Playing open card with insurance

M

Maruti.learns2rock

Well-Known Member
Joined
Dec 4, 2017
Messages
115
Reaction score
0
Good day

I'm asking this for my cousin she bought a second hand car, from a private seller the seller didn't disclose that the car was involved in an accident. When my cousin was told that the is something wrong with her car.

She thought maybe it's potholes, so she laid a claim with her insurance. Then took her car for second opinion thats when she discovered, that her car was involved in a front accident.

So she informed her insurance that it looks like the previous owner was involved in an accident. Because the claim was laid the assesor took the details, then the she said she will call her with feedback.

What can she expect she not expecting much?. Especially future claims.
 
They won't cover existing damage. If its new, you should be fine.
 
xrapidx said:
They won't cover existing damage. If its new, you should be fine.
Click to expand...

It's a second hand car it's driveable but needs some work. As she went for a second opinion ,everything including labour come down to R35 000.

Don't know much about cars but she needs to fix it. Because it will always work in her disadvantage if she is involved in front accident.

I know it's a wishful thinking because she was honest, the insurance can't have mercy and help her out even if its only going 50/50.
 
Maruti.learns2rock said:
It's a second hand car it's driveable but needs some work. As she went for a second opinion ,everything including labour come down to R35 000.

Don't know much about cars but she needs to fix it. Because it will always work in her disadvantage if she is involved in front accident.

I know it's a wishful thinking because she was honest, the insurance can't have mercy and help her out even if its only going 50/50.
Click to expand...

But they don't need to help her? The car was not insured by them when it was in an accident.
 
F1 Fan said:
But they don't need to help her? The car was not insured by them when it was in an accident.
Click to expand...

Like I said wishful thinking

Okay lets move on so would you advice her. To clear her credit history. Then maybe after sell the car for R50 000 she is church person be honest with the dealer. Pay the car off and get something else.
 
Last edited:
Maruti.learns2rock said:
Okay lets move on so would you advice her. To clear her credit history. Then maybe after sell the car for R50 000 she is church person be honest with the dealer. Pay the car off and get something else.
Click to expand...

1. The insurer will never cover damages that happened to the car whilst it was not insured by them.
2. If the car is only worth 50k - it makes zero sense to spend 35k to fix it.
3. A dealer will not touch it if it was in a front end smash

Best bet would be to try sell it as-is and move on.
 
The car is worth R80 000 to R100 000 I was just saying R50 000 because of the damage. If we play open cards maybe the buyer can offer us, R50 000.
 
Then the best bet would be to sell it as is. If it's worth R80k to 100k - R50k sounds reasonable.
 
Insurer's assessor should sort out old and new damage. They should fix the new damage.
Then sell privately or dealer.

Insurer will not and cannot be expected to do more than that.
 
F1 Fan said:
Private. Dealer will give you next to nothing.

Was it bought privately? How was the damages not picked up before buying the car?
Click to expand...

One of those things and it took full two years for the damaged to be seen. Its underneath the car is driveable it does not give any issues. I think it was bought privately.

Roughly a dealer lets estimate can offer how much.
 
Maruti.learns2rock said:
The car is worth R80 000 to R100 000 I was just saying R50 000 because of the damage. If we play open cards maybe the buyer can offer us, R50 000.
Click to expand...

Don't make any rash decisions about selling the car, the car is driving fine as you say, go for a third and a fourth opinion if needs be and be sure what is wrong with the car. Who gave you the quote for R35k? Take you time and talk to people, someone will know someone who can repair the car at a cheaper price.
 
thechamp said:
Don't make any rash decisions about selling the car, the car is driving fine as you say, go for a third and a fourth opinion if needs be and be sure what is wrong with the car. Who gave you the quote for R35k? Take you time and talk to people, someone will know someone who can repair the car at a cheaper price.
Click to expand...

Good point I think second opinion is needed, she did e mail me the quotation. I do think the is a room for discount, maybe also ask for only important stuff to be fixed first. Other stuff can be fixed at a later stage.
 
Maruti.learns2rock said:
One of those things and it took full two years for the damaged to be seen. Its underneath the car is driveable it does not give any issues. I think it was bought privately.

Roughly a dealer lets estimate can offer how much.
Click to expand...
Firstly you discovered 2 years after you bought the vehicle that it was involved in a smash.

Now you want to claim from your insurance for this damage? Damage that was caused by the previous owner ?

Isn't this regarded as fraud on the insurance company?
 
Undertaker015 said:
Firstly you discovered 2 years after you bought the vehicle that it was involved in a smash.

Now you want to claim from your insurance for this damage? Damage that was caused by the previous owner ?

Isn't this regarded as fraud on the insurance company?
Click to expand...

Playing open cards with insurance
So she informed her insurance that it looks like the previous owner was involved in an accident. Because the claim was laid the assesor took the details, then the she said she will call her with feedback.
Click to expand...
 
You must log in or register to reply here.
Back
Top
Sign up to the MyBroadband newsletter
X