Discovery Insure and My Poor F30

[Sabretooth tiger]

OP, you managed to get the car sorted yet?

 

[CK4LIFE]

#DiscoveryInsureMustFall

 

[Sabretooth tiger]

Any updates?

 

[Paul_Pret]

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.

My summary - You drove like a nut, I do as well, you realized you were going too fast (you are in the middle of the city btw), You auto-correct (rookie mistake) hitting the pavement with your front tyres. This has happened to alot of people, and will keep happening. Take it like a man and repair your mag, and move on.

 

[WIDEOPN-X5]

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.

My summary - You drove like a nut, I do as well, you realized you were going too fast (you are in the middle of the city btw), You auto-correct (rookie mistake) hitting the pavement with your front tyres. This has happened to alot of people, and will keep happening. Take it like a man and repair your mag, and move on.

Became a little more complicated than a simple "repair your mag and move on" the moment the claim was submitted with a description of one version of the events leading up to the claim by the OP.... Did you read the full thread? There's significant damage to the OP's car.

When the assessor / investigator did his work (if he was any good) he found a different set of probable circumstances than was described in the claim form as giving rise to the loss. The claim was then repudiated.

Some Insurers stop at repudiation of the claim....others get grumpy and pursue a case of fraud if they feel strongly enough about their case.

 

[MikeR]

:cartel: I dont think OP is coming back - his stay with us was very short lived. My Opinion..... the OP messed up here and walked away from it. Im sorry he had an accident - but IMO he was at fault that damage is due to excessive speed no matter how you look at it. No way will runflats come off at low speed I dont care who you are.

I hit a Pothole on the highway at 120km/h and there was no where near that much damage to the rims, and the tires did not come off (E90 330d) but the suspension was in its moer-in.

we all point blame at The insurance - they have not added their point of view and we all know how there is two sides to the story. If Insurance paid out for every one of these case we would be paying triple for premiums. :hammerhead:

 

[prospect]

:cartel: I dont think OP is coming back - his stay with us was very short lived. My Opinion..... the OP messed up here and walked away from it. Im sorry he had an accident - but IMO he was at fault that damage is due to excessive speed no matter how you look at it. No way will runflats come off at low speed I dont care who you are.

I hit a Pothole on the highway at 120km/h and there was no where near that much damage to the rims, and the tires did not come off (E90 330d) but the suspension was in its moer-in.

we all point blame at The insurance - they have not added their point of view and we all know how there is two sides to the story. If Insurance paid out for every one of these case we would be paying triple for premiums. :hammerhead:

If he was not DUI then insurance should pay, end of story.

 

[Mc Member.]

relating to post in some way:

Having recently taken delivery of my 320d, my broker and underwriter were in two minds about whether I needed a tracker or not.

Then they decided I did........

BUT they are very clever, THEY pay for unit, installation AND premium - R130 odd a month.............

Hmmmmmm..........

So in my usual way, I grilled the fishing net with a star employee over the phone.

She in a smooth cold calling fashion told me that the assessor would look into data should something happen to my vehicle but only then.

So what is she saying?

We can all read between the lines.

Bugger................

Feeling a bit invaded here.

For all intense purposes, two car claims in the last 14 years.

But ja. lets see.

I feel like someone is trying to play I spy. Hopefully not the case.

 

[tman]

relating to post in some way:

Having recently taken delivery of my 320d, my broker and underwriter were in two minds about whether I needed a tracker or not.

Then they decided I did........

BUT they are very clever, THEY pay for unit, installation AND premium - R130 odd a month.............

Hmmmmmm..........

So in my usual way, I grilled the fishing net with a star employee over the phone.

She in a smooth cold calling fashion told me that the assessor would look into data should something happen to my vehicle but only then.

So what is she saying?

We can all read between the lines.

Bugger................

Feeling a bit invaded here.

For all intense purposes, two car claims in the last 14 years.

But ja. lets see.

I feel like someone is trying to play I spy. Hopefully not the case.

Big brother is watching

Sent on the move via Tapatalk

 

[Mc Member.]

relating to post in some way:

Having recently taken delivery of my 320d, my broker and underwriter were in two minds about whether I needed a tracker or not.

Then they decided I did........

BUT they are very clever, THEY pay for unit, installation AND premium - R130 odd a month.............

Hmmmmmm..........

So in my usual way, I grilled the fishing net with a star employee over the phone.

She in a smooth cold calling fashion told me that the assessor would look into data should something happen to my vehicle but only then.

So what is she saying?

We can all read between the lines.

Bugger................

Feeling a bit invaded here.

For all intense purposes, two car claims in the last 14 years.

But ja. lets see.

I feel like someone is trying to play I spy. Hopefully not the case.

Big brother is watching

Sent on the move via Tapatalk

Ja.......asking pertinent questions and hearing the BS behind the roses and daisies is part of my job.

Hence when I asked the questions, she gave the answers and I laughed at her and told her to cut the specially thought out responses.

Its more cost effective to pay for a monitoring device in the hope that a loophole can be used.

Oddly, my previous vehicle was a higher risk than the bimmer - I kid you not. Yet the tracker is NOW an issue?

 

[Sabretooth tiger]

I have the tracker retrieve on my car. It does not monitor all the jazz some of you talk about,.......I think.

