Wrote off car..new for old replacement. can I upgrade?Have you?

EDManual · 26-03-2011, 11:24 AM

Well, I have written off my car sadly.

Near to no damage you can see, went over a rock and it hit a welded in cross bar between the chassis rails on a Triton ute. I didnt care too much for that dent (about the size of a computer mouse) and wouldnt have minded to keep driving it with it, but seeing as though they want to give me a new car...(I had mine for 10 months)

They say they give a replacement to what you had, but I would like to upgrade it to at least have side airbags (mine didnt have them) and also possibly from 2wd to 4wd.

Anyone had any luck with that? I wouldnt mind paying the difference.

Over the phone they seem to not want to do it, but I think I can tell in their voice if you push you should be able to.

Fev · 26-03-2011, 12:08 PM

So this is insurance you're talking about? They can only say no to you so keep pushing for it I guess.

Mr Hardware · 26-03-2011, 12:16 PM

take the payout and go buy it yourself?

EDManual · 26-03-2011, 12:25 PM

They only pay out market value (which was 28 grand) new its 36 grand so wouldnt take a payout(as new is a much better deal obviously)

macca13 · 26-03-2011, 12:34 PM

See if they will let you pay the difference for the upgrades, worth a shot.

Pedro · 26-03-2011, 12:45 PM

They may point you to a dealer for the replacement. If that's the case, you can probably do an upgrade deal with the dealer.

Yellow_Festiva · 26-03-2011, 04:01 PM

Quote:

Originally Posted by EDManual

They only pay out market value (which was 28 grand) new its 36 grand so wouldnt take a payout(as new is a much better deal obviously)

How can that be? Is the 36k price the beter car you want? If not, how can a car worth 36k be valued at 28 the same yr it was bought?

Werd. · 26-03-2011, 05:47 PM

Quote:

Originally Posted by Yellow_Festiva

How can that be? Is the 36k price the beter car you want? If not, how can a car worth 36k be valued at 28 the same yr it was bought?

Because cars depreciate that much. Insurance policies often replace near new written off cars for a brand new one.

Yellow_Festiva · 26-03-2011, 06:01 PM

Quote:

Originally Posted by Werd.

Because cars depreciate that much. Insurance policies often replace near new written off cars for a brand new one.

Not in 10 months they don't.... The first year of insurance should value the car at its RRP.

Antwon · 26-03-2011, 06:08 PM

I know its completely different but still insurance, i broke my phone and claimed on the house and contents, didnt want the some one so they sent me the one i wanted and i paid the difference. So you should be able to so it somehow.