Insurance Claim

[cattivo_69]

Hey guyz, i had a prang last week, and need to make a claim into my insurance

Now im with justcars, and ive told them all my mods except for the ones i just put on recently (Fmic)

Also i have un aftermarket steering wheel, that also not on the policy.

Will i need to take these off b4 the assesser comes out?

and if so, does any1 have a stock r32 steering wheel i could borrow, im in epping

Let me kno

Thanks Joe

[DivHunter]

Don't be so paranoid, they won't send anyone out they get the smash repairer to take digital photos and then email them. How bad is the damage? Did you damage the new gear?

[silva33]

i had to take my car to have it looked at.. they didnt bother about any of my mods, but i had already told them everything... im with just car

[cattivo_69]

well this is how it goes.... it was raining last week, going around a bend at around 45km, went to brake, foot went all the 2 the ground, i pushed it again, and it was spoungy, and it locked up and kinda kicked out, i went up on the curve, then the grass was wet, and it kicked me back onto the rd, where i hit a parked gemini

damage to mine was cracked front bar, smashed headlite, dinted bonet, and it kinked in the middle of the bonnet, no damaged 2 fmic.. lucky

so u reckon leave the fmic and steerin wheel on??

Don't be so paranoid, they won't send anyone out they get the smash repairer to take digital photos and then email them. How bad is the damage? Did you damage the new gear?

[DivHunter]

Bit of a bugger that hey, it'll work out, what was the damage like to the gemini? I wouldn't worry about the wheel really I had a EL GT wheel in my AU Ghia V8 when I totalled it (got it back before it disappeared though). The IC if it's an easy remove then best to be safe but I wouldn't worry too much.

[cattivo_69]

yeh quote from the gemi was 2800 so basically ride off

my excess is like 2200 so thats a crap bit...

but i want my car fixed

Bit of a bugger that hey, it'll work out, what was the damage like to the gemini? I wouldn't worry about the wheel really I had a EL GT wheel in my AU Ghia V8 when I totalled it (got it back before it disappeared though). The IC if it's an easy remove then best to be safe but I wouldn't worry too much.

[DivHunter]

Yep too bad there was another car involved or you'd probably be better off getting it fixed yourself and not through insurance.

[r34_skyline]

Aslong the mods are listed on the policy(legal or not) and didnt cause the accident, then insurance will pay out. they wouldnt bother dicking ya just becoz u got an aftermarket steering wheel.

[dezz]

and aftermarket steering wheel (generally speaking) isnt illegal on an R32 because there is no airbag to start with....as long as its not ridiculously small it should be fine...

FMIC isnt illegal either if you have stock airbox etc...as 1 intake change is allowed

however having not listed either may work against you...then again they may not bother.

if they give u any trouble you could tell them they were just installed that day or something ...

[mikymouse]

Is it even worth going through insurance for so little damage?

[TracidTrax]

what would happen if a P plater were to stack a high powered car he wasnt meant to be driving and had full comp insurance, would they pay out?

[dezz]

what would happen if a P plater were to stack a high powered car he wasnt meant to be driving and had full comp insurance, would they pay out?

luck of the draw apparently...

[R31Nismoid]

FMIC isnt illegal either if you have stock airbox etc...as 1 intake change is allowed

It would be if the Reo was chopped/bent/grinded to fit the FMIC

Thats what a lot of people dont realise... many dodgy shops just butcher the reo bar... and if insurance for whatever reason wanted to assess the cars themselved... and found that ... forget it

[MissJuz]

I'd take the cooler off just to play it safe, I don't think its worth risking not getting the payout and damaging your future insurance costs.

[skylinegirl]

I'd take the cooler off just to play it safe, I don't think its worth risking not getting the payout and damaging your future insurance costs.

I agree just take the cooler off, to be on the safe side, Im also insured with just car insurance..

[IOWNU]

luck of the draw apparently...

I have 4 mates that have writtten of their jap imports over the power to weight ratio, 2 r33 GTSTs, 1 180sx (SR20) and an S15. All got paid the entire amount on their policy, all were with just cars.

[NS2500]

I have 4 mates that have writtten of their jap imports over the power to weight ratio, 2 r33 GTSTs, 1 180sx (SR20) and an S15. All got paid the entire amount on their policy, all were with just cars.

Can't understand why insurance premiums are so high...