Insurance Claim with Some Prior Damage

Lbaghwan on 10/03/2020 - 10:38

I recently collected a roo into the font of my car, not enough to write it off but enough to make it significantly unroadworthy. I have comprehensive insurance that's covering it, but they want me to copay two parts that had some minor damage from previously things. My bonnet had some very minor hail spots and my wheel cover had a dent from a previous roo. The insurance assessors possition was that the lastest damage to both these parts was repairable but he had concerns that when they go to paint the repaired parts that it will make the previous damage look bad/worse and that if I copay they will replace the entire damaged part ($160 for bonnet and $130 for wheel cover on top of $800 excess).

I'm not too concerned about paying, it seems like fair price to replace the entire part, I'm just wondering if something like this is normal or if I'm being unfairly squeezed? That they should be replacing the damaged part regardless of its prior condition?

Cheers.

Automotive Car Insurance Insurance

Comments

  • 87percent on 10/03/2020 - 10:54
    +7

    sounds like a fair price actually ($160 and $130)

  • kahn on 10/03/2020 - 11:07
    -2

    but they want me to copay two parts

    Are you sure they didn't say "cosplay two parts"?

  • cloudy on 10/03/2020 - 11:23

    Sounds entirely fair, who’s your insurance with?

    • baghwan on 10/03/2020 - 12:20

      Budget Direct

  • Slippery Fish on 10/03/2020 - 11:34
    +1

    I'd be happy if that was my company offering to do that. They having said no to repairing the parts but also offered to fix the old damage at a very reasonable rate.

  • bobbified on 10/03/2020 - 12:34

    that if I copay they will replace the entire damaged part ($160 for bonnet and $130 for wheel cover on top of $800 excess).

    Tightarse budget insurance company asking for an extra $290. A larger company probably wouldn't even blink an eye at that amount (or even much more).

  • [Deactivated] on 10/03/2020 - 12:48
    +4

    I'm being unfairly squeezed?

    For getting you to pay for damages not caused by this incident?

  • Seraphin7 on 10/03/2020 - 16:33
    +1

    Take the offer, get the damages repaired and then those parts are entirely covered by ongoing insurance. Seems like a simple pay and move on scenario. For $300-odd this will be money well spent.

  • Typical16-bitEnjoyer on 10/03/2020 - 17:03

    Sounds like a good offer. Take it. Be thankfully they aren't playing the "unreported prior damage" card to make your claim a living nightmare.

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