On the 21st of last month i had an off. A learner driver pulled changed into my lane and i swerved to avoid them and ended up in the back of another car. (my choice, it was a hit either way but i chose the lesser one) My body ripped off the front fairings plus gauges (tore the metal bracket that holds it all on in half) my balls and willy pushed the tank forward a good 20mm forward. Someone called me an ambo while i was moaning and rolling around on the ground and they came and carted me off to hospital, on the way they squirted some pain killers down my nose and gave me morphine after that nasal spray did shit all. Then in hospital i had X-rays on my knee and hips, pelvis and a ultrasound on my testicles. Everything came up okay, just bruising and soft tissue damage (my frank and beans are totally purple), so i was released after spending 8 hours there with a limp and a prescription for more morphine based pills. A few days after i was walking again (bout 4 or 5) then i sneezed which triggered immense pain in my abdomen that took about 30 mins to subside and after that i couldn't use my abdominal muscles at all without the same pain, so off to my GP she gave me anti inflammatory pills told me i probably tore some muscles and if its still bad in a couple of weeks to come back and get some scans organised. At the moment I'm a week in and still cant use them but that's not whats bothering me its the insurance company. INSURANCE!! The learner who pulled out on me/cut me off dissapeared pretty quick (red older square model magna with dark tinted windows), fortunately (kinda) i had a witness who spoke to the police, she didn't get their rego but did give evidence that i had no fault. So I start the claim process with QBE which seems pretty straight forward, the bike was towed from the scene and QBE organized to take it to Peter Stevens in Ringwood, PS rings me and asks for the gear as well as they can organise a quote for all that too. Great going smooth so far, then PS calls me after i take in the Helmet, Jeans and jacket and tells me that QBE is being a pain and they want a form filled out with info on Where, when, how much plus receipts for all items. I simply don't have all that info any more and don't see why they need it if PS quoted all the gear, i mean, i have no sway with them i cant get them to add on more money. I have the gear it has value Peter Stevens would know what it costs to replace. QBE calls me and lets me know they are not happy and starts asking questions about the gear, if its been washed since the accident, how long have i had it all and where it came from, i didn't like the guys attitude and told him i wasn't sure and i don't keep receipts that long then he told me he has his receipts and knows where he got his helmet from 10 years ago. I just said "i don't know and you have the quote that's all i can do" he says goodbye and hangs up. Then i get another call asking for a 5 year VIC roads driver history, I ask why and I'm told that because its such a powerful bike (K6 GSXR1000) its their policy to get a driver history, I asked why they want it and she told me not to worry about it and I'll have to fax or email it in to them ASAP, again i ask why they want it and if they are trying to find reasons not to process my claim, she said "No no no no nothing like that, nothing to worry about" i explained i wasn't sure about speeding fines and just gave a rough estimate when i applied, I got the Driver History and turns out i told them more then i had, i only have one in 5 years and none since obtaining my bike license. So now i think I'm all sorted, i even get a call from PS telling me the frame on the bike is bent and so are the forks so its written off. Okay good so I'm getting money, i really didn't want a repaired bike anyway just in case its not quite right after repairs and plus resale value goes down. So now I've sent in the Driver history, form for gear with quote plus the gear. Now I call today to find out whats happening and the same prick with the attitude tells me the assessor has yet to give any info to them, i let him know it was assessed and declared a write off so he calls the assessor and then calls me back, letting me know the assessor it collecting the bike tomorrow and then told me QBE would need some more forms and documents from me. They want last REGO paper (which is ok) also they want the reciept of sale when i bought the bike. I said to the guy that it's insured for market value and he said that doesn't matter that they NEED the sale receipt. I mentioned that I have had a bike written off before and never needed to give this much documentation to get my payout, and he just said "well they weren't QBE". I told him i didn't know where it was (which i don't. I've looked everywhere) so he told me i need to create one then, I hope hes just a bad communicator and he just wants a statement from me that i own and purchased the bike with my signature on it, i got a bit of a bargain so i think the current value is higher then what i paid, and they are just trying to give me less cash. So now i'm stressing what to do about it all, i don't want to tell them how much i paid for it and i don't think its applicable anyway, its insured for current market value, why would they need it... IF YOU READ THIS AND ARE THINKING OF GOING WITH OR RENEWING YOU'RE INSURANCE WITH QBE DON'T!!!!!! Peter Stevens told me they have never had so much trouble with insurance companies before dealing with QBE they told me over and over again to go with SWAN, swan was my second choice. My advice if QBE is cheaper get Swan to match it or even if its $50 to $100 more its worth it to avoid all the shit QBE does to make you're life hard. Sorry about the long post, just good to get it all out, if anyone has any helpfull sugestions i'd love to have more ideas or hear other peoples horror stories with insurance. Thanks.