| [ Total Views: 1150 | Total Replies: 10 | Thread Id: 107802 ] |
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 helbus
A.k.a.: Pete S
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| posted on December 2nd, 2014 at 05:52 PM |
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Claiming insurance on car paint damage by grinding
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.
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 waveman1500
Custom Title Time!
Also rides a Honda
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| posted on December 2nd, 2014 at 06:24 PM |
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I'd be really careful with that, if the 'sparks' are in there relatively deep, it could easily be a full respray, which could make the car an
economic write-off!
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Birdman
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| posted on December 2nd, 2014 at 08:50 PM |
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Yeah, go their home insurance for negligence.
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bugzla
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| posted on December 2nd, 2014 at 09:15 PM |
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use a product called ferrous dueller
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helbus
A.k.a.: Pete S
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Mad fabricator, paint and body
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| posted on December 2nd, 2014 at 10:05 PM |
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Clay and ferrous dueller look good
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kombibob
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| posted on December 3rd, 2014 at 08:59 AM |
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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
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HappyDaze
A.k.a.: Greg Mackie
Son of Jim - Creator of Good
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| posted on December 3rd, 2014 at 09:13 AM |
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| Quote: | Originally
posted by kombibob
Isn't that a movie?
Ferrous duellers clay off.
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I'd rather wear a Beetle out by racing it than by polishing it!
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cam070
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| posted on December 3rd, 2014 at 10:21 AM |
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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.
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vlad01
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| posted on December 4th, 2014 at 08:54 AM |
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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 |
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pfillery
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| posted on December 4th, 2014 at 11:14 AM |
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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).
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grumble
Son of Jim - Creator of Good
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| posted on December 4th, 2014 at 11:45 AM |
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| Quote: | Originally
posted by pfillery
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).
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i agree make a no fault claim on your insurance and let them do the work as that is what you pay for.
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