Insurance claim (silly driving)
Discussion
Devil2575 said:
Liquid Tuna said:
Devil2575 said:
wildoliver said:
Just to point out the obvious, if the car doesn't go to BMW but the Parts fitted are genuine parts and are fitted correctly how will they know?
Because BMW dealers are all on a computer system that records everytime you visit a main agent for a service/warranty work.Snowboy said:
exronin said:
No choice on BMW/no-BMW, due to BMW Insured Warranty unfortunately 
This is where it might get tricky.AFAIK insurance companies use their own assessors and mechanics.
You don't get to choose.
But, so long as the garage is vat registered and competent BMW can't void your warranty.
It's something to do with block exemption / monopoly laws.
If you are planning to claim you should call the insurer asap.
Depends on the policy.
TwigtheWonderkid said:
SHutchinson said:
Would this even be an allowable claim under your insurance policy?
Why on Earth wouldn't it be?I suppose it probably is covered.
SHutchinson said:
Not sure why I immediately thought of that query. I guess I just didn't consider that people would claim for this sort of thing. Previously when I've outdriven my talent and the conditions of the road which has lead to me damaging my car in this way I've just paid to have it repaired myself.
I suppose it probably is covered.
Of course it's covered. WTF do you think Fully Comp insurance is for, if not this exact scenario?I suppose it probably is covered.
LoonR1 said:
SHutchinson said:
Not sure why I immediately thought of that query. I guess I just didn't consider that people would claim for this sort of thing. Previously when I've outdriven my talent and the conditions of the road which has lead to me damaging my car in this way I've just paid to have it repaired myself.
I suppose it probably is covered.
Of course it's covered. WTF do you think Fully Comp insurance is for, if not this exact scenario?I suppose it probably is covered.
SHutchinson said:
As I say, on F'ing reconsidering the situation I can F'ing see that it's reasonable to assume it would be covered. The reason that I instantly queried it was because the times I've driven like an idiot and bent my own suspension components I've just paid to have them replaced myself.
Probable, reasonable, assume. All words that suggest you're still unsure. It is 100%, set I stone, guaranteed that this will be covered by FC insurance. No ifs, buts or maybes. Snowboy said:
The only reason I thought it might not be covered was because there seemed to be a hint of mechanical failure in the op rather than all crash damage.
Another myth.Accidents caused by mechanical failure are covered. The replacement of the part that failed won't be covered(that's wear and tear), but the rest of the damage will be, providing you have comp cover.
Snowboy said:
The only reason I thought it might not be covered was because there seemed to be a hint of mechanical failure in the op rather than all crash damage.
I don't see the mechanical failure. OP admits he under steered it as he's a crap driver, even more impressive on a RWD car. The part was due for replacement soon, no suggestion it failed. LoonR1 said:
Probable, reasonable, assume. All words that suggest you're still unsure. It is 100%, set I stone, guaranteed that this will be covered by FC insurance. No ifs, buts or maybes.
Every day's a school day 
LoonR1 said:
Of course it's covered. WTF do you think Fully Comp insurance is for, if not this exact scenario?
You insurance lot certainly don't mince your words! 
LoonR1 said:
Probable, reasonable, assume. All words that suggest you're still unsure. It is 100%, set I stone, guaranteed that this will be covered by FC insurance. No ifs, buts or maybes.
Hmmm...you're not even going to allow for the possibility that he might have been using the car other than in accordance with his cover?NPI said:
LoonR1 said:
Probable, reasonable, assume. All words that suggest you're still unsure. It is 100%, set I stone, guaranteed that this will be covered by FC insurance. No ifs, buts or maybes.
Hmmm...you're not even going to allow for the possibility that he might have been using the car other than in accordance with his cover?So there is no possibility that he was driving not in accordance with his policy cover. It's a complete red herring.
NPI said:
LoonR1 said:
Probable, reasonable, assume. All words that suggest you're still unsure. It is 100%, set I stone, guaranteed that this will be covered by FC insurance. No ifs, buts or maybes.
Hmmm...you're not even going to allow for the possibility that he might have been using the car other than in accordance with his cover?LoonR1 said:
With the info given, I'm not going to consider it. Maybe he was commuting when he only has SD&P, or using it for business when he doesn't have that cover. all of which is completely irrelevant. He might be a900 year old alien from Zog without a licence and alcohol for blood, but I'm not going to consider that either.
How very bold of you.
