Discovery Insure and My Poor F30

[Kaboose]

Hi Everyone,

I am the proud owner of a 2013 F30 320D.

I was in an accident recently where i Hit the curb exiting a parking lot. I contacted the insurance and would you believe it, they denied the claim.

So I would like your opinion and even some expert advice if it is available.

Here are some of the Facts.

• The maximum distance I could have traveled is 50 meters (Marker in Red).
• Starting Location (Marked in Gold).
• Travel Direction (Marked in Green).
• Incident Location (Marked in Blue).

What is the maximum speed I could have reached and would the Run-flat tyres (Back Goodyear, Front Continental) detach/climb off of the rims at that speed.

Please also see the pics of the scene the following morning and the tyres and rims themselves.

The claim was denied due to the following:

5.25 Prevention of loss

"You must take all reasonable precautions for the maintenance and safety of the insured property. This means that you must take reasonable steps to prevent and/or minimize loss, damage, death, injury, liability and accidents. You may carry out emergency repairs to prevent further damage with our consent."

Thank you for reading, hopefully I can get some solid advice to help me sort my baby out.

---

HI Guys,

Sorry I did not mention that everyone at any BMW dealership, even the ARC say the Tyre will not come off the rim, even if it is deflated.

Also there is this.

http://www.bmw.com/com/en/insights/technology/technology_guide/articles/run_flat_tyres.html

What do you think?

 

[peanut125i]

Discovery uses ctrack for telemetry tracking so if the telemetry software recons you were driving recklessly or too fast they may not pay out. I don't know of this is what has happened in your case as I don't understand their 5.25 clause. You can also log onto ctrack and download that particular trip and you will see exactly how fast you were going so that should answer the first part. Regarding the tyres I'm sure one of the more clued up fanatics can give you an opinion.

 

[aksamg]

There is also a thread on the forum with a user (very kindly) offering free legal advice - it may be worth your while to pm him/her for prompt legal advice instead of our opinions.

For future ref. - i am insured with Santam through a broker and I have never not had a claim paid out, even when they could have proven that i was reckless (slid into a side barrier going around a bend). It does hurt your premiums though!

Good luck brother!

 

[Fuzz123]

What damage are you claiming for? What happened, did you swerve?

 

[zippy320]

show us the damage to your car.

 

[Kaboose]

Thank you guys so far.

I went around the corner "To fast".

This is according to surveillance footage acquired from a business in the corner of the first image.

According to Cartrack/Discovery DQ Track i was going "EXACTLY" 35-65 km/h while cornering harshly.

Here is the very detailed report pictures...... :thumbdo:

So I am not so sure that the policy written for and a tracking device developed for any car can be used for any car...

What about front or rear wheel drive? What about harder suspension? What about low profile, offroad or run on flat tyres?

My biggest issue is that they fit the same device and use the same policy for a Chevy Spark (My rental car ), a Ford Ranger, and my BMW 320D SportsPack.

Anyway, hopefully this sheds some more light on the subject.

Thx Giys and Gals

 

[Ricky318i]

You never said what the damage was to the vehicle.

Sent from my GT-I9505 using Tapatalk

 

[Kaboose]

Hi,

I did not swerve, none of the warning lights even came on, no stability control nothing! And the worst part was I hit the curb with the front wheels first.

My understanding is that if you accelerate to hard with a read wheel drive car that the backend comes out... id did not. I lost grip and hit the curb.

Only damage is to the rear and the mags. full quote for repairs adds up to about R50k.

 

[Kish2604]

I am waiting for more information to surface on this thread to make my own comment however the only advice I can offer is that you read your policy documents carefully and see how much time you have to make representation to the insurer, failing which you may then proceed to the ombudsman for short term insurance.

Sent from my SM-G935F using Tapatalk

 

[Kaboose]

Hi,

It is 90 days to reply to the insurer.

The more I search the old Interwebs the more I think there was debris on the road and that caused me to lose grip and slide into the curb.

If I spun out and only hit the back wheel, then it would have been my fault, but hitting the front wheel first and then the back, and also the pictures of the marks on the road make me think i slid on something.

Any way, I try and plead my case to them tomorrow. Maybe even go see the guy.

Thx Guys.

