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Post by Jennison on May 18, 2012 22:46:10 GMT 10
Bloody shannons have notified me that they want to write off my WB statesman after a local Cowran reversed his 4WD into it at the nats   . Crap finish to a top week Gone are the classic car enthusiast insurers...... its all about how cheap they can get out of it. They want nearly 30 per cent the insured value for salvage rights with the cash payout left over barely able to cover cost of parts if I decide to proceed with repairs myself. No matter what happens /what I decide , the 5 vehicles I have with them will be soon be insured elsewhere with the classic cars going to NRMA classic car insurance. they have no salvage fee,full insurance payout and premium road side cover all included in insurance fee. jenno |
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Post by Jennison on May 18, 2012 23:00:14 GMT 10
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Post by penny61 on May 18, 2012 23:05:36 GMT 10
That must have been quite a bingle  When I wrote off Sophie, one of my Bugs, with Shannons I was lucky, because of her age I had salvage rights automatically. I never even knew there was such a thing.... I always thought the wreck was yours to keep whatever happened. Wrong! They said she was "unecconomical to repair".... and boy, were they right! I'm glad I repaired her anyway.... Even if my bank balance still hates me for it.  I understand why they wouldn't pay for the repair.... they are running a business after all.  I will still ensure my Beetles, Kombi and Penny Propert with them because unlike friends/family insured with other companies, at least they always have paid up without arguing... Good luck getting it repaired! I hope it all works out.  Vanessa |
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Post by penny61 on May 19, 2012 0:37:10 GMT 10
Hi Olfart, I can imagine.... And they're the worst type of accident, when you think that your insurance will fix something (that's why we have it after all) and it turns out to be "too expensive..." I really feel for "Jennison", I was more than just a "little upset" over Sophie... And I have no photo's either, although I think I will always remember what it looked like.... I swear it is money that makes the world go round, not love anymore, and I think that's rather sad. On another note.... I've been meaning to ask, the numberplate in your avitar, is it yours? I remember seeing it and having a chuckle when I was living in Darwin. We might have met and never realised it?  Still hoping everything works out...., Vanessa |
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Post by kaybee on May 19, 2012 7:42:58 GMT 10
....could be worth your while to scour Ebay for the parts....last week I noticed a complete white front same as yours for $800.....probably gone now but there's a fair heap of Caprice gear on there, even if you have to buy it piece at a time. Then when you get it sorted, go see Lumleys for an insurance quote......much better deals, cheers, Col. |
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Post by cobber on May 19, 2012 7:45:21 GMT 10
Gee Jeno that was not a big prang but it's going to be a big hassle for you . It's hard to know how an insurance Co. is going to treat you until you need them....... doesn't the insurance Co. of the bloke who bumped you have to cough up to fix your car Cobber |
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sheppo
Full Member
Love my Juke box car.
Posts: 420
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Post by sheppo on May 19, 2012 7:48:11 GMT 10
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Post by smiles on May 19, 2012 9:02:20 GMT 10
Hi Jenno
I agree with Cobber & kaybee.
If the Cowran 4wd'er has comprehensive insurance & you felt s/he was at fault then he needs to make a claim on his own insurance to pay for your repairs.
If the Cowran doesn't have comprehensive insurance, you can always make a claim in the Nsw Local court to recover repair costs. It will cost you less than $100 to lodge a claim. If Cowran is unemployed, low income etc etc the Court will make him pay you off by monthly instalments. But then $40/month is 'better than a poke in the eye with a burnt stick' to quote Bazza Mackenzie! Even if you write to the Cowran most people will come to the party rather than have the hassle of going to Court , even if it's just the Local Court! I'm not a lawyer but have previously worked in this area.
You'll most likely have to do what kaybee said & manage the parts & repairs yourself
but doing all of above yourself as well to recover costs.
