Clarifying Coverage

Closeup traffic cone front of tow truck

There was an auto collision and the issue in dispute was reimbursement for the total cost of the tow expenses and rental expenses

Correcting a Misrepresentation

Consumer’s son borrowed the family vehicle and was involved in an accident. The consumer put in a claim, which was denied due to misrepresentation. Consumer contacted GIO for assistance after receiving a final position letter from his insurer maintaining the decision to deny his claim.

Rental and Storage Coverage

Airbag exploded at a car accident. Car Crash

The consumer had full coverage on their vehicle, until the insurance company realised that the consumer had repaired damages to their vehicle themselves from a previous accident.

Wildlife Strife

The consumer was in a car accident that involved wildlife. Their insurance company denied their claim as their coverage did not include accidents involving wildlife.


The consumer was involved in an accident in a roundabout and the insurance company assessed that the consumer was at fault. The consumer escalated the case, as they believed the insurance company had misinterpreted the rules of the roundabout.

Paying the Full Amount for Car Repairs

A consumer had a not-at-fault accident and their vehicle was declared reparable. The consumer used a non-preferred body shop, and a labour charge rate was applied in accordance with the shop’s fees.

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