FTO AUSTRALIA

Bennoz wrote:Get back on to NRMA, my step had a prang in the exact same manner.

NRMA offered him a premium excess, to which he paid, was another $600 odd bucks, the car was then repaired immediately (in your case written off & full value paid out to you), then NRMA on their own time went after the at fault driver.

You have to remember, the insurance company will do EVERYTHING in their power NOT to pay the claim. They came back to you & said no - you just rolled over & accepted it. Go back and fight it, but be smart about it.

Advice from my misses who just fought & won over our claim:
- Ring up NRMA & pretend to be someone else, just ask for general advice
- Ask about the premium excess senario I mentioned above
- Ask them where in the PDS it states the reason why you were knocked back - I guarantee it wont be there.
- Take contemporaneous notes when you do. Note the time, date, and name of the person you spoke to
- Send in your complaint in writing stating all these facts.
- In your complaint ask why the reason for your knock back isnt in the PDS
- Ask how you could have made an informed decision as to taking out the policy, when all the information wasn't disclosed to you.

The more holes you can poke in their story the better. It'll go to their legal team, you may have a bit of to & throw with them, but stay firm.
Last of all, take the emotion out of it, they don't give a sh*t about your financial hardship, just state the facts.

rock_it wrote: But she doesn't have comprehensive insurance... Nor does the guy who hit her... So a different case..

Her policy is Fire/Theft and third party ... So since none of that applies in this case, then they will not pay her anything. If the other bloke just has compulsory third party, and no comprehensive, then his cover is for property damage... Not damage to others...

So she has to chase him for any cash. And since she has not paid a "premium" to an insurance company, they are not going to fight for her, as they have not got a cent out of her, or never will get one out of him...

Bennoz wrote:

rock_it wrote: But she doesn't have comprehensive insurance... Nor does the guy who hit her... So a different case..

Her policy is Fire/Theft and third party ... So since none of that applies in this case, then they will not pay her anything. If the other bloke just has compulsory third party, and no comprehensive, then his cover is for property damage... Not damage to others...

So she has to chase him for any cash. And since she has not paid a "premium" to an insurance company, they are not going to fight for her, as they have not got a cent out of her, or never will get one out of him...

That's not true. Go ask Rhys, he got hit, not at fault, he only had Fire/Theft with NRMA, other driver denied fault, then wouldn't pay. Rhys paid the premium, NRMA did the rest.

And it was your insurance mate that gave us this advice

I'm not here to provide the ammo, only the gun. Jaz can build her own case.

Bennoz wrote:He's been very handy I must say

Was one of his industry mates that gave us the advice on Conor's prang too, the one where he wasn't a named driver. We've won on both occasions now.

Oh & he said to say G'day to you last time I spoke to him

rock_it wrote:You need a solicitor if you want to fight it...

Old mate will say that he hit Jaz after she hit the other car. So she will be liable for her damage to the front of her car, and the car she hit.

Old mate will be responsible for the rear end damage. He will claim he is poor, doesn't have insurance, and a long winded legal battle will take place. You will end up paying thousands in fees, to recover a small amount, that he won't pay anyway. Maybe you will be lucky to get $0.10 to the $1 as he will claim "financial hardship".

All in all, you will lose thousands...

Jaz wrote:

rock_it wrote:You need a solicitor if you want to fight it...

Old mate will say that he hit Jaz after she hit the other car. So she will be liable for her damage to the front of her car, and the car she hit.

Old mate will be responsible for the rear end damage. He will claim he is poor, doesn't have insurance, and a long winded legal battle will take place. You will end up paying thousands in fees, to recover a small amount, that he won't pay anyway. Maybe you will be lucky to get $0.10 to the $1 as he will claim "financial hardship".

All in all, you will lose thousands...

That's literally exactly what's happened/ happening thats why im about to write old mate a LOD

Vectose wrote:Typical Can't be bothered using the phone to actually make a call.