Car failed WOF due to bent chassis

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675 posts

Ultimate Geek

#1564281 2-Jun-2016 14:01

sbiddle:

throbb:

Mattmannz:

Did they show you where it was bent?

It's possible that the chassis has been bent without you really realising ie driving over something, running up a curb or something like that. Chassis damage is repairable so the first step would be to understand where it is and see what's required to get it sorted out.

Matt.

They did show me where it was bent, the left hand rail has what I would class as a crinkle in it. I'm getting it quoted today, but if I could claim insurance for it that would be best for me. Its only a $6k car so I don't want to spend a lot.

I can't imagine them repairing something that's worth so little. They'll probably just pay out on it.

Well the quote came back at $1400 dollars. I wouldn't mind if they paid out on it, my issuance does pay out on the agreed value. Biggest thing I'm wondering is if I don't know how or when the damage was caused, what are the chances they will approve a claim.

Andib

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#1564285 2-Jun-2016 14:08

throbb:

sbiddle:

throbb:

Mattmannz:

Did they show you where it was bent?

It's possible that the chassis has been bent without you really realising ie driving over something, running up a curb or something like that. Chassis damage is repairable so the first step would be to understand where it is and see what's required to get it sorted out.

Matt.

They did show me where it was bent, the left hand rail has what I would class as a crinkle in it. I'm getting it quoted today, but if I could claim insurance for it that would be best for me. Its only a $6k car so I don't want to spend a lot.

I can't imagine them repairing something that's worth so little. They'll probably just pay out on it.

Well the quote came back at $1400 dollars. I wouldn't mind if they paid out on it, my issuance does pay out on the agreed value. Biggest thing I'm wondering is if I don't know how or when the damage was caused, what are the chances they will approve a claim.

Don't lodge a new claim, Refer it back to the last claim and state they didn't repair it correctly.

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Bung

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#1564298 2-Jun-2016 14:24

The car has been through about 10 warrants since the last accident claim. How would you suggest the OP prove that the crinkle in the chassis has been there all that time?

throbb

675 posts

Ultimate Geek

#1564314 2-Jun-2016 14:48

Bung: The car has been through about 10 warrants since the last accident claim. How would you suggest the OP prove that the crinkle in the chassis has been there all that time?

I went down and talked to the panel beater who quoted for the fix. He seems to think it looks new and there are fresh scrapes. He thinks I hit a speed bump or something, I cant remember hitting anything though. There is roadwork's with some pretty big pot holes up the road though.

The thing I want to know is can I claim when I don't know when or where it happened?

vexxxboy

4245 posts

Uber Geek

#1564327 2-Jun-2016 15:07

i have claimed on a big dent that i had no ideahow or where it happened i just saw it one morning . I presumed someone backed into it in a carpark i just told the insurance company that and they just paid out . Not much they could do.

Common sense is not as common as you think.

eracode

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#1564333 2-Jun-2016 15:21

throbb:

Bung: The car has been through about 10 warrants since the last accident claim. How would you suggest the OP prove that the crinkle in the chassis has been there all that time?

I went down and talked to the panel beater who quoted for the fix. He seems to think it looks new and there are fresh scrapes. He thinks I hit a speed bump or something, I cant remember hitting anything though. There is roadwork's with some pretty big pot holes up the road though.

The thing I want to know is can I claim when I don't know when or where it happened?

Perhaps there's your answer - claim it was done recently on the pothole/works up the road?

Sometimes I just sit and think. Other times I just sit.

MikeB4

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#1564334 2-Jun-2016 15:30

throbb:

Bung: The car has been through about 10 warrants since the last accident claim. How would you suggest the OP prove that the crinkle in the chassis has been there all that time?

I went down and talked to the panel beater who quoted for the fix. He seems to think it looks new and there are fresh scrapes. He thinks I hit a speed bump or something, I cant remember hitting anything though. There is roadwork's with some pretty big pot holes up the road though.

The thing I want to know is can I claim when I don't know when or where it happened?

How does the cost of repair stack up against loss of no claim bonus and policy excess? It maybe better to meet the cost yourself.

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jaymz

1133 posts

Uber Geek

#1564339 2-Jun-2016 15:37

throbb:

Bung: The car has been through about 10 warrants since the last accident claim. How would you suggest the OP prove that the crinkle in the chassis has been there all that time?

