Does Anyone Know/ Recomend An Auto Assessor

[Gerg_R31]

Had an accident, repairs just exceed market value of the standard version of my car (3 panel beaters have told me this) other driver was at fualt and i'm trying to avoid his insurance company writing it off. I'm uninsured (was waiting until i turned 25 in feb) and the car has had quite a few modifications done within P plate restrictions (no more P plates come november)

anyways need a number to call, know anyone?

[GTR32G]

What Insurance company is the person that hit you with?

[Gerg_R31]

NRMA, so is my green slip (wont be if it is writen off)

[D_I_F]

Even if you go through the insurance company they will want to assess it.

Because the car is more then 15 years old no wovr is required.

Whichever way you go they will most write the car as an economical loss it may just be cheaper for them to write it off.

[Liz]

I have a contact but it was from the hornsby area, a bit far away.

i had my car assessed by an independant and i wasn't insured. The other parties insurance company considered it a unrepairable write off. I ended up getting replacement value.. which was the cost of purchasing my car, plus engine (ie modifications) plus mechanical bills to build it... the car was written off...

[Gerg_R31]

Need a number of an auto assesor so they can value my car and its modifications which may give me a small chance of preventing my car being a financial write off, don't need any more opinions on how i am being roayally screwed by something someone else did

[GTR32G]

Even if you go through the insurance company they will want to assess it.

Because the car is more then 15 years old no wovr is required.

Whichever way you go they will most write the car as an economical loss it may just be cheaper for them to write it off.

That’s true there should be no WOVR put on the car but a lot of assessor just put them on the cars as the company they work for tries to enforce them on all total loss cars saves them getting fined. It’s the RTA guidelines that make it not mandatory if over 15 years old unless it has major chassis damage, but if they do write it off make sure no WOVR is on the car.

Got any images of the damage on your car?

I work for JCI as an assessor fell free to PM me to discuss further if you want help on best steps to take.

[D_I_F]

Heres a bunch of companys under the yellow pages

http://www.yellowpages.com.au/search/listi...adingCode=28452

[Gerg_R31]

D_I_F yeah had a search there and book marked it, but wanted to see if there was any that anyone recomended before i started calling random companies tomorrow

[nIsMo86]

May i ask, why are you so against it being financially written off?

How bad is the damage? Sounds like its not a statutory (structural) write-off as you want to keep it.

[AlexanderWilde]

once it's marked as a write off it will come up on the cars record so if he later decides to sell the car it will make it really hard as it will come up on a revs check as a reparable write-off, and trust me most people don’t want to buy a car that has that black dot on its record

[Gerg_R31]

all quoted up

i dont beleive that my car should be writen off in an accident, its not a complete loss/ total write off may not be worth much in numbers but this exact 1 well think of it like this

you have a dog, he breaks his leg it costs $300 to fix it, but $200 to buy a new one, would you fixed it or replace it?

[D_I_F]

Replace the dog and sell the old one off

[AlexanderWilde]

there are multiple types of whrite offs

reparable and non reparable

the 1st (reparable is when the cost to repair is higher than buyng a new one)

the 2nd (nonreparable is when the car has structural damage ie not safe even if repared )

its a safety net for insurance companies to not have to pay 2 much money for a car ie : crash ur very modified car that u put in $50 000 (20k in parts and 30k in labour ) in and the car was 30k brand new

the insurance will only pay like $30 000 (20k for car cost at market value due to depreciation and 10 k for parts also with depreciation labour wouldnt be covered) this unfortunately is the way insurance companies work

thing is in your case the crash was not your fault and the insurance company should pay all costs to get ur car to the exact state it was in, this is why insurance companies are covered usualy for liabilities up to 20 mil or some masive figure like that

problem is if your not insurred your the one that is going to have to take on the insurance company to get the payout, might have to sue them or negociate with them

easiest is to se if you can get it not marked as a whrite off and get them to repair everithing

or reparable whrite off and ask to keep the car and get a lower payout and rapare it yourself

make sure you ahve all the receipts of the work done and mods cost this may jack up the cost of the car so high that it may push the cars price (market value ) high enugh that they will repare it rather than whrite it off

good luck i hope u get it sorted but expect headakes

[Gerg_R31]

easiest is to se if you can get it not marked as a whrite off and get them to repair everithing

thats the aim, ive had the car valued and the repair bill is now 3/5s of the cars value

pretty much im just following the solicitors advice, i can reject the insurance companies offer, fix the car myself (i got plenty saved to do so) and sue the driver for the costs

