AAMI Insurance - Reduced Payout As Car Was Previously A Repairable Write off

LLenitza on 26/09/2016 - 13:46
Last edited 27/09/2016 - 17:15 by 1 other user

Hi all, my mother had accident where she was at fault. Now AAMI doesn't want to fix or pay out for her car. They said that the car has been previously in accident and wasn't fixed properly. They just want to pay her $4,400 for her to find someone and fix her car. They had full insurance and car was insured for $18000 on market value.

From what I could see and what some people have told me car should be write off as there is a lot of damage. Should I just let it be and take that money or argue and even maybe take them to court? Anyone here been in similar position

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Comments

  • Skramit on 26/09/2016 - 13:51
    +1

    Was she in another accident before hand that wasn't fixed properly?

    • oscargamer on 26/09/2016 - 13:52

      that is the question……..

  • Lenitza on 26/09/2016 - 13:53

    She bought car from pickles 6 years ago and it was fixed by mechanic, it passed inspection and was drived for 6 years with no problems

    • Skramit on 26/09/2016 - 14:28

      Passed who's inspection - a road-worthy? The insurance company?

  • bobbified on 26/09/2016 - 14:19
    +2

    I'm assuming AAMI has a mechanic's report to say that there's existing damage? Ask for a copy of the report so that you know what basis they're refusing to fix the damage - that way, you've got all the information to make an informed decision to either dispute or accept their assessment.

    Also, did you get a mechanic's report at the time the vehicle was purchased to say that the vehicle was roadworthy? You might need this if you are planning on disputing the insurer's decision.

    I don't believe the disclosure terms have been breached here because I'm assuming you didn't intentionally hide the fact that the there was previous damage and you bought the policy in good faith.

  • Lenitza on 26/09/2016 - 14:53

    This car was bought on pickles auction as repairable write off and it was fixed and inspection was done by rta to be able to re register. When the policy was bought No one has ever asked if the car was in previous accident, if they did i would of told them.

    • dasher86 on 26/09/2016 - 16:04
      +4

      I'm assuming it's in the T&Cs somewhere.
      As it was a 'repairable write off' the market value would substantially less than $18,000 market value (this value is probably based on a car that wasn't a repairable write off).

      That is what the insurer is most likely having issues with. the market value of the car should be significantly less.

  • supnigs super skids on 26/09/2016 - 20:30

    Case of the "tough titties"

  • Lenitza on 26/09/2016 - 20:40

    If they pay $10000 or even just fix the car i would be happy but they don't want to do that, they just want to pay $4400 and they want us to find mechanic to fix it..when buying policy they should have an option where you can put that car was previously damaged

  • snook on 04/10/2016 - 16:48

    I don't like AAMI. They will do most things to get out of paying.

  • Euphemistic on 05/10/2016 - 09:18

    Maybe I'm reading differently, but doesn't it say they want to pay for the repairs. "People" are not experts and probably don't actually know if it should be a write off. If the value is $18k and the repairs are assessed at $4,400 there is no way it will be written off.

    Get another opinion from a smash repairer for the cost of the repairs, then go back to AAMI and make sure they repair the car.

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