I crashed my cousins car

Insurances are the biggest legal scams there is. They always look at claims from a point of not paying and the whole point of getting an insurance is for them to pay. So if you have a chance, lie, steal from them because they rip us off.
 
dam said:
Thanks everyone, at least now I have a better idea of what the situation is.

I have a feeling that the repairs may be less than the excess if I find the right repair shop, the damage was not massive. I was told the excess would be R4200.

Another possible problem I face though is that there was another car involved, and the accident was my fault, kinda, I have photo's of the stop sign which is half obscured by an overgrown tree and the road markings which are badly faded. That is why I crashed, I didn't see the stop sign in time due to it being obscured. If this goes to court I will blame the municipality for not maintaining the road markings.
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Never admit any wrongdoing, insurances will not pay. Never even under oath admit that you were wrong.
 
Mbuzi said:
Insurances are the biggest legal scams there is. They always look at claims from a point of not paying and the whole point of getting an insurance is for them to pay. So if you have a chance, lie, steal from them because they rip us off.
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That's probably why they're sceptical of paying until incidents have been investigated. Thanks for cocking it up for everyone else.
 
Mbuzi said:
Never admit any wrongdoing, insurances will not pay. Never even under oath admit that you were wrong.
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+1

They are out to get your cash from the point you sign those papers and will do everything in their power to get out of paying.
All you had to mention that it was you driving the car at the time of the crash, don't give any more information unless they ask and if they do... Lie.
 
supersunbird said:
My Santam insurance doesn't care who drives my car as long as they have a license and are not drunk.
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Same for me at M&F. It is usually the cheap mass market insurance companies like Outsurance, Budget and Auto&General that have BS like "designated drivers". They use this as a possible loop hole to escape paying out in case of an accident. That should teach people not to mess around with crap insurance companies.

Strangely enough, when I completed a quote request on Hippo.co.za all of these so called el-cheapo companies came back being much more expensive than what I am now paying.
 
xrapidx said:
you basically also need the insurances permission to drive the car for extended periods - if you don't have that,i.e. you're not listed as a regular driver on her policy, then you could have problems.
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Agree.

We just got new insurance for my wife last month and we had to make it very clear that both of us are regualr drivers as its our only car. Made no difference on our premiums.
 
Mike Hoxbig said:
That's probably why they're sceptical of paying until incidents have been investigated. Thanks for cocking it up for everyone else.
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I am sorry but after the insurance company refusing to pay for our recent burglary I no longer advocate being honest with them. As being honest will get you screwed!
 
IF the car was insured and someone that isnt a designated driver crashes it then they have to pay out regardless, all they can do is add an extra amount to the excess.
If you are a designated driver then it makes no difference as to how long you have had the car. Why would they even ask you that in the first place?
Insurance companies are always trying to get out of stuff like that, you just have to fight them.
 
Rocket-Boy said:
IF the car was insured and someone that isnt a designated driver crashes it then they have to pay out regardless, all they can do is add an extra amount to the excess.
If you are a designated driver then it makes no difference as to how long you have had the car. Why would they even ask you that in the first place?
Insurance companies are always trying to get out of stuff like that, you just have to fight them.
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Depends on your policy.
 
Rocket-Boy said:
....all they can do is add an extra amount to the excess....
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That is exactly what they have done. They did call me again this morning asking who drove the car the most so they seem to be trying something here? Will update this thread soon as I get more news.
 
Rouxenator said:
Same for me at M&F. It is usually the cheap mass market insurance companies like Outsurance, Budget and Auto&General that have BS like "designated drivers". They use this as a possible loop hole to escape paying out in case of an accident. That should teach people not to mess around with crap insurance companies.
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+1

Also use a broker and will continue using a "middle man" because I HATE those outsurance, miway & dial direct ads.

Sent from my HTC Desire using MyBroadband Android App
 
dam said:
That is exactly what they have done. They did call me again this morning asking who drove the car the most so they seem to be trying something here? Will update this thread soon as I get more news.
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<removed before the next forum war> Read these rulings: http://www.osti.co.za/index.php?page=regular-driver If she is listed as the regular driver, and you are the regular driver, they do not have to pay.
 
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xrapidx said:
<removed before the next forum war> Read these rulings: http://www.osti.co.za/index.php?page=regular-driver If she is listed as the regular driver, and you are the regular driver, they do not have to pay.
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Thanks, she did most of the driving when we went out on weekends and since I work from home I only used the car about once a week (sometimes not even) so I told them she drove the car more than me which is true, just the car is at my place more than hers.
They have put the claim through so that makes me think there is good chance that it will be paid out, still waiting to hear it from them officially though.
 
Mbuzi said:
So if you have a chance, lie, steal from them because they rip us off.
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And then they'll have to screw over more honest people (Like say Lino) to cover the losses made due to the lying SoBs. Great. :rolleyes:
 
HavocXphere said:
And then they'll have to screw over more honest people (Like say Lino) to cover the losses made due to the lying SoBs. Great. :rolleyes:
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... I think they'd screw honest people regardless though :/

My first thought with any warranty, guarantee, insurance etc is that they'll do anything to get out of replacing or repairing at their cost. From cameras, to computers, to cars to houses - they blame everything from user error to wear and tear

Even though a warantee, guarentee or insurance is supposed to be piece of mind, I always have to get ready for days of fighting
 
supersunbird said:
My Santam insurance doesn't care who drives my car as long as they have a license and are not drunk.
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Same with mine, anyone can drive my car and crash it and they will fix it. The only difference is if the driver is under 25 there is an extra R300 excess.

Also with Santam.
 
Mr Smooth said:
Insurance companies look for any excuse not to pay a claim.
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Exactly, even if the accident is not your fault. (EG: if somebody drives into you whilst you are waiting for robot). If the accident is not your fault, but you happen to be under 25.... Then why must you pay excess?
 
That depends on who you are with. I have had smooth claims even after writing off my car and a few others in the process. That was 7 year ago and since then I have still have decent premiums each month, the kind that cannot be beaten by anything from hippo.co.za
 
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