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SWEET
Fully Licenced
600 Posts
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 Posted - 31 Jan 2007 : 2:41:12 PM
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Hi guys just wanted to talk to u guys bout somthing since this is a vn talk section. u wouldnt believe wat happened this morning. i was driving along princess hwy in the morning at peak hour was just cruizing stop go stop go and went to another stop i got to a full stop and looked behind me and this lady stoped aswell so i thought im all good nothing aint gonna happen then wen i looked forward all of a bloody sudden my neck snaps this dumb ass guy instead of pressing the break he bloody pressed the throttle and slambed into the lady then the lady slamed into me and then i slamed into the lady in front of me. did the paper work and stuff after that i took it to the panel beater as i plan to get my car repaired hoping his insurance will b nice to me cos i aint got insurance. so i took it to the panel shop and they told me its a write off:( they wouldnt bother fixing it. so now i have to chase this guy up get his insurnce name and claim number and do all the ****** up work and hopefully ill get my money bak:( well thats all i wanna say:(:(:(:(
no more car for like i dont know how long. do u guys no how long it takes to get ur money bak and how long all the process will take.
im so sad:((
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YLD50L
P Plater
28 Posts
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Posted - 31 Jan 2007 : 3:05:54 PM
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well... first i would like to say wholly ****...and that it is no good... the main thing is that you are still breathing i guess.. insurance can take a while for the payment due to the fact that they are tighter then a fishes bum hole. his insurance should pay for the lot considering he ran up the other cars ass making him the bad one... just make sure that you reported the accident with the cops otherwise insurance may not pay... i believe.. there is a 48 hr period to report it... but hey there are plenty of vn's in the sea... smile and have a wine thinking you are still alive...  |
Who would have though petrol would cost so dam much |
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SWEET
Fully Licenced
600 Posts
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Posted - 31 Jan 2007 : 3:44:29 PM
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yh thanx babe and yes the cops was there it was that yellow cop car (love it) and the guy that smacked into us admitted to the cop that he pressed the throttle instead of the break thats how i knew. but i havnt got insurance u rekon itll b harder to get the clain and how much u reckon they will pay me for the right off :(
lol im still sad it was the nicest car ive had the interior was perfect everything was nice and but noooooo some idiot had to do somthing dumb and press the throttle another thing hell in earth does som1 press the rong one wen its a manual his car dont u have to let go of the clutch for the car to go and if he brakes he would intend to push the clutch down so if he did accindty push the throttle the car wouldnt go. but anyways who knows right. b4dn xxxx :( |
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mouce
National Driver
1525 Posts
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Posted - 31 Jan 2007 : 3:50:49 PM
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The big bonus is that you didn't get injured. Cars are replacable, people tend to be harder to replace.
While it all sucks, I've gotta ask, why don't you have insurance? It doesn't cost THAT much to get Third party insurance, and most TPFT policies only cost a little bit extra.
I hate to say this but VN's are cheap, VERY cheap, so allowing for the fact that most are only valued at about $2000-$3000, it doesn't take much for it to be THAT damaged, thus being written off. All it would take is to bend the chassis, buckle the roof or the floor pan, crack the firewall...take your pick...any ONE of those is normally enough to write off a VN.
The bonus is if you had your own insurance policy, depending on who you are with, you can negotiate the value of the vehicle...my current policy has the car valued at $5000.
Another positive is that you can find VN's for sale for $1000 or less. So a replacement isn't too hard to come by.
