Farkin insurance wan#%ers

[dmouse]

what is a resonable amout of time to effect a repair on a motorcycle, ????.

ok here is the scene on the 5th of october i was taken out by a 4x4 he was on company insurance and accepted full responsabilty, still good that i had witnesess even a cop (thanks Mr Reid ) now im not blaming the poor dude trying to make a living that is fixing the bike, but the delay in effecting the repairs and the delay in obtaining parts, ok still with me ? ok i will go slower pause !!

ok the bike is a harley fatboy 1998 the forks,handlebars,levers, and all the rest of the stuff on the forks wheel guard ect are now crap broken just scrap metal, why is it taking so long to get replacment parts, there are thousands of dealers in the USA ( uncle sams arsenal ) for one custom chrome have all the parts on there website, if its not my fault should these parts not be sent by air frieght or is insurance cut throat cheepscape postage the problem, i have missed out on a few good runs especialy the magpie run im gona miss the santa parade maybe now i wont get a pressie from him god im so angry it takes this long to fix it, if it had been written off i could of bought a replacement off of ebay and it been here by now o well anyone else had simular probs advice and yes im lucky to be alive i had a angel that day she even notified my misses that i was down but not out and i thank her for that, if she is in here she knows who she is big hugs and thanks heaps.

[scracha]

what is a resonable amout of time to effect a repair on a motorcycle, ????.

Can't you just "hire" a replacement motorcycle as part of the claim or does insurance in this colony not cover "inconvenience"? Tell them that you're going on a "run" every weekend and they'll be paying the hire costs till you get your bike back.

[dmouse]

i have full comp but it does not and will never cover a replacement bike, i have argued this with my present company and the previous had the same policy, they cant get it through there heads it was not my fault but it is me that has to suffer tough shit i guess, until more bikers damand this on there insurance it will not be available to us.

[Matt_TG]

It sounds like a repairer issue rather than insurance, the insurance companies don't actually fix bikes.

In saying that however, are you claiming on his insurance? If so you are a third party and really his insurers have no obligation to sort you out in a timely manner. It may suck but it's a fact.

-edit- As you are insured your insurers should act promptly. If it's something out of their control (parts ex overseas) their hands are tied too

"Inconvenience" or consequential losses are generally not covered, unless stated as so in your policy wording.

Good luck, hope you get things sorted asap, the weather being so good isn't helping you much!

[dmouse]

i have fully comp insurance so does the dude that hit me, his insurance is with his business, i have claimed through my insurance and they pass on the cost to the other party once work is completed, there is no insurance company in NZ that will cover the cost of a rental/loan bike until repairs are effected, believe me i have phoned them all, i pay at the moment $1220 for full cover on my 1998 HD fatboy fully customised with all items listed seperatly no points on my license ( a licence is a privalidge ) im 49 with full no claims, had three accidents in my riding history and these have been in the last three years, but none of them were my fault, hit from the side by a dick overtaking and didnt see me came right into me from the left ?, second one was a dick that ran a red i was turning right with the green and he hit me from behind on state highway 1 at 6ok and he got let off as it was his first offence !!!!!!, last one the dude did a u turn in my face says he didnt see me ??? but he saw the car behind me ???.

i bet he got a loan or rental car until his was fixed, me i suffer from claustaphobia and cannot drive a cage as i get physicaly sick and hate it, this is a leftover from my first off in 04 where i was seriously fucked up lost a few bits internaly and mentaly in that one.

[janno]

Oh bugger. Perfect riding weather at the mo, too. No wonder your undies are in a twist. Mine would be somewhat . . .

[hospitalfood]

insurance companys really do make people unhappy

[dmouse]

you hit the nail on the head great weather missed bike meets, magie and gona miss santa`s run for the kids, and insurance take ya buck but dont give a f!!!!

[scracha]

i have fully comp insurance so does the dude that

Regardless of whether you're fully comp, third party or uninsured then surely the 3rd party (if they are at fault) legally have to pay reasonable expenses to keep you mobile. If they are insured then the costs would be borne by their insurance no?

For example, if some eedjit wrote my car off then I would be expecting to be refunded the hire car costs I'd have to have as I'm self employed and need a vehicle to see customers.

I gather loss of income is covered by ACC but what about the grey area of other expenses such as the above.

Could someone in the industry clarify this? I thought the "not at fault" party had to take reasonable steps to minimise their costs and therefore all appropriate taxi/bus/train/hire (even interest payments for a replacement vehicle till the 3rd party paid out) costs were reimbursed by the "at fault" parties insurance?

