WA Double Insured with Car Insurance - Possible to Claim Back?

[Clancy]

Sorry for all the questions, i am not trying to deflate your claim, i am just trying to help you be as aware as possible....

The recordings, do you actually have an acknowledgement on their side of being aware of being recorded?

That's good news on the repairer being chosen by you.

I am assuming the bike was assessed by the insurers assessor and written off by the assessor? or was it just your repairer saying it was a write off?

 

[Brendan]

No i appreciate ur comments. I have got acknowlegement but not permission. I got the no worries remark. And ok. I told them i was recording and didnt ask for permission that i was a little concerned about. But they are accepting that they made a mistake. I think its fair that they give me what was told to me and agreed to on our conversation. I dont know how they can get out of this one. But i know how crafty they can be. Thats y i need as much knowlege and ammo for the response i am awaiting

 

[Clancy]

Cool, ... i think if you can establish they were aware of your recording, then its pretty solid.

But what about the assessor?

 

[Brendan]

Cool, ... i think if you can establish they were aware of your recording, then its pretty solid.

But what about the assessor?

There assesor deemed it a write off. My repairer gave a quote. They didnt exept

 

[Brendan]

There assesor deemed it a write off. My repairer gave a quote. They didnt exept

She said that it has never happened before and that within 7 days they will have a decision. That may change either way. That they agree with me or that they take the offer that she gave me for reimbursement of my lost deposit and the exess waved. I suppose we will see.

 

[Brendan]

She said that it has never happened before and that within 7 days they will have a decision. That may change either way. That they agree with me or that they take the offer that she gave me for reimbursement of my lost deposit and the exess waved. I suppose we will see.

I really appreciate your time and advice. Thank u

 

[Clancy]

There assesor deemed it a write off. My repairer gave a quote. They didnt exept

The assessor deemed it a write off, ok good, got anything in writing towards that? Ok what can happen is, they might say the write off was based on your repairers quote, and a different repairer might have quoted a different price resulting it not being declared a write off. What is in the contract regarding insurer option to seek other repairer quotes? This could wind up being the basis of any defense in court.

 

[DMLegal]

I worked with an insurer for about three years, I’ll give you a few tips on what rattles their cage.

1. Don’t stop calling and complaining. Where I worked claim teams were assessed on the number of complaints, how they were managed etc. More complaints meant lower scores which meant lower bonuses.

2. You can escalate a complaint to an IDR team and I would encourage you to do so if you don’t receive a response to any complaint in 48 hours. IDR deal directly with ‘Team Leaders’ who make the decisions.

3. Given it has been several months, go to FOS. IDR will contact you once you claim to FOS, if they can’t resolve it, it’s $2-3k for just opening a complaint with FOS that comes out of the insurers pocket; they really really hate it.

4. It is rarely intentional that stupid decisions are made, claim managers get less than 10 minutes per claim, so they don’t read the history and make a decision off the cuff based on the last note on the file. Complaints get up to an hour to be resolved. Make sure you lodge an official complaint though and you aren’t just brushed off with a sorry from a claim manager

 

[Adam1user]

I worked with an insurer for about three years, I’ll give you a few tips on what rattles their cage.

1. Don’t stop calling and complaining. Where I worked claim teams were assessed on the number of complaints, how they were managed etc. More complaints meant lower scores which meant lower bonuses.

2. You can escalate a complaint to an IDR team and I would encourage you to do so if you don’t receive a response to any complaint in 48 hours. IDR deal directly with ‘Team Leaders’ who make the decisions.

3. Given it has been several months, go to FOS. IDR will contact you once you claim to FOS, if they can’t resolve it, it’s $2-3k for just opening a complaint with FOS that comes out of the insurers pocket; they really really hate it.

4. It is rarely intentional that stupid decisions are made, claim managers get less than 10 minutes per claim, so they don’t read the history and make a decision off the cuff based on the last note on the file. Complaints get up to an hour to be resolved. Make sure you lodge an official complaint though and you aren’t just brushed off with a sorry from a claim manager

Hi, thanks for this inside input! helps a lot, I never faced any problem with my insurance companies (always not at fault with my claims) but very good info for the future!