Insurance surveyor rejecting new parts

[yellowshaun]

31 minutes ago, Volvobrick said:

Once I sent into AD for repairs. It claimed a new door from the other party's insurer. One year plus later rust spots started to appear on that door. My regular paint shop told me it was an used door!  

Even AD cannot be trusted, as they likely sub out the job to other workshops....

I presume you just let it go rather than push the AD to make good on it?

[Rickster]

I'm not sure how old is your car. One of my friend's <1 yr old car suffered similar damage on front bumper + scratches to the headlights.. the insurance of the 3rd party paid for his full replacement of the headlight module and bumper.

But honestly speaking, the scratches don't look so bad and after a repair, it will really look brand new. You can't even tell if there is an accident before. 

Edited November 25, 2020 by Rickster

[RogerNg_185295]

8 minutes ago, yellowshaun said:

I presume you just let it go rather than push the AD to make good on it?

Depends on AD n his negotiation skills 

[RogerNg_185295]

6 minutes ago, Rickster said:

I'm not sure how old is your car. One of my friend's <1 yr old car suffered similar damage on front bumper + scratches to the headlights.. the insurance of the 3rd party paid for his full replacement of the headlight module and bumper.

But honestly speaking, the scratches don't look so bad and after a repair, it will really look brand new. You can't even tell if there is an accident before. 

It's the internal parts that's the issue.  Exterior they can do swee swee for you. 

[Mkl22]

1 hour ago, RogerNg_185295 said:

It's the internal parts that's the issue.  Exterior they can do swee swee for you. 

what internal parts? all i see is a small dent on the fender and scratches on the bumper and at most some clips on the bumper. the bumper is still held pretty well so i would think the catches are still ok. heck a simple PDR(since the dent looks really shallow and thus no need putty on the fender) and spraying of the fender and bumper and it is done.

[Kangadrool]

Car makers should resume making cars with real bumpers, to be bumped. 😂

In Europe, car bumpers are meant to be bumped in busy street parking. Drivers use their bumpers to knock other car's bumper to shift parked cars. 

Edited November 25, 2020 by Kangadrool

[Beregond]

1 hour ago, Mkl22 said:

what internal parts? all i see is a small dent on the fender and scratches on the bumper and at most some clips on the bumper. the bumper is still held pretty well so i would think the catches are still ok. heck a simple PDR(since the dent looks really shallow and thus no need putty on the fender) and spraying of the fender and bumper and it is done.

the bumper is held on by clip, a small knock by any car will break those clips, and the gap between the bumper and other parts will not be even or slightly bigger.

scatch or damage bumber like the 1 from ts they will cover with pasta or cream  then spray back.  over time crack might appear at the slightest touch or knock.

the issue is if your car is new and perfect. and the accident that happen is totally 0 fault from u . 

why would u compromise and accept a repair patch and spray job that make your car less perfect?? if u get what  i mean. its easy to say here u are sui bian . but when  u buy a new car that got less then 20k mileage 1 year + and ppl hit u , and u are at totally 0 fault, and they tell u bring to a spray work shop fix for 400 buks. 

(in most cases the victim side wont agree ) would u ??? i dun know lol.

anw once go insurance claim, there wont be patch and spray back, confirm plus chop is replace ( for those sure win or 80% win cases) the issue is replace with new parts? replace how many parts and the cost only.

 

Edited November 25, 2020 by Beregond

[RogerNg_185295]

1 hour ago, Mkl22 said:

what internal parts? all i see is a small dent on the fender and scratches on the bumper and at most some clips on the bumper. the bumper is still held pretty well so i would think the catches are still ok. heck a simple PDR(since the dent looks really shallow and thus no need putty on the fender) and spraying of the fender and bumper and it is done.

Are you a trained car specialists?

[ToyotaShuttle]

8 minutes ago, Beregond said:

the bumper is held on by clip, a small knock by any car will break those clips, and the gap between the bumper and other parts will not be even or slightly bigger.

scatch or damage bumber like the 1 from ts they will cover with pasta or cream  then spray back.  over time crack might appear at the slightest touch or knock.

the issue is if your car is new and perfect. and the accident that happen is totally 0 fault from u . 

why would u compromise and accept a repair patch and spray job that make your car less perfect?? if u get what  i mean. its easy to say here u are sui bian . but when  u buy a new car that got less then 20k mileage 1 year + and ppl hit u , and u are at totally 0 fault, and they tell u bring to a spray work shop fix for 400 buks. 

(in most cases the victim side wont agree ) would u ??? i dun know lol.

anw once go insurance claim, there wont be patch and spray back, confirm plus chop is replace ( for those sure win or 80% win cases) the issue is replace with new parts? replace how many parts and the cost only.

 

Counter you back with 1 question.

If every slight knock means you need to change everything then how much do you think you will be paying for insurance?

