Insurance claim

TaylorA · 11-30-2011, 09:29 PM

As some will know my 335 arrived having been damaged in transit. The vendor arranged the (insured) transportation as part of the deal but says its up to me to claim against Toll. Would you agree or disagree ?

Stuart@BMRAutowerkes · 11-30-2011, 09:34 PM

You could always try... i.e. get as many details as possible regarding the transportation, including insurance policy number if it exits, then call up Toll and see what they say.

Haydrick · 11-30-2011, 11:02 PM

I would have thought the insurance company would only deal with the holder of the insurance... if this is the vendor, they may need to make the call. Then you just need to take it to a repairer for quote/assessment etc. But this could be different for transport insurance.

luster · 11-30-2011, 11:13 PM

If they are telling you it is true, I would assume it is true?

If thats what they want, do it. I wouldn't make a big fuss every step of the way. Don't sweat the small stuff. (ie; making some phone calls). If they are wrong as to whom the claimant needs to be, you will find out soon enough

pcockley · 11-30-2011, 11:16 PM

Let ask, did you insure the car fr the date of purchase, or prior to it being transported!! If so just cla through your insurance and that will sort it out

Haydrick · 11-30-2011, 11:21 PM

I don't think comprehensive insurance covers the car when its being transported there is no driver... It's a transport insurance claim.. then theres the question of excess

pcockley · 12-01-2011, 01:08 AM

I could be wrong but I don't think it matters. Think about it if you parked the car in the street and someone hits you then you would
Still be covered, so I see no difference if it is on the back of a truck etc.... As for excess, well you know who is at fault so that should not be an issue.

TaylorA · 12-02-2011, 07:30 PM

Toll have advised the damage was evident when they collected the car, and yesterday were supposed to send through some form of proof, not arrived as yet.

BTW did I mention the car has another unique feature - 3 runflats and 1 non-runflat?

pcockley · 12-02-2011, 09:42 PM

Quote:

Originally Posted by TaylorA

Toll have advised the damage was evident when they collected the car, and yesterday were supposed to send through some form of proof, not arrived as yet.

BTW did I mention the car has another unique feature - 3 runflats and 1 non-runflat?

Sounds like you have a problem with the dealer there with the damage? Wtf is going on with those tyres??? I'd be getting that fixed ASAP

Chris.G · 12-02-2011, 09:46 PM

If the dealer causes trouble let me know so i can send some guys to do a few drive bys. Just a simple phone call uleh.

Haydrick · 12-04-2011, 11:37 PM

Errrr.. Is it a BMW dealer selling it with a single non RFT tyre? BTW the RFTs are $500 - 850 each.. generally cost much more than the tubeless.

I don't think its safe to just have 1 non RFT tyre. Traction, stopping resistance and dynamics will be out of whack esp if its in the front.

EDIT: not sure if this is true.. but I think per BMW policy their cars are 'designed' for RFT, no jacks etc.. so a bit lazy of them not to spec the car 'properly'. Although they handle much better when all 4s are non-RFT

RaihaX · 12-04-2011, 11:54 PM

Quote:

Originally Posted by Haydrick

Errrr.. Is it a BMW dealer selling it with a single non RFT tyre? BTW the RFTs are $500 - 850 each.. generally cost much more than the tubeless.

I don't think its safe to just have 1 non RFT tyre. Traction, stopping resistance and dynamics will be out of whack esp if its in the front.

EDIT: not sure if this is true.. but I think per BMW policy their cars are 'designed' for RFT, no jacks etc.. so a bit lazy of them not to spec the car 'properly'. Although they handle much better when all 4s are non-RFT

This would be the last resort but if you need to buy replacement types don't get them locally it would cheaper via tirerack

TaylorA · 12-22-2011, 05:39 AM

Just an Xmas update folks, ho ho ho
the vendor says they never contacted Toll about the damage, and Toll are just saying that the car was delivered on 23rd Nov and they first heard about the issue on the 2nd December - thereby implying that the damage was done after the delivery

Surely if the vendor undertook to ship the car to me fully insured as part of the deal, and I advised them on the day of delivery that the vehicle arrived damaged, then I did all I needed to, and the fact the vendor never bothered to advise Toll is their problem and not mine?

Edit - btw I insured the car fully comp from date of purchase.

suff · 12-22-2011, 08:27 AM

speaking from my own experience having cars shipped, generally if you don't identify the damage with the courier BEFORE you sign for receipt of the car you haven't got a hope in hell of successfully claiming damage in transit.

Presuming that you have taken delivery of your car this would not be a good sign for you (but hey, this is just my experience, so you may have no issues at all)

pcockley · 12-22-2011, 04:12 PM

mmmm sounds like a world of pain to me

Haydrick · 12-22-2011, 04:43 PM

What was the damage if I may ask?

wassell2381 · 12-22-2011, 06:45 PM

What a Crock of Shit!!! Who's the selling Dealership? I'd be happy to go round there and smash some heads. If you told the dealer that there was an issue, on the day, its not your fault that the claim wasn't lodged for 10days. Take the matter to consumer affairs

TaylorA · 12-22-2011, 07:13 PM

Quote:

Originally Posted by Haydrick

What was the damage if I may ask?

