[split] Crashed F30 320i accident claim problem

Fifth BMW

New member
dez said:
AF / Guardrisk giving me grief. The claims manager told me that they agreed to repudiate the claim because they are conflicting statements how i got home after the accident. So right now i have to buy a freakin Hyundai Atos just to use to go to work. They haven't sent the repudiation letter still dragging.

On the 17 August 2013 I totaled my f30 320i sport, it was seven days old.My car is a write of. The funny bit is that they also do not have any blood test or breathalyzer and also the metro police was on site and they did not arrest me. Yet they have statements saying I was intoxicated. Now I need to take this to the Ombudsman..my car is worst off than yours though. Furthermore I have no criminal records or have no priors yet they repudiated because I was so called intoxicated and I did not tell the true story. I hit my head on the windscreen for crying out load.


zaleonardz@DentDocVPS said:
Dez,

You have a far more serious problem then that.

Get your car OUT of hallmark today.

If they repudiate your claim, you will be liable for storage and towing.

Currently, you are being charged R175 a day for storage at Hallmark/First towing.

Let the car sit at hallmark for 30 days, and your looking at 5k in storage.

I recovered a Getz the other day that was in storage for 59 days, towing and sotage was 16k!!!!

My car is in Pretoria east SMD..should I also get my car towed out of there?


dez said:
For an update, Guardrisk who are the underwriters sent through the repudiation letter. Thanks to Leonard (http://www.dentdocbb.co.za/) for his assistance in collecting my car from Hallmark.
Basically the tow truck driver and his wife wrote 5 pages of an affidavit under oath alleging that i was drunk contrary to what the police saw that there was no suspicion at all that i was drunk. So this is it a brand new car driven for 2 months and a total loss of R400k for an alleged statement which is not proved by real evidence despite the fact that the scene was attended by SAPS.

Presumption of the driver being under the influence of alcohol

On Saturday, 5th June 2004, the Insured played golf in the country town of Porterville. He spent some time at the 19th hole and he was on his way home at 21h30. One of the tyres of the vehicle burst, which caused the vehicle to swerve and he then collided with another vehicle. His vehicle rolled and landed in an open piece of land. One of his passengers fell out of the vehicle and walked approximately 5 Kms. to seek help. The Police as well as the Ambulance arrived at the accident scene where the Insured was still trapped in his vehicle. The Insurer rejected liability on the ground that the Insured was driving whilst under the influence of alcohol. The Insurer justified its rejection because the barman at the Golf Club had confirmed that the Insured was in the bar earlier on the incident date, a Farmer confirmed that one of his workers had picked up a crate of beer and two glasses where the vehicle had landed, the insured had been seen at the rugby where he had been seen drinking Red Heart Rum with his friends and a witness, who was at the rugby, confirmed that the Insured was “definitely drunk”.
Ombudsman’s response
The Ombudsman pointed out to the Insurer that no blood alcohol analysis had been taken, no breathalyser was administered and that the Police who arrived at the accident scene, did not arrest the Insured or call for a blood alcohol analysis to be taken. The Ombudsman pointed out that the mere fact that the Insured had been drinking prior to the accident, is insufficient evidence to establish on a balance of probabilities that the Insured was under the influence of liquor at the time of the accident. As they could not produce any evidence of the Insured being under the influence of alcohol other than observations of witnesses, the Insurer met the claim.


I had to also by another Car until this gets sorted out.. 2010 320d sport AT with fifty thousand KMs on it..
 

zaleonardz

Well-known member
If your insurance is not going to cover the damage, they may repudiate the storage and towing charges as well.

At R120 a day, R180 if its stored under roof, if you are going to be responsible for the storage bill, I would advocate that you remove it there at once,

Get it to your house or somewhere that is not going to attribute storage...

If the bill is still reasonable, the insurance company may pick up the tab.

But if its sitting on 30k, you will not see that car ever again...

So yea.. Move it... monday at the latest.
 

Iceman007

Active member
Well its false accusations they making. Remember you need hard evidance in the court. They also have to prove that you were over the leagal limit. 1 beer is leagal.

just my 2c
 

Andrew

New member
Agreed ..... Getting your car back in your possession is a priority. I am familiar with several cases where guys have lost their vehicles under these circumstances ..... Act NOW and the best of luck with the litigation
 

Fifth BMW

New member
Thanks for the best wishes...I think insurance is just a scam when u claim the first time after fifteen years you get a back hand worth talking about. I have a thought insurance puts down policy to save their own behind. Why cant we as citizens be able to also put down our contextual policy. Say if a policy read intoxication we could say yes I agree, making certain there is supporting evidence like a breatherlyzer or a blood test or else they must settle. The reason for us getting ripped off is because we are too happy to donate our hard earned cash to financial companies. ...
 

Dean ///M

Limited Profile
They can't make you pay for the car. Get a lawyer they have to prove beyond reasonable doubt and that means 100% not even 99. This can't be a difficult case just get a good lawyer. Just make sure that your statement remains consistent.
 

Fifth BMW

New member
Dean ///M said:
They can't make you pay for the car. Get a lawyer they have to prove beyond reasonable doubt and that means 100% not even 99. This can't be a difficult case just get a good lawyer. Just make sure that your statement remains consistent.

@ Dean thanks for this I have done so. For now I had to get a E90 320d Auto 2009 with 58000 km on it Sport... motorplan uintill 2016..
 

dez

New member
Fifth BMW said:
Thanks for the best wishes...I think insurance is just a scam when u claim the first time after fifteen years you get a back hand worth talking about. I have a thought insurance puts down policy to save their own behind. Why cant we as citizens be able to also put down our contextual policy. Say if a policy read intoxication we could say yes I agree, making certain there is supporting evidence like a breatherlyzer or a blood test or else they must settle. The reason for us getting ripped off is because we are too happy to donate our hard earned cash to financial companies. ...

In my case SAPS were on the scene i was not arrested no blood samples or breathlyzer, tow truck drivers then wrote affidavits at request of insurance 5 pages in total just describing how drunk i was using words like: off-balance, slurred speech, i had to be carried into the police van and so on. Insurance just concluded i was drunk just like that. Ombuds did not change insurer decision because she told me she can't just throw away what the tow truck drivers are saying rather advised me to go to court so that the witnesses are cross-examined. The tow truck driver works with his wife and they together wrote 5 pages of damning statements.
 

dez

New member
No it was not tyre burst but i was distracted when i hit a huge water puddle in heavy rain and i swerved and hit a road pavement with the right front wheel.
 

dez

New member
Yes i have been to Ombuds she made a ruling in October. She did not change insurer decision because she told me she can't just throw away what the tow truck drivers are saying rather advised me to go to court so that the witnesses are cross-examined.
 
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