[Yewheng]

5 hours ago, Beregond said:

under lta there is 1 law new car within 2 years or 3 years ( i forgot) can only use new parts, no hammering back)

but no matter, if u claiming other side, its normal for your side to claim new parts for even the slightest damage. 

and its perfectly normal for other side to reject .. both insurance / lawyer will nego and come to agreement, if not go court settle.

Then need to get rid of this regulation. 

[Tohto]

3 hours ago, Volvobrick said:

Once I sent into AD for repairs. It claimed a new door from the other party's insurer. One year plus later rust spots started to appear on that door. My regular paint shop told me it was an used door!  

Even AD cannot be trusted, as they likely sub out the job to other workshops.... 

 

黑吃黑 😅  The blacker one wins....

Owner always a loser..

Edited November 25, 2020 by Tohto

[Beregond]

22 minutes ago, ToyotaShuttle said:

Counter you back with 1 question.

If every slight knock means you need to change everything then how much do you think you will be paying for insurance?

exactly u are spot on.

so dun buang ppl. avoid accident even if it mean lose face. 😂

i haven count in the lost of use, for example if u are a victim driving a 5 series, the replacement car need to be something equal ( its the law, u can totally reject a vios as a replacement car. u count in down time 2 week, renting a 5 series.

not to mention all the trips and photo taking taking by the surveyor .roughly 6 trip or more by both side.  and all the letter and email by both side lawyer. still got wat , i dun know 😁

[inlinesix]

28 minutes ago, Yewheng said:

Then need to get rid of this regulation. 

I don’t think there is such regulation

It could be just industry norm

[Mkl22]

3 hours ago, Beregond said:

the bumper is held on by clip, a small knock by any car will break those clips, and the gap between the bumper and other parts will not be even or slightly bigger.

scatch or damage bumber like the 1 from ts they will cover with pasta or cream  then spray back.  over time crack might appear at the slightest touch or knock.

the issue is if your car is new and perfect. and the accident that happen is totally 0 fault from u . 

why would u compromise and accept a repair patch and spray job that make your car less perfect?? if u get what  i mean. its easy to say here u are sui bian . but when  u buy a new car that got less then 20k mileage 1 year + and ppl hit u , and u are at totally 0 fault, and they tell u bring to a spray work shop fix for 400 buks. 

(in most cases the victim side wont agree ) would u ??? i dun know lol.

anw once go insurance claim, there wont be patch and spray back, confirm plus chop is replace ( for those sure win or 80% win cases) the issue is replace with new parts? replace how many parts and the cost only.

 

well.... fight as you may... lf they continue to say no. then? claim own insurance ah? bring to small claims?

have you claimed 3rd party before?

[Mkl22]

3 hours ago, RogerNg_185295 said:

Are you a trained car specialists?

of course!!🤣

Edited November 25, 2020 by Mkl22

[Beregond]

4 minutes ago, Mkl22 said:

well.... fight as you may... lf they continue to say no. then? claim own insurance ah? bring to small claims?

have you claimed 3rd party before?

sure , just not long ago.  claim amount almost  30k damage. in the end settle for less then 1/2  in actual fact, i very frank and say  if i do ownself 1.5k  still got extra, the reason settle for so low is cos my car coe car. 

this is outside of inj claim. i never mention this .

in fact i am the victim car, if i really anal. i can go lay in hospital refuse to come out complain of blurness in vision, back pain, neck cannot turn, phobia of driving, my career effect babababa if u understand me.😂

never buang any 1, die die never buang any 1 who make use of driving for a living , or living on the road,  i dun need mention which type..😁

[Mkl22]

9 minutes ago, Beregond said:

sure , just not long ago.  claim amount almost  30k damage. in the end settle for less then 1/2  in actual fact, i very frank and say  if i do ownself 1.5k  still got extra, the reason settle for so low is cos my car coe car. 

this is outside of inj claim. i never mention this .

in fact i am the victim car, if i really anal. i can go lay in hospital refuse to come out complain of blurness in vision, back pain, neck cannot turn, phobia of driving, my career effect babababa if u understand me.😂

never buang any 1, die die never buang any 1 who make use of driving for a living , or living on the road,  i dun need mention which type..😁

then good for you.

 

I was buang by a car and both cars insured by NTUC income... in the end.. how to fight...LLST.

was a minor rear bumper damage and boot misalignment.

this was almost 20years ago. have sworn off NTUC ever since.

Edited November 25, 2020 by Mkl22

[Beregond]

5 minutes ago, Mkl22 said:

then good for you.

 

I was buang by a car and both cars insured by NTUC income... in the end.. how to fight...LLST.

was a minor rear bumper damage and boot misalignment.

this was almost 20years ago. have sworn off NTUC ever since.

U have to engage  3rd party ws claim for u.

So it wont become same insurance  vs same insurance