TE911 Posted 26July, 2017 Author Report Share Posted 26July, 2017 @Philbee The cars with Shannon's still haven't heard back from the panel beaters so im going to pop in tomorrow and see whats happening. @AndrewW Thank you that does sound tempting but just like @Harvs11's said im worried that if i get a replacement it's never going to feel the same. Link to comment Share on other sites More sharing options...
D2000 Posted 26July, 2017 Report Share Posted 26July, 2017 @Philbee The cars with Shannon's still haven't heard back from the panel beaters so im going to pop in tomorrow and see whats happening. @AndrewW Thank you that does sound tempting but just like @Harvs11's said im worried that if i get a replacement it's never going to feel the same. Sorry to hear about the accident.If the car is written off, you can always try and buy back certain upgrade components of the car, e.g. looks like you have sports seats.Out of interest, which repair shop have you taken it to? As I understand it Exclusive Bodywerks is the only Porsche authorised repairer, but looks like you had your accident around Rose Bay.Edit: looks like I was wrong and LSR Autobody in Artarmon are also authorised Link to comment Share on other sites More sharing options...
Ozvino Posted 26July, 2017 Report Share Posted 26July, 2017 @Philbee The cars with Shannon's still haven't heard back from the panel beaters so im going to pop in tomorrow and see whats happening. @AndrewW Thank you that does sound tempting but just like @Harvs11's said im worried that if i get a replacement it's never going to feel the same. Glad are ok, its an often used but accurate saying - cars can be replaced, you cant. FYI - I had a good experience with Shannons some time ago, they were very fair, fast and easy to deal with, I hope its the same for you Link to comment Share on other sites More sharing options...
Dreamr Posted 27July, 2017 Report Share Posted 27July, 2017 Glad are ok, its an often used but accurate saying - cars can be replaced, you cant. FYI - I had a good experience with Shannons some time ago, they were very fair, fast and easy to deal with, I hope its the same for youIf it was the other parties fault, Shannon's won't be in the picture .... it will all go through her insurance company.The big hurdle is going to be getting a run of the mill insurance company to understand the needs of a Porsche ....Stay on top of it and insist on only the best! Link to comment Share on other sites More sharing options...
AndrewW Posted 27July, 2017 Report Share Posted 27July, 2017 If it was the other parties fault, Shannon's won't be in the picture .... it will all go through her insurance company.The big hurdle is going to be getting a run of the mill insurance company to understand the needs of a Porsche ....Stay on top of it and insist on only the best!My experience is that you claim with your insurance co and they pursue the other party or their insurer, you pay no excess if at no fault. Link to comment Share on other sites More sharing options...
Lucky Phil Posted 27July, 2017 Report Share Posted 27July, 2017 If it was the other parties fault, Shannon's won't be in the picture .... it will all go through her insurance company.The big hurdle is going to be getting a run of the mill insurance company to understand the needs of a Porsche ....Stay on top of it and insist on only the best!Do not use her insurance company. This is a big mistake some people make. If you do this they will not look after you. Use your insurer. They will then recover their costs from her insurer. Your no claim is protected and no excess is payable if you are not at fault. You also can use your repairer. This is why you take out comprehensive insurance so as they do the work of recovering their money and you have peace of mind Link to comment Share on other sites More sharing options...
D2000 Posted 27July, 2017 Report Share Posted 27July, 2017 Do not use her insurance company. This is a big mistake some people make. If you do this they will not look after you. Use your insurer. They will then recover their costs from her insurer. Your no claim is protected and no excess is payable if you are not at fault. You also can use your repairer. This is why you take out comprehensive insurance so as they do the work of recovering their money and you have peace of mindI went directly through the other driver's insurer (NRMA) when someone (actually an NRMA motor vehicle claims assessor) crashed into my old 135i. They were great to deal with and let me use my choice of repairer (who ended up being on their list anyway). Link to comment Share on other sites More sharing options...
Ozvino Posted 27July, 2017 Report Share Posted 27July, 2017 My experience is that you claim with your insurance co and they pursue the other party or their insurer, you pay no excess if at no fault. that is correct Link to comment Share on other sites More sharing options...
