Claiming on Insurance

[trekster]

Hey guys, So over the weekend I noticed all this on my car.


Couldn't for the life of me figure out where it had came from, thought it had come off my roof bar, or parked under a tree until a friend of mine saw it and said it "looked like grinding dust"

Then I got a phone call on sunday arvo from another work colleague who 2months ago purchased a 2009 patrol, hes got shit all over his paint too! Not to the extent of mine because his got that bronze type colour paint, but you can definitely feel stuff on his paint too.

a couple of weeks ago another guy put in an insurance claim to get his wifes commodore repsrayed because they though their neighbour had sprayed the car with grinding dust while working outside, seems his car has copped it from work too.


So the problem has been caused by the business next door who is a sandblaster. He has a massive unit that could accomodate a truck into it, and at the rear of t has 2 large exhaust vents that are close proximity to our car park.

approx. 6 years ago the same company had to detail every car in our car park due to some sort of similiar overspray.....


One of the guys who is an ex-panelbeater reckons some is buffable but believes that some will need paint, My excess for insurance is $625. Firstly we are going to get our boss to speak to them, but if he isn't willing to get this fixed I'm going to have to get insurance to sort it out.

Does anyone know if I need to pay anything else besides my excess? Pisses me off that I will have to pay it upfront seeing as though this isn't my fault and all.


Whats everyone's thoughts? I'm really annoyed as even though my GU is an old 98 model, I wan't it to last me and when I bought it last November I had the whole thing detailed and besides a few stone chips on the front lip of the bonnet it was in pretty good shape considering....


3 out of the 4 4wd's that usually park in a row 120prado, 105cruiser, GU8 and my GU had varying amounts, mine being the worst to see, the prado has a few spots but nothing like mine.....

Cheers,
Eric.

[happygu]

Trekster,

If you want it fixed and oyu don't know anybody, ask a Used Car Dealer near you who has decent cars, and ask them who they use for Spray Painting and Body Repairs. They will only use someone they trust....

If it is only the roof, then it will be much less than your excess.

Mic

[04OFF]

Yours will have come off looking worse because your paint has no clear coat, plus it is old , and white so shows every mark, looks like metal fragments that have fallen on the paint surface then rusted.

Personally id be talking to the buisness next door first, explain the situation, and even hit them up for repairing the damage, then if/when they argue, tell them they at least need to pay your insurance excess so you can get it fixed yourself.

If it was me, id "try" and get a complete respray out of em , as the new paint will not match the old for long, as you already know, you buff your paint, it looks nice and shiney for 3 weeks, then looks flat again, and is hard to wash etc, if you get it painted all over,you can get them to clearcoat the car, and it will last and look better for longer.

[NissanGQ4.2]

Mate, If yours is not the only car that has been affected from the business next door to your work, then you have a case against them, you should not pay an excess your insurance company should be chasing them!

[trekster]

Yeah its not just the roof that has it over it, I'd be preferring a new respray to just a bodgey repair as I just got this car and I want it to last me a long time.... Will be asking my boss today to go and talk to them, If not, I will go myself with the others and see what they say. If I end up getting a respray I will look to invest in a car cover.


Cheers,
Eric.

[Maxhead]

Yeah its not just the roof that has it over it, I'd be preferring a new respray to just a bodgey repair as I just got this car and I want it to last me a long time.... Will be asking my boss today to go and talk to them, If not, I will go myself with the others and see what they say. If I end up getting a respray I will look to invest in a car cover.


Cheers,
Eric.

As others said, he needs to pay for it. If you claim on your insurance you might loose the no claim bonus.
He should also put measures in place this does not happen again.

Go and talk to him and negotiate what you think is the best outcome, if he doesn't play the game then involve some authority......or a greenie;). Lol






.........on the move

[Maxhead]

As others said, he needs to pay for it. If you claim on your insurance you might loose the no claim bonus.
He should also put measures in place this does not happen again. Not up to you to buy a cover.

Go and talk to him and negotiate what you think is the best outcome, if he doesn't play the game then involve some authority......or a greenie;). Lol






.........on the move








.........on the move

[BigRAWesty]

Well his system needs re working if this is the exhaust side of things..
Before seeing him and he tells you to stick it, I'd be making it a bit more of a solid case.
Visit the other business in the immediate vicinity and see if they have issues (my guess would be yes), take photos and rough location of damage to the work shop. Take a few pictures of it bad days and note the direction of the waste.

If he tells you to jam it you have a solid back up and proof incase the issue promptly disappears overnight..


Kallen Westbrook
Owner of
Westy's Accessories (http://www.nissanpatrol.com.au/forums/showthread.php?15134-Westy-s-Accessories.-A-small-back-yard-builder.)

[NP99]

Get your insurance co to chase it, thats what you pay them for.

On a similar issue, when people bust open bags of cement, the dust will fly around and settle on cars..........they too will cause damage. When Ive seen it happen, I wash my car down the car wash.....

[trekster]

UPDATE: Car is going to the Panel beaters on friday for quotes on repairs. Fingers crossed they both say respray, and if they don't I will be telling them that's what I want!


Cheers,
Eric.

[Bloodyaussie]

Threaten them with the EPA.... they have more powers than the police and can impose very heavy fines and penalties.....

There is no way you should be out of pocket.... of course before getting out the big guns try the nice guy approach and see where you end up..

[happygu]

Fingers crossed and let's hope for a good result for oyu.

Mic

[trekster]

Hey BA, My work approached the sandblasters but they weren't interested to even come and look at the cars, Now they are going to have NRMA, AAMI and Allianz all chasing them for money. Sucks to be them.

