Insurance Claims

caveman said:
I would feel that I entrusted my vehicle to your care and that you are responsible for any losses incurred while it was in your care. Wonder if I can ban you? :D
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Guess not... :D

seethrough said:
So if I brought my truck to your dealership and you provided me a loaner car that I took home and someone came in the middle of the night and stole the wheels I could call you up and tell you to come get your vehicle and I am not responsible for the loss of your wheels and I am not payinig any part of your deductable to get them replaced. This is where our opinions differ because if this were to happen I feel that I would be responsible for the care of your vehicle - even if I didn't have a secure place to store it. I would be responsible to replace your wheels through my insurance and I would be responsible for the deductable because the car was in my care and I would be responsible. Just my opinion but this is how I would treat the situation and I would want to do business with someone that treated me the same way - it is just the right thing to do regardless of insurance or legal small print.
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I do see your point, but at the same time I disagree with you. We also have you sign a bunch of legal things that state you are responsible for the rental vehicle and any damage incurred while in your possession.

I don't know if we ever discussed what business you are in, but try to view it as a business owner / manager and if you would be willing to pay out of pocket for a similar situation where damage or theft occurred to another's property through no fault of your own.
 
caveman said:
I would feel that I entrusted my vehicle to your care and that you are responsible for any losses incurred while it was in your care. Wonder if I can ban you? :D
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Ya can't ban Andy unless Ironhead goes first. :D

Wonder who would be responsible if while in the dealers care the truck burned to the ground? Might be tempted to sue if the dealer said, collect on your own policy. Nah, just start dating his wife. :chain:

That was a joke for those that need to take offence. :D
 
shorty said:
Ya can't ban Andy unless Ironhead goes first. :D

Wonder who would be responsible if while in the dealers care the truck burned to the ground? Might be tempted to sue if the dealer said, collect on your own policy. Nah, just start dating his wife. :chain:

That was a joke for those that need to take offence. :D
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Who set it on fire? If anybody is taking offense to this conversation they need some thicker skin. I'm not sure I get the joke though.
 
Discuss it with the dealer. Don't just come out "LAWYER!11!!!1!".

Like stated already you probably already signed something to the effect of "Haha SOL" so they aren't on the hook but maybe if it's a nice dealer he'd meet half way.

I don't know if it's been discussed already(This is a busy thread 5 pages in a day, I got tired of reading by page 2) but where is the police report and or video?
 
ViperCLKGTR said:
Discuss it with the dealer. Don't just come out "LAWYER!11!!!1!".

Like stated already you probably already signed something to the effect of "Haha SOL" so they aren't on the hook but maybe if it's a nice dealer he'd meet half way.

I don't know if it's been discussed already(This is a busy thread 5 pages in a day, I got tired of reading by page 2) but where is the police report and or video?
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This is quality entertainment being provided to you at no charge, I suggest you read it all. :D
 
ViperCLKGTR said:
Discuss it with the dealer. Don't just come out "LAWYER!11!!!1!".

Like stated already you probably already signed something to the effect of "Haha SOL" so they aren't on the hook but maybe if it's a nice dealer he'd meet half way.

I don't know if it's been discussed already(This is a busy thread 5 pages in a day, I got tired of reading by page 2) but where is the police report and or video?
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If you were tired of reading on the 2nd page how did you get here? :dontknow:
 
shorty said:
If you were tired of reading on the 2nd page how did you get here? :dontknow:
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Read the first two and decided I read enough to give the OP an opinion. Instead of people going back and forth :burnout:
 
VPRPWRD said:
Guess not... :D



I do see your point, but at the same time I disagree with you. We also have you sign a bunch of legal things that state you are responsible for the rental vehicle and any damage incurred while in your possession.