Do yourself a favour, when you get another car, get your own insurance, that way if you hit anyone, the insurance will cover it. On behalf of the rest of the driving community, do us all a favour, get insurance. |
Bite off more than you can chew, and chew like hell - Peter Brock (1945-2006) |
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YLD50L
P Plater
28 Posts
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Posted - 31 Jan 2007 : 3:57:40 PM
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depending on the insurance company they will only pay of the market value... being a vn v6 i would say bout 2-3 gz. which is a bit poo but if they are nice they might go on an agreed value.. but i would make sure you pull out all the good stuff before insurance takes your car.. eg stero.. there are nice vns out there you might need an old granies car then they are always in good nick... i was in the process or selling my vn
http://www.vncommodore.com/forum/topic.asp?TOPIC_ID=658
due to the fact i am at uni.. but i am keeping it now cause i could not get what i wanted for it..
but i would imagine 2 weeks at the most and bout 2.5 gz.. how much were you after.. |
Who would have though petrol would cost so dam much |
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SWEET
Fully Licenced
600 Posts
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Posted - 31 Jan 2007 : 4:20:24 PM
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| i brought my car awhile back form a guy and b4 him was an alderly cuople who owned it since it came out and it was in very beautifull shape i heard the roof linning in most vn's were falling apart this 1 wasnt and the paint was good the interior was clean the engine didnt have oil leaks but the car still had little problems but im still love this car but the big thing is guess how much i got it for? $500 so mayb it is a good thing that i crashed it only to hope i will get paid out. and yes mouce i will try to get insurance next time i think its a good idea as well. and the back of my car looks like it got crushed by a truck even though it was another vn that hit my back lol the lady's vn was tottaly stuffed. but the lady in front of me had like a little scratch to her vt bumberwen the front of mine all the lights are crushed shes lucky i kept my foot on the break wen i got hit or else if i was like the other lady behind me and probly **** herself and let go of the break whichh made the car role harder to hit me. and thanx for being caring guys telling me luckily im still breathing tho my neck is kinda sore. another thing i just checked carsguide and it said the value of my car on private sale is worth $1200-$2000 is that right? and how long do u guys think it will take them to give me my money and wat process if u do know will i have to go on during this claim. thanx heaps VN LOVERS i wouldnt know wat ill do without u guys. THIS SITE IS #1 b4dn xxxx |
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SWEET
Fully Licenced
600 Posts
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Posted - 31 Jan 2007 : 4:29:55 PM
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| oh yeh another thing if i had for example my cd player sound system and stuff wouldnt that put more value to the car. and if its a write off wouldnt the car insurance let me keep the car after the claim has been prossesed??????????? and how do i put up pics in here like in my profile and stuff? p.s this site RULZ...i think im gonna be here along time. and mayb one day we all can meet up on a street cruize or somthing |
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VN Mad88
P Plater
32 Posts
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Posted - 31 Jan 2007 : 6:55:35 PM
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Yeah i can understand about the insurence cause being a p plater i got third party and fire and theft but didn't go for the comprehensive insurence as i thought it was a load of ****. it would have cost me $1000 to insure it and then another $1000 to claim, since i only paid $1500 for mine and u can pick up a decent vn for under $2000 i thought it was a waste of money. My insurence is the way i drive if i crash it doing something stupid and it is my fault then i deserve to loose money. But like i said i did get thrid party and fire and theft. + extra for cover on the sterio.
yeah in most cases they do left you keep the car so you can take all your stuff out of it. So in answer to your question no a sterio dosn't make your car. and Since you didn't have your car insured for a certain value then don't be suprised if the insurence is a lot lower than you think it will be... but hey you might be lucky and make money on your car who knows.
When you do get your next car providing it's vn it should be a lot easier as you can now chop and change between the two cars and judging from what you said your car ain't too badly damaged. So think of it as a parts car, u now have a second engine gearbox, seats, ect... always look at the positives.