The damage was noted on the delivery note by a series of crosses. If there hadn't been any crosses then I wouldn't have signed!

pcockley · 12-22-2011, 07:15 PM

mmmm I wonder if a lip would cover that? You didn't happen to find any small children in there did you?

thats a whole lot of fucked up imo. did you ever call your insurance and ask them?

TaylorA · 12-22-2011, 07:43 PM

Quote:

Originally Posted by pcockley

did you ever call your insurance and ask them?

No mate, not yet

Haydrick · 12-22-2011, 09:06 PM

Ouch!!! Damn I hate seeing injured beamers!

That's at min $3k of parts!! You'll need the front bar replaced as well as the under engine tray. The tray alone is $900.

Hate to say this... But it doesn't look like the damage was done over a single event. Something about the nature of the scratches..

TaylorA · 12-25-2011, 03:05 AM

Presuming the vendor - henceforth known as Prestige Auto Sales - won't claim against Toll , then I guess the next step is to get 2 or 3 quotes, see what my insurer thinks about it all, and get a lawyer.
BTW after nearly a month, Prestige has delivered a tyre to my home address. So I guess I arrange the fitting myself then?

11-30-2011, 09:29 PM	#1
TaylorA Private First Class 17 Rep 151 Posts Drives: 09 E90 335 Join Date: Jul 2009 Location: W Australia iTrader: (0)	Insurance claim As some will know my 335 arrived having been damaged in transit. The vendor arranged the (insured) transportation as part of the deal but says its up to me to claim against Toll. Would you agree or disagree ? __________________ /Users/scl/Desktop/Screen Shot 2015-12-27 at 1.13.48 PM.png
	Appreciate 0 Tweet Quote

11-30-2011, 09:34 PM	#2
Stuart@BMRAutowerkes Major General 808 Rep 5,530 Posts Drives: a black car Join Date: Sep 2010 Location: Sydney iTrader: (3)	You could always try... i.e. get as many details as possible regarding the transportation, including insurance policy number if it exits, then call up Toll and see what they say.
	Appreciate 0 Quote

11-30-2011, 11:02 PM	#3
Haydrick Private First Class 2 Rep 128 Posts Drives: 335i LCI Coupe Join Date: Sep 2011 Location: Sydney iTrader: (0)	I would have thought the insurance company would only deal with the holder of the insurance... if this is the vendor, they may need to make the call. Then you just need to take it to a repairer for quote/assessment etc. But this could be different for transport insurance.
	Appreciate 0 Quote

11-30-2011, 11:13 PM	#4
luster Major 57 Rep 1,092 Posts Drives: e90, e88 Join Date: Oct 2011 Location: Sydney AU, NJ US, TST HK iTrader: (21)	If they are telling you it is true, I would assume it is true? If thats what they want, do it. I wouldn't make a big fuss every step of the way. Don't sweat the small stuff. (ie; making some phone calls). If they are wrong as to whom the claimant needs to be, you will find out soon enough
	Appreciate 0 Quote

11-30-2011, 11:16 PM	#5
pcockley Banned 43 Rep 1,719 Posts Drives: 335 Join Date: Apr 2011 Location: sydney iTrader: (1)	Let ask, did you insure the car fr the date of purchase, or prior to it being transported!! If so just cla through your insurance and that will sort it out
	Appreciate 0 Quote

11-30-2011, 11:21 PM	#6
Haydrick Private First Class 2 Rep 128 Posts Drives: 335i LCI Coupe Join Date: Sep 2011 Location: Sydney iTrader: (0)	I don't think comprehensive insurance covers the car when its being transported there is no driver... It's a transport insurance claim.. then theres the question of excess
	Appreciate 0 Quote

12-01-2011, 01:08 AM	#7
pcockley Banned 43 Rep 1,719 Posts Drives: 335 Join Date: Apr 2011 Location: sydney iTrader: (1)	I could be wrong but I don't think it matters. Think about it if you parked the car in the street and someone hits you then you would Still be covered, so I see no difference if it is on the back of a truck etc.... As for excess, well you know who is at fault so that should not be an issue.
	Appreciate 0 Quote

12-02-2011, 07:30 PM	#8
TaylorA Private First Class 17 Rep 151 Posts Drives: 09 E90 335 Join Date: Jul 2009 Location: W Australia iTrader: (0)	Toll have advised the damage was evident when they collected the car, and yesterday were supposed to send through some form of proof, not arrived as yet. BTW did I mention the car has another unique feature - 3 runflats and 1 non-runflat?
	Appreciate 0 Quote

12-02-2011, 09:46 PM	#10
Chris.G Banned 105 Rep 3,120 Posts Drives: 2011 LCI MSPORT X5 30d Join Date: Aug 2006 Location: Sydney, Australia iTrader: (0)	If the dealer causes trouble let me know so i can send some guys to do a few drive bys. Just a simple phone call uleh.
	Appreciate 0 Quote

