12-09-2018, 04:53 PM | #23 | |
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12-09-2018, 05:20 PM | #24 |
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12-09-2018, 05:25 PM | #25 | |
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I always figured comprehensive was for stuff like your parked car getting vandalized. If you live in deer country then it does sound like $0 deductible comprehensive is a wise decision. |
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12-09-2018, 05:27 PM | #26 | |
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Again, it's a no lose for me. Keep trying to be negative and wishing ill will on people. Great way to go through life.
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12-09-2018, 05:28 PM | #27 | ||
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12-09-2018, 05:30 PM | #28 | |
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Again, I’m the only one that has posted 3rd party facts as to cost etc.
Obviously, you cannot handle reality. A SINGLE Comprehensive Claim raises your rate an average of 2% for 3-5 years. Multiple Comprehensive Claims, especially within 12 months such as your case....get ready. https://www.nbcnews.com/businessmain...ums-2D11757507 Quote:
Last edited by IK6SPEED; 12-09-2018 at 05:38 PM.. |
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12-09-2018, 07:27 PM | #29 |
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So I'm basically out $500 no matter what from what I'm reading. Such garbage. In all the years of ownership on my 3 not one ding on my car. Gotta love inconsiderate people. Pretty expensive loaner.
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12-09-2018, 08:57 PM | #30 | ||
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12-09-2018, 09:02 PM | #31 | |
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Not saying it will work 100% but it sure won’t if you do not try. I’d sure press hard for it. |
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12-10-2018, 10:29 AM | #33 |
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I'm just here chillin with my popcorn listening to the debate between IK6SPEED and Blubaron79. I was always under the impression that insurance companies increase your rates if you report ANYTHING to their database. But who knows.
I live in NY now but when I lived in Dallas for a few years, they have a "Hit and Run" coverage (something along those lines). So technically, if you accidentally rear end a pole, you could call the police for a hit and run report and call it in through that coverage plan. Did it twice and all is good! Rates have not gone up. |
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12-10-2018, 02:07 PM | #34 | |
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Also, what you're talking about is insurance fraud. That's just wrong. It takes away from people who really have to use the hit and run coverage. You're the type of person to buy a TV at Best Buy, use it for the Super Bowl, and then return it the next weekend. A loser who abuses good faith policies and ruins them for everybody. I hope eventually you get caught and punished accordingly. |
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12-10-2018, 02:44 PM | #35 | |
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You could ask them how much it would be to repair the door at full retail price, not cost. If they say the $1100 is full retail, then you can ask why they want to profit from a customers misfortune. At full retail they are essentially using your misfortune to get an additional order for their bodyshop That would be very harsh when the only reason you had their car, was because you were paying them to work on your own. And had you been in your own car and dinged the door, you could of course have taken it to any bodyshop, almost all of which would gladly have undercut the dealer. |
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12-10-2018, 05:13 PM | #36 | |
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Furthermore, you are arguing the owner of a vehicle has no right on where their vehicle is repaired. Are you one that also piles on against Insurance Companies telling posters to get their car repaired where they want in an accident? Cannot have it both ways. And finally, they should charge MSRP. I’m shocked they didn’t. It’s the OPs Insurance that should be paying. Not the OP. |
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12-10-2018, 05:25 PM | #37 | |
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I think it's a fair question - although from your comments it sounds like you think the $1100 is quite cheap, so maybe they are already doing it for 'cost', or less than normal at least. My point was that there is a difference between a dealer being fair about how to sort out an unfortunate incident so that they are not left with a damaged car.. Or instead choosing to pounce on a customer to effectively get their car repaired and make some extra profit in doing so. |
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12-10-2018, 05:45 PM | #38 | ||
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And that you think an Individual Owner’s rights are different than a Dealer owning the car is comical. Again, OP paying same deductible whether bill is $600, $1200 or $2400. So asking for discount is mute. Last edited by IK6SPEED; 12-10-2018 at 05:52 PM.. |
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12-11-2018, 03:43 AM | #39 | ||
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The issue with loaner cars is that in my years of getting them, the dealer never actually charged the card for any dollar amount. As a result, the "rental" coverage does not kick in. I have the $25 Amex Premium Car Rental Protection and they confirmed that something, even a $1, needs to be charge to card for the insurance to be considered active, under the rental coverage. So that's the little caveat that makes credit card coverage unless for loaner cars.. Works well and painless for rental car though. |
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12-11-2018, 10:44 AM | #40 | |||
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You left out an important part of what I stated....Paying for the Service Bill with a Credit Card that has Rental Insurance. A car has always been listed on my printed bill. Usually the last item. It is considered part of the total bill for doing the repair there. So it is included in the total charge. If you had 100% warranty work, yes, you would be SOL in that case. Then again, if a chargeable item happened, perhaps something should be added before taking the car to make sure there is a small charge. Balance a tire, lol. I believe a strong case could be made that this should be covered. |
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12-11-2018, 12:36 PM | #41 |
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Agree with Poochie. Can't see how a $20 replace item like windshield wipes on an otherwise clean bill could be construed as payment for or toward a loaner car rental.
Trying to remember but outside of the pre-drive off damage walk around sheet don't remember signing any kind of rental contract. Not sure about the actual service agreement wording is regarding the loaner. Be interest to see what would happen but BMWUSA has a building full of lawyers & since any number of loaners get wacked on any given day there must be case law already.
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12-11-2018, 01:14 PM | #42 |
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have them get a quot on paintless dent repair. that price is bullshit.
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12-11-2018, 01:19 PM | #43 | ||
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BMWNA is not involved with loaners. Thats entirely on the local level. Quote:
You can always not take a loaner if you do not want to be responsible and do not agree to their terms. If it was your car, bet you’d feel different. |
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12-11-2018, 01:32 PM | #44 | |
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