| Author |
 Topic Search  Topic Options
|
Kazzle 
Senior Member
Joined: 01 January 1900
Location: Porirua
Points: 3830
|
 Post Options
 Thanks(0)
 Quote  Reply
 Topic: dont know what to feel
Posted: 01 September 2008 at 5:42pm |
|
as if we werent struggling enough having just brought our new home.......our car is a write off, and the market value is only $2,800
so this asshole who didnt know how to drive is going to cost us over $8,000 and its going to be a couple of weeks before we can get a new/used car, so there is the travel costs as well
i am just numb at the moment, please murphy leave me alone
|
|
|
 |
|
Sponsored Links
|
|
|
mummy_becks
Senior Member
Joined: 01 January 1900
Points: 14931
|
Post Options
Thanks(0)
Quote Reply
Posted: 01 September 2008 at 5:50pm |
|
|
|
I was a puree feeder, forward facing, cot sleeping, pram pushing kind of Mum... and my kids survived!
|
|
Kazzle
Senior Member
Joined: 01 January 1900
Location: Porirua
Points: 3830
|
Post Options
Thanks(0)
Quote Reply
Posted: 01 September 2008 at 5:54pm |
|
i havent heard back from teh cops either about the court hearing....its just not far that he can do this much damage physically/emotionally and financially and not be accountable for it
|
|
|
|
Daizy
Senior Member
Joined: 19 July 2007
Points: 3933
|
Post Options
Thanks(0)
Quote Reply
Posted: 01 September 2008 at 6:08pm |
 Gah that sucks - so not fair!
|
|
|
|
caitlynsmygirl
Senior Member
Joined: 01 January 1900
Points: 8777
|
Post Options
Thanks(0)
Quote Reply
Posted: 01 September 2008 at 6:51pm |
|
That does suck Kaz, does the guy that hit you not have to pay for anything?how stupid
|
|
|
|
kebakat
Senior Member
Joined: 01 January 1900
Location: Palmy North
Points: 10980
|
Post Options
Thanks(0)
Quote Reply
Posted: 01 September 2008 at 6:56pm |
|
That sucks!
To save a bit of $ though you could always down grade your car. The car I drive isn't worth much (probably a grand) but it's still a good car (even if it aint sexy lol) and we don't put any money into it except for tyres.
|
|
cuppatea
Senior Member
Joined: 05 February 2007
Points: 7798
|
Post Options
Thanks(0)
Quote Reply
Posted: 01 September 2008 at 6:57pm |
|
Normally your insurance (or his if he has any, which i'm assuming he doesn't) will pay for other costs like incurred travel costs etc and normally some money just for the pure inconvenience of it all.
Hope you find a decent car for cheap soon.
|
|
|
|
Kazzle
Senior Member
Joined: 01 January 1900
Location: Porirua
Points: 3830
|
Post Options
Thanks(0)
Quote Reply
Posted: 01 September 2008 at 8:07pm |
|
the thing is, that we were looking at upgrading out car in 12mths, as we can only get 2 carseats in it, and as im about to become a homecarer and we want more kids, we need a bigger car.
yahhh for the bank of mum and dad
|
|
|
|
AnnC
Senior Member
Joined: 01 January 1900
Location: Taranaki
Points: 6796
|
Post Options
Thanks(0)
Quote Reply
Posted: 01 September 2008 at 8:30pm |
I feel your pain Kazzle.
I find it hard that insurance companies will charge you a premium of a say $10000 car then when it comes to pay out will only pay out market value (which is normally a much lesser value) It happened to my sil too when theirs got stolen (about a month or so ago and they still haven't been paid by the insurance company)
we are with ami and they pay out whet we are paying for regardless of the market value of the car.