TE911 Posted 27July, 2017 Author Report Share Posted 27July, 2017 @D2000 Thanks for that i was actually wondering if I could keep some parts as i do have sports seats, a aftermarket exhaust and other small things. I took the car to a friends shop called scientific. @Dreamr That is correct i called Shannon's before hand and they told me to claim it under her insurance as it wasn't my fault. She's with Australian Seniors... go figure!@AndrewW @Lucky Phil @OzvinoI was recommended by both the police on the day and my insurance co to file the claim under her insurer. They seemed to be on the ball, called me ASAP let me take my car to my chosen repairer and it was also on their approved list of repairs. Link to comment Share on other sites More sharing options...
AndrewW Posted 27July, 2017 Report Share Posted 27July, 2017 That's very interesting, certainly not how I have done it in the past but then again have not claimed with Shannons (not yet anyway), not sure that I am happy with that scenario as you have no power with her insurer, they owe you nothing. I'm going to check this out further with both my insurers (more than one car), glad this thread started. Link to comment Share on other sites More sharing options...
TE911 Posted 27July, 2017 Author Report Share Posted 27July, 2017 That's very interesting, certainly not how I have done it in the past but then again have not claimed with Shannons (not yet anyway), not sure that I am happy with that scenario as you have no power with her insurer, they owe you nothing. I'm going to check this out further with both my insurers (more than one car), glad this thread started.I've never done it this way either but I figured id give it a go. If it doesn't work out with the other parties insurer ill get Shannon's involved. So far im still waiting for the assessors to get back to me. The waiting is killing me most. Let me know what you find out. Link to comment Share on other sites More sharing options...
ANF Posted 27July, 2017 Report Share Posted 27July, 2017 This all sounds a bit weird to me, you choose your insurance company based on many things, one for me is knowing that they will do a great repair job and not cut corners, if you just hand over the repairs to the other persons insurance this may not happen as we know not all insurance companies are equal or even pay the same rates to the bodyworks (and some insurance companies are happy to use second hand or dodgy non genuine parts....)Also how do you get a guarantee that the repairs will be covered for life (or what ever clause you have) as you are not actually their customer? Get your insurance company to do it, that is why you pay them....Bad luck on the hit too, and glad is all ok with you. The car did indeed do it's job Link to comment Share on other sites More sharing options...
TE911 Posted 27July, 2017 Author Report Share Posted 27July, 2017 This all sounds a bit weird to me, you choose your insurance company based on many things, one for me is knowing that they will do a great repair job and not cut corners, if you just hand over the repairs to the other persons insurance this may not happen as we know not all insurance companies are equal or even pay the same rates to the bodyworks (and some insurance companies are happy to use second hand or dodgy non genuine parts....)Also how do you get a guarantee that the repairs will be covered for life (or what ever clause you have) as you are not actually their customer? Get your insurance company to do it, that is why you pay them....Bad luck on the hit too, and glad is all ok with you. The did indeed do it's job Thanks for the kind words The panel shop i sent the car to is my chosen shop they've never let me down before and the other insurer still guarantees a life time... This is the main reason im concerned and made this thread, also why im going to pop into the shop tomorrow and have a chat with the panel beaters.. if it is repairable i want it to be better than it was before the accident.I wish them good luck with fixing / finding used parts for any of my suspension components as my car was optioned with PASM. Link to comment Share on other sites More sharing options...
AndrewW Posted 27July, 2017 Report Share Posted 27July, 2017 So if the insurer decides to write the car off, do you have any salvage rights ? This is one reason we use Shannons, i'd be F'n furious if i lost my car totally in this scenario.Salvage rights are not that common with insurers. Link to comment Share on other sites More sharing options...
FANBOYPP Posted 27July, 2017 Report Share Posted 27July, 2017 Sorry to hear.These days insurance companies will spend up to 70 even 80% of the vehicle value to repair a vehicle. That's still cheaper than 100%- salvage value most of the time. I used to have an e92 m3 that was crunched in similar fashion- they repaired it. In this situation, I'd honestly rather another clean car than a heavily repaired one. Emotional attachment aside. Link to comment Share on other sites More sharing options...
ANF Posted 27July, 2017 Report Share Posted 27July, 2017 Thanks for the kind words The panel shop i sent the car to is my chosen shop they've never let me down before and the other insurer still guarantees a life time... This is the main reason im concerned and made this thread, also why im going to pop into the shop tomorrow and have a chat with the panel beaters.. if it is repairable i want it to be better than it was before the accident.I wish them good luck with fixing / finding used parts for any of my suspension components as my car was optioned with PASM.I hope it works out well for you. I know that some of the more main stream insurance companies dictate to their repairers how much per hour they will pay them, and then the assessor sets the hours allowed, makes it very interesting to get good work done for the "set price" - there can be lots of "consumables" added in....good luck!I was lucky (of sorts) I had a major shunt with my last Merc (roll over), Shannons were easy to deal with, paid me out with no hassles for the agreed value (they even had to wear the cost of a crane to retrieve my car!). Very happy with them. Link to comment Share on other sites More sharing options...
