It is a simple matter of money here.
For a modded car you basically have to list every nut and bolt that is not genuine to be on the safe side.
Insurance claims in AU are a funny thing as being right does not always mean you will get your rights.
Few examples:
1. Driver causing the accident has no insurance and refuses to pay - Insurance company might try to recover some costs but if they think they can't they will cut your claim short wherever possible.
2. Driver causing the accident has insurance but files a claim against you, or refuses his insurance to accept the claim - Unless the insurer has watertight evidence they will go with what the client tells them.
You would have to proove your innocence (not to hard being rear-ended) and provide pictures showing the full extend of the damages. Insurer will then either send you to a repairer or accept the quotes you submitted to your insurance comapany.
3. Both driver are insured with the same insurer - With a lot of cheap companies either owned or at least backed up by a big player, like Wesfarmers, you chance are high to be in trouble.
No insurer like to pay for damages, if both companies are part of one the same giant or backed by the same you will have a hard time to make them pay for anything that is not clearly specified in your policy.
I even had the case where only my dashcam saved me from a claim made by the guy that hit me from behind.
I had not much damage, the other car was a write off.
The guy claimed straight away to be unemployed and that he won't be able to pay for any damages as he now has to see for a replacement car first - WTF??
Anyway I sucked it up, straightend my rear corner and replaced a light.
Few weeks later I get letter from an insurance company claiming I caused a damage of over 8000$ to a car - the one that hit me from behind.
The guy not only claimed a massive whiplash but also that I reversed into him and left the scene.
I saved the footage on my PC just in case and was happy I did so.
It showed me standing behind a small hatch, lights turn green but the little one did not move.
Some nice shaking and little jump forward, the crash, right after the little car takes off and I get out of the car to check.
No evidence of me reversing at any time and GPS and accelerometer showed I was stationary.
Submitted all with a statement to the insurance, made sure the statement is signed by a cop.
Within a week I got a letter back saying their client watched the video in their office.
After that he admitted to have though we all already moved as the light were green, hitting me at a flat 60k's...
Insurer also stated that thanks to my support their client now faces a claim of insurance fraud.
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