Unfortunately I had to make a claim under my insurance policy as I was involved in an accident recently, which resulted in my maxi scooter being written off. I was rammed by a car in a roundabout by an old lady who was exiting from the inside lane and “ did not see me”. Police happened to come by within seconds, but as soon as it became apparent that no ambulance was needed they lost all interest and refused to be involved in determining who the guilty party was. I lodged a claim with AAMI and was immediately asked to pay my $ 400 excess. When I asked them how they determine who is the guilty party, they explained that: we have your story and will get the “ other insurer’s version” and will then determine the guilt factor. How can this process ever possibly result in a “no fault claim”, which will give me my excess and claim free status back? All policies forbid the insured to make an admission of guilt regardless of what happened. The old lady who rammed me was quite clear in stating at the time of the accident, that she simply did not see me. Obviously this is not going to be in her insurance company’s report and a “no guilty version” will emerge as a result of her insurer’s interference. For the insured it is a no win situation but the outcome for both insurers is that they will get to collect their excess payment and will benefit from the change in the no claim status of their customers. It surely does not help that nearly all insurers are owned by two gigantic companies in Australia and therefore don’t have any interest to harm each other.