Geekzone: technology news, blogs, forums
Guest
Welcome Guest.
You haven't logged in yet. If you don't have an account you can register now.




451 posts

Ultimate Geek
+1 received by user: 10


Topic # 111953 20-Nov-2012 21:41
Send private message

I am dealing with this insurance company now.
Not sure if I am allowed to name the company.

Here is the story.
My dad had an accident with this car when he was reversing the car, he sorted of "touched" the front bumper of the other party's car. 
My dad took a photo on the spot.
There is not a scratch of paint or anything. 
But the other party made a claim to their broker, the broker called us, we were like what?

Then 1 month later, they sent us this letter with the wrong vehicles about the other party. 
We were like "ok, investigate and make sure you send us the correct information first."

Then the company came back to us, the vehicle is correct, even if there is no external damage, there could be internal damage.
We said ok, look into it and give me a quote. 
They come back to me with a quote of 300 bucks. 
My dad is ok with settling the case with 300 bucks even we dont think it is our fault.

One month later, which is today, we received another email from the claim officer saying, 

”The total cost of the claim is $998.20. However as you have discussed the issues raised with your parents, and are interested in paying a lump sum amount, I am willing to offer a reduced amount but only if you can pay in the next 10 days.

I will accept $898.50 as full and final settlement of the account.“

I sent an email shortly after receiving this email, asked for a detailed breakdown of the cost.

Here is the question, I agreed to 300 bucks not 900 bucks.

Can they just tripled the quote without even telling me about this?

Any advice would be appreciated. 
Cheers




Cheapest Online Bookstore Free Worldwide Delivery

http://www.bookdepository.com/?a_aid=lhou021
 
MOBILE: Nexus 6, Huawei P8 & Moto X Pure Edition
TABLET: Asus VivoTab Windows 10
OTHER: Asus Vivobook Laptop + Intel NUC5i3 Desktop + A family of Raspberry Pi x 9 + Amazon Echo


View this topic in a long page with up to 500 replies per page Create new topic
 1 | 2
IT Professional
1703 posts

Uber Geek
+1 received by user: 166

Trusted
Subscriber

  Reply # 720411 20-Nov-2012 22:06
Send private message

Wow - that's scary.

I would have thought that since it is financial there would have to be full disclosure  - i.e. if they are talking money, they can't hide costs!

I'd call the Insurance Ombudsman tomorrow, discuss with them and lay a complaint.

Then when the broker calls back state you've laid a complaint over their conduct and see how quickly they offer to drop the whole thing...

Important bit - call the Insurance Ombudsman and have a chat.

19282 posts

Uber Geek
+1 received by user: 2600
Inactive user


  Reply # 720415 20-Nov-2012 22:19
Send private message

Have you got the agreement for $300 in writing / email ?


 
 
 
 




451 posts

Ultimate Geek
+1 received by user: 10


  Reply # 720420 20-Nov-2012 22:23
Send private message

johnr: Have you got the agreement for $300 in writing / email ?



Nop actually, not a thing, the claim officer have not contacted me since she said the majority of the repair cost would be $331.5

I sent emails afterwards, asking for confirmation, but no response from them.

Then suddenly today, I received this 900 bucks bill。。。what?




Cheapest Online Bookstore Free Worldwide Delivery

http://www.bookdepository.com/?a_aid=lhou021
 
MOBILE: Nexus 6, Huawei P8 & Moto X Pure Edition
TABLET: Asus VivoTab Windows 10
OTHER: Asus Vivobook Laptop + Intel NUC5i3 Desktop + A family of Raspberry Pi x 9 + Amazon Echo


956 posts

Ultimate Geek
+1 received by user: 346
Inactive user


  Reply # 720421 20-Nov-2012 22:23
Send private message

Sounds like they replaced the entire bumper for that cost



451 posts

Ultimate Geek
+1 received by user: 10


  Reply # 720422 20-Nov-2012 22:25
Send private message

JamesL: Sounds like they replaced the entire bumper for that cost


Yep, replaced all the headlamp, parklamp + all the lamps in the front + front panels + bits of pieces.




