Car insurance and scratches
I'm looking at insurance for a used car I'm hopefully picking up next week. It's a 2013 Camry - generally good bodywork but on the driver's door it has paint missing exposing the chrome underneath from the very edge of the side which swings out - looks like someone got something caught in the car door or it got opened up on to a wall or something.
This is really very minor but when I fill in some car insurance quotes (suncorp for example) it refuses to give a price at all.
Some insurers in their PDS say you must fix all paint issues etc but others don't mention it at all.
Is this really a reason they wouldn't pay out on an unrelated claim - even if it really is just a cosmetic issue it seems ridiculous.
Posted Aug 26, 2023, 3:32 AM UTC
12
You may have to go into a bricks and mortar insurance company as online quotes can be hit and miss. Mine asked if there was anything more than $700 worth of damage on my vehicle. Probably borderline but I answered no. Have gotten most of it rectified. I worked in the automotive repair industry so was able to get it done relatively cheaply. If you're involved in an accident and that door is damaged they will ask if it was part of the accident or pre-existing damage. They already know the answer so be truthful. If you really want this car buy it and get any number of the mobile paint touch up people to do a repair.
Yeah it's really minor, I think most people would even bother sorting it but I like to be thorough...