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SWEET
Fully Licenced
600 Posts
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Posted - 31 Jan 2007 : 7:04:53 PM
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| oh yeh! that sounds alright but now im just stressing out the insurance company will **** me over and i tried to call the guy that hit us to get his claim number and he wouldnt answer his fone that ass head now thats starting to stress me out more. i just a good gurl :( who just wants wat she deserves to have after all its not her fault. and i need the money fast as i dont have no car no more and need to go work which i work night shift aint got no transport. dam prick had to hit me. ggrrrrr anyways sorry started talking to my self there lol. apreciatte ur help guys and yeh of course im getting a vn love my vn's k ciao! b4dn xxxx |
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SWEET
Fully Licenced
600 Posts
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Posted - 31 Jan 2007 : 7:09:53 PM
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| yeh would be good for parts but only problem im not that gd to strip out the transmission and engine and stuff there to heavy for me. if i cuold i would keep it and take out all the transmission and the engine and put it in my mums car cos her VR has a blown head gasket and its lost 2nd and almost loosing 3rd gear so i thought if i was good and can strip them out ill put it in my mums car that way she wouldnt worry bout her car over heating and stuff but i cant do it:( b4dn xxxx :( |
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mouce
National Driver
1525 Posts
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Posted - 31 Jan 2007 : 7:20:39 PM
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Aftermarket sound equipment doesn't add value to the car in terms of resale value purely because it's a personal thing. What sounds good to you sounds crap to someone else...plus...audio gear doesn't hold its value anyway so...if you think that spending $3000 on sound gear adds $3000 to the value of the car...sorry...it doesn't. $3000 worth of sound gear might add $500 to the value of the car. More to the point, if the insurance company doesn't know that you added the gear then you've got NO chance of it.
The process of a 'write-off' states (and this is more or less what is written into the wording on every policy that I've ever read); in the event of a vehicle being too badly damaged to repair ecconomically (that is, the cost of repairs is more than the replacement cost of the vehicle), a monetary payout of the market value (or agreed value if you've arranged for it) of the vehicle is organised, at which point the vehicle, and all fixed accessories, becomes the property of the underwriting firm.
Which means in laymans terms, you want the money? Then they get the car and anything and everything that's bolted to it (sound gear, two-way radios, rims, driving lights...). Sometimes it's possible that the insurance company will allow you to negotiate the retrieval/buy-back of some items. But not all of them are this understanding.
If you've got the car in your posession at the moment, then I'd suggest taking as much stuff as you want from it BUT...if you take the head unit (for example) you must replace it with another one. If you take the rims off it, you MUST put other rims on there. Simple as that. If you don't and you get caught...you can get done for insurance fraud. Even if you do replace them with other ones you can still get done for fraud because the car has been altered from the condition it was when it was involved in the accident.
Sorry I couldn't give you better news.
Private sale value of the VN between $1200 and $2000 sounds about right. If you shop around you'll find them for less than that, and you'll find them for more than that. But if you set yourself for a budget of $1500 you should be able to pick up another good VN for that.
Depending on who the insurance agency is that has to process the claim, it might be within 7 working days, it could be several months...depends on the particulars of the case. |
Bite off more than you can chew, and chew like hell - Peter Brock (1945-2006) |
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SWEET
Fully Licenced
600 Posts
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Posted - 31 Jan 2007 : 7:31:46 PM
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| wow love it when you right somthing long mouce. umm he told me its racv but he still hasnt given me his claim number(grrrrr) i think there gonna take there time with it since i havnt got an insurance and there gonna **** me around for that i think. wat do u think? i just want everything to go smooth thats all. even if i just get $500 im still happy as long i get somthing instead of nothing. and i wish the guy would co-operate with this. but i delt it. bitch wont answer his fone. ive got no nice rims on them luckily since i was planning to put the rims i have already on them. anyways thanx alot u guys for helping me with information means alot to me. cos i know in this world theres nothing that comes free but i know here it does cos u guyz r all nice ppl who supply information from ur heart and i appreciatte it. thank u again. b4dn xxxx |
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SWEET
Fully Licenced
600 Posts
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Posted - 31 Jan 2007 : 7:41:56 PM
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| YLD50L thats a damn nice car falling in love with it already. how much were u selling it for i would buy that for sure and cos its from here so i know im in good hands if i buy it from som1 here. seriously thats nice. is that a factory sunroof. i rekon vns look nice with a sunroof. anyways b4dn xxxx p.s i talk to much dont i |
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lolo
Fully Licenced
503 Posts
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Posted - 31 Jan 2007 : 7:52:02 PM
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| nahhh its ok just please tell me... and dont laugh... what does "b4dn" mean?? |
Marcus Rogulic R.I.P (1980-2007)
"The Good Die Young" |
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SWEET
Fully Licenced
600 Posts
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Posted - 31 Jan 2007 : 7:57:16 PM
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lol
it means before then meaning like catcha later |
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mouce
National Driver
1525 Posts
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Posted - 31 Jan 2007 : 8:59:25 PM
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Sorry SWEET, but again I come with bad news (but there's a good bit at the end). Because you have no insurance yourself, and you are chasing the payout as an individual, yeah...it's going to be a bit more painful than if you had an insurance company doing the chasing for you.