StevepGT3 Posted 27July, 2017 Report Share Posted 27July, 2017 I hope it works out well for you. I know that some of the more main stream insurance companies dictate to their repairers how much per hour they will pay them, and then the assessor sets the hours allowed, makes it very interesting to get good work done for the "set price" - there can be lots of "consumables" added in....good luck!I was lucky (of sorts) I had a major shunt with my last Merc (roll over), Shannons were easy to deal with, paid me out with no hassles for the agreed value (they even had to wear the cost of a crane to retrieve my car!). Very happy with them.You got pics of the retrieval ? Link to comment Share on other sites More sharing options...
ANF Posted 27July, 2017 Report Share Posted 27July, 2017 You got pics of the retrieval ?No. Once it happened I did not go back. Saw it in the auction yard a few days later to retrieve some personal items. Link to comment Share on other sites More sharing options...
Ozvino Posted 27July, 2017 Report Share Posted 27July, 2017 I've never done it this way either but I figured id give it a go. If it doesn't work out with the other parties insurer ill get Shannon's involved. So far im still waiting for the assessors to get back to me. The waiting is killing me most. Let me know what you find out. you have 5 years to make an insurance claim against your policy Link to comment Share on other sites More sharing options...
Dreamr Posted 27July, 2017 Report Share Posted 27July, 2017 The way I understand how it works is this ..If you have an accident and it's not your fault, and they dont have insurance, you claim through your insurance company and if you can provide the details of the other party, you make a no fault claim and no excess is payable ... they then chase that person for payment .... if you don't have their details, then an excess is payable and your NCB can be affected ....If the other party is insured, the whole claim is handled through their insurer .. if the car is deemed a write off, they will pay you "market value" of your car, minus the salvage value given to them from a wrecker ... the insurance company will give you $xxx and the wrecker will give you the rest.I kept the last car this happened to me with as the wrecker was only offering $200 and I've already sold $800 worth of parts and I've still got 90% of the car left ....Her insurance company have no interest or claim on your car and you can choose how to go with it.The biggest hurdle will be in establishing "market value" .... your thought will be higher than theirs and you'll have to supply examples of others either sold or on the market ...I've just been through it and this is how it worked for me .... Link to comment Share on other sites More sharing options...
ANF Posted 27July, 2017 Report Share Posted 27July, 2017 The way I understand how it works is this ..If you have an accident and it's not your fault, and they dont have insurance, you claim through your insurance company and if you can provide the details of the other party, you make a no fault claim and no excess is payable ... they then chase that person for payment .... if you don't have their details, then an excess is payable and your NCB can be affected ....If the other party is insured, the whole claim is handled through their insurer .. if the car is deemed a write off, they will pay you "market value" of your car, minus the salvage value given to them from a wrecker ... the insurance company will give you $xxx and the wrecker will give you the rest.I kept the last car this happened to me with as the wrecker was only offering $200 and I've already sold $800 worth of parts and I've still got 90% of the car left ....Her insurance company have no interest or claim on your car and you can choose how to go with it.The biggest hurdle will be in establishing "market value" .... your thought will be higher than theirs and you'll have to supply examples of others either sold or on the market ...I've just been through it and this is how it worked for me ....This is not how it has ever worked for me. One massive problem with this is if you have your car insured for agreed value (even if your car is insured for market value your policy should always state what they believe to be the market value....), which most on here would, there is no way they can force you to take market value if your car is insured for agreed value. I would seriously look for a new insurance company if this were the case!It should be you claim through your company, pay your excess and then when the other insurer kicks in you get your excess back, any other way is just dodgy! Link to comment Share on other sites More sharing options...
