Just looking for some advice.
So I have been in an accident where my car has been written off by NRMA for "economical reason - more the fix the car than its agreed value" (I have both my comprehensive and CTP insurance with them, if it makes any difference). I have been deemed not at fault for the accident, so they are paying the agreed value to me. But they are keeping my premium which I only paid less than a month ago (over $600 for 12 months). So they told me that it's in the policy, I checked and it is, but I feel like that’s a dick move for them to hold the premium when I’m NOT at fault. Because I am more out of pocket than if I don’t have any comprehensive insurance, since I should be able to claim from the other insurance company anyway, I have all the details of the at fault driver - rego, name, address.
I was wondering whether I could not proceed with the claim through NRMA and claim through the other party insurance (taxi) and cancel my policy with NRMA after and get my premium refunded!
Questions to you guys
1. Is it even possible to do what i suggested above?
2. How difficult would it be to process the claim on my own if NRMA doesn't help me to claim
3 if anyone can tell me the steps to claim without going through NRMA
I have been with them for 19 years, and this is the only major accident ever! I’m really disappointed with them!
Any idea is appreciated!
I was never asking for advise to get the premium back after I get the payout, since it is in the policy (it was just dumb of me not fully understanding that it means). I have stated IT IS in the policy, I said I feel like its a dick move, but I never claim that I didn't sign the policy. What I was asking is if there's anything else I could do.
UPDATE! For those that are interested as to what is possible for their future reference
So I got in touch with NRMA, so it is possible to pause the claim even though I have called. So it is not true that the simple fact of calling NRMA making me "agree" to the settlement. You still have choice to decide whether you want to pursue it yourself with the at fault party. It may or may not worth your time and effort, but that is for you to decide.
Furthermore, NRMA lady said that they can hold the claim for me to seek compensation from the at fault driver or their insurance. But I can only claim from their insurance if they have also lodge a claim to their insurance. And it is more than OK for me to go back to them if I can't contact the at fault driver. They will then settle the claim as they would previously.