Originally posted by demonx
Mattrix - it's not the policy that nifty is referring to. It's te fact htat insurance companies are rejecting claims these days on the basis of things as simple as window tint too dark. Tires too bald etc.
Anything that makes the car un-roadworthy they can use as an excuse not to pay out.
exactly my point..... may be a sticky area, may not be.... but im sure if a claim was made for a sizeable ammount they would try VERY hard to find out anything that is not how it should be.....
case in point....
bloke at work with a turbo ford ute, blew it up...he trying his hardest to claim it on insurance, claiming someone stole the sump plug, and has a police report to back it up....
last i heard they wanting to view the engine to verify its NOT modified and is factory stock..... that could be his undoing....
its worked to hell and back.....
time will tell if he gets a new motor, or if he has to somehow find the money to buy his own....
this bloke is a dipsh#t..... he thinks he can pull the wool over the insurance guys eyes....
all up cost for repairs is around the 7k mark...
case 2...
i had my work car parked on the road a few yrs ago...bloke went sideways, cleaned it up writing it off, then he done a runner, stashed his car, hit the phone and claimed it stolen...
he got arrested and 3 yrs later got convicted of making a false report....., BUT still claimed he wasnt the driver, even though he was the only person in the car.
but MY insurance wont pay me the 3k for my car....
if i want the money i have to take HIM to court,( at my expense) and if im lucky i might get $2 a week for the rest of his life.....
spoke to a solictor about,and bascily he would take the case on, but given the fact he claiming he WASNT the driver, i have a chance of losing....and if so it would cost me for his and my lawyer, which would ammount to more than the damage bill.....
was advised to just put it down to experience,bite the bullet, and hopefully one day a bit of justice will be done to this peanut...( who btw does not have a job, yet drives an XR8 falcon,and rides a ducati motorbike, all on the dole..yeah right)
I know he was driving, the cops know he was driving, and my insurance know he was driving..... but what we know may not stand up in court....
and thats over a measly 3 grand, which over the years ive paid im preimums alone...and uptil then have NEVER made a claim on anything for 18yrs....doesnt seem fair, but there is a reason the insurance companies turn a profit each year.....