 9, 2015 Posted November 9, 2015 Can I justy ask the question. Why all these threats against the insurer, Hellopeter, ombudsman, press..... They have offered to repair the frame. If that is what the policy wording says they need to do then they are pretty much doing what you paid them to do.Someone dinged my car. The insurance company said to take it to a panel beater to have it reaired, Surely I am entitled to a new car as a repaired one is not putting me in the same position as I had been ? I feel ripped off !!
RocknRolla Posted November 9, 2015 Posted November 9, 2015 The fact that the OP is still searching for policy docs has me worried for the outcome. You may be farting against thunder if the policy doc states repair, within means before replacement. An insurance policy is only as good as the document you sign. If you did not read the doc, and you signed it, you will have great difficulty fighting it legally. It's a tough lesson you will only have to learn once.
Bub Marley Posted November 9, 2015 Posted November 9, 2015 Someone dinged my car. The insurance company said to take it to a panel beater to have it reaired, Surely I am entitled to a new car as a repaired one is not putting me in the same position as I had been ? I feel ripped off !!This is a very blunt way to look at this incident. Secondly, if a panelbeater had recommended the insurer to write-off, they would do that. The same should apply to a bike. The workshop recommended replacement and they are an approved bike shop on the panel. The frame should not have been needed to go to a different place. At the end of the day, you go with a direct insurer, this is the hassles you go through. If you had a broker, he would have done all the fighting for you. Now you're dealing with a call centre agent who quite frankly could not care less about your situation.
RocknRolla Posted November 9, 2015 Posted November 9, 2015 This is a very blunt way to look at this incident. Secondly, if a panelbeater had recommended the insurer to write-off, they would do that. The same should apply to a bike. The workshop recommended replacement and they are an approved bike shop on the panel. The frame should not have been needed to go to a different place. At the end of the day, you go with a direct insurer, this is the hassles you go through. If you had a broker, he would have done all the fighting for you. Now you're dealing with a call centre agent who quite frankly could not care less about your situation. The panel beater may recommend a new car, but the assessor is the one that needs to confirm the quote/claim.
Bub Marley Posted November 9, 2015 Posted November 9, 2015 The panel beater may recommend a new car, but the assessor is the one that needs to confirm the quote/claim.Yes, you are correct. I was just trying to make a point though with the other poster as he came across a bit sarcastic.
eddy Posted November 9, 2015 Posted November 9, 2015 This is a very blunt way to look at this incident. Secondly, if a panelbeater had recommended the insurer to write-off, they would do that. The same should apply to a bike. . The panel beater may recommend a new car, but the assessor is the one that needs to confirm the quote/claim.In any event, in this case it was not the "panel beater" who said it product should be replaced, but the dealer who would be making a new sale. Ek se maar net.......
RocknRolla Posted November 9, 2015 Posted November 9, 2015 Yes, you are correct. I was just trying to make a point though with the other poster as he came across a bit sarcastic. eddy...sarcastic??? never.....
eddy Posted November 9, 2015 Posted November 9, 2015 eddy...sarcastic??? never.....Corrrect. Never sarcastic, but sometimes he speaks in parables.;-)
Patchelicious Posted November 9, 2015 Posted November 9, 2015 In any event, in this case it was not the "panel beater" who said it product should be replaced, but the dealer who would be making a new sale. Ek se maar net.......See this is the part people see to forget, obviously the bike shops would want to push for a new sale, they dont make money from carbon repairs.
Eddy Gordo Posted November 9, 2015 Posted November 9, 2015 The panel beater may recommend a new car, but the assessor is the one that needs to confirm the quote/claim.This just got me thinking. It is no wonder that there are so many cars on the road that shouldnt in the first place be there. If a car is written off by the assessor then it should stay that way. Instead like what is happening here, a different assessor is used so that the car can be straightened etc. Just horrible death traps these suspension chassis straightened machines. Op you have to get a new frame, fight for it.
Bub Marley Posted November 9, 2015 Posted November 9, 2015 Also, it's dificult to compare a car to a bike. Personally, if a frame cracked, I wouldn't trust it. It's the main component of the bike where all the weight, impact etc sit on. I wouldn't accept what Miway has told me because in this case it's a safety concern. Get another opinion on it and try your luck with the ombudsman. Miway might state in their wording about repairing, but if it's a safety concern, they don't have a leg to stand on. Just try your luck, you've nothing to lose.
V12man Posted November 9, 2015 Posted November 9, 2015 Corrrect. Never sarcastic, but sometimes he speaks in parables.;-)Square circles....
Tumbleweed Posted November 9, 2015 Posted November 9, 2015 This just got me thinking. It is no wonder that there are so many cars on the road that shouldnt in the first place be there. If a car is written off by the assessor then it should stay that way. Instead like what is happening here, a different assessor is used so that the car can be straightened etc. Just horrible death traps these suspension chassis straightened machines. Op you have to get a new frame, fight for it. The motor industry has managed to get itself almost set up as being "outside the law". It has consistently argued that laws like the CPA can't apply to it.
Captain Fastbastard Mayhem Posted November 9, 2015 Posted November 9, 2015 Also, it's dificult to compare a car to a bike. Personally, if a frame cracked, I wouldn't trust it. It's the main component of the bike where all the weight, impact etc sit on. I wouldn't accept what Miway has told me because in this case it's a safety concern. Get another opinion on it and try your luck with the ombudsman. Miway might state in their wording about repairing, but if it's a safety concern, they don't have a leg to stand on. Just try your luck, you've nothing to lose.nope - it's quite easy. Crack in frame on bike = bent / cracked chassis on car. Most times, it's just scrapped. Sometimes, though, if it's bent just enough, it can be properly straightened (my wife's a3 was straightened recently)
Bub Marley Posted November 9, 2015 Posted November 9, 2015 nope - it's quite easy. Crack in frame on bike = bent / cracked chassis on car. Most times, it's just scrapped. Sometimes, though, if it's bent just enough, it can be properly straightened (my wife's a3 was straightened recently)No offence, but I wouldn't feel safe if my chassis was straightened. That's just me though.
Eddy Gordo Posted November 9, 2015 Posted November 9, 2015 I had a car some years ago. My brother managed to bend the chassis. It was fixed and looked straight etc, but it never was straight.
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