Mate this has always been the case , when ever there is an accident the insurance is charged for the tow
Wombat 280 said
10:35 PM Mar 29, 2010
It would seem that in this case nothing was covered by insurance .
Now if the tug had broken more than 100 k's from home and couldn't be fixed straight up he would be covered or accommodation and repairs including the tow, but as this was deemed to be a mech failure only up to the instance of the wheel fell off at which point it became an accident and cover under his top shelve premium policy is apparently voided .
I agree he should be covered regardless but that's insurers for ya what sounds simple to you and I is lost in the fine print . If sense was common them we would all have it
brickies said
11:43 PM Mar 29, 2010
Yes in that case I don't believe it is an accident , should be a a mechanical problem and should have dealt with under policy was it a motoring club who has made this rule or a local operator getting a quick dollar
Cruising Granny said
11:43 PM Mar 29, 2010
I reckon if this person really pushed the facts, and maybe recruited some legal assistance he'd come out ok.
Even if the NRMA was involved, the insurance should cover it from the accident perspective.
One should never take the word of these organisations because they will do everything in their power to avoid honouring their policies, which the motorist has paid good money, a lot of good money for.
PeterD said
03:17 PM Mar 30, 2010
It would have been interesting to see the rest of the article. Why did you cut it off at that point?
Delta18 said
06:18 PM Mar 30, 2010
Wombat 280 wrote:
It would seem that in this case nothing was covered by insurance .
Now if the tug had broken more than 100 k's from home and couldn't be fixed straight up he would be covered or accommodation and repairs including the tow, but as this was deemed to be a mech failure only up to the instance of the wheel fell off at which point it became an accident and cover under his top shelve premium policy is apparently voided .
I agree he should be covered regardless but that's insurers for ya what sounds simple to you and I is lost in the fine print . If sense was common them we would all have it
Not totally correct Wombat. As a breakdown like you said - over 100km from home and cannot be repaired within (I think) 24 hours then towage to a place of repair OR to your home, accomodation if you choose the near place of repair and maybe a hire car RACWA does anyway. BUT, the repair itself is NOT covered.
If however, the claim goes through insurance, as in this case it should, then towage AND the cost of repair is covered. Bearing (no pun intended lol) in mind there is sure to be associated damage when the wheel came off I think the insurance track is the best track in this case. Assuming of course that he was insured.
brickies said
10:02 PM Mar 30, 2010
Yes there always the facts and the facts which sometimes get in the way of a good story
Typical of Insurers , more points than a porcupine and the biggest aren't always the best
Not totally correct Wombat. As a breakdown like you said - over 100km from home and cannot be repaired within (I think) 24 hours then towage to a place of repair OR to your home, accomodation if you choose the near place of repair and maybe a hire car RACWA does anyway. BUT, the repair itself is NOT covered.
If however, the claim goes through insurance, as in this case it should, then towage AND the cost of repair is covered. Bearing (no pun intended lol) in mind there is sure to be associated damage when the wheel came off I think the insurance track is the best track in this case. Assuming of course that he was insured.