Just Car Insurance Policy With Fmic

[QRI05E]

Hey guys, on my way home today from work i had a pretty bad accident =( and would like you know your oppinions:

1. I have comprehensive insurance with Just Car

2. I fitted and FMIC yesterday and was going to notify them tomorrow.

Q. Will this be an issue in my claim?

Please help me out guys!

Cheers

P.S Any one recommend a Smash Reapirer that will help me out?

[lastlineofdefence]

Hope your alright sarkis

[Primordial]

So just to clarify - you're not expecting the insurance company to pay for the replacement of the FMIC do you?

You are just asking whether or not they might deny the claim because there was a modification that they werent notified about?

And what area do you live in - it might be best to get a recommendation of a repairer in your area for obvious reasons.

BTW - sucks hard to hear about this kind of stuff. I wish you all the best in getting it back on the road!

[Blitz]

Ring them asap and tell them, be honest and up front and I cant imagine they will give you any grief, however I doubt they will cover the cost of the FMIC kit.

[Xizor]

I was speaking with Justcar about my policy the other day, from my understanding, they just wont cover the fmic as its an additional modification.

Very sorry to hear about your accident mate. I had an accident on the hume highway just before the ingleburn exist on friday. f**king gigantic mutilated truck tyre came out from under some cars ahead of me that had slammed on their breaks and i had nowhere to go but hit it. f**ked up my front bar and lip so need some work done. I feel terrible, so can only imagine how distraught you must be.

From what i hear campbelltown smash repairs are the best locally. I hope to get my kit damage fixed at a place in ingleburn recommended to me by powerplay... see how that goes tomorrow when i talk to them.

Edited February 18, 2007 by Xizor

[Marsss]

If yr anywhere near Leichardt try BERLINA body works, talk to Enzo and tell him i sent ya... they are excellent with this kinda stuff.

On Parra Rd. across from Rick Damelian.

[r32woohoo]

i cant guarantee cheap prices but work quality is 100%

Belmore body works in greenacre

Ask for Tony n tell him daniel with the skyline sent u

Edited February 18, 2007 by r32woohoo

[MANWHORE]

If you've modified/removed the front bar reo andhad a front on smash, it is quite possibly a reason to void your insurance.

I don't know why people keep doing this.

Do you know that the reo is the thing that ties the two chassis rails together? the idea is that when you hit, the chassis rails take the impact and move backwards.

If you remove/weaken the reo, if you hit in the middle, nothing takes the impact.

few weeks ago a friend of mine hit a traffic light pole. You'd think that these poles are really weak, but let me tell you,it wasn't pretty. STraight on into the pole, the pole snapped his engine mounts and pushed the engine back into the fire wall.

His insurance was voided. He had to pay for his car AND the pole and traffic light!

[Liz]

Ring them asap and tell them, be honest and up front and I cant imagine they will give you any grief, however I doubt they will cover the cost of the FMIC kit.

This is your best advice!

My guess is they will cover the repairs, but not the replacement of the intercooler.

[QRI05E]

Im not worried about the FMIC, as long as my car is repaired or written off...

The reo bar was slightly trimmed (cant tell from the accident though)and theres a hole where the piping passes will that be a problem?Perhaps i can tell the repairer to put the stock smic on before the assessors come out?

[Gazee]

Perhaps i can tell the repairer to put the stock smic on before the assessors come out?

Yes you better do that asap cos the assessors can be absolute pricks, just cars threatened (warned) me when i got insurance, the bitch said "If you have an accident and you don't tell us about a mod we wont cover you" n i said "what even if i don't tell you i have an aftermarket head unit?"

The bitch replied "YES"

Call them n ask em but dun tell em what happened, just act as tho your enquiring about insurance and what happens if senarios...

[Xizor]

When i told JustCars the other day that i had a fmic, thats all they wanted to know. They didnt care about how it was installed or anything. Infact, on my new policy they have sent that starts next month if i agree, it just says "intercooler"... thats how generalised they are.

And when i had a whinge about my agreed value not going up despite mods (f**king redbook agreed value and their internal policy of not going more than 3k over that if its not newly purchased) she said the point was if something happened to the car and those specific parts or damaged or stolen, they need to know to cover. Which makes sense. She didnt say anything about it voiding the entire car policy. Although i know thats the case with other insurers so i guess its quite possible its in the Justcar T&C's aswell.

Edited February 19, 2007 by Xizor

[QRI05E]

I'm getting the car towed to Shalala Smash repairs in the morning and hopefully we can sort things out

I cant believe this has happened guys....

I urge you ALL to take care, drive carefully and not for one second lose concentration when on the road... cause all it takes is a split second..

Regards,

Sarkis

[Richmond98]

maybe just try and take the intercooler off and make it look stock again.

[jjjDavey]

i was told you can chop the reo bar as much as you want because its not "part of the car".. this was by a smash repairer / bodykit builder..

[QRI05E]

Yea but what a smash repairer sayd and what the insurance say are 2 different things

ill try putting the SMIC on

[d0p3y]

i was told you can chop the reo bar as much as you want because its not "part of the car".. this was by a smash repairer / bodykit builder..

Obviously this "smash repairer / bodykit builder" you speak of enjoys a good toke on the crack pipe.

[Xizor]

Man i cant find anywhere local thats "recommended" for smash repairs and resprays that can do my car within the next week.... one of the places is even busy for 3 weeks!! Spewing!

[MANWHORE]

sarkis, what happened mate? was it your fault?

[Gazee]

Obviously this "smash repairer / bodykit builder" you speak of enjoys a good toke on the crack pipe.

LOL sounds like he's from my area...