Skip to content
Aussieveedubbers

Claiming insurance on car paint damage by grinding

0 likes
Share Share on Facebook Share on X Share on Reddit
Log in to reply

helbus Administrator Mad fabricator, paint and body

7,386 posts · joined Sep 2002 ·

#1004575
A girl I know has had her car damaged by grinding sparks. She got me to have a look at it to see if it was something that could be polished out. I said it looks like gringing sparks, and she said the old lady next door had her sons putting a new roof on the verandah and they were grinding all day in the driveway next to her car. She spoke to them about it, and they admitted it looks like their mistake.

Now the big question is who's insurance is going to take care of it. Does the old lady make a claim on her house insurance, as it was her sons working on her house, in her property that caused the damage? The girl only has third party insurance.

Maybe they will have to pay for a cut and polish? The sparks have stuck to the white paint everywhere, and the particles are rusting. If it is cut and polished, the metal particles will dislodge, get on the buff pad and turn the buff pad into sandpaper.

I am thinking maybe overspray clay, then a buff, however it is so difficult to find a car detailer that can do this type of work without making more damage. It could take a whole day, so would be costly. She lives in Thornbury.
EJ22 into Bay Microbus - Finished project build thread- click on this spot here for info

Birdman Wolfsburg Wizard

428 posts · joined May 2010 ·

#1004592
Yeah, go their home insurance for negligence.

bugzla Custom Title Time!

1,164 posts · joined Jun 2007 ·

#1004599
use a product called ferrous dueller

kombibob AKA: Volkswagen Type 2 Transporter Van Robert

1,698 posts · joined May 2004 ·

#1004610
Isn't that a movie?
Ferrous duellers clay off.
1961 swb buggy
1960 karmann ghia
1963 Single Cab: "El Concreto"
1963 bent 23 window " Frieda Samba "
1963 Eriba Faun camper " Cara Van daCamp"
2012 Skoda Octavia scout

Get down low and go,go,go

HappyDaze Superannuated

2,887 posts · joined Jun 2009 ·

#1004611
kombibob wrote:Isn't that a movie?
Ferrous duellers clay off.
😂😂
I'd rather wear a Beetle out by racing it than by polishing it!

cam070 Custom Title Time!

1,332 posts · joined Jul 2009 ·

#1004614
My Brothers work had an issue like that. Something spewed out of the factory and coated all the employees cars. They had to get someone to come out and claybar all the staffs cars.

vlad01 Compulsive Aussie Vee Dubber

4,270 posts · joined Jun 2010 ·

#1004674
clay bar works wonders.


I pulled little nodules off an old respray that was done years and years ago that was never cut and buffed. I didn't even know they were there until the clay bar.

71 notchback,
Past owner of, 70 NB, 73 SB and 72 FB TLE

pfillery Insano Dub Head

734 posts · joined Dec 2011 ·

#1004678
But at the end of the day if the damage is someone else's fault then it should be down to a professional repair or a payout, not having to repair yourself no matter how well the repair works.

I've been told before that even if you only have bomb insurance (aka 3rd party) that your car's insurer will still go in to bat for you in the event of a "not at fault" claim. If you can identify the perpetrator then they will arrange assessment and repairs for you as though you are comprehensively insured and pursue either the home owner's insurance or take civil action to resolve. This has been particularly useful with people claiming for damage to cars by trolley collectors in shopping centre carparks. Usually its less cost than an excess but the trolley boys are not driving so they have no car insurance to claim against.

Tell her to go through her insurance and ask them to help, otherwise I fear it may end up having to be a "her vs them" civil case as I don't believe contents or house insurance will cover anything to do with cars (even car parts stored at your house are not covered under a lot of policies).

grumble Son of Jim - Creator of Good

2,672 posts · joined Jun 2008 ·

#1004680
pfillery wrote:But at the end of the day if the damage is someone else's fault then it should be down to a professional repair or a payout, not having to repair yourself no matter how well the repair works.

I've been told before that even if you only have bomb insurance (aka 3rd party) that your car's insurer will still go in to bat for you in the event of a "not at fault" claim. If you can identify the perpetrator then they will arrange assessment and repairs for you as though you are comprehensively insured and pursue either the home owner's insurance or take civil action to resolve. This has been particularly useful with people claiming for damage to cars by trolley collectors in shopping centre carparks. Usually its less cost than an excess but the trolley boys are not driving so they have no car insurance to claim against.

Tell her to go through her insurance and ask them to help, otherwise I fear it may end up having to be a "her vs them" civil case as I don't believe contents or house insurance will cover anything to do with cars (even car parts stored at your house are not covered under a lot of policies).
i agree make a no fault claim on your insurance and let them do the work as that is what you pay for.