3 claims in one month

Cius

Cius

Honorary Master
Joined
Jan 20, 2009
Messages
10,411
Reaction score
8,285
Location
Johannesburg
FML

So the wife had swiped walls etc with my car over the past year and I am thinking of selling the thing so I put in two claims about 3 weeks ago to have the dings repaired. Got the car back on Saturday. This morning I am driving to work in my other car when someone pulls out in front of me from behind a truck. No time to do much. Managed to break and swerve a bit but still ended up hitting him so here comes claim no 3. Sigh.

At least no one was hurt and the guy was very decent about it. It was heavy traffic and he could not see me either due to a parked truck in gridlocked traffic so no one's fault really. At least my reactions where good enough to get some breaking and steering in as otherwise I would have hit the doors where his wife and kid where very hard perhaps causing major injury.

Insurance company is probably going to really hike my premium now though.
 
That's depressing. Your risk profile is going to be adjusted and premiums accordingly. It sucks!
 
Yep, and it was none of my fault. Well, the wife is grouped with me and she does suck at parking apparently but the accident this morning could not have been avoided. The guy pulled out right in front of me with zero warning. Also its close to year end so I am wondering if the panel beaters will have time to repair my other car in time. Lets hope.
 
Pepper your angus buddy, premiums are going nowhere but up. :(

Happened to a mate of mine a few years back, he was 23 with 3 claims over 2 months, and another claim 6 months later. They more than doubled his premiums (which at 23 were pretty high already).
 
If you are in an accident you are required to tell your insurance regardless. They sort it out between themselves.

There was recently a guy who after self repairing a bunch of minor dings claimed for a big claim and the insurance refused to pay. When asked why they said we can see lots of work was done on the car yet you did not claim. The guy said yes, he did it as it was minor stuff and he did not want his premium raised. They insurance company said that was in essence hiding your risk profile as the higher premiums would have been fair and refused to pay. He sued and lost. Hence its not wise to hide any accident from your insurance these days as it can screw you over down the line.
 
So the wife had swiped walls etc with my car over the past year and I am thinking of selling the thing so I put in two claims about 3 weeks ago
Click to expand...

Did both of those the last month? I thought insurance people didn't accept claims older than 30 days from the incident?
 
Odd, both where very old and they did not query them at all. I just said it was not convenient before to do it and wanted to do it now.
 
Cius said:
If you are in an accident you are required to tell your insurance regardless. They sort it out between themselves.

There was recently a guy who after self repairing a bunch of minor dings claimed for a big claim and the insurance refused to pay. When asked why they said we can see lots of work was done on the car yet you did not claim. The guy said yes, he did it as it was minor stuff and he did not want his premium raised. They insurance company said that was in essence hiding your risk profile as the higher premiums would have been fair and refused to pay. He sued and lost. Hence its not wise to hide any accident from your insurance these days as it can screw you over down the line.
Click to expand...

Interesting. I had a window broken when my bag was stolen from my car (I was nowhere near my car at the time). I wasn't sure if I could claim for it & didn't want my premiums to rise if I did, so I just paid the R600 to have replaced myself. I guess it wouldn't really be regarded as an accident by them.
 
Cius said:
If you are in an accident you are required to tell your insurance regardless. They sort it out between themselves.

There was recently a guy who after self repairing a bunch of minor dings claimed for a big claim and the insurance refused to pay. When asked why they said we can see lots of work was done on the car yet you did not claim. The guy said yes, he did it as it was minor stuff and he did not want his premium raised. They insurance company said that was in essence hiding your risk profile as the higher premiums would have been fair and refused to pay. He sued and lost. Hence its not wise to hide any accident from your insurance these days as it can screw you over down the line.
Click to expand...

Eish ..really...you 100% sure about this? There are policies that cover minor paint repairs separately so these shouldn't affect your overall risk.

I don't think this really applies.
 
Cius said:
If you are in an accident you are required to tell your insurance regardless. They sort it out between themselves.

There was recently a guy who after self repairing a bunch of minor dings claimed for a big claim and the insurance refused to pay. When asked why they said we can see lots of work was done on the car yet you did not claim. The guy said yes, he did it as it was minor stuff and he did not want his premium raised. They insurance company said that was in essence hiding your risk profile as the higher premiums would have been fair and refused to pay. He sued and lost. Hence its not wise to hide any accident from your insurance these days as it can screw you over down the line.
Click to expand...

Sounds like that guy's insurance company is just a bunch of cocks. Is he with Outsurance by any chance? I'd move the very same day if they tried that pathetic excuse with me.
 
SSung said:
Interesting. I had a window broken when my bag was stolen from my car (I was nowhere near my car at the time). I wasn't sure if I could claim for it & didn't want my premiums to rise if I did, so I just paid the R600 to have replaced myself. I guess it wouldn't really be regarded as an accident by them.
Click to expand...

That's theft, not an accident.
 
So how exactly do you go about getting lots of minor dings and scratches repaired all at once?

Do you lie when you claim?
 
tRoN said:
Eish ..really...you 100% sure about this? There are policies that cover minor paint repairs separately so these shouldn't affect your overall risk.

I don't think this really applies.
Click to expand...
Definitely not 100% sure, it was something I overheard my father say. He was the one that read the article in question and gave me the summarized version. Someone else there also confirmed they had seen the article. From the impression I got its not for scratches or broken windows, its for actual dents that require panel beating.
 
You must log in or register to reply here.
Back
Top
Sign up to the MyBroadband newsletter
X