[D_I_F]

there are multiple types of whrite offs

reparable and non reparable

the 1st (reparable is when the cost to repair is higher than buyng a new one)

the 2nd (nonreparable is when the car has structural damage ie not safe even if repared )

its a safety net for insurance companies to not have to pay 2 much money for a car ie : crash ur very modified car that u put in $50 000 (20k in parts and 30k in labour ) in and the car was 30k brand new

the insurance will only pay like $30 000 (20k for car cost at market value due to depreciation and 10 k for parts also with depreciation labour wouldnt be covered) this unfortunately is the way insurance companies work

thing is in your case the crash was not your fault and the insurance company should pay all costs to get ur car to the exact state it was in, this is why insurance companies are covered usualy for liabilities up to 20 mil or some masive figure like that

problem is if your not insurred your the one that is going to have to take on the insurance company to get the payout, might have to sue them or negociate with them

easiest is to se if you can get it not marked as a whrite off and get them to repair everithing

or reparable whrite off and ask to keep the car and get a lower payout and rapare it yourself

make sure you ahve all the receipts of the work done and mods cost this may jack up the cost of the car so high that it may push the cars price (market value ) high enugh that they will repare it rather than whrite it off

good luck i hope u get it sorted but expect headakes

Mate you have no idea what you are talking about.

The 2 types of total losses you are referring to are;

1. economical total loss (repairable write off)

1. Stat write off (unsafe to repair and re-register)

A total loss is determind when the cost of repairs and the salvage amount exceed the sum insured or in this case the PAV (pre accident value)

The insurer has no contract with a tp but they still have all rights to write off the car and pay out the total loss amount which is determind on the market PAV at the time of loss.

The insurance companies cover you for up to 20 mil is because there is usually a standard amount they have to cover you for. IE if you crash in to a commercial building, plane or boat, you will be covered.

[Gerg_R31]

2. Stat write off (unsafe to repair and re-register)

if my car was this bad with structual damage then i guess id have to bite the bullet and accept it being writen off

but its repairable so i'm going to try to get it repaired as i was not at fualt and i shouldnt be penalised for doing nothing wrong or liking/spending alot of money a car with little to no market value, (i know insurance companies dont care about this)

im happy if the insurance company pays the panel beater to get me back to where i was without me seeing a cent, which my solicitor tells me there's a small chance it will be repaired and not writen off so ill try any/everything to get it repaired

before

After

[oweban]

lol@blanking plate in 2nd pic but not first

I can understand that you don't want to let go of your car; I fought pretty hard to keep mine when I had my big accident. By no insurance do you mean NONE at all or only third party? Cause if NONE... *facepalm*

dif's right though, if the cost of repair is over a certain % of the market value (in your case, usually insured value) then i'd think they'd just want to write it off. i know she said total cost (PAV).. my bad

[D_I_F]

Small chance.. Not great. Why don't u just have a quote done on the vehicle, have the car assessed and see what the assr says. Even if it does get written off buy the salvage back and fix it yourself. The insurance will pay you squat all it the car has never been assessed. Even if you fix it yourself and try to sue there's no chance you will get back 100% of the cost and you'll be paying for the cost of your solicitors..

[Gerg_R31]

repair costs including all parts (2nd hand and replacement after market) and gst is $3300 at the cheapest

solicitor said i can refuse the insurance companies offer fix it myself (i have the funds 2 fix it now) and sue in small claims court which my solicitor will add his fees and court fees into it as well, no win no fee (other then court fees) and said it usually takes 1 court date.

he said ill never win if i took the insurance company to court, as the other driver admitted fualt straight away and there wasnt a insurance report/claim until i mentioned it his insurance company dont have to pay as he has voided his policy or something as they've told me

and i was waiting till i was 25 and finished my apprenticeship (next feb/march) till i got full insurance, which was also when my big n/a rb30/26de would have gone in