Result! My Indy crunched my car at service!

[Gucci]

So, after my seemingly pricey Indy service (thanks for the feedback on the anti-freeze post) I returned to pick up the vehicle. They were very apologetic and took me straight out to the car. Their car cleaner had reversed my ML into an E class!

Damage: E class bumper caved in - ML 2 scratches. Anyway, they said of course they'll repair and respray for me - WHY the happy face? That rear bumper had plenty of scratches on it already Perhaps that will compensate for the London prices then?

 

[television]

At least it was not a waste of time then answering the antifreeze post

We do not get many pleased when this happens

 

[A210AMG]

Good news I guess


Did they knock any off the service also

 

[Gucci]

No money off the service, but courtesy car is added too plus I shall be angling at another minor ding too on the other side of the car

 

[grober]

Just hope that the damage to the E class is repaired "in house" and does not involve an insurance claim. If it is the subject of such a claim you will be obliged by the terms of your policy to declare the collision/incident to your own insurance company as " a material fact" even if you make no claim. This may or may not effect your next insurance renewal quote.

 

[KLP 92]

Just hope that the damage to the E class is repaired "in house" and does not involve an insurance claim. If it is the subject of such a claim you will be obliged by the terms of your policy to declare the collision/incident to your own insurance company as " a material fact" even if you make no claim. This may or may not effect your next insurance renewal quote.

But wouldn't the claim be made through the garage's trade insurance, hence no reason to inform your insurance? As he wasn't driving the vehicle himself, and the vehicle wasn't in his possesion then surely the garage will be the only ones that need to inform their own insurance?

 

[Shude]

But wouldn't the claim be made through the garage's trade insurance, hence no reason to inform your insurance? As he wasn't driving the vehicle himself, and the vehicle wasn't in his possesion then surely the garage will be the only ones that need to inform their own insurance?

That's exactly what I was thinking. I'd not mention it, he has neither made a claim nor had reason to make a claim. That's the usual wording isn't it?

It would be like declaring claims for previous owners of your car!

 

[grober]

But wouldn't the claim be made through the garage's trade insurance, hence no reason to inform your insurance? As he wasn't driving the vehicle himself, and the vehicle wasn't in his possesion then surely the garage will be the only ones that need to inform their own insurance?

I agree if it is done through the garages own insurance and that Gucci can be sure the info wont somehow end up at the Motor Insurers Bureau. I would imagine the garage's insurance company will require fully documented details of the vehicles involved such as their make registration numbers etc before settling any claim. I confess I don't know how garage liability insurance is set up and what division of the insurance companies is involved in this area so I can't predict how likely that would be.

 

[davidjpowell]

Normal question is Have you had an accident or claim in last x years or soemthing similar.

Can not see how that translates into my garage crashed the car and fixed it. Although - it does depend I suppose if it is done through your garages insurnace then it may appear that you have claimed as a third party. Take advice from insurance broker I would suggest not man on interent on this one!

David

 

[jadefox]

Surely it is always people and not cars that are insured though?

You could otherwise say that that if someone claimed against their car insurance and then sold it it would be recorded against the car still fot the new owner?

I can understand from the point of view of a car being sold on that this stuff should be recorded (though only in the case of write-offs etc), but surely not for insurance purposes??

 

[grober]

Getting advice from a broker is a good plan. Its very unlikely-but not impossible that such an incident would be held against Gucci under the circumstances. However this does not change the following which I posted a couple of months back --- In the meantime you will probably find this specifically stated on your policy documents in the small print somewhere It will be something like this
Duty of Disclosure
You are reminded of your duty to disclose material facts before you take out your policy, at each renewal and whenever they change. Failure to disclose material facts is a criminal offence and can result in your policy not protecting you in the event of a claim and the insurance company (after having paid all claims made against you) coming after you to recover all the money they have paid out. Examples of material facts for motor insurance are: unspent convictions, disabilities, modified vehicles, failure to declare accurately where the vehicle is kept, young or poor additional drivers, high mileage, unusual use. This list is not exhaustive if you are in doubt whether a fact is material it should be disclosed..

This is the site for the Motor Insurance Bureau.
http://www.miic.org.uk/index.html

 

[glojo]

What hasn't been mentioned and might ber extremely important is the repair.

If we want to keep our cars within the Mobilo scheme then ALL bodywork repairs must be carried out by an approved agent.

Are these repairs being carried out by an approved agent?

Does it matter?

Answer
Only if we subsequently try to make a claim and Mercedes-Benz measure the thickness of the paint.

I wonder if the E-class owner will even be told about this incident.

Well done though

regards
John

 

[crockers]

My understanding is that you have to report to your insurer if you have had an accident whether you claim or not ..this will NOT affect your renewal premium but does paint a picture of your driving record so if a few mount up an explanation may be required.

In this case - the OP hasn't been in an accident - his car was lent to someone else and they had the accident on their insurance so he is not party to this claim and therefore no need to inform his insurers.

I daresay the garage's excess is pretty massive and for your bumper they will pay for it themselves.

Its like when my car was keyed - I paid for it myself so didn't inform my insurer.

 

[Rory]

In this case - the OP hasn't been in an accident - his car was lent to someone else and they had the accident on their insurance so he is not party to this claim and therefore no need to inform his insurers.

I daresay the garage's excess is pretty massive and for your bumper they will pay for it themselves.

I agree with all the above, except that the usual word is something like "incident" rather than "claim".

Its like when my car was keyed - I paid for it myself so didn't inform my insurer.

I would say that's wrong. It could clearly be a material fact as your car has suffered being keyed therefore arguably demonstates that the insurance company is at a greater risk than might be considered normal as it could get keyed again, perhaps because of where you live, or where you park the car.

 

[crockers]

Perhaps you're right - but according to my broker there was no need to inform the insurers...I did inform the police. It was 12 miles from where I live and not in a place i visit regularly.

Does everyone report every ding in a "tesco carpark".??

 

[Shude]

Its like when my car was keyed - I paid for it myself so didn't inform my insurer.

I had a car stolen and didn't claim on the insurance, it was simply cheaper to have the car recovered and repaired at my own expense!

Makes a total mockery of having the insurance against theft in the first place. Had I known it would have been cheaper at the time I would have insured it 3rd party only.

 

[Gucci]

Thanks for the replies - I hadn't considered the insurance aspect. The garage will repair both cars regardless. The E class owner will know - he was due to pick the car up same day. They're very hot on paintwork and bodywork (have used them before on the Z3 on a tricky edge - perfect job).

As for insurance, well I had a mark repaired without claiming - it falls under cosmetic as far as I am concerned. The garage has immediatley put their hand up and will sort - the E-class was quite old - doubt Mobilo is in play with that one...it's at an Indy too!

Sometimes keeping things simple without paperwork is best - some spud in an office considering me a risk? Forget it!

 

[DITTRICH]

My bumper needs a respray - how much should I pay the car cleaner?
Les