I went down and talked to the panel beater who quoted for the fix. He seems to think it looks new and there are fresh scrapes. He thinks I hit a speed bump or something, I cant remember hitting anything though. There is roadwork's with some pretty big pot holes up the road though.

The thing I want to know is can I claim when I don't know when or where it happened?

Any chance of snapping a pic or 5 of the dent/ripple and posting it?

throbb

675 posts

Ultimate Geek

#1564342 2-Jun-2016 15:40

MikeB4:

throbb:

Bung: The car has been through about 10 warrants since the last accident claim. How would you suggest the OP prove that the crinkle in the chassis has been there all that time?

I went down and talked to the panel beater who quoted for the fix. He seems to think it looks new and there are fresh scrapes. He thinks I hit a speed bump or something, I cant remember hitting anything though. There is roadwork's with some pretty big pot holes up the road though.

The thing I want to know is can I claim when I don't know when or where it happened?

How does the cost of repair stack up against loss of no claim bonus and policy excess? It maybe better to meet the cost yourself.

Excess is only $500 and I have a 65% no claim discount for life

Linuxluver

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#1565446 4-Jun-2016 00:04

Our 1994 Honda Civic Shuttle failed a warrant yesterday because the metal in the back of the driver's seat had come through the upholstery due to wear.

The funny part is that it has been that way for at least 12 years and I have had no trouble getting the previous 24 warrants due to this. But I'd like a new seat ni the car, so I told him to go find one. Good luck. 1994 NZ-assembled. If he hasn't located one by Tuesday I'll take the car to the garage I used to take it to before we shifted. They had no issues with the seat. Nor the garage before that....or the one before that....and so on.

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afe66

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#1565616 4-Jun-2016 12:24

There are a number of threads along the lines of examiner A says this isn't acceptable from a safety view then followed by posts on how the owner thinks they know better and how to bypass the failure or the inference that it's ok to find another examiner who potentially had lower standards and a financial insentive to pass the vehicle.

And people wonder why we have crap vehicles still on the streets.

Should there be active penalties to the owner of a car which crashed because of a fault for which they shopped round to find a examiner with looser standards.

tdgeek

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#1565637 4-Jun-2016 12:59

The chassis may not have been bent by the collisions, but it may have been weakened, and the relative weak spot has grown over time, and each time it get a bit, that becomes even more weaker and bendy. Whats a 20yo Silvia worth? Few hundy? Is it worth fixing given what its worth now, and after fixing its worth no more?

throbb

675 posts

Ultimate Geek

#1565673 4-Jun-2016 15:15

tdgeek:

The chassis may not have been bent by the collisions, but it may have been weakened, and the relative weak spot has grown over time, and each time it get a bit, that becomes even more weaker and bendy. Whats a 20yo Silvia worth? Few hundy? Is it worth fixing given what its worth now, and after fixing its worth no more?

The car is worth about 6k. The main question I've been asking is if insurance would fix it, and how the damage could happen.

Batman

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#1565692 4-Jun-2016 16:02

throbb:

tdgeek:

The chassis may not have been bent by the collisions, but it may have been weakened, and the relative weak spot has grown over time, and each time it get a bit, that becomes even more weaker and bendy. Whats a 20yo Silvia worth? Few hundy? Is it worth fixing given what its worth now, and after fixing its worth no more?

The car is worth about 6k. The main question I've been asking is if insurance would fix it, and how the damage could happen.

I don't understand your question.

You hit a pothole chassis bent insurance decides what to do - if not worth fixing they pay you cash. Spend it on whatever you like.

Aredwood

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#1566252 6-Jun-2016 00:30

afe66:

There are a number of threads along the lines of examiner A says this isn't acceptable from a safety view then followed by posts on how the owner thinks they know better and how to bypass the failure or the inference that it's ok to find another examiner who potentially had lower standards and a financial insentive to pass the vehicle.

And people wonder why we have crap vehicles still on the streets.

Should there be active penalties to the owner of a car which crashed because of a fault for which they shopped round to find a examiner with looser standards.

A.

Only a very small number of crashes are caused by mechanical failure. By far the biggest cause of crashes is driver error. Especially considering the stupid driver licensing system in NZ. Get your full licence at around 18 years old, don't need to do another driving test for at least 50 years. And there are still alot of people on the road who got there licence in just 1 day. (Sit a theory test, then drive around the block with an MOT cop, if he thought your driving was OK you got your full licence).

And considering the majority of the population cannot afford to buy a brand new car every 3-5 years. There will always be alot of old cars on the roads here.

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