In 2000 I had 2 very large Brahmin cows come across the windsceen at me. NRMA claimed salvage right rather than fix a fairly new car. I knew it was a clinical decision about what they could sell the back half of the car for against what it would cost to fix the front half. I loved that car.
Of course Apparently some people are able to go & buy wreck back from insurance co but I wouldn't trust that myself as a solution!
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Post by penny61 on May 19, 2012 10:40:36 GMT 10
Oh yes the number plates are very genuine. GULP We may have met  I spent a fair bit of time at Katherine,i miss The Territory You may have seen them around Flinders Medical Centre or Port Noarlunga. Dave I miss Darwin a lot.... Too expensive to live there now though. Do you still have the plates even though you're now a Mexican? Of course you don't, that would be naughty ;D My Mum lives down South, and I'm a Bad Smell at Flinders Uni, but I don't think I saw them in SA.... I would have remembered that more clearly. If you remember seeing a crazy person in a yellow converatable Beetle, with a whale tail and "Sophie" on the plates, or a white Bug with "Chester" on the plates, that was me.... Or maybe I made you a coffee...! With Shannons, if your car is insured for an Agreed Value, they don't have to fix it even if it wasn't your fault (a friend insures his for Replacement Value for just this reason.) but if you know who did it they then chase the other guy for the money, so you don't have to pay the excess. If they're insured or not doesn't usually matter, it only needs to go to court if they refuse to pay, and I alwas thought your insurance company sorts it out anyway. But if they pay you out it's the same as them buying the car, so they can then sell it off to recoup some of their money... or, presumably, make a profit. As you need to do in business. I don't know how old the Statesman is but Salvage Rights are only automatic on cars that are over 30y.o. (I think... might be Pre something or other) Like my Beeles... which aren't worth much as wrecks. My Mum wanted to sell one that was living in her backyard as scrap metal,and $127 would have been all she got for it. You can ask for them though if they're not. Vanessa |
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Post by cobber on May 19, 2012 11:14:11 GMT 10
Vanessa's close to the money re. Shannons and who has salvage rights at no extra charge, there are so many twists and turns with insurance.... the no cost salvage rights with Shannons only happens if the vehicle is over 35 years old (see page 34 of this pdf) And read the NRMA's pdf closely too re salvage rights (on page 30).... that's the only page they mention “salvage rights” and it's tied up with the “Credit Providers Rights”.... all to confusing for me I'm afraid. Cobber. |
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Post by penny61 on May 19, 2012 11:27:52 GMT 10
Vanessa's close to the money re. Shannons and who has salvage rights at no extra charge, there are so many twists and turns with insurance.... the no cost salvage rights with Shannons only happens if the vehicle is over 35 years old (see page 34 of this pdf) And read the NRMA's pdf closely too re salvage rights (on page 30).... that's the only page they mention “salvage rights” and it's tied up with the “Credit Providers Rights”.... all to confusing for me I'm afraid. Cobber. 35years is it....? Sophie's a 1970. It was about 5 years ago I crahed her so that sounds about right then.... and she's 42 now... My "youngest" are both 1974. Just scrape in.... But I've checked. I would have been devistated to lose Sophie... You would not be sitting here talking typing to me without her, she saved my life so I had to save hers, only fair. Most of what I know is through experience. I was lucky... now I'm careful. Insurance is confusing, and not to go against Jennison it's his thread and all.... but that's why I'm with Shannons. I'm less confused because I've dealt with them already. They paid quickly and without arguing on my Bug and my Dad's Porche 944 (sent him to the best panel beater in Adelaide too.... Funny accident this one but I don't think my Dad would like me to repeat it). "Better the Devil you know"and all that. Vanessa |
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Post by Roehm3108 on May 19, 2012 13:13:38 GMT 10
Hi Jenno
Now I don't know the circumstances of the accident, but with what Shannons are offering, why not claim against the third party and their insurer direct for the full damage/repairs??? Surely, if the third party reversed into you, there can be no dispute about degree of liability or insured value. You don't HAVE to claim from your insurer, you know. Personally, I think you could do better than what you have described and this is what I would do.
