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If we have a car accident or our home has been damaged, most of us will reach for the phone as soon as possible but is there a time limit on insurance claims in Australia?

What if you’re unable to make an insurance claim immediately? Will you miss out on a refund or replacement if you don’t lodge it by a certain time?

Having trouble getting the dealership to take your car troubles seriously? Is the manufacturer giving you the runaround?

It’s easy to feel like you’re a voice in the wilderness when you’re being shunted from dealer to manufacturer and back again, each blaming the other – or you – for the vehicle’s faults.

Handle My Complaint CEO Jo Ucukalo says it’s an effective tactic, as most consumers simply give up.