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  1. #11
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    How does it work when a repair shop has a deal with an insurance company? I've just been talking with my BFF who works as an insurance broker and she said she just looked up the legislation again and it says 2 quotes?!

    It's all very confusing?

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    Is she claiming through her insurance or your insurance? Because technically if you are at fault the claim should be put under your insurance company. If you aren't going through the insurance company at all and you plan on paying for the repairs then it is a private agreement and I would be dealing with the lady directly and requesting that she get more quotes.

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  4. #13
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    @meredithgrey technically it was her fault. But because I was the car behind, in the eyes on the law I'm at fault. There was nothing I could have done- she braked suddenly in front of me for no reason. The traffic was clear.

  5. #14
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    Quote Originally Posted by dee1 View Post
    Is she claiming through her insurance or your insurance? Because technically if you are at fault the claim should be put under your insurance company. If you aren't going through the insurance company at all and you plan on paying for the repairs then it is a private agreement and I would be dealing with the lady directly and requesting that she get more quotes.
    She has lodged a claim via her insurance company who have got in contact with me. We have decided that for the excess and the resulting raise in premium if we claimed, that we will just pay. So it is an insurance claim, but we have decided not to use our insurance.

  6. #15
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    (Df's decision, not mine.)

  7. #16
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    It was at an intersection. Am I supposed to leave car length spaces at intersections? She started entering the traffic (of which there was none on-coming) and then braked suddenly. I was beginning to enter behind her.

    I hardly would say I was being silly.

    And I'm not a child. You don't need to tell me 'discussion over'.
    Last edited by Mod-Nomsie; 18-06-2014 at 17:14.

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  9. #17
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    Quote Originally Posted by meredithgrey View Post
    Not a car length, but enough room in case they stall or don't take off as quickly as you anticipated, so that you don't drive up the back of them.

    Also I was referring the other lady as doing a 'silly thing" (braking suddenly for no reason) not you I was taught to drive as though everyone else on road is an idiot and is about to do something stupid.

    But anyway, enough about road rules. I offered my thoughts earlier about what to do with the insurance quotes, along with the consideration that the lady is probably frustrated with the inconvenience of having to chase up multiple quotes for something that she legally wasn't at fault for. Apologies if I offended you.
    Apologies for snapping. I'm sorry. I've had a horrible day on top of discovering my boys new BMX bikes were stolen Monday night and I feel very upset that the man on the phone was so rude. I'm usually polite to a fault and today I have lost it all.

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    Quote Originally Posted by meredithgrey View Post
    Not to start an argument but if that is exactly why you leave a big enough gap between the car in front of you because people do silly things like that. Which is you are at fault. Discussion over.
    lol sometimes we aren't always able to leave loads of space between us and the driver in front, that's life! I bumped someone from behind turning right at a T intersection. The person in front had turned right (or so I thought) so I checked left and right and went - however the guy in front had had a seniors moment and stopped 2 meters into the intersection. He knew he was at fault but I still had to pay. Had nothing to do with me leaving enough room, I wasn't even looking for him because I had seen him go! Sometimes these things happen.

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    If you want to claim damages from someone, the claimant has to mitigate their loss.

    That means she has to choose a reasonably priced person to fix the car, but not necessarily the cheapest.

    If you think the repair costs are excessive, then you should notify the other party, telling them what you think is reasonable.

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    Can you send the quote, maybe minus the $ amount, to another panel beater and get them to tell you how much they would charge? I presume the quote has all the required details. Then go back to the insurance company and request their client uses that panel beater.

    Obviously I don't know the rules, just throwing ideas for you. I really hope you have more rights in this. I was in a car accident around the same time as you, not fun and this kinda stuff makes it all worse.

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