Cheapest Online Bookstore Free Worldwide Delivery

http://www.bookdepository.com/?a_aid=lhou021
 
MOBILE: Nexus 6, Huawei P8 & Moto X Pure Edition
TABLET: Asus VivoTab Windows 10
OTHER: Asus Vivobook Laptop + Intel NUC5i3 Desktop + A family of Raspberry Pi x 9 + Amazon Echo




451 posts

Ultimate Geek
+1 received by user: 10


  Reply # 720423 20-Nov-2012 22:27
Send private message

keewee01: Wow - that's scary.

I would have thought that since it is financial there would have to be full disclosure  - i.e. if they are talking money, they can't hide costs!

I'd call the Insurance Ombudsman tomorrow, discuss with them and lay a complaint.

Then when the broker calls back state you've laid a complaint over their conduct and see how quickly they offer to drop the whole thing...

Important bit - call the Insurance Ombudsman and have a chat.


Thanks for the advice.
I am thinking about calling the Ombudsman tomorrow too. 
But I am going to wait and see what the senior claim officer got to say and how she is going to reply to my email first.

Tripled quote。。。 then what is the whole point of getting a quote, if it tripled afterwards?




Cheapest Online Bookstore Free Worldwide Delivery

http://www.bookdepository.com/?a_aid=lhou021
 
MOBILE: Nexus 6, Huawei P8 & Moto X Pure Edition
TABLET: Asus VivoTab Windows 10
OTHER: Asus Vivobook Laptop + Intel NUC5i3 Desktop + A family of Raspberry Pi x 9 + Amazon Echo


64 posts

Master Geek


  Reply # 720424 20-Nov-2012 22:29
Send private message

Most large Insurance companies usually record phone calls when you ring them so I would presume it would happen the other way around also. So you would be within your rights to request a transcript of the conversation when the $300 offer was made 

Mad Scientist
17740 posts

Uber Geek
+1 received by user: 2178

Trusted
Lifetime subscriber

  Reply # 720425 20-Nov-2012 22:33
Send private message

wanghou168:
JamesL: Sounds like they replaced the entire bumper for that cost


Yep, replaced all the headlamp, parklamp + all the lamps in the front + front panels + bits of pieces.


nah headlight alone for some cars are upwards of $1000 used (wreckers)



451 posts

Ultimate Geek
+1 received by user: 10


  Reply # 720427 20-Nov-2012 22:34
Send private message

beachgeek: Most large Insurance companies usually record phone calls when you ring them so I would presume it would happen the other way around also. So you would be within your rights to request a transcript of the conversation when the $300 offer was made 


Thanks for the advice. 
The good thing is I am pretty busy during the day in the office, so I didn't call them, everything was written down in emails.  Great.




Cheapest Online Bookstore Free Worldwide Delivery

http://www.bookdepository.com/?a_aid=lhou021
 
MOBILE: Nexus 6, Huawei P8 & Moto X Pure Edition
TABLET: Asus VivoTab Windows 10
OTHER: Asus Vivobook Laptop + Intel NUC5i3 Desktop + A family of Raspberry Pi x 9 + Amazon Echo




451 posts

Ultimate Geek
+1 received by user: 10


  Reply # 720428 20-Nov-2012 22:36
Send private message

joker97:
wanghou168:
JamesL: Sounds like they replaced the entire bumper for that cost


Yep, replaced all the headlamp, parklamp + all the lamps in the front + front panels + bits of pieces.


nah headlight alone for some cars are upwards of $1000 used (wreckers)


I hate to say this but the other party is driving a 1997 old Toyota.
My dad was driving a 2007 Toyota, I think we will be more worried about damages.
Seriously 1000 just for headlights? 




