Flying Golf Balls and Insurance

[gbjeppm]

Just got off the phone to my Dad, and having stopped laughing, need some advice.

He was driving past a golf club this afternoon in the 203 Estate and suddenly a golf ball thudded into the middle of the bonnet and left a nice ding. Oops.

Anyway he went into the clubhouse, spoke to the lady on reception, who said, no problem get it fixed and send us the bill.

So question, does that feel OK, I am sure a paintless dent removal process could remove it for not a lot of money, or should he tell his insurance company and get them to sort it, and claim off the Golf Clubs insurance.

Does anybody have any experience of this or any thought?

Thanks

 

[Mudster]

The golf club will have public liability insurance designed to cover this very issue, it's part and parcel of the membership fee.

Shouldn't be any issue whatsoever.

 

[gbjeppm]

Thanks Mudster, I was hopeful that was the case. The other thing that concens me though is whether he should involve his insurance company and all of their processes or just pay get it done and send them the bill.

 

[IanA2]

what Mudster said....

 

[ibrar]

Whilst playing in a cricket match, I once hit a 6 out of the ground. Unfortunately for me.....it hit a car on the drivers door and luckily for the driver it missed her drivers side window. I attempted to pay the money privately, well tried to but the woman gave me her wrong details!

 

[gbjeppm]

So dent removal service or MB body shop?

Through the insurance or not?

Sorry to push, but if he should be going the insurance route he should be informing them today.

 

[ibrar]

Don't go to MB, you can find better companies that do a better job for cheaper. MB will charge £100+ per labour hour! Do it privately

 

[ibrar]

Unless its coming out of the golf clubs insurance?? or if they are paying for it.....still dont go2 the stealership

 

[tikw2124]

Just got off the phone to my Dad, and having stopped laughing, need some advice.

He was driving past a golf club this afternoon in the 203 Estate and suddenly a golf ball thudded into the middle of the bonnet and left a nice ding. Oops.

Anyway he went into the clubhouse, spoke to the lady on reception, who said, no problem get it fixed and send us the bill.

So question, does that feel OK, I am sure a paintless dent removal process could remove it for not a lot of money, or should he tell his insurance company and get them to sort it, and claim off the Golf Clubs insurance.

Does anybody have any experience of this or any thought?

Thanks

Hi, insurance is only for members, but if he/she is on 'pay and play' no insurance cover.

 

[W210 Fan]

Personally I dont see the need to involve the vehicles insurance company, why do they need to know, you wont be claiming through the insurance company and if you do, your car could be well be a CAT D afterwards and will de-value because of it

 

[Parrotman]

There was something similar on the radio recently. The fact that accident damaged had been repaired without involving the insurance company and that the insurance company had'nt been advised anyway left the policy null and void.

This fact only came to light as a result of another matter.

There is a ' sentence ' that sums it all up but can't think of it off hand.

 

[bigalcam]

This exact thing happened to me a few years ago. The clubhouse said the same, and when I turned up with the bill (after ensuring the treasurer or somebody was there) they simply wrote me a cheque there and then.

 

[Individual one]

Please DON'T tell your insurance company, someone run in to my wife car and she told the insurance company. The driver's company paid for the damage, But my wife insurance went up 50% (why i hear you ask) because we informed them and she could be high risk

Now moved to another company.

Golf Ball damage, i would ask the golf club for a letter head saying that they will pay for the repair, done by the golf ball.

 

[Howard]

Personally I dont see the need to involve the vehicles insurance company, why do they need to know, you wont be claiming through the insurance company and if you do, your car could be well be a CAT D afterwards and will de-value because of it

A W203 becoming a CAT D write off because of a dent in the bonnet ?

It was a golf ball that hit it , not a satellite .....

 

[television]

A W203 becoming a CAT D write off because of a dent in the bonnet ?

It was a golf ball that hit it , not a satellite .....

Think big it does not cost any more

 

[W210 Fan]

CAT D is an economical repair, a satellite would probably be a C or a B

 

[glojo]

I would definitely take the vehicle to a Mercedes-Benz approved body-shop for this repair. The reason for this is that to keep within the Mobilo scheme all repairs must be done by these folks.

I would also avoid telling the insurance company and I would also suggest that when answering the question have you been involved in an accident over the last 12 months then the answer is an honest NO.

Regards
John

 

[Flash]

Don't involve insurance company and just get a decent body shop or dent repairer to carry out the work BUT take pics of the damage and details of the lady and a senior manager who advised to send them the bill etc.

 

[Flash]

CAT D is an economical repair, a satellite would probably be a C or a B

If you wanted to be "awkward" and make it a costly repair then you could claim a whole new bonnet, have it re-sprayed/labour charges etc. and the front wings blown in to match the paint

 

[gbjeppm]

If you wanted to be "awkward" and make it a costly repair then you could claim a whole new bonnet, have it re-sprayed/labour charges etc. and the front wings blown in to match the paint

As its not a 210 with rust issues, this is not necessary

Anyway quick update, my father, who is cantankerous , decided against my advice, that he would talk to his insurance company.

Anyway I think we have got to the right place. They have said thanks for calling, he should go ahead and sort out direct, and if all Ok no issue.

If he has issues though getting satisfaction from the Golf Club, then he can go back to the insurance company who will follow up for him.

Seems a reasonable place to be.