Then again I am either at in bed, or at home THAT late at night, or at someone else's home, with no intentions to go anywhere till I got up sober the next morning.

 

[Mc Member.]

I have the tracker retrieve on my car. It does not monitor all the jazz some of you talk about,.......I think.

Then again I am either at in bed, or at home THAT late at night, or at someone else's home, with no intentions to go anywhere till I got up sober the next morning.

Don't be so sure.

Yesterday I looked at my phone about half an hour before leaving work, it suddenly notified me that there I serious traffic on the route I take home.........I have switched off all location features and such like.

Sadly we are living in a world where as much as we are 'free' we are not at all.

 

[Clint@MMS AUTO]

Thats what you get when you let your insurance/tracking companies monitor how you drive YOUR vehicle. If you need their fuel rewards, you bough the wrong car... Fill your own fuel and get better insurance with a cheaper tracking option and dont sit with shit like this....

 

[babyboss]

Don't think insurers got right to check into tracking without your consent.
its there purely for stolen/recovery issues.
if u were @ track then yre claim will def be refused any other cases should be paid out .. no matter how u drive unless they got clauses in the contract !

 

[TurboLlew]

Don't think insurers got right to check into tracking without your consent.
its there purely for stolen/recovery issues.
if u were @ track then yre claim will def be refused any other cases should be paid out .. no matter how u drive unless they got clauses in the contract !

Will be interested to see what is in the contracts, because if they are bold enough to do what Discovery is doing, then I am sure you have signed something away or consented to these conditions somewhere in the paperwork.

No such thing as a free lunch - especially not with insurers.

 

[Mc Member.]

Don't think insurers got right to check into tracking without your consent.
its there purely for stolen/recovery issues.
if u were @ track then yre claim will def be refused any other cases should be paid out .. no matter how u drive unless they got clauses in the contract !

Will be interested to see what is in the contracts, because if they are bold enough to do what Discovery is doing, then I am sure you have signed something away or consented to these conditions somewhere in the paperwork.

No such thing as a free lunch - especially not with insurers.

Ill quote the fishing net with a star ladies reply:

My question:

Will my insurance use your service/unit as a monitoring device should I have an accident.

Her reply:

well sir, they may request certain information based on road conditions, time of travel and other aspects if need be should something happen to your car such as theft or any other incident of loss.

- In a nutshell, yes. Now this may be different for any other insurance, but for mine, I feel like I am on parole with an ankle bracelet.

 

[WIDEOPN-X5]

There is a far more sinister aspect IMHO.

Let's say that you are doing 130km/h on the N3 and suddenly there's a pedestrian in the road. In the course of taking avoiding action you bin it but take out the pedestrian.

You cannot avoid the pedestrian and now you have a totalled car and the SAPS charge you with culpable homicide which is standard practice.

The usual course of events is that the culp charge is investigated and due to the pedestrian crossing a highway it's closed and charge withdrawn.

Now you have a thorough cop who discovers you have a Dicscovey tracker and subpoenas the tracking info preceding the accident.

It is then discovered that you were breaking the law and the charge is amended to murder and Discovery repudiate the claim on the grounds that you were breaking the law.

There is NO WAY that I will ever have a tracking device in any vehicle I own which is capable of recording my driving. Never.

Furthermore I won't have a tracker fitted that helps recover the vehicle if it's stolen or hijacked. I don't want it back.


PS: I understand that with Discovery, it is not an option. If you have their cover, then you HAVE to have the C Track (??) system. So you are being watched. Period.

There is a growing trend among people to have a "dashcam" fitted an running at all times. Unless the driver is Mother Teresa, that also has the potential to bite you in the arse in an accident scenario. If you are incapacitated in an accident, and someone else recovers the camera, then next thing you know, civil suit against you by the other party. OOOOOO eh eh. Sorry, but the advent of social media society and living one's life in full view of everyone.... no no no

 

[Mc Member.]

There is a far more sinister aspect IMHO.

Let's say that you are doing 130km/h on the N3 and suddenly there's a pedestrian in the road. In the course of taking avoiding action you bin it but take out the pedestrian.

You cannot avoid the pedestrian and now you have a totalled car and the SAPS charge you with culpable homicide which is standard practice.

The usual course of events is that the culp charge is investigated and due to the pedestrian crossing a highway it's closed and charge withdrawn.

Now you have a thorough cop who discovers you have a Dicscovey tracker and subpoenas the tracking info preceding the accident.

It is then discovered that you were breaking the law and the charge is amended to murder and Discovery repudiate the claim on the grounds that you were breaking the law.

There is NO WAY that I will ever have a tracking device in any vehicle I own which is capable of recording my driving. Never.

FurthermoreI won't have a tracker fitted that helps recover the vehicle if it's stolen or hijacked. I don't want it back.

My sentiments exactly.

:clapper:

 

[Stig24]

It all comes down to insurance going out of their way to decline your claim. Outsurance will even in some cases request that you grant them approval to look at your cellphones beacon and Tower history so that they can 'validate' your claim. It's absolutely insane.

 

[ET was here]

insurance companies don't exist for any other reason than to make a profit, just like any other company
if they can find a reason to deny a claim, THEY WILL, and thus they can show a profit