I've been around a lot on Forums, but even for me it is a first to be accused of being a 900 year old alien from Zog with Alcohol as blood and misusing insurance on Earth 
Top job, love it 
Couple of facts:
a) I'm FC covered for SDPCB, which should be sufficient to cover me for driving from home to the train station to catch a train that will get me to the office!
b) There is no mechanical failure involved, as otherwise I wouldn't have been able to drive home. The only issue here is whether the insurance will pay for replacing the identified part or not (do Insurance repairers have access to manufacturer service files?)
c) In defence of my driving, it was a T-junction and I tried to make the turn on a wet road. I was a bit too fast for the conditions and that road (I have made this turn at higher speeds in the dry without issue) and hence understeered straight into the kerb.
I have notified the insurers, who will be picking up the car tomorrow on a flat bed. Insurance company swear that BMW can't invalidate my warranty. I read up on the appointed repair shop, who are BMW-approved and have had other companies come in and do Audits (Audi, Jag, etc.). The insurance and Repair guys both confirmed they would be using BMW parts, so hopefully that should pre-empt any problems.
My vehicle check is due in 3,000 miles too, so that would throw up any issues with the repair job I hope.
Since BMW told me (over the phone, not in person - I never went to BMW physically, due to stark warnings here and by other mechanically knowledgeable people) that the steering rack has to be replaced for these types of impcats, can I refuse accepting the car back unless that has been done?
Top job, love it Couple of facts:
a) I'm FC covered for SDPCB, which should be sufficient to cover me for driving from home to the train station to catch a train that will get me to the office!
b) There is no mechanical failure involved, as otherwise I wouldn't have been able to drive home. The only issue here is whether the insurance will pay for replacing the identified part or not (do Insurance repairers have access to manufacturer service files?)
c) In defence of my driving, it was a T-junction and I tried to make the turn on a wet road. I was a bit too fast for the conditions and that road (I have made this turn at higher speeds in the dry without issue) and hence understeered straight into the kerb.
I have notified the insurers, who will be picking up the car tomorrow on a flat bed. Insurance company swear that BMW can't invalidate my warranty. I read up on the appointed repair shop, who are BMW-approved and have had other companies come in and do Audits (Audi, Jag, etc.). The insurance and Repair guys both confirmed they would be using BMW parts, so hopefully that should pre-empt any problems.
My vehicle check is due in 3,000 miles too, so that would throw up any issues with the repair job I hope.
Since BMW told me (over the phone, not in person - I never went to BMW physically, due to stark warnings here and by other mechanically knowledgeable people) that the steering rack has to be replaced for these types of impcats, can I refuse accepting the car back unless that has been done?
exronin said:
Since BMW told me (over the phone, not in person - I never went to BMW physically, due to stark warnings here and by other mechanically knowledgeable people) that the steering rack has to be replaced for these types of impcats, can I refuse accepting the car back unless that has been done?
Probably not. But, if the dealer is telling the truth, I would expect an approved repairer to replace the rack if it has to be done as a matter of course. Plus the repair will be under warranty so if the rack isn't replaced and the car is not 100% or future issues arise then I'd expect you to have some comeback.Hi there,
Just spoken to the insurance company and they said the garage would call me tomorrow.
Apparently, the insurer's garage found that there was very little damage. They reckon a wheel refurbishment is needed, and the tracking needs to be re-aligned and that nothing else is wrong.
That sounds wrong to me - I know how the car felt and I refuse to believe that the steering wheel can be offset from the centre by 30 degrees through a simple alignment fault - also, it's not normal for a car to pull to the left naturally when it was absolutely fine before.
What comeback do I have with the insurance company and their garage? Can I insist on the car being taken to BMW for a second opinion? If BMW find it needs more work, can I insist on the company picking up the bill?
Their small print says I need to cover the difference between what their repairers would have charged versus what my own repairer charges but does that extend to a disagreement in what the required repair work needs to be?
Just spoken to the insurance company and they said the garage would call me tomorrow.
Apparently, the insurer's garage found that there was very little damage. They reckon a wheel refurbishment is needed, and the tracking needs to be re-aligned and that nothing else is wrong.
That sounds wrong to me - I know how the car felt and I refuse to believe that the steering wheel can be offset from the centre by 30 degrees through a simple alignment fault - also, it's not normal for a car to pull to the left naturally when it was absolutely fine before.
What comeback do I have with the insurance company and their garage? Can I insist on the car being taken to BMW for a second opinion? If BMW find it needs more work, can I insist on the company picking up the bill?
Their small print says I need to cover the difference between what their repairers would have charged versus what my own repairer charges but does that extend to a disagreement in what the required repair work needs to be?
Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff