My vehicle hit a scaffolding foot on the road in mid April. I do not have the details of any other driver to claim against.
So my main questions are:
GMac
- I have claimed it on my insurance and the insurance company have accepted the claim.
- My car sustained significant damage the undercarriage and snapped the K-Frame.
- The estimated cost of repair is around $7,000.00
- My vehicle is comprehensively insured for $19,000.00
- My vehicle is a 2009.5/10 model
- The parts have been on backorder from Germany since April. Covid-19 delays have been mentioned.
- The insurer has indicated that they will only use new genuine parts.
- No second hand parts are available.
- The date of return has been pushed back repeatedly and I have now been waiting 4 months.
- A request for a replacement/courtesy vehicle was made and was rejected.
- The repairer has advised me that the date has been subsequently pushed back again until mid September.
- I have contacted the insurance company and they have advised that there is nothing that they can do about the delay.
- The insurance company have offered to waive the insurance excess, however I have not accepted this offer as the amount of money that I have had to continue to pay for registration, TAC premium and insurance premium (without the luxury of the use of the car) is now greater than the cost of the excess alone.
- I have been asked by the insurance company to supply documentation of these amounts to the complaints department to find a resolution.
- The insurance company have been pretty good, however I still have don't my car, they refused to provide a courtesy car and I've had to buy a new vehicle to get around in.
So my main questions are:
- How long is considered a reasonable time to wait for a vehicle repair?
- How long is considered a reasonable time to wait for parts?
- Is there a law, act or regulation that stipulates that if repairs can not be carried out within a specific timeframe, then the vehicle must either be paid out or declared a total loss/write-off?
- Is there anything else that can be done?
GMac