PS feeling your pain as not one but both our cars are at the mechanic - and one is going to cost a grand to fix 
|
Ann
Also Mum to Josh (15) and Brooke (10)
|
|
minik8e
Senior Member
Joined: 01 January 1900
Location: Taranaki
Points: 5838
|
Post Options
Thanks(0)
Quote Reply
Posted: 02 September 2008 at 7:48am |
Maybe but Ann....if all insurance companies paid out "Agreed Value" as AMI do, the amount of money it would cost would be staggering, as people could insure their vehicles for whatever they want, and the companies would have to pay, even if the car is only worth 1/4 of it. It could lead to some people totalling their cars just for the higher payout (i.e. an upgrade at all insurance customer's costs, as EVERYONE's premium would go up to cover the cost of the inflated claims).
Kazzle....I hope things pick up for you!!
|
|
Bumble
Senior Member
Joined: 27 March 2007
Location: West Auckland
Points: 1691
|
Post Options
Thanks(0)
Quote Reply
Posted: 02 September 2008 at 9:23am |
|
Hugs Kazzle.. that totally sux.
Minik8e: We are with AMI with agreed value. AMI actually depreciate the value of the car each year, so altho we started at agreed of "x" amount, it is now slightly lower than that due to depreciation. We also set the agreed amount at what we paid for the car, which they accepted.
|
|
formerly known as "Bee"
Ethan ~ March 2003 Big 6 year old school boy!
Micah ~ Aug 2008 ~ Smiley pants who loves telephones!
|
|
Kazzle
Senior Member
Joined: 01 January 1900
Location: Porirua
Points: 3830
|
Post Options
Thanks(0)
Quote Reply
Posted: 02 September 2008 at 10:43am |
|
we are with ami, but we were only paying for market value....what really sucks is that we pay all our insurances in full for 12mths, but we dont get any of it back, nor any of the registration either
|
|
|
|
mummy_becks
Senior Member
Joined: 01 January 1900
Points: 14931
|
Post Options
Thanks(0)
Quote Reply
Posted: 02 September 2008 at 11:05am |
OK that is weird, as I am with State and when we got rid of a car we had paid ours in advance they refunded us the left over amount (well I made them but it on the other insurance policies).
|
|
I was a puree feeder, forward facing, cot sleeping, pram pushing kind of Mum... and my kids survived!
|
|
Kazzle
Senior Member
Joined: 01 January 1900
Location: Porirua
Points: 3830
|
Post Options
Thanks(0)
Quote Reply
Posted: 02 September 2008 at 11:28am |
|
yeah ami argument as that our payments are part of the claim, which i dont see how, but i think Kent is going to have a talk to them
|
|
|
|
mummy_becks
Senior Member
Joined: 01 January 1900
Points: 14931
|
Post Options
Thanks(0)
Quote Reply
Posted: 02 September 2008 at 11:32am |
Good he needs to, why pay insurance for a car you don't have at the moment.
|
|
I was a puree feeder, forward facing, cot sleeping, pram pushing kind of Mum... and my kids survived!
|
|
AnnC
Senior Member
Joined: 01 January 1900
Location: Taranaki
Points: 6796
|
Post Options
Thanks(0)
Quote Reply
Posted: 02 September 2008 at 4:32pm |
|
Kazzle I think something is up there as when my parents sold a car (or was it a house) and still paid insurance on it. All they had to do was show when they sold it and they got refunded the difference (and that was ami)
I guess with you insuring for market value you kinda knew the risks.
miniK8e I think that all insurance companies should at least give you the option. my sil inlaw thought she would get what it was insured for on pay out and is getting half of what it was. kinda like a boot up the a#se cause her car got stolen not in an accident.
|
Ann
Also Mum to Josh (15) and Brooke (10)
|
|
busymum
Senior Member
Joined: 01 January 1900
Location: New Zealand
Points: 12236
|
Post Options
Thanks(0)
Quote Reply
Posted: 02 September 2008 at 7:50pm |
|
We bought our van (Nissan Serena) for $5K off a dealer and it has needed very little maintenance. Hopefully you can find a good vehicle for not too much $$
On the positive side, I'm glad you're about to become a home carer. I think the mums are going to love you!
|
|
|
|
dont know what to feel
