Question about insurance coverage
Discussion
I was driving my wife's car and had a car park accident (the car is a BMW i3) and occasionally these cars "surge" under some circumstances and actually speed up when you least expect them to. I hit the car park wall and busted a headlight. I have fully comp insurance on my own vehicle (but am not a named driver on my wife's car). Can I still put in an insurance claim with my OWN insurance company, or do I need to pay for the damages out of my own pocket?
urbandriver said:
I was driving my wife's car and had a car park accident (the car is a BMW i3) and occasionally these cars "surge" under some circumstances and actually speed up when you least expect them to. I hit the car park wall and busted a headlight. I have fully comp insurance on my own vehicle (but am not a named driver on my wife's car). Can I still put in an insurance claim with my OWN insurance company, or do I need to pay for the damages out of my own pocket?
You should check to see if you have DOC on your policy, if not could have been an expensive lesson if you hit another vehicle/personWhile double checking whether your DOC is fully comp or only third party, triple check that your DOC extension actually provides the cover you think it does. Most DOC extensions specifically exclude cars owned by spouses, immediate family and members of the same household. My wife and I are named drivers on each other's policies, both have DOC, and both exclude cars owned by members of the same household. You might find that you can drive your next door neighbour's car with a fully comp DOC policy extension in place, but you aren't legally insured to drive your wife's car.
Edited by QuickQuack on Friday 5th August 23:49
TwigtheWonderkid said:
urbandriver said:
I have fully comp insurance on my own vehicle (but am not a named driver on my wife's car).
Why not? Unless you're a young driver and she isn't, or you have a terrible record. 280E said:
dibbers006 said:
urbandriver said:
... occasionally these cars "surge" under some circumstances and actually speed up when you least expect them to.
Wat?!
my BMW i3 forums said:
This is regenerative braking backing off when the DSC/Traction control is triggered (i.e. Bumpy or slippery surface). This is normal and it is to prevent the regenerative braking locking the rear wheels and causing loss of control (basically a handbrake turn). It can also be predicted by looking at the road surface and considering how much regeneration you're demanding.
It gives the impression of a 'surge', but it's really just the braking effect from regeneration being removed. The brain interprets this as 'accelerating' in a way.
It gives the impression of a 'surge', but it's really just the braking effect from regeneration being removed. The brain interprets this as 'accelerating' in a way.
QuickQuack said:
280E said:
dibbers006 said:
urbandriver said:
... occasionally these cars "surge" under some circumstances and actually speed up when you least expect them to.
Wat?!my BMW i3 forums said:
This is regenerative braking backing off when the DSC/Traction control is triggered (i.e. Bumpy or slippery surface). This is normal and it is to prevent the regenerative braking locking the rear wheels and causing loss of control (basically a handbrake turn). It can also be predicted by looking at the road surface and considering how much regeneration you're demanding.
It gives the impression of a 'surge', but it's really just the braking effect from regeneration being removed. The brain interprets this as 'accelerating' in a way.
It gives the impression of a 'surge', but it's really just the braking effect from regeneration being removed. The brain interprets this as 'accelerating' in a way.
QuickQuack said:
triple check that your DOC extension actually provides the cover you think it does. Most DOC extensions specifically exclude cars owned by spouses, immediate family and members of the same household.
That was going to be my comment. Whenever these DOC threads pop up, the response is always the same in that the only thing that matters is what your actual policy / cover states.
And my experience is that the specific exclusion above is what mine have usually said.
The lesson is that you should never assume that you are covered and should refuse to drive someone else’s car until you have established the level of cover.
Oceanrower said:
Sorry. I thought it was a headlight. Your regen is broken too? That’ll be expensive…
No, regen is fine as I drove it home. Just the car's computers getting muddled up and disengaging regen braking at a crucial moment. There are quite a few accounts of this on t'interweb.Forums | Speed, Plod & the Law | Top of Page | What's New | My Stuff