I have third party fire and theft, and if someone slammed into me, while I wouldn't get any money from MY insurance policy, the fact that I could get my insurance agency to chase it all for me, would mean that the money would rock up sooner and I could go out and get a new VN quicker.
It's all about who has greater 'weight' in the process. You don't have a lot of 'weight' in the whole scheme of things, but an insurance company would be able to get the cash quicker.
It's like when I had to go and deal with an insurance problem of my own, previously I had gone to the local branch of the insurance company in question dressed in jeans and a shirt. I got treated like dirt, being a 22 (then) year old male driving an 18 year old commodore, I did not expect anything more. This time, I got a bit smart, I put on my suit, and a tie, got all dressed up for it, and they just about fell over themselves to serve me. I'm still the same person, but it's just about appearances.
If you had an insurance company chasing the payout for you, it'd be like me putting on my suit. Everything just happens that much faster and easier. |
Bite off more than you can chew, and chew like hell - Peter Brock (1945-2006) |
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SWEET
Fully Licenced
600 Posts
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Posted - 31 Jan 2007 : 9:25:48 PM
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| lol watcha mean itll get betta at the end wat u were saaying was the same as the start didnt get better:( oh yeh got good news.hehe! i just called the guy up and he gave me his claim number and the direct phone number to racv. so im gonna call them tomorow and ask bout it. this is my first time. how should i ask? lol should i just say hi my name is lola and i had a car accident this yesterday morning (calling tomrow) and i was just wondering can i claim bak my money. im clueless wat to say. HELP! can som1 give me a guide of wat to say. thanx heaps if u can help me with that. bless u all VNerz b4dn xxxx |
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mouce
National Driver
1525 Posts
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Posted - 31 Jan 2007 : 10:02:48 PM
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Yeah, sorry about that...there was a bit of good news, but it sort of got lost in the mess that is my mind by the time I made it to the end. 
I think you should call them up, mention that there was an accident, the claim number and ask what (if anything) you need to do to get your money.
If you're lucky you'll get a nice person and they'll be helpful, OR you'll end up with a tool and you'll get screwed around. |
Bite off more than you can chew, and chew like hell - Peter Brock (1945-2006) |
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SWEET
Fully Licenced
600 Posts
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Posted - 31 Jan 2007 : 10:15:07 PM
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| do i just ask for my money or should i say i got a qoute from the panel beater and he said its a write off and wat should i do now. or should i just say straight up how can i get my money lol seriously lol b4dn xxxx |
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mouce
National Driver
1525 Posts
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Posted - 31 Jan 2007 : 11:30:37 PM
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You ask what you need to do. Don't mention that you've been to a panel beater, just ask them what you need to do. Often they'll ask for three quotes...
To make this as painless as possible, and to give you the best chance at getting top dollar (or even your car repaired), ask them what you need to do, then go and do it, then call them back and ask again. That way...they won't get too pissed at you, which means that you'll not get screwed over as much. |
Bite off more than you can chew, and chew like hell - Peter Brock (1945-2006) |
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SWEET
Fully Licenced
600 Posts
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