The totally off-topic thread

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Car repair:

Not at fault claim through GIO. Rear bumper hit by another car.

Local repairer says he is GIO approved. Has the sign outside.
GIO says he is not according to their computer (may have been in the past but not now). I said to GIO so someone is incorrect. Repairer can see on his computer system the invite from GIO to quote on the repair.

My policy allows choice of repairer.

Does being "approved" mean anything?
How important is choice of repairer?
 
Quickstatus said:
Car repair:

Not at fault claim through GIO. Rear bumper hit by another car.

Local repairer says he is GIO approved. Has the sign outside.
GIO says he is not according to their computer (may have been in the past but not now). I said to GIO so someone is incorrect. Repairer can see on his computer system the invite from GIO to quote on the repair.

My policy allows choice of repairer.

Does being "approved" mean anything?
How important is choice of repairer?
Click to expand...

From my experience with them, that means that they will not guarantee the repair for life.
 
Quickstatus said:
Car repair:

Not at fault claim through GIO. Rear bumper hit by another car.

Local repairer says he is GIO approved. Has the sign outside.
GIO says he is not according to their computer (may have been in the past but not now). I said to GIO so someone is incorrect. Repairer can see on his computer system the invite from GIO to quote on the repair.

My policy allows choice of repairer.

Does being "approved" mean anything?
How important is choice of repairer?
Click to expand...

Normally the benefit of an approved/accredited repairer is the insurer will guarantee the repairs even if the repairer won't. The insurer can't force you to use one of their repairers (although they will only cover the "reasonable cost" of repairs, so your repairer will have to agree a price with the GIO assessor).

Source: I'm an insurance claims manager (not GIO though)
 
Quickstatus said:
Car repair:

Not at fault claim through GIO. Rear bumper hit by another car.

Local repairer says he is GIO approved. Has the sign outside.
GIO says he is not according to their computer (may have been in the past but not now). I said to GIO so someone is incorrect. Repairer can see on his computer system the invite from GIO to quote on the repair.

My policy allows choice of repairer.

Does being "approved" mean anything?
How important is choice of repairer?
Click to expand...
we have just been through a similar thing with AAMI. Poor Dr FM was in an accident (not her fault, guy came out of a give way when he shouldn't have - she slammed in brakes, but couldn't avoid him). Anyway she tells tow truck operator she is with AAMI, and he takes car to what is supposed to be the nearest AAMI repairer. Apoarently he no longer is and after a week AAMI try to get the car moved to one of theirs. Original guy refuses to let car go. By now Dr FM is on her way to Tassie to do her clinical exam, so hands the mess over to Mr FM.

It it turns out original guy wanted time to do a quote and tries to talk Mr FM into using him. He told Mr FM he was removed from the list of approved repairers because he wouldn't bring his prices down to the very low prices AAMI demands. He says he is about quality not cheapness.

Mr FM talks to AAMI and they say yes he can, doesn't need to use their one, but given we have no idea whether first repairer is any good, he tells AAMI to move the car to one of theirs. While we have sympathy with first guy and it appears AAMI is taking a Cole's approach with suppliers, it is all too hard.

So two weeks after the accident Dr FM is still without a car and I don't even think AAMI is at the point of deciding whether to repair or write off. :(.
 
Our EA had a nice Toyota that was a few years old but ran well enough. She had no plans to replace it. Someone slammed into her rear with a 4 WD. He was totally at fault as she was stationary at the red light. And had been for a while. Her car a write off and looked it. Trouble is it was only valued at $3.5 k. Where on earth can she buy a safe reliable car for $3.5k. She then had to take out a loan and buy a car. Not fair really.
 
Quickstatus said:
JohnK, From your perspective what are the downsides of JQ Y to HNL?
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The downsides are that it's JQ, a LCC, and it's a long flight. It's there for the brave and those that cannot afford premium travel.

In saying that I have sat in row 10 on JQ Dreamliner and think that's acceptable. Didn't get chance to try other seats.

I don't think Cruiser could handle the trip down the back as he's been spoilt with SQ and Krug.
 
Re: Who says share markets ALWAYS make money over long time periods?

Where is that thread that popped up in the past few days discussing the Qantas booking engine and the ubiquitous "!"?
 
Pushka said:
Our EA had a nice Toyota that was a few years old but ran well enough. She had no plans to replace it. Someone slammed into her rear with a 4 WD. He was totally at fault as she was stationary at the red light. And had been for a while. Her car a write off and looked it. Trouble is it was only valued at $3.5 k. Where on earth can she buy a safe reliable car for $3.5k. She then had to take out a loan and buy a car. Not fair really.
Click to expand...

On one level its not fair but in the grand scheme of things it is. Imagine everyone having the ability to insure for double the value of the vehicle. Insurance premiums would go through the roof and fraudulent claims too.

We have a 2005 Chrysler Voyager 175000km. Bought from new. Good condition. Its probably worth less than $8000. No way we are selling it because its still runs very well and we know the full history and its utility to us is more than its face value.
 
Quickstatus said:
On one level its not fair but in the grand scheme of things it is. Imagine everyone having the ability to insure for double the value of the vehicle. Insurance premiums would go through the roof and fraudulent claims too.

We have a 2005 Chrysler Voyager 175000km. Bought from new. Good condition. Its probably worth less than $8000. No way we are selling it because its still runs very well and we know the full history and its utility to us is more than its face value.
Click to expand...

Sure. But it's a bit hard to rationalise the grand scheme when it's ones own personal circumstances that have to wear it.
 
Pushka said:
Our EA had a nice Toyota that was a few years old but ran well enough. She had no plans to replace it. Someone slammed into her rear with a 4 WD. He was totally at fault as she was stationary at the red light. And had been for a while. Her car a write off and looked it. Trouble is it was only valued at $3.5 k. Where on earth can she buy a safe reliable car for $3.5k. She then had to take out a loan and buy a car. Not fair really.
Click to expand...

And where did the "valued at $3.5K come from". Was it her insurance, or the third party?

As described, with the other party totally at fault, they are liable for damages to return the injured party to their original position. Whatever the insurer might try to say (hint: it is valued at $3.5K, here is the money, your problem now), if your EA found for an equivalent vehicle - same make, model, age, equivalent condition (mileage etc.) then the cost to acquire that vehicle is what the other party should have to pay. Whether that was $3.5K or $13.5K - the actual cost in the real market when needed would be what applies - not some notional estimate.

Of course, taking on an insurance company may not be so easy for most.
 
3.5k was what the car was insured for. In terms of 'value' to her it was worth much more. Didn't need replacement. She knew its history etc and she'd had it for a while.
 
Don't look at the internet for a few days and wow, so many posts to catch up on.

Did I miss anything important? Probably not....
 
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