Comprehensive Car Insurance - Claim for damage of your own

[SauRoNZA]

My life insurance covers suicide

Okay you win on a technicality sure.

But if you are known to have depression then it's not covered.

It was simply an example.

 

[Peps]

So in summary, I should talk to a supervisor & find a way to get him to agree to my claim?

 

[Hemi300c]

Bit off topic, but like the Guy who broke his tailgate handle accidenilly

If i suffer a mechanical breakdown, while driving normally and nothing extreme,
Tried to fix it at any motor dealer independant and agent,
Both can't fix it,

Can i claim from insurance? To total loss my car?

Maybe its a silly question, if so I'm sorry,
But I'm considering all options here,

I mean technically my car isn't drivable, so its "totalled" .

Nope mechanical breakdown is not covered under the normal policy but you do get "mechanical/breakdown insurance but it's pricey and selective.

 

[Hemi300c]

So in summary, I should talk to a supervisor & find a way to get him to agree to my claim?

Nope just tell them it's accidental damage which is covered under the policy and if they don't pay you want the Ombudsman's contact details as you wish to approach him.

Check your excess vs cost first.

 

[SauRoNZA]

So in summary, I should talk to a supervisor & find a way to get him to agree to my claim?

In my fight with Outsurance I only had to threaten them with the ombudsman and they suddenly paid out.

Did you admit doing it when talking to them?

 

[Brenden_E]

My life insurance covers suicide

LoL, felt like you need it?

 

[silver6933]

Just like suicide isn't covered my life insurance etc.

BS, beneficiaries get paid out.

 

[SauRoNZA]

BS, beneficiaries get paid out.

Not if there was a pre-existing condition.

I don't know the details exactly but I know of one case personally where it wasn't paid out and have heard of many others.

 

[Colin62]

Did you admit doing it when talking to them?

Whether he did it or not isn't relevant. He didn't intend to do it, which makes it accidental damage and therefore should be covered.

 

[SauRoNZA]

Whether he did it or not isn't relevant. He didn't intend to do it, which makes it accidental damage and therefore should be covered.

Yes I know.

I'm just thinking that Outsurance would play it out as intentional.

 

[dlk001]

Did you admit doing it when talking to them?

OUTSurance advises its clients to never admit guilt in an accident. I think their reasoning is even if you admit doing something, it was not intentional.

 

[Sinbad]

OUTSurance advises its clients to never admit guilt in an accident. I think their reasoning is even if you admit doing something, it was not intentional.

That's standard across all insurance companies. They even say not to apologise. This is so they can negotiate fault with the other party's insurance without your comments prejudicing the outcome.

 

[Colin62]

Even your lawyer will tell you never to apologise or admit to blame. You might think, in the heat of the moment, that it was your fault, but it may turn out not to be, or to be 50-50, and you've now weakened your case.

This goes beyond car accidents. Even when a company gives you a refund, they usually have terms on it which state that the refund isn't an admission that they are at fault.

 

[Peps]

So I called Outsurance myself explaining to the person on the phone how it happened & she approved the claims...so it seems like it was a rep being difficult to my wife.

Thanks for your help.