 

[TBP88]

If it's just wheel and tyre damage I don't see how it can be 50k? Must have hurt the suspension somehow as well? Either way - I'm sure once you present properly to them exactly your version and pics of any debris/oil/loose stones you'll be able to have this sorted.

Makes me less interested in discovery as an insurance firm though!

 

[WIDEOPN-X5]

The damage to the front rim is consistent with a severe impact. Slow speed would have ridden up the curb which is not vertical.

To break traction on modern tyres takes a lot on a dry road. Your car appears to be a Sportpack? Even bigger tyres thus greater grip.

Unless you can prove oil or debris on the road and come up with telemetry that counters the Insurers which alludes to harsh acceleration etc etc you may have a problem.

What F30 is it? 130i or 116i?

A 130i will get up to decent speed in short order.

Last time I commented on something like this I copped a lot of flack so that's my 2cents worth and good luck with the claim. I hope it works out in your favour if it was a genuine accident as a result of circumstances outside your control.

 

[Gizmo]

Looking at the scratches on the road I would say the tyre had pulled off the rim before hitting the curb.

I have pulled front tyres off rims at the race track before due to understeer. Low tyre pressure coupled with hard cornering can unseat any tyre, whether it's runflats or not.

 

[Gizmo]

Wideopen-X3 there are some who value and appreciate your knowledge on these subjects. I do, for one.

 

[Nish_H]

I was with Discovery Insure up until a few months ago when sensibility eventually prevailed and I moved to Santam. Only reason I chose Discovery was due to them willing to insure my Golf 1 cabriolet.

First question I asked was about the tracking unit and if they will deny a claim due to speeding, harsh braking, cornering, etc and I was told that they won't.

If I'm not mistaken I think there is some details around that in the actual contract.

To be honest we all accelerate or brake and corner harshly at times and to be continuously monitored is actually what made me leave discovery even though they said it would not affect a claim.

Good luck bud and hope you come right.

 

[deanbenn]

c'mon man..i drive a 320d...and to break a rim you must have floored the car...rims dont break against curbs at 35km/h..even then...brakes??i smell a fish..but its just my opinion..:hammerhead:

 

[AlexYannoulatos]

The damage to the front rim is consistent with a severe impact. Slow speed would have ridden up the curb which is not vertical.

To break traction on modern tyres takes a lot on a dry road. Your car appears to be a Sportpack? Even bigger tyres thus greater grip.

Unless you can prove oil or debris on the road and come up with telemetry that counters the Insurers which alludes to harsh acceleration etc etc you may have a problem.

What F30 is it? 130i or 116i?

A 130i will get up to decent speed in short order.

Last time I commented on something like this I copped a lot of flack so that's my 2cents worth and good luck with the claim. I hope it works out in your favour if it was a genuine accident as a result of circumstances outside your control.

Seems to be a 320d

 

[Stephanv]

Looking at the scratches on the road I would say the tyre had pulled off the rim before hitting the curb.

I have pulled front tyres off rims at the race track before due to understeer. Low tyre pressure coupled with hard cornering can unseat any tyre, whether it's runflats or not.

+1

Looks like highish speed low tyre pressure might be the cause

 

[AlexYannoulatos]

Wideopen-X3 there are some who value and appreciate your knowledge on these subjects. I do, for one.

+1

 

[Kaboose]

Thank you everyone for your comments.

@TBP88 : Its 15 Numbered parts from BMW. So its not just the Rims and Tyres, sorry.

@WIDEOPN-X3: I have a 320D, and yes it was a hard bump. How to prove debris and come up with the telemetry is why I posted here. And You wont get flack from me.

@Gizmo: If you look closely you will see two sets of marks on the road, the one from the front tyre is the more prominent one. And this was in a parking lot, and i slowed down (almost stopped) before taking the corner.

@deanbenn: No fish, all the evidence is there, From the Ctrack/DQ track statements to the pictures of the damage and the road surface. If i was a "skelm" would i post this on an open forum?

@Stephanv: No low tyre presure warning, no warning indicators at all!

Where are the smart guys with the 0-100 in 14 meters and the tyres only come off when cornering at 55km/h around a 90 dergree bend? I need those facts.

Where is Ruda Landman whn you need her