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不管钱能不能要回来我也觉得应该投诉一下。  感叹一下AI真的好用
I am writing to formally raise a complaint regarding the handling of my vehicle insurance claim and, in particular, the deduction and redirection of my vehicle registration refund (Rego Refund) following a total loss settlement.
On 27 March 2025, I was involved in a serious multi-vehicle accident in Box Hill. I was not at fault in the accident. According to multiple eyewitnesses and police at the scene, the at-fault driver was unlicensed, suspected of being under the influence, and fled the scene (hit and run). Due to this, I was unable to obtain the at-fault party’s insurance details, and police could not release them either. As a result, I had no choice but to claim through my own insurance policy with AAMI.
After a difficult and drawn-out claims process, my car was declared a total loss and I accepted the settlement terms. However, when I later contacted VicRoads to request a refund for my recently renewed registration (which began on 28 March 2025 — the day after the accident), I was informed that AAMI had already claimed this refund on my behalf, without my knowledge or consent.
Upon reviewing my settlement letter, I noticed the following clause:
“As we have kept the salvage of your vehicle, we’re entitled to this money as part of the vehicle’s value. In some states, we’re unable to claim this from the DOT directly. If you have had a deduction for Registration and/or CTP insurance from your settlement, you will be issued with a Settlement letter that you can take to your local DOT for reimbursement.”
I have serious concerns about the fairness and transparency of this practice:
I was never informed in advance that AAMI would claim my rego refund or that this would be considered part of the vehicle's salvage value.
The registration refund is a government road usage fee paid in advance, not part of the vehicle's physical value. The vehicle no longer exists, and I have received no benefit from this pre-paid registration.
I have spoken to other insurers (including Allianz), who confirmed that they do not retain rego refunds and instead allow the customer to apply directly to VicRoads for reimbursement.
As a policyholder, I was not presented with a clear breakdown of deductions or options prior to finalising the settlement. This clause was buried in fine print and only discovered after settlement was complete.
Given that I was not at fault in the accident, was forced to rely on my own insurance due to circumstances beyond my control and now find that I am losing my rego refund as well, I feel this treatment is unfair and deeply disappointing.
I respectfully request the following:
AAMI provide a full explanation of the legal and contractual basis under which it claimed my rego refund;
AAMI reimburse the value of the rego refund that was taken without my informed consent; or
Alternatively, provide clear documentation showing that I expressly authorised AAMI to collect this amount on my behalf.
I reserve the right to escalate this issue to the Australian Financial Complaints Authority (AFCA) if a satisfactory response is not received within 10 business days. |
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首都坎培拉日落--＃32楼夜景 (2013-3-19) Wolongshan 
楼主:ddzha2
发表于 2025-8-7 22:20