I don't know if we ever discussed what business you are in, but try to view it as a business owner / manager and if you would be willing to pay out of pocket for a similar situation where damage or theft occurred to another's property through no fault of your own.
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I am a business owner and our policy is that once I take possession of a piece of customer's property I am responsible for it. I pay additional insurance called "inland marine insurance" (dont ask me why it is called that) that covers customer's equipment that is being transported from their location to mine so if someone hits me and damages the customer equipment (out of my control) I am covered since I am responsible for their equipment. If a customer's product were at my shop and a tornado took out my building I would be replacing the customers equipment. If someone broke in and stole the customer's equipment I would be replacing the customer equipment. If I left a customer's piece of equipment outside and hail damaged it I would be replacing the equipment. If a terrorist attack happened on my building I would be replacing the customer equipment (and finally using the terrorist attack part of my insurance plan that I have to always pay for). Bottom line is I have possession which means I have the FULL responsibility of the equipment. I dont understand how you can stand behind a policy of not protecting customers equipment but if the situation is reversed and your rental vehicle gets damaged you find the customer responsible. To me this is not fair play.

I know that I said something stupid at the beginning of all of this and I appreciate that we all have thick skin and opinions but regardless I apologize for my statement and concede that it was stupid and should be listed as one of the stupidest things said on the forum so again I apologize for the statement. I am not passionate about many things but as a business owner and consumer I get so aggravated by all of the legal aura that surrounds everything. I am sure that your policy is based on lawsuit happy people that you have to protect yourself against but I don't agree with bending to this new idea that no one is responsible therefore no one can be sued and I absolutely despise the small print. If you can't do business on a handshake and a reputation and I have to sign away my rights then I will take my business elsewhere. Maybe I am small minded and as a small business don't have to worry about the next a$$hole that trips on my business' sidewalk and sues me for everything but at some point we all (regardless of how big or small) have to change this atmosphere and stop making lawyers rich.
 
:D I just noticed that the OP has not posted since he originally started this thread. As a new member I can't image what he is thinking about all this discussion.
 
stephen rose said:
Seeking some advice.
5 days ago I took my 04 Quad 10, stock, 25000mi, to get some warranty work (brake calipers, JTSVP thanks for the lines) done at a Dodge/Chrysler dealership, this past Friday they called me and told me someone stole my stock rims w/Pirelli tires
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A great thread to read !!!! .......5 days for calipers and warranty work ?? Also i'm too lazy to check but how many QC's have a build date in '04 ??
 
stephen rose said:
Seeking some advice.
5 days ago I took my 04 Quad 10, stock, 25000mi, to get some warranty work (brake calipers, JTSVP thanks for the lines) done at a Dodge/Chrysler dealership, this past Friday they called me and told me someone stole my stock rims w/Pirelli tires
My insurance is telling me I have to pay a $500 deductible.
My worries is the insurance company low ball me on my refund to replace my stock wheels, as we know these rims and tires are not cheap.
Of course the dealership is wiping their hands clean because I have insurance to cover the damages.
Has anyone experience this before, any advice is welcomed.
Thanks.
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I'd like to clarify one thing. You did not have warranty work done. All srt's have been out of warranty for several years. You may have an extended service contract, but that is not a warranty repair through Dodge.
 
seethrough said:
I am a business owner and our policy is that once I take possession of a piece of customer's property I am responsible for it. I pay additional insurance called "inland marine insurance" (dont ask me why it is called that) that covers customer's equipment that is being transported from their location to mine so if someone hits me and damages the customer equipment (out of my control) I am covered since I am responsible for their equipment. If a customer's product were at my shop and a tornado took out my building I would be replacing the customers equipment. If someone broke in and stole the customer's equipment I would be replacing the customer equipment. If I left a customer's piece of equipment outside and hail damaged it I would be replacing the equipment. If a terrorist attack happened on my building I would be replacing the customer equipment (and finally using the terrorist attack part of my insurance plan that I have to always pay for). Bottom line is I have possession which means I have the FULL responsibility of the equipment. I dont understand how you can stand behind a policy of not protecting customers equipment but if the situation is reversed and your rental vehicle gets damaged you find the customer responsible. To me this is not fair play.