I had to pay excess up front because they didn't accept liability, even though we know it was them who did it, Its up to the insurers to get the money out of them then give me back my excess. They should get the letter of demand soon :)

[happygu]

Fingers crossed and let's hope for a good result for you.:icon_victory:

Mic

[BigRAWesty]

Do others in the area have damage. If they all claim at once it'll sure make him change his ways..

Kallen Westbrook
Owner of
Westy's Accessories (http://www.nissanpatrol.com.au/forums/showthread.php?15134-Westy-s-Accessories.-A-small-back-yard-builder.)

[trekster]

Do others in the area have damage. If they all claim at once it'll sure make him change his ways..

Hey Kallen,

Yeah 3 claims at the moment on him, 1 guy is getting a full respray on his commodore, other fella '09 Patrol needs it fully cut back to start with, Then mine and the bloke with the commodore has his frontera needing looking at too...



Cheers.

[BigRAWesty]

Hey Kallen,

Yeah 3 claims at the moment on him, 1 guy is getting a full respray on his commodore, other fella '09 Patrol needs it fully cut back to start with, Then mine and the bloke with the commodore has his frontera needing looking at too...



Cheers.

Good to hear. I mean a man has to make a living, but when he's clearly cutting corners with his waste its over the line in the sand...

Kallen Westbrook
Owner of
Westy's Accessories (http://www.nissanpatrol.com.au/forums/showthread.php?15134-Westy-s-Accessories.-A-small-back-yard-builder.)

[trekster]

Thanks fella, Lets see what they say one Friday, If it needs painting, I want the whole thing done otherwise it won't match up... It might be a 15 year old car, but its MY car and this wasn't my fault so why should I have to suffer out of it hey.....

[trekster]

So the verdict seems to be in, and it looks like it will be a full respray.

Now, Anyone here in the panel beating industry? When I was at the 1st place on friday, He goes I can fix all your dints and other rust spots up for an extra $1000????? I have a couple of small stone chips on the bonnet, and the factory spot welds are starting to get surface rust on them, whats he planning on doing? Painting straight over the top of them? I'm a little worried and there is no way I am paying any extra money....

[04OFF]

So the verdict seems to be in, and it looks like it will be a full respray.

Now, Anyone here in the panel beating industry? When I was at the 1st place on friday, He goes I can fix all your dints and other rust spots up for an extra $1000????? I have a couple of small stone chips on the bonnet, and the factory spot welds are starting to get surface rust on them, whats he planning on doing? Painting straight over the top of them? I'm a little worried and there is no way I am paying any extra money....


Thats kinda good news then i guess ?

So whats happening , are they giving you a dollar amount and you choose a panel shop, or are they giving you options on shops they deal with, or you just getting quotes to give em ?


Depends on whos paying, and how much they are paying, as to what you can and will get done paint wise, insurance wont pay for pre existing damage dents or rust etc, and so a panel shop wont fix stuff they are not getting paid to fix, but........... to be honest mate, from what you have described, it sounds like basic normal prep work you would do for "any" respray anyway, and should be part of the job.

[benny79]

If your car is in your "work car park", then it's your works insurance that pays up if the sandblaster doesn't.


2000 GU td42t

[BigRAWesty]

If your car is in your "work car park", then it's your works insurance that pays up if the sandblaster doesn't.


2000 GU td42t

Its the blaster next door. Obviously he has poor emissions controls in place and is damaging property off site..

Kallen Westbrook
Owner of
Westy's Accessories (http://www.nissanpatrol.com.au/forums/showthread.php?15134-Westy-s-Accessories.-A-small-back-yard-builder.)

[SonOf]

In NSW I believe that the ACT is the Protection of the Environment Operations Act 1997 No 156 Section 5.4 for emissions. If there are a number of other parties all trying to claim against this guy and their insurer has taken action against him, then you should not have to pay the excess.
Also if he has had to pay previously there is precedent that he has admitted fault for this prior.

Might be worthwhile contacting the EPA to see if they could conduct a particulate study on his stacks, would be useful in your claim if he is found wanting? - Good Luck with it

[the ferret]

Mate, get up and have a look in the gutters of your workshop, take some pics too.
This would give a good idea of the fallout from next door..
Your paintwork looks as tho someone has been angle grinding near your car, but exhaust fans from factories can carry metal fragments as well.
Cheers, the ferret.

[trekster]

So I heard from the insurer today, They have selected the repairer for my car, I think he said they quoted $3200 or $3600 to do the job, But he wanted to check with them first and make sure it was all getting done etc, then it would be good to go.

As for the excess, because this is a 3rd party claim it is different to if someone had hit my car while parked as an example, and they need to prove him as the person causing the damage. Once they do that I get my excess back.


Cheers,
Eric.

[trekster]

And now they are asking him to buff the sides 1st *insert facepalm pic*

Least they are definitely painting the roof and bonnet, so that's a start


Sent from my iPhone using Motorculture mobile app

[trekster]

So I got the car back yesterday :D

Ended up painting the roof and painting the underside of the rail which was good as the factory spotwelds had surface rust, painted the bonnet and scoop now there are no more stone chips ;) and here's the killer for me painted both the front guards, This was awesome as I had a big gouge out of the paint and it was all discouloured on the passenger side, so now she's all nice and white and has hardly a mark on her :D

[04OFF]

If it was me, id "try" and get a complete respray out of em , as the new paint will not match the old for long, as you already know, you buff your paint, it looks nice and shiney for 3 weeks, then looks flat again, and is hard to wash etc, if you get it painted all over,you can get them to clearcoat the car, and it will last and look better for longer.


Bummer, it looks like you have this problem straight away, maybe tell the insurance your not happy, because your doors are a completely different shade of white to the front gaurd and the rear quarter ? :(