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Originally Posted by Springbokker
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Originally Posted by bfi2906
Because they're an insurance company, and they use all resources and approaches to make money. It's a "try-on". They are hoping that you, like the majority of people, will simply pay it without question, and certinaly no research.
As you go through this process, don't be fooled by simply low premiums. They're low for a reason. Not all insurers are the same, and not all policies are the same. Painful as it is, read the important parts of their PDS's to ensure that you understand what your getting, and more importantly, what you're not getting.
Consider things like EXACTLY what does "choice of insurer" mean - Do you get to pick, or do you get to pick from their list. Will they guarantee to use NEW and OEM parts. etc, etc, etc
Don't be con'd by lines like - "We guarantee the work for xx years, so it doesn't really matter who does the repair". And, "you simply bring the car into our centre, and we take care of it from there (and give you a cab voucher to get home)". Both of those are designed to allow them to give the work to one of their chosen repairers. The reason these repaires are "chosen" is because they will do the work to a price, not a quality, thereby saving the insurance company money. This single issue has bitten soooo many peopole it's rediculous.
As a sanity check, I periodically ask a very good BMW specialist repairer I know, who is good for him to work with. To me, that 's the best test - even if it costs you a few more $'s, you know it'll be done properly, first time.
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TOP tips here gents
on another note i was attempted squeezed once by my insurer when i had an accident (not at fault). the other car made up some bullcrap story and so on goes the insurance company arguments.
when my car was ready i was told by my chosen repairers that there was an excess applied. i called my insurers and they said "oh sir, we will refund it once our investigation is over if we find you're not at fault".
Unlikely.
So i digged up an email i got from my case manager (fleet insurance) that said i wasn't at fault and they gave in.
insurance companies will rort you for ever $ youre worth. |
Same thing happened with me. Had the car only 3 months and a truck tried to turn left through me from the right lane as I was overtaking at a greenlight. He was going to go straight ahead but changed his mind and started indicating as I was right alongside him. Nothing I could do. Even scarier when you have the roof off as I did
He ended up scraping the fender and pushing it in so there was significant rubbing.
I had my car repaired so I could drive it and had to pay the excess first. $2.5k as I was under 25 at the time... Had to fight tooth and nail to convince them that it wasn't my fault even though I had photo evidence etc etc. 6 months later when threatened with a complaint they finally called the other party to ask if he had "Do not overtake turning vehicle" signs on his truck (which he clearly didn't on the photos I sent to them 6 months earlier). He replied that he didn't and I finally got my money back... All insurance companies are the same and will rort you for all they can.
Shop around as much as you can every time the renewal comes around. I can guarantee you'll get a better, if not much better price.