Jump to content
SAU Community

Anyone Good With Insurance Particulars?

nicr4wks

By nicr4wks,
in Engines & Forced Induction

 Share

Recommended Posts

nicr4wks Experienced

nicr4wks

Posted
Posted

Hey Guys,

Wasn't sure what section to post this, so FI seemed most relevant!

I was rear-ended last week by a bloke who admitted playing around on his mobile, most of the damage went to the rear left of my 33, the exhaust took a pretty bad hit causing it to be bent like a banana. It was a HKS Hi-power turbo back which the repairer has quoted at $2700 to replace.

Now, somehow I managed to forget this on my policy (seriously), i've added every little piece of stupid shit down to the fuel pump and ecu but somehow I've forgotten the exhaust! Idiot.

So of course my insurer has come back telling me to bugger off with the exhaust claim, however since I'm not at fault doesn't the claim go against the 3rd party? A few years a go I only had 3rd party on my own vehicle, I was in a not-at fault accident and the at-fault insurer replaced all parts with the same or comparable parts.

If I was at fault in this instance, no worries, I'm at fault for the crash and forgetting to list the exhaust. But if I had no insurance at all, and I claimed directly against the 3rd party, like my previous experience they'd probably cover like-for-like parts, it feels like I'm paying more for full comp insurance but losing out.

Do I have a leg to stand on here?

Cheers!

GTRPSI Mentor

GTRPSI

Posted
Posted (edited)

Nick, did you post this over at Austech in general chat?

If so, ive replied over there......

Find a repairer with a lawyer, dont go through your insurance, ive done it this way a few times, last time the guy who hit me was with the same insurance company as i had, my panel beaters lawyer took on the insurance and they paid (and were spewing i didnt go through them so they could get out of a few things and negotiate the claim)

You dont have to go through your insurance if its not your fault and the other guy is covered, you just need a panel beater who has a lawyer to handle things, lawyer costs are washed into the cost of repairs (for us anyway).

Edited by GTRPSI
Nismo 3.2ish Grand Master

Nismo 3.2ish

Posted
Posted

Would the insurance company still have to replace the exhaust with a standard one,if so maybe you could pay the extra to the panel beaters to get what you want ?

Or do the insurance companies give you the arse all together if you have mods that are not listed ??

Just having a guess, have not had a prang for a long time, 50 years , had all of mine up to 22 :(

GTRPSI Mentor

GTRPSI

Posted
Posted

Some policies have a clause if you have mods that were not reported, that they can void your policy.

I had a customer over about 3 months ago who recently bought a late model hilux with a lift kit, he had a kangaroo run into the side of a door, called the insurance and as soon as the assosor saw the lift kit he told him he had zero cover as he did not report the mod.

Owner told his insurance he bought it that way and didnt know it was a mod, besides how does a lift kit effect if a kangaroo runs into it, insurance told him where to go, its in the policy.

Got his balance of his $1200 policy back and had a panel shop fix the door for $900.......life went on.

nicr4wks Experienced

nicr4wks

Posted
  • Author
Posted (edited)

If so, ive replied over there......

That is indeed me :)

maybe you could pay the extra to the panel beaters to get what you want ?

This is possible, however I'd be paying about 60% of the cost to do so. Considering I wasn't the one who admitted to playing around on their phone, why should I pay anything?

Edited by nicr4wks

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
 Share
Go to topic listing


  • Similar Content

  • Latest Posts

    • Milkmun
      The FD RX7 is the best looking 90's JDM car

      By Milkmun · Posted

      Lucky man, who owns it in the family? Any pics? 
    • Kinkstaah
      Mistakes were made, my R34 Story

      By Kinkstaah · Posted

      The engine stuff is Greg Autism to the Max. I contacted Tony Mamo previously from AFR who went off to make his own company to further refine AFR heads. He is a wizard in US LS world. Pretty much the best person on earth who will sell you things he's done weird wizard magic to. The cam spec is not too different. I have a 232/234 .600/603 lift, 114LSA cam currently. The new one is 227/233 .638 .634. The 1.8 ratio roller rockers will effectively push this cam into the ~.670 range. These also get Mamo'ified to be drilled out and tapped to use a 10mm bolt over an 8mm for better stability. This is what lead to the cam being specced. The plan is to run it to 6800. (6600 currently). The Johnson lifters are to maintain proper lift at heavy use which is something the LS7's supposedly fail at and lose a bit of pressure, robbing you of lift at higher RPM. Hollow stem valves for better, well everything, Valve train control. I dunno. Hollow is better. The valves are also not on a standard valve angle. Compression ratio is going from 10.6 to 11.3. The cam is smaller, but also not really... The cam was specced when I generated a chart where I counted the frames of a lap video I had and noted how much of the time in % I spent at what RPM while on track at Sandown. The current cam/heads are a bit mismatched, the standard LS1 heads are the restriction to power, which is why everyone CNC's them to get a pretty solid improvement. Most of the difference between LS1->LS2->LS3 is really just better stock heads. The current cam is falling over about 600rpm earlier than it 'should' given the rest of my current setup. CNC'ing heads closes the gap with regards to heads. Aftermarket heads eliminate the gap and go further. The MMS heads go even further than that, and the heads I have in the box could quite easily be bolted to a 7.0 427ci or 454 and not be any restriction at all. Tony Mamo previously worked with AFR, designed new heads from scratch then eventually founded his own business. There he takes the AFR items and performs further wizardry, CNC'ing them and then manually porting the result. He also ports the FAST102 composite manifold: Before and after There's also an improved racing crank scraper and windage tray. Helps to keep oil in the pan. Supposedly gains 2% power. Tony also ports Melling oil pumps, so you get more oil pressure down low at idle, and the same as what you want up top thanks to a suitable relief spring. There's also the timing chain kit with a Torrington bearing to make sure the cam doesn't have any thrust. Yes I'll post a before and after when it all eventually goes together. It'll probably make 2kw more than a setup that would be $15,000 cheaper :p
    • MBS206
      Can't put strut back

      By MBS206 · Posted

      Because the cars wheels are on blocks, you slide under the car.   Pretty much all the bolts you touched should have been put in, but not fully torque up.   Back them off a turn or two, and then tighten them up from under the car with the wheels sitting on the blocks holding car up in the air.
    • MBS206
      Can't put strut back

      By MBS206 · Posted

      Yes. Imagine you have the car on the ground, and you mine away all the ground under and around it, except for the area directly under each individual wheel. That's exactly how it'd look, except the ground will be what ever you make the bit under each wheel from
    • GTSBoy
      Can't put strut back

      By GTSBoy · Posted

      Yes, if you set the "height" right so that it's basically where it would be when sitting on the wheel. It's actually exactly how I tighten bolts that need to be done that way. However....urethane bushes do NOT need to be done that way. The bush slides on both the inner and outer. It's only rubber bushes that are bonded to the outer that need to be clamped to the crush tube in the "home" position. And my car is so full of sphericals now that I have very few that I need to do properly and I sometimes forget and have to go back and fix it afterwards!
×
×
  • Create New...