Generally an insurance company will try and get out of paying out/covering damage on modified cars, be it just cars or whoever else. They specifically say, they do not cover ilegal mods, but if you scare them enough by standing your ground and threatening with FOS etc, its much cheaper for them to just fix the damage, rather than fight it.
^^ This. Shannons is a much better insurer and will help in majority of cases, i havnt heard anyone complaining about shannons yet..
its funny that Shannons/Just car/aami all fall under the same "suncorp" body, yet they all take different approaches and procedures.
^^ yeh that.
This is all they are worried about. i have to come home and hear these stories from the missus all the time, she works for IAG which handle all of the disputed claims via Aami just car etc..
at the end of the day they'll do whats cheaper. if you threaten FOS, they will(should) fix your suspension, or pay you out for it.
initial charge fee is something like $658 for FOS, and the insurance has to pay for it - regardless of who's favour it is granted in. I used to work for FOS. insurance/banks hated us lol and will try to avoid us at all costs