12-04-2011, 11:37 PM	#11
Haydrick Private First Class 2 Rep 128 Posts Drives: 335i LCI Coupe Join Date: Sep 2011 Location: Sydney iTrader: (0)	Errrr.. Is it a BMW dealer selling it with a single non RFT tyre? BTW the RFTs are $500 - 850 each.. generally cost much more than the tubeless. I don't think its safe to just have 1 non RFT tyre. Traction, stopping resistance and dynamics will be out of whack esp if its in the front. EDIT: not sure if this is true.. but I think per BMW policy their cars are 'designed' for RFT, no jacks etc.. so a bit lazy of them not to spec the car 'properly'. Although they handle much better when all 4s are non-RFT
	Appreciate 0 Quote

12-22-2011, 05:39 AM	#13
TaylorA Private First Class 17 Rep 151 Posts Drives: 09 E90 335 Join Date: Jul 2009 Location: W Australia iTrader: (0)	Just an Xmas update folks, ho ho ho the vendor says they never contacted Toll about the damage, and Toll are just saying that the car was delivered on 23rd Nov and they first heard about the issue on the 2nd December - thereby implying that the damage was done after the delivery Surely if the vendor undertook to ship the car to me fully insured as part of the deal, and I advised them on the day of delivery that the vehicle arrived damaged, then I did all I needed to, and the fact the vendor never bothered to advise Toll is their problem and not mine? Edit - btw I insured the car fully comp from date of purchase. Last edited by TaylorA; 12-22-2011 at 05:45 AM..
	Appreciate 0 Quote

12-22-2011, 08:27 AM	#14
suff On the hunt for PSI 41 Rep 778 Posts Drives: E90 M3 Join Date: Oct 2009 Location: Perth, WA iTrader: (0)	speaking from my own experience having cars shipped, generally if you don't identify the damage with the courier BEFORE you sign for receipt of the car you haven't got a hope in hell of successfully claiming damage in transit. Presuming that you have taken delivery of your car this would not be a good sign for you (but hey, this is just my experience, so you may have no issues at all) __________________ 2016 Alfa Romeo Guilia Quadrifoglio - Metallic White
	Appreciate 0 Quote

12-22-2011, 04:12 PM	#15
pcockley Banned 43 Rep 1,719 Posts Drives: 335 Join Date: Apr 2011 Location: sydney iTrader: (1)	mmmm sounds like a world of pain to me
	Appreciate 0 Quote

12-22-2011, 04:43 PM	#16
Haydrick Private First Class 2 Rep 128 Posts Drives: 335i LCI Coupe Join Date: Sep 2011 Location: Sydney iTrader: (0)	What was the damage if I may ask?
	Appreciate 0 Quote

12-22-2011, 06:45 PM	#17
wassell2381 Second Lieutenant 24 Rep 254 Posts Drives: X5 Xdrive 3.0D Join Date: May 2011 Location: Perth, WA iTrader: (0) Garage List 2009 320d E90 LCI [0.00] 2009 320d [10.00]	What a Crock of Shit!!! Who's the selling Dealership? I'd be happy to go round there and smash some heads. If you told the dealer that there was an issue, on the day, its not your fault that the claim wasn't lodged for 10days. Take the matter to consumer affairs __________________ Current: White E70 LCI X5 Previous: White LCI 320d Space Grey LCI 320d
	Appreciate 0 Quote

12-22-2011, 07:15 PM	#19
pcockley Banned 43 Rep 1,719 Posts Drives: 335 Join Date: Apr 2011 Location: sydney iTrader: (1)	mmmm I wonder if a lip would cover that? You didn't happen to find any small children in there did you? thats a whole lot of fucked up imo. did you ever call your insurance and ask them?
	Appreciate 0 Quote

12-22-2011, 09:06 PM	#21
Haydrick Private First Class 2 Rep 128 Posts Drives: 335i LCI Coupe Join Date: Sep 2011 Location: Sydney iTrader: (0)	Ouch!!! Damn I hate seeing injured beamers! That's at min $3k of parts!! You'll need the front bar replaced as well as the under engine tray. The tray alone is $900. Hate to say this... But it doesn't look like the damage was done over a single event. Something about the nature of the scratches.. Last edited by Haydrick; 12-22-2011 at 09:14 PM..
	Appreciate 0 Quote

12-25-2011, 03:05 AM	#22
TaylorA Private First Class 17 Rep 151 Posts Drives: 09 E90 335 Join Date: Jul 2009 Location: W Australia iTrader: (0)	Presuming the vendor - henceforth known as Prestige Auto Sales - won't claim against Toll , then I guess the next step is to get 2 or 3 quotes, see what my insurer thinks about it all, and get a lawyer. BTW after nearly a month, Prestige has delivered a tyre to my home address. So I guess I arrange the fitting myself then?
	Appreciate 0 Quote