What Pisses Me Off: Car accidents and insurance companies 160

What pisses me off


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On the 6th of January, I was involved in a car accident. A lady in a 4WD ploughed into my 4 month old VW car and caused $30,000 damage. She failed to stop at a STOP sign – luckily neither of us were badly hurt physically.

My first gripe is that WA Police will not attend a traffic accident unless you are killed or seriously injuredŠŠ and I cannot comprehend this.

Second gripeŠ I was informed by my insurance company that in order for me to collect my belongings from the car, together with my personalised number plate that I would need them to contact the wreckers and obtain permission for me to go and collect and an appointment was required which they would make on my behalf. Mind you I have no carŠ and the wreckers is at least 20 km away.

After 2 emails and at least 5 phone calls, which involved being placed on hold for what seemed hours and repeatedly having to identify myself, I was told that someone would call me back. Of course no one ever called me back.

I proceeded to call the wrecking company myself and after several calls (pleading my case over the phone) I was allowed to go and collect my belongings out of the car, thanks to a kind neighbour who drove me.

Now 3 days later, surprise, surprise someone calls me back about this matter.

Third gripeŠ – I enquired as to when I would receive the cheque for the carŠ. I was told that the cheque would be issued in joint namesŠ but the car was just in my name! I explained that my husband and I did not have a joint bank account.This would make it difficult for me to bank the cheque when it arrivedŠŠŠ. According to the insurance company that is just how it has to beŠŠ. Then I was told that the cheque would take 7-10 days to arrive. I live in Perth and the cheque is coming from BrisbaneŠ. Why does mail take so long? I am at a loss to understand.

Meanwhile my husband and I have opened a joint bank account so I can bank the cheque when it arrivesŠŠŠ. I have no car, no cheque and the stress of this whole affair has taken quite a toll on me. I would also like to mention that the person who wrecked my car has made no attempt to contact me to ask if I am OK or at least apologise for all the stress this accident has caused me. Amazing that she would not even careŠ. I know she probably is also stressed but it would be a nice thing to do.

I now have to wait 3 months for an identical car to arrive from Germany.

Thanks to Carla for sending this one in.

Have you had something like this happen to you? Did it piss you off? What happened? Tell us below.

Guest Contributor

  1. We are insured with Shannon’s. When I rolled our car in far north Qld, we received nothing but prompt, courteous and compassionate service. Our pay out came within days of lodging our claim, together with re-imbursement for accommodation and car hire.

  2. Sorry to hear about your problem however there are things to learn in your experience. Hopefully this never happens again but the first thing is look into changing insurance companies and what there process is on paying a claim. Glad you are not physically hurt.

  3. Learnt one thing very early in life.
    After a car accident take all your private stuff out immediately.
    Of course if you are injured this poses quite a problem.
    A work colleague left her garage opener in hers, not only she couldn’t get in her house when she got home but had to plead with the towing company to let her into the car.
    It appears once the car is in their yard they have more rights to it than you.

    1 REPLY
    • I work as a tow truck driver . You are allowed to get your belongings from your car , after you either lodge your ins claim or pay for the towing . Some people without ins would collect their stuff then disappear . As a smash driver I always tell people to take their stuff out at the scene if possible .

  4. Is that a VW front end?

    1 REPLY
    • Looks more like a Kia to me – and that isn’t anywhere near $30,000 worth of damage visible. In fact, it would be impossible to inflict damage to that value on that model as it wasn’t remotely worth that, even when brand new.

  5. We are insured with NRMA and I have found them to be amazing with both help over the phone and repairs. I had a hire car for 3 and half months fully paid as my car ( and caravan) were repaired. Our accident was in a country town and we took the car back home to Sydney while repairs were being done.. Would recommend you change in durance companies

  6. Some companies are awesome & compassionate, others just couldn’t be bothered..they have your money..boohoo!!!! I love my Insurance mob.

  7. it pays to insure with a company which operates in the city you live in ! saves a lot of time if you deal with a local company !

  8. Sorry to hear your troubles Carla, but maybe others reading it will realise how much benefit that little extra on your insurance for a hire car is while your car is being fixed/replaced. My car had an altercation with a low brick wall about 7 years ago at 8am, and AAMI vehicle assessor arrived within an hour of my call and everything arranged for the repair by lunchtime. It took 3 days to repair and after I got it back, I had a call from AAMI checking that everything was OK.

  9. That’s the problem using a budget insurance company. I’m with YOUI and their claims service is awesome, similar accident settled in 3 days just love them we have everything insured with them

  10. Why do we start every Sunday morning with someone who’s pissed off. Take a day off

    3 REPLY
    • Don’t read it Thea if you don’t want negatives. I find it very interesting and to my benefit to know which insurance companies handle claims efficiently

    • I understand what your are saying and agree with you. Would just like to see something lighthearted when I switch my phone on on a Sunday morning Especially when I’ve had a working week dealing similar issues. Enjoy your Sunday.

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