Ray
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Post by smiles on May 19, 2012 14:46:39 GMT 10
It's all very complicated isn't it?
Just about everyone is on the money here... If you like what your insur co is offering you, then let them do the leg work on debt recovery. But if you don't like what they're offering eg vehicle writeoff with payout too small to repair/re-purchase same model car, then keep repair costs as low as possible by buying spare parts yourself then recover debt yourself. Not hard to do.
When son was younger & having typical young driver accidents such as stopping at traffic lights too soon so driver following him ploughs into car rear, the insur co wouldn't pay out on accident repairs less than excess or even recover from other driver, even tho technically son not at fault, as excess very high with young drivers.
2 drunk guys fighting over a gal thumped each other near my car & a whole crowd of people watched as 1 guy put the other guys head through my door. Plenty of witnesses but insur co wouldn't pay out unless I made police take criminal action against main perp. It's complicated alright
smiles
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Post by Jennison on May 20, 2012 17:27:12 GMT 10
Thanks for all your thoughts,
I do have the other partys details etc, and what Ray is suggesting is what I am possibly going to try, re: dealing direct with with their insurer, the NRMA.
If shannons write it off I figure they will hit NRMA for the $8000. I will offer NRMA full release of any liability for $7000. Its a $1000 saved for them, so worth a try.
This is all pending my meeting with the shannons area business manager tomorrow or tuesday. I collared a shannons rep at my local EJ/EH car show today and will try this suggested avenue first.
As an aside, one of my problems with buying 2nd hand parts to do the repairs, is that the chromework etc on the old girl are in exceptional condition and I have had this problem before in that matching this level of condition with 2nd hand bits (especially bought maybe long distance)is often not very satisfactory. My contact /supplier I am using has new replacement parts....hence the expensive quote!
Also I found out that I can appeal their valuation of $8000 as prior to laying it up for the 18months I had it off the road 2009/2011 it was insured for $10,000. As I kept the policy continuing with "layed up insurance" they should have automatically reinsured it at the $10,000.
Keep you posted
regards
jenno
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Post by stephen&Julie on May 20, 2012 17:51:17 GMT 10
Hi Jenno,
just spotted wb's on Ebay for around $4000 nearly cheaper to buy, swap parts and sell
Cheers S&J
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Post by Jennison on May 22, 2012 21:48:27 GMT 10
fingers crossed............ a reasonable response (hopefully)today from the local area operations manager with the case being referred to the national operations manager. Keep you all posted jenno |
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Post by Jennison on May 31, 2012 17:56:04 GMT 10
Update....getting bl##dy sick of waiting for an answer.
Emailed them yesterday asking that they hurry up and respond.....they really are a disappointment compared to my previous treatment by shannons (prior to suncorp buying them)
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Post by Jennison on Jun 15, 2012 13:09:57 GMT 10
Yep, looks like I have been shafted by shannons.....let this be a warning to all, they are no longer "the car loving company who understand our needs" they are merely a front for suncorp who apparently couldn't care less. The local area operations manager has sat on it for a month. HE HAS NOT referred it to the national operations manager as he said he would in his first placatory email and now is just referring me back to claims.....back where I started from!! jennison |
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Post by kaybee on Jun 15, 2012 19:11:11 GMT 10
Hey Jeff , why not take the write off deal offered, retain the alleged "wreck".....buy the grille and bumper parts, bolt them on at home and then the cars fixed....then pick up the phone and insure it with Lumleys for a fraction of the cost of Shannons?
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Post by Jennison on Jun 15, 2012 21:52:28 GMT 10
looks like thats the current plan(and only option left to me ) very disappointing after years of faithfull custom with 6 vehicles insured with them jenno |
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I understand why they wouldn't pay for the repair.... they are running a business after all. 
