Hi all, just to keep it short, I parked the streets during a very windy night near some construction sites. came back to my car with front windscreen cracked, and stone chips all over my car, bonnet, one side of car, and boot.
Report from their assessor says:
"There is no dents around these areas to support that impact has
occurred as listed.
It is reasonable to expect that if heavy objects have been blown around
and impacted the vehicle, the vehicle would have signs of dents evident."
Which in my opinion is not true because wind damage doesn't have to have large objects to cause dents.
At first the insurance said I would have to pay multiple excess to cover the range of damages, after a few weeks to try to gather evidence and with no car I gave in and told them I'm willing to pay multiple excess, now them come back and tell me they will only cover 50% of the cost and multiple excess won't do. The initial quote is around $10k, I've been with these guys for 5 years and never made a claim before, its my word vs them and there were no street cameras that caught the incident.
I'm very stressed out by this and they advised I would need to get an independent assessor for a 2nd opinion for the damage, I have searched around but could not find assessment shops out there for car damages, only for pre purchase inspections
Any help would be much appreciated to where I can find assessors for a 2nd opinion.
Scratch that. Edited comment:
I think you're trying to claim for an "Act of God" with your insurer. I assume you have comprehensive insurance.
The problem is, it needs to be one incident for you to pay one lot of excess, and it depends on how your insurance policy is worded whether or not this kind of damage is even covered. As an extreme example, you can't rack up years and years worth of normal wear and tear, and expect your insurance to cover all of it in one go under one excess payment.