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Read the WELCOME ALL BMWFANATICS post.
Discovery Insure and My Poor F30
- Thread starter Kaboose
- Start date
WIDEOPN-X3 said:
I don't agree here...
If the tyre was away from the rim, and the rim in contact with the roadway while the car was turning and moving, then the sheer weight of the car with the roughness of the roadway could cause the rim to start breaking apart.
That shape of curb, and the angle of it, I can't see how the rim would shatter the way it did...unless higher speeds were involved, and then I am sure there would have been suspension damage as well.
Look, Only the driver knows what really happened, and the insurance company is now playing devils advocate by twisting all relevant information into their own advantage, as to not have to pay the claim.
Every story has 3 sides... Yours, Theirs, and the truth... and this has clearly become a "He said, She said" scenario where You as driver is saying this happened, and they as insurer is saying that happened...
In my opinion a SERIOUS FAIL on the insurance company side, using that tracker unit data, that in actual fact is stating you were driving under the legal speed limit while damage occurred, stating the Harsh acceleration and Harsh cornering as the cause of the damages.
What exactly, do they define as Harsh acceleration and Harsh cornering??? and how by law, can they refuse the claim against you, Unless you agreed to their terms in contract, allowing them to use this data, and that if you are seen to have done Harsh Anything, they can refuse a claim.
WIDEOPN-X5
Well-known member
Coisman lets agree to disagree:=):
As a general rule of thumb most cars are set up to understeer before they oversteer. Front or rear drive its only the degree to which they understeer first but understeer first they will.
Trying to get a 320d to oversteer with all the traction control and wizardry that goes on under the bonnet is virtually impossible.
Getting the car to understeer or scrub with harsh acceleration and a substantial degree of steering lock dialled in.....much easier.
The pavement at the apparent point of impact as submitted by the OP is not vertical. It is angled away from the direction of impact which would aid (in normal circumstances) the tyre running up the pavement and maybe one getting away with some "curb rash".
Anyway. Like you said, the OP was there not me. Only he knows what happened. And as I said, if he's certain of his facts, take the Insurer on via the Ombudsman or directly through the (much more expensive) route of his own lawyer backed but his own accident specialist.
So much for me butting out of the discussion :roflol::roflol:
As a general rule of thumb most cars are set up to understeer before they oversteer. Front or rear drive its only the degree to which they understeer first but understeer first they will.
Trying to get a 320d to oversteer with all the traction control and wizardry that goes on under the bonnet is virtually impossible.
Getting the car to understeer or scrub with harsh acceleration and a substantial degree of steering lock dialled in.....much easier.
The pavement at the apparent point of impact as submitted by the OP is not vertical. It is angled away from the direction of impact which would aid (in normal circumstances) the tyre running up the pavement and maybe one getting away with some "curb rash".
Anyway. Like you said, the OP was there not me. Only he knows what happened. And as I said, if he's certain of his facts, take the Insurer on via the Ombudsman or directly through the (much more expensive) route of his own lawyer backed but his own accident specialist.
So much for me butting out of the discussion :roflol::roflol:
Dewald Basson
///Member
How did the car get home?
Sabretooth tiger
///Member
Dewald Basson said:
Suppose on a flatbed. Looks like the rear suspension got damaged. Back wheel seem to be lying at an angle. So doubt it was able to drive.
Dewald Basson
///Member
Sabretooth tiger said:
So the tracker remain on even if the car is switched off?
Cause the trip seems to continue past the circle and down that road.
Sabretooth tiger
///Member
Dewald Basson said:Sabretooth tiger said:
So the tracker remain on even if the car is switched off?
Cause the trip seems to continue past the circle and down that road.
Yep, it is supposed to.
Dewald Basson
///Member
Kaboose said:
On wheel that looked like this?
Sabretooth tiger
///Member
Kaboose said:
oh ok. Hopefully that didn't cause more damage.
Dewald Basson
///Member
Sabretooth tiger said:
Of course it did, if it takes 2 meters for the wheel to rotate once, that is 500 rotations on a cocked wheel. If you only drive in straight line, ad turns the amount of rotations increase.
Whether you did 20/30/40km/h, you hit that curb hard sir, crash tests are only done at 60km/h. If the tire came off the wheel you would not be able to drive the car home either.
Hope the party was worth it, good luck.
PS. I will never get one of those "let see how well you drive trackers". Had you not had it in your car, you would not have this problem right now.
Sabretooth tiger
///Member
Dewald Basson said:
You 100% correct.
Maximus03
Active member
So, I'm on Discovery as well and this is pretty nasty........
I quickly had a look at the "FAQS"
"The information from your DQ-Track will be used to measure your driving behaviour and track the location of your vehicle in the event of a severe incident.
We will not use information from your DQ-Track when approving claims. The only time we will use the data from your DQ-Track in the claims process is to verify the time and location of an incident.
If you are involved in an accident and want to use data from the DQ-Track to prove your innocence and claim money from a third party, we will help you do so too. Discovery Insure, however, will not use such information without your permission"
I quickly had a look at the "FAQS"
"The information from your DQ-Track will be used to measure your driving behaviour and track the location of your vehicle in the event of a severe incident.
We will not use information from your DQ-Track when approving claims. The only time we will use the data from your DQ-Track in the claims process is to verify the time and location of an incident.
If you are involved in an accident and want to use data from the DQ-Track to prove your innocence and claim money from a third party, we will help you do so too. Discovery Insure, however, will not use such information without your permission"
WIDEOPN-X5
Well-known member
I feel reasonably confident to say this. Discovery have investigated the claim. Thoroughly. They have found something to embolden them sufficiently to repudiate the claim. I hope for the OP's sake I am wrong for reasons previously stated.
I said it in an earlier post. Underwriters don't repudiate claims flippantly because they know its likely to end up with the Ombudsman or in litigation particularly when the amounts involved are substantial.
I said it in an earlier post. Underwriters don't repudiate claims flippantly because they know its likely to end up with the Ombudsman or in litigation particularly when the amounts involved are substantial.
Sabretooth tiger said:Kaboose said:
Makes sense what Coisman said, never knew they can come off like that.
See in this pic, from where the marks on the road starts, seems like there was something lying in the road, that could also have damaged your tire. (almost rectangular mark on the road surface, right in the bend)
My 2 cents, If the tyre came off the rim prior to hitting the pavement, we would have clearly been able to see the two scraping lines of the rim sides on the road.
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