rob_miller
Active Member
- Joined
- Apr 15, 2010
- Messages
- 187
- Car
- 2012 BMW 530d M Sport
Right so I was driving along a dual carriageway today with a grass verge in the middle, approaching two council workers who are strimming the grass. I thought to myself I hope that a stone does not fly and hit my car.
Right enough just as I am passing them a stone was flicked up and has chipped/cracked my windscreen right in the line of vision.
I immediately pulled over and approached one of the workers who refused to give me his name or any contact info to report the damage. I was told to talk to the other worker who came over to inspect the damage, he took some pictures and called his office who took my email address and assured me that I would be sent a claims form right away.
As expected I have received no claim form and after speaking to them again I have been told that they are contractors and that this will need to be dealt with by their insurance company. I explained to the person in the council office that it is not possible for me to wait for the insurance company as I need it sorted as soon as possible and have advised me that I can proceed with the repair and claim back the costs. However I have no proof that they caused the damage even though the workers admitted it.
I have spoken to my insurance company LV this evening and apparently they will only pay for a replacement windscreen if I use their windscreen repairer Autoglass. This means that if I want my own insurance company to cover the cost of replacement I cannot use the dealer as they will not pay.
Looking at the damage it is over 10mm and falls in category A on the image below so I guess that means a new windscreen? The damage is 14mm.
I currently have the following options:
1. Use Autoglass who might use a pattern part.
2. Get it done at the dealer for £800 and claim this back from the contractors under their public liability insurance.
What is everyones past experience like with Autoglass? Will they mess up the auto wipers etc?
View attachment 35568
Right enough just as I am passing them a stone was flicked up and has chipped/cracked my windscreen right in the line of vision.
I immediately pulled over and approached one of the workers who refused to give me his name or any contact info to report the damage. I was told to talk to the other worker who came over to inspect the damage, he took some pictures and called his office who took my email address and assured me that I would be sent a claims form right away.
As expected I have received no claim form and after speaking to them again I have been told that they are contractors and that this will need to be dealt with by their insurance company. I explained to the person in the council office that it is not possible for me to wait for the insurance company as I need it sorted as soon as possible and have advised me that I can proceed with the repair and claim back the costs. However I have no proof that they caused the damage even though the workers admitted it.
I have spoken to my insurance company LV this evening and apparently they will only pay for a replacement windscreen if I use their windscreen repairer Autoglass. This means that if I want my own insurance company to cover the cost of replacement I cannot use the dealer as they will not pay.
Looking at the damage it is over 10mm and falls in category A on the image below so I guess that means a new windscreen? The damage is 14mm.
I currently have the following options:
1. Use Autoglass who might use a pattern part.
2. Get it done at the dealer for £800 and claim this back from the contractors under their public liability insurance.
What is everyones past experience like with Autoglass? Will they mess up the auto wipers etc?
View attachment 35568
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