AAMI Car Insurance Questions & Answers (page 2 of 3)

Only if the insurance you have is full comprehensive... 3rd party will only fix the car you hit

Best look at your policy

The person whose name the car was insured under.

your friend should be paying for all of it, mention they were driving also. The excess will be higher but thats your friends problem in the first place. You shouldn't have to stuff up your rating over your friends incompetent driving skills

If you believe the person to be trust worthy, no. Get a quote on the damage and forward it to the at fault person. If they agree, you're daughter books her car in and the at fault person either can pay you or pay the repairer direct.

Only issue is if she was hit in the back, sometimes the plastic bumpers push back out after an accident, hiding the fact there could be unseen damage to the reinforcement or further.

If your worried about the person paying or of unseen damage, make a claim in case.
Good luck

Of course. What if the other person refuse to pay.

I don't know, I advise you to call AAMI's customer service number and ask them how to do this.

Mostly AAMI has been quite good with claims. My suspicion is that they are no longer AAMI but underwritten by some Trojan mother company. They put cases under review now to avoid admitting liability. they then look ast the accident from every angle. My suggestion is that you make sure your evidence is sorted, and that you definitely are covered in the scope of your policy. Speak to the police, to identify liability. keep questioning the company, and don't let them sit on it. you have a claims officer, so use him/her. find out every bit of info that the company needs, and don't let them do you over.

Under review means your claim is under investigations if everything is ok the usually they release it after a few days

On the AAMI website

You'd be at 100% fault if you didn't "give way", if you with the cheap option of 3rd party only then nothing much will happen and every other is the same. I always advise of comparative comprehensive insurance for sure.

You are at fault. Stationary car must give way when they pull out. I f you are driviing and all the sudden car pull out in front of you and you hit the car, guess who is at fault.? off course whoever pulled out in front of you!! you better go back to get re-test your driving law...

The only time you are not at fault is when you are 100%not based on your version you are partially at fault

Im not sure good luck hope all goes well.

You would need to check all the terms and conditions of the contract you signed with aami. Seems very wrong to me but I'm not sure sorry. Hope all goes well.

THANKYOU, i'll have to get someone to check it out for me not very good at understanding all the lingo I still have until next June for the contract to run out so wont be getting another car anytime soon I don't understand why they paid it out if they still want to take the monthly repayments just should of kept it !!

If you paid by BPay the banks can take up to 4 business days to process your payment. If you have the receipt number and a copy of your bank statement showing the transaction the RTA should accept it. Good luck.

Call AAMI 132244. They are open 24/7. Someone will be able to assist you.

No, your vehicle must be registered.

what if is registered but rego suspended by police for roadworthy but car stolen before got fixed ? rego paid till june, full comprehensive insurance ???

what if is registered but rego suspended by police for roadworthy but car stolen before got fixed ? rego paid till june, full comprehensive insurance ???

Hi there, You should ask, and even if the other car is insured with your partner's name it the most policies will not accept it because the involved party lives in the same household. That's it and in regards the% I wouldn't know, I am just an average uneducated consumer! Good luck if you have a time to even deal with it.

Hey mate,
Unfortunately, AAMI no longer have my confidence at all.
My advice would be to speak with consumer affairs.
I found them very helpful.
Otherwise get some legal advice.
Or that exhausted, lodge something official with Financial Ombudsman service on 1300 78 08 08
Hope that helps.
Kind regards
The Doctor.

If you don't have contents insurance, then you're liable for any damage, not aami. Simple as

Correct AAMI can't cover your own property it only covers your car and damage you are legally liable for- how can you be legally liable for damaging your own house?

Hi - I am not from AAMI. You need to ask them.

You should be able to keep the hire car for the duration of the repair but only if its offered and the car not booked out and avail for hire. Ask them if you can continue using their vehicle until yours is repaired.if you're not at fault I do not see an issue with this. you need transport to get to work. You also didn't ask to he hit. If not your fault.

PS. And why would you do something that radical like dumping your car because they can't fix it in time, even though you're supplied a hire car. In my opinion they're being More than fair & reasonable.

sorry not sure what you are asking? Are you after a list of repairs they cover?

I have just changed to GIO and you can choose who repairs your car. With AAMI you can only use companies that are listed as AAMI repairers.. When I got my car fixed last they referred me to a place in brookvale that I didn't want to go to.. So I found a place over the road from my work that could do repairs with AAMI, I called and asked if I could switch repairers. As I had selected I wanted to use this repairer I had to get 3 quotes from other companies and get an online assessment they then allowed me to use this repairer.. It was a lengthy process.. If who you want to use to fix your car isn't listed as a AAMI repairer.. I don't think they will be able to do the work unfortunately.

It depends on fault.Aami will take minimum 1 month.so if u hurry then find out another repairer.

Answering for all others who may want to know. AAMI does not let you go to other repairers. You may argue with them, but they make the process so hard that in the end you would prefer going with their repairers. I recently had an accident when an uninsured driver rear-ended my car. While AAMI asked me to go to their repairer, I also took second opinion from other workshops. All I heard was, AAMI won't let you come to us even if we give you a better quote in terms of time and money.
AAMI's repairers are usually over-worked and always have big backlog. Once your car is in there, you won't see it for over a month. If you have a disagreement with the repairer, AAMI will wash its hands of it. Their argument is,"We are only paying for the repair; otherwise it is between you and the repairer."
So, what's the upshot? Stay away from AAMI.

This happened to me with AAMI too. Apparently when you buy insurance, even if only paying monthly, you have to pay for the whole year and not just the time you've used.

The premium is the price for a years cover its not a monthly contract read the pds its clear

I suggest you read the PDS for your policy terms. Some policy terms provide for deduction of rego and 3rd party insurance as this is part of the value of car and only you can apply for refund from rego and insurance company. This very issue is a source of confusion and complaints, so again I strongly suggest you read pdf. while I had not had writeoff, AAMI advised that my pollicy terms allow no deduction, but AAMI will collect refund of unused portion from rdgo and 3rd party insurance. Hope this helps

Yes all insurance companies do it. Rego is part of the value of your on road roadworthy car .

I have learnt not yo pay the premium they mail out to you, go onto their website and get a quote using the exact same details on the renewal it will come up cheaper, then phone them to price match it. My original renewal price was 495, online was 429, they reduced it to 429 after I phoned them to complain. When I added my teenage daughter they tried to rip me off, $1100 compared to racq 600.

They did not value me as a customer so I have told them to stick it.

I hate insurance companies!

Yes - many corporates use this sneaky & dishonest bully tactic. Bigest colpurits are: utility providers, banks, telecommunication companies, ISPs & yours truly, AAMI. It does not matter if you catch them out, as you said, they will adjust their quote to retain your business, but be careful - the following year AAMI will significantly devalue your vehicle & significantly increase your premium once again.

No

They only use Original equipment Manufacturers parts however if car outside warranty can use second hand parts