Cheapest Online Bookstore Free Worldwide Delivery

http://www.bookdepository.com/?a_aid=lhou021
 
MOBILE: Nexus 6, Huawei P8 & Moto X Pure Edition
TABLET: Asus VivoTab Windows 10
OTHER: Asus Vivobook Laptop + Intel NUC5i3 Desktop + A family of Raspberry Pi x 9 + Amazon Echo


956 posts

Ultimate Geek
+1 received by user: 346
Inactive user


  Reply # 720430 20-Nov-2012 22:39
Send private message

You'd be surprised how expensive OEM parts are

I got OEM door trim for my 1992 Evo 1 and that was ~$1500+ for all four doors and other bits

2117 posts

Uber Geek
+1 received by user: 342


  Reply # 720434 20-Nov-2012 22:41
Send private message

Does your Dad have insurance? Let your insurance company deal with this



451 posts

Ultimate Geek
+1 received by user: 10


  Reply # 720436 20-Nov-2012 22:47
Send private message

Wade: Does your Dad have insurance? Let your insurance company deal with this


Sure we can.
But the car is under business insurance, business vehicle excess or base starts from $2500
Originally we thought it is such a small issue, the cost will go under $2500, then there is no need to get my insurance company involved if the cost is below  the excess.




Cheapest Online Bookstore Free Worldwide Delivery

http://www.bookdepository.com/?a_aid=lhou021
 
MOBILE: Nexus 6, Huawei P8 & Moto X Pure Edition
TABLET: Asus VivoTab Windows 10
OTHER: Asus Vivobook Laptop + Intel NUC5i3 Desktop + A family of Raspberry Pi x 9 + Amazon Echo


13445 posts

Uber Geek
+1 received by user: 1616


  Reply # 720442 20-Nov-2012 23:05
Send private message

wanghou168:
Wade: Does your Dad have insurance? Let your insurance company deal with this


Sure we can.
But the car is under business insurance, business vehicle excess or base starts from $2500
Originally we thought it is such a small issue, the cost will go under $2500, then there is no need to get my insurance company involved if the cost is below  the excess.


Do they have photos showing the original damage? I presume someone will,(the panel beater will have) so I would ask for that to begin with.
Certainly sounds very strange. I would also get an itemised bill, as you don't know what fees they have added on.

2117 posts

Uber Geek
+1 received by user: 342


  Reply # 720451 20-Nov-2012 23:12
Send private message

wanghou168:
Wade: Does your Dad have insurance? Let your insurance company deal with this


Sure we can.
But the car is under business insurance, business vehicle excess or base starts from $2500
Originally we thought it is such a small issue, the cost will go under $2500, then there is no need to get my insurance company involved if the cost is below  the excess.


The excess definitely applies to section two liability? I was of the opinion that most policies only had applicable excesses on section 1?

 1 | 2
View this topic in a long page with up to 500 replies per page Create new topic



Twitter »

Follow us to receive Twitter updates when new discussions are posted in our forums:



Follow us to receive Twitter updates when news items and blogs are posted in our frontpage:



Follow us to receive Twitter updates when tech item prices are listed in our price comparison site:





News »

New Zealand hits peak broadband data
Posted 18-Jan-2018 12:21


Amazon Echo devices coming to New Zealand early February 2018
Posted 18-Jan-2018 10:53


$3.74 million for new electric vehicles in New Zealand
Posted 17-Jan-2018 11:27


Nova 2i: Value, not excitement from Huawei
Posted 17-Jan-2018 09:02


Less news in Facebook News Feed revamp
Posted 15-Jan-2018 13:15


Australian Government contract awarded to Datacom Connect
Posted 11-Jan-2018 08:37


Why New Zealand needs a chief technology officer
Posted 6-Jan-2018 13:59


Amazon release Silk Browser and Firefox for Fire TV
Posted 21-Dec-2017 13:42


New Chief Technology Officer role created
Posted 19-Dec-2017 22:18


All I want for Christmas is a new EV
Posted 19-Dec-2017 19:54


How clever is this: AI will create 2.3 million jobs by 2020
Posted 19-Dec-2017 19:52


NOW to deploy SD-WAN to regional councils
Posted 19-Dec-2017 19:46


Mobile market competition issues ComCom should watch
Posted 18-Dec-2017 10:52


New Zealand government to create digital advisory group
Posted 16-Dec-2017 08:47


Australia datum changes means whole country moving 1.8 metres north-east
Posted 16-Dec-2017 08:39



Geekzone Live »

Try automatic live updates from Geekzone directly in your browser, without refreshing the page, with Geekzone Live now.



Are you subscribed to our RSS feed? You can download the latest headlines and summaries from our stories directly to your computer or smartphone by using a feed reader.

Alternatively, you can receive a daily email with Geekzone updates.