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Warning--IMAGES ARE DISTURBING!

NOT JUST A CAR!

How do you value a car you can't replace? How do you value a car you can't find that is equivalent to an original 58yr old in excellent condition. How do you value a car that will no longer increase in value year after year? How do you value heartache, heartbreak, stress, storage, negligence/rudeness of the truck company, tedious chasing up emails and phone calls to insurances and tears when it's not your fault?
#NOTJUSTACAR!

In the past 8 years I have gone through some lengthy physical health and emotional battles one does not often endure in a lifetime let alone a very short timeframe. Throughout the battles I have been reminded of the one precious and special thing in my life- that I own a beautiful car like no one else.

A second chance at life was given, an opportunity to seek my lifelong dreams. This meant moving interstate and leaving my family, friends, career and home. It meant moving my car!

I entrusted the safe travel of my first car - a 1958 FC HOLDEN SPECIAL in original condition with a Brisbane Car Transport Express company.
Long story short- I paid extra money to have it collected from my home to minimise mileage, road damage and time off work.

4.5 kilometres from my home on the 1200km journey to my new home, the trailer carrying my car rolled due to the companies negligence. My beautiful 'Betsy' was on the back.

I purchased 'Betsy' when I was 16. I am the second owner. She spent her life in the shed (too scared to bring out where drivers with no respect for vintage cars loom car parks and road space). She sat safely in the shed and was only brought out for VERY special occasions and a bath.

Despite the lack of communication about the accident, the whereabouts of the vehicle, being left out in the rain, photos being posted all over social media before I even knew of the accident, the extremely rude demeanour of the manager as I sobbed on the phone, I was responded with- "it's just a car". IT'S JUST A CAR! No idea of the sentimental value and 'security blanket' his company had just destroyed. He spoke as if it were my fault, as if I was an idiot who couldn't work out the driver was clearly fine if he was able to communicate and the truck was still upright and just the trailer tipped.

Five weeks after the accident there is still no result. There is no equivalent vehicle that has been left in its original 'museum quality' condition for sale in Australia! With nothing to compare her to for value she will be written off with minimal $ of compensation which wouldn't replace her if I tried.

Each year the value of an original car increases. Even if the wreck is restored by the world's best restorers- the value would plateau. I work damn hard for my pay each week it's not something I could ever save up for again. Not only have I lost my most specially owned item and security investment but, Australia has lost a piece of its history.
My insurance company can only seek what they find is "close enough". No original FC with original mileage, brakes, interior, hood lining, paint, character and unique vintage smell etc, has been found. How can you value a car you can't replace?
HOW CAN YOU VALUE THIS?

Comments

That sucks. I'll bet Streetneat could sort it out if they shipped it to NZ!

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Ouch is right, Good thing about Shannons insurance is the agreed value, I'm not sure who the owner of the FC is insured through, But due to the way Shannons work I wouldn't go anywhere else, They actually valued my FX and Teardop Van at a higher value than I would have expected, So in this instance I would get the agreed value plus I get to keep the wreck. For something with such emotional attachment its not worth saving a few dollars on insurance, having said all of that my heart aches for the poor bloke, and I hop ehe comes to some agreement with his insurance,

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I hope I'm wrong, but i get the feeling there is a lack of insurance on the side of the car owner. Seems they are relying on the insurance of the carrier to resolve the problem.
Plenty of people trying to name and shame the carrier for the problem, and it appears it may have been a loading problem that caused the accident, but the carrier has at least done the right thing in actually having insurance.
Lets get over the who's at fault part because in the end problems like this can happen and that is why you would look for an insured carrier in the first place.
The problem here, as i see it, is the owner of the car had either under insured the car or has no insurance of his own. The insurance company acting for the carrier will now base the value of the car on market value, which will be around $2500 (this is where you can blame everyone who has ever sold an old car, when was the last time the actual sale value was written on the transfer papers?)
If the vehicle was insured for an agreed value by the owner then that insurance company would pay him that value then sue the freight companies insurer for the agreed value. The owner will now be left to fight that battle if he chooses, which could get expensive. Bottom line is, and the answer to his question is the only way you can insure for emotional value is to insure for agreed value with a specialist insurer.
Lets just hope it was insured by the owner for agreed value.

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"My insurance company can only seek what they find is "close enough"."
I think that line might say it all in regards to his insurance.
He refers to his insurance company replacing the car. This is how the cheap insurers like Coles, Budget, Yiu and all the others that "save" you money work. If your car is a write off they have the right to replace is vehicle of the same model and mileage at their discretion. So, they can go to ebay, Just Cars or whatever and buy any FC they like and he will be bound to accept as a relacement, irrespective of it's condition. They don't give a cash payout on a write-off.
You get what you pay for, and with a classic car the cheap insurers, if they will insure it, aren't worth the risk.
As said above, Shannons are hard to beat.
David

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A friend had a licence disqualification and could only get third party on his HQ coupe. When someone rear ended him and pushed him into the car in front he had a hell of a time getting it sorted. the quote to fix was $15k, the insurance company told him his car was only worth $15K and the wreck was worth $5k so they would give him the difference of $10k. He told them the car was worth $25k, so they then claimed the wreck would be worth $15k, here is $10k piss off.

He eventually found someone who would fix it for $12k cash and now has it back on the road (after 2 years of fighting), full comprehensive insurance for $40k.

Best one though was 30 years ago a young fellow at my work had an RX3 with 13B rotary conversion, went like hell. He got T boned by a taxi. they gave him $4k. He claimed it was worth more than but refused. he went to buy the wreck at auction where it sold for $5k. the insurance company made a grand. Bastards.

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I feel for you.....it's like losing a family member, and while she can be rebuilt, and no matter how skilfully, she will never be the same in your own mind, even if the most meticulous details were attended.

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If your project doesn't work, look for the part you didn't think was important.

One should forgive one's enemies, but not before they are hanged

mckackie

I am a truck driver myself and have had many near misses due to circumstances beyond my control. It is not a good advertisement for the Car Carrier Company. I feel for the owner of the FC sedan. I owned an immaculate one owner FE Sedan in 1976 and was hit almost head on by a HK Siver Mink Monaro, 186s, 4 speed, etc and the rego was AEW 667 and I can remember the 'accident' as if it was yesterday..... My car was rounded off from the left front headlight across to the rear of the drivers side front wheel arch! The monaro spun around and our doors rubbed as I slid off between the power pole and the traffic lights. He drove off making one hell of a racket. I knew it would not get very far. The police eventually found him and he told the police that he left the scene because he was taking his wife to the hospital because she had an asthma attack! No Passenger in that car as I was able to see all seating positions and that it was a 186s with four speed floor change. He was never charged with anything so I approached the Court House at Lidcombe in Sydney and was told that my 'car' was only worth 50 bucks on their books and it would cost me more than I could afford to pursue it!!!!!!!!!!!! And they wonder why some people take the law into their own hands.....

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1948 48 215

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