Lucky Phil Posted 27July, 2017 Report Share Posted 27July, 2017 I guess it is what each person feels comfortable with but I worked for many years in the insurance industry and always I advised clients to use their insurance cover if comprehensively insured. They act on your behalf if there is a 3rd party at fault. These are their favourite claims as they always recover from the other party's insurer (if they are insured). Most companies have a Knock for Knock Agreement in place which means they pay for their own insured's repairs and adjust in bulk later.If the 3rd party is not insured it is a no brainer go through your insurance. Oh and never ever deal direct with the 3rd party to try and help them out. You always end up with problems. And never ever admit liability such as the woman did in the initial incident as posted on this thread as that is a breach of policy.My last claim was 12 months ago. A cab ran up the back of my new Merc (3 months old and I was not happy). Anyway my vehicle is insured thru MB Insurance and I rang them straight away. They said take it to MB Brighton which have a panel repair section. Dealt with Natalie from MB Brighton who took the keys and in 3 weeks the car came back as good as new. Did not deal with insurance again after the initial call. They took care of the recovery of money from cab driver or his insurance co and I did not pay any excess or extra premiumAdvice from my insurer was we will take car of everything that is why you take comprehensive cover. They offered a hire car. New for old for 3 years too in the event of a write off. Painless process overall Link to comment Share on other sites More sharing options...
Coastr Posted 27July, 2017 Report Share Posted 27July, 2017 ^ good advice given right there. Always claim through your insurer and they will handle it all. I once got hit by a guy with no insurance, claimed it through my own. The guy rang me about a week after I got the car back, asking if he could find a cheaper quote to get the car repaired - had to tell him - no mate, the car is already fixed - that is the bill you have to pay, talk to my insurance company. Last I ever heard from him. Why a guy with at least 3k of wheels and tyres on a commodore would drive around uninsured I don't know, but I guess to ask the question is to answer it. The good thing about Shannons and the like is choice of repairer. This means you can go to a marque specialist or simply someone you might know personally and trust. So if the car gets damaged get it straight to them and the rest will go like a breeze. Link to comment Share on other sites More sharing options...
AndrewW Posted 27July, 2017 Report Share Posted 27July, 2017 I rang Shannons today, talked to Peter (?) he advised that you can go either way however they prefer that you claim through them so that they can give you the option of repairer which they will make sure does a great job and also if written off will pay you out plus give you the salvage rights.End of story, contact Shannons and make your claim, don't get screwed around.He also commented that it is not for the police to be advising you on how to handle your insurance claim that is between you and your insurer. Link to comment Share on other sites More sharing options...
jakroo Posted 1August, 2017 Report Share Posted 1August, 2017 I've just been through this in the last month. We were collected by a car losing control while they were on the Camden Valley Way exit on the Hume Hwy and we were continuing on to the M7 interchange. It was high speed (>100km/h) during the evening peak hour and towing a massive box trailer that was loaded. The other car effectively crossed 10 lanes of traffic - across the verge back on to the Hume hwy and 4 lanes to other side, flicked it back again to the breakdown lane and finally back again to collect us in lane 2 and we hit him at about 70km/h, and we then slewed and jack-knifed in to the guard rail and back out in to lanes 2 and 3 another 75-100m down the road from the initial hit. How the other car was not hit in the 10 lane crossing by any one other than us is amazing. How we were not hit by another while sticking so far out in to fast moving traffic is beyond me. Hearing my 11 yr old son ask while we're sliding sideways if we were going to die was quite hard to take on board I'll tell you......Our Jackaroo (not a high end car at 17 yrs and 360k kms old !) was written off, and the uninsured box trailer will cost approx $2k to repair ($5-6k to buy). Other car driver is not insured. We wanted the car back to get some bits off it that are no longer available to buy so we had to buy it back at Pickles Auctions (and that also hurts - another $200 of on costs over what was paid for the wreckage, including a $75 internet auction fee....thieves). Anything bolted on to or wired in to the car is 'the car' and can not be removed after the accident....this would mean that seats, spot lights, extra fuel tanks, phone car kits, stereos etc are part of the car. On road costs are also part of the insured value, so these will be pro-rated and removed from a payout figure and you claim this back separately from the RMS and the CTP insurer.I've been hit 4 times in my Evo (I suspect people don't like it's bright yellow colour) ie I've not been at fault, and each time I've only dealt with my insurer. In this particular case of the Jackaroo, that too is what I have done. Go through your insurer is the way to go in all circumstances. That's what the comprehensive policy is all about - taking the pain from you and letting the professionals deal with it. I should add....the Cayman and the Jackaroo have done their jobs - they were transporting us to a place we wanted to go to, and stepped in to harms way to protect us from the outside environment. Good to know that in this case, you were able to walk away and so on. No doubt, it is a pain in the arse and inconvenient to have your car taken away but there are alternative paths that may not have been so good. You can turn yourself inside out on the what ifs but don't do that.....it is what it is, and work with that.... Link to comment Share on other sites More sharing options...
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