[dmouse]

ok i got shoulder and elbow damage, ACC is gona cover the cost of repair there so no probs, i dont work my wife is a tetraplegic in a wheelchair since 85 and an accident in the uk, so i have looked after her and three sprogs since then.

tommorow phone your insurance and ask them what if ?, do you get a replacement bike i bet its NO

[devnull]

Try using the 2 magic words that insurance companies like to hear...

"Insurance ombudsman"

If you believe that they are being unreasonable and you can't get anywhere with them, mention to them that you're going to cantact the insurance ombudsman to take things further

[Matt_TG]

Could someone in the industry clarify this? I thought the "not at fault" party had to take reasonable steps to minimise their costs and therefore all appropriate taxi/bus/train/hire (even interest payments for a replacement vehicle till the 3rd party paid out) costs were reimbursed by the "at fault" parties insurance?

One could certainly seek reimbursement from the at fault party. Most Liability Sections of Motor Vehicle Policies state something to the effect of:

You are covered for your legal liability arising from:

accidental loss to anyone else’s property (including loss of use)

You're dead right about being reasonable with costs though. If the at fault party or their insurers didn't cough up you could take them to the Disputes Tribunal - the referees there are pretty good in seeing what can be a personal hardship as a result of no wrong doing on your part.

Try using the 2 magic words that insurance companies like to hear...

"Insurance ombudsman"

You have to go through the insurer's internal complaints system and exhaust every other avenue of reaching a resolution first though. It's a bit like saying "I'm going to Fair Go". Often heard and those who say it think it's the scariest thing that can be said. Not true.

[dmouse]

below is copy of emails from the insurance company of the dick that hit me and the repairer names removed to protect privacy. i left mine in there as i have nothing to hide

dave


31/10/07

Hello Dave,
Everything is good insurance is confirmed to pay for excellent job to get bike back to excellent condition,we have also got in quote for you ,new drive belt replacement which is another $750 dollar job,parts are being ordered and sourced, paint is booked in with dean, tank will be mounted correctly and all small bolts that are bent will be replaced,l have very experienced trades man doing job,who specialises in this type of job,our only delay now is waiting for parts and out work, we want to have machine all ready for delivery to you mid DEC or before the sooner the better as we do not receive one dollar until job finished correctly
Regards ????????



Hi David,

I have just been speaking to ???? who has in turn been speaking to Christchurch Motorcycles.

They will be sourcing parts via Arlen Ness as well; Christchurch Motorcycles are in the process of doing the estimate and it will be ready as soon as possible.

They also estimate once all parts are available, repair time is likely to be in the region of 7-8 weeks.

With regard to your rights as the victim, I do not think there is much recourse available to you as we are doing everything we can to move the process along, as did the Assessor; we are in fact only slowed at this point by Rolling Thunder (we received claim form on 09/10/2007)

Rolling Thunder had the bike delivered to them on 11/10/2007 and then advised Assessor that they would not be able to provide estimate for 3 weeks on 19/10/2007; bike was then moved to Christchurch Motorcycles to get things moving.

The Assessor that is working on this Claim is an IAG assessor; IAG own State, NZI, NAC & Swann Insurance, so the processes are as streamlined as possible to enable as fast of service as possible for you, there will always be variables that are outside of our control.
Regards


NAC Broker Claims

[Matt_TG]

I think you need to lean heavier on the repairer Dave. It looks like it's all authorised and approved, the only thing holding it up is actually getting the bike fixed. Damn.

The hold up seems to be getting the bits from overseas. Insurers can say to you they will only pay the market value of any new parts, accessories or tools that are
unobtainable in New Zealand. The most they usually pay is the last known selling or list price in New Zealand plus the reasonable cost of fitting. In this case they seem to have approved getting the parts from overseas, but will only pay sea freight.

You could argue that what they pay extra for airfreight could be saved by a reduction in your additional claim against the third party insurers for a hiire vehicle and losses...

[dmouse]

i have written a very strongly worded letter to both insurance compaies involved, but its proberly a little late now as the parts will be in the pacific on a slow boat somewhere.its not the repairer its down to the insurance company penny pinching my is insured for 50k believe it or not, and i have every nut and bolt listed includeing price, how i had wished that they had written it off, but never mind as long as its put right.

there estimate at 14k for parts i am sure does not include labour,repaint custom artwork, and there is allways extras so i gues repairs are going to end up somewhere around 16 to 18k at the end of the day.

i have the police coming to see me tommorow for an impact statement, but i cant use this in that as its coverd by insurance, as my injuries cannot be used as ACC covers that, so basicly all that the impact statemnt covers is me going stir crazy on these lovely hot and sunny days, maybe i will be lucky and santa will deliver my bike in time for xmas, because if it dont appear before then i will have to wait until work resumes after the hols and evrything catches up the dockers unloading my parts customs, frieght to the workshop and staff at the shop sobering up shit maybe next year then