I know that I said something stupid at the beginning of all of this and I appreciate that we all have thick skin and opinions but regardless I apologize for my statement and concede that it was stupid and should be listed as one of the stupidest things said on the forum so again I apologize for the statement. I am not passionate about many things but as a business owner and consumer I get so aggravated by all of the legal aura that surrounds everything. I am sure that your policy is based on lawsuit happy people that you have to protect yourself against but I don't agree with bending to this new idea that no one is responsible therefore no one can be sued and I absolutely despise the small print. If you can't do business on a handshake and a reputation and I have to sign away my rights then I will take my business elsewhere. Maybe I am small minded and as a small business don't have to worry about the next a$$hole that trips on my business' sidewalk and sues me for everything but at some point we all (regardless of how big or small) have to change this atmosphere and stop making lawyers rich.
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I agree that lawyers are part of what is wrong with this country. I prefer to avoid the legal garbage and just do business on an understanding but the average person will lawyer up at the drop of a hat. I appreciate this response and enjoyed our debate. :D I also want to remind you that this is not my business, I just work here and have to enforce the policy of the owner.
 
I agree with everything VPRPWRD has stated, we cannot by no means as a shop control everything that our world throws at us.. Their are so many variables, and in working in a shop pretty much my whole life it amazes me the crap that people try to pull. And in my shop I inform all customers that they should carry insurance on their vehicles while they are in my shop. Do I have insurance.. Yes I do!! I am probably over insured on some instances, but if a natural disaster comes through town and my shop gets blown away along with everything in it, my coverage may come short..

And it's funny because I can see people ranting and raving over this statement, but I wanted to change my coverage to another level to make sure it would cover me in case of such incident and my insurance would go up over a thousand every month to do so, I asked my agent what I should do, and he stated to carry that coverage is ridiculous and none of his clients to. He said some things are beyond our control and the customers should also have their own insurance to cover their cars. If we all had to be in a position to cover everything life had to offer, most of the repair shops would either close down or you would see a DRASTIC price increase to make up for that difference.. I myself would have to make a additional 12k in profit just to make up for this policy increase, not really possible as such a small operation. So therefore this is why shops have the waivers and things of the such to state we are not responsible for things that can happen like this.. It's just not possible.. People like to bitch about everything if their world is not made perfect by the shop..

In Michigan we have what is called a NO FAULT insurance.. Which adds to the confusion with stuff.. If i'm at fault in a accident I really have no liability, because it's no fault, we all have to have insurance to cover our own vehicle, but if someone plows into me I have to make the claim and my insurance would go up. Even though I'm not at fault.. But this is a whole different discussion but our whole insurance system is weird in the way that it operates in Michigan.
 
In response to the wheels, I agree that this is why you pay insurance, if you had a 2,000.00 deductible would you think the dealership would be responsible for that just because of you're choice of insurance??? My argument to that is that the $500.00 deductible is pretty low but maybe you should have had a $0 deductible? and if you did would you think the dealership didn't owe anything?? I guess I am saying that in this case you would be saying the dealership is responsible for you're deductible based on what deductible you decided to pay for. It is not their responsibility in any way. If anybody is that worried about something like this maybe it should be taken to a place with a fenced in lot, but keep in mind it still isn't protected from hail, wind storms, lightening or fence jumpers.. It's just impossible to be safe from everything.


Now with that being said, their were some good questions, and I am just trying to give my opinion.

And also it doesn't hurt to question the dealership about how they would like to handle something like this. They may in good faith offer to help pay you're deductible, I wouldn't be offended if someone asked me if their wheels got stolen while in my lot. As long as the question was asked properly.. Maybe ask if they would split it with you? I know I would agree to something like that.
 
And one more thing to add to all of this.. In Michigan if something happened like this, the insurance company would charge a betterment, which means they will not pay for the wear that was done to the tires in the time you had them.. If you have had the tires on the truck for a long time they will only pay a percentage because you have already used part of you're purchase.. Being they were stolen it will be hard to put a number to this though.. Here they use a gauge and document the wear.
 
They use a gauge and document the wear? Who the michigan tire nazis?...plus how the hell would the insurance company know how worn your tires were? I see you have been taking advantage of some Michigan Medical Marijuana...
 
mopar-or-no-car said:
They use a gauge and document the wear? Who the michigan tire nazis?...plus how the hell would the insurance company know how worn your tires were? I see you have been taking advantage of some Michigan Medical Marijuana...
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What the problem is?
 
mopar-or-no-car said:
They use a gauge and document the wear? Who the michigan tire nazis?...plus how the hell would the insurance company know how worn your tires were? I see you have been taking advantage of some Michigan Medical Marijuana...
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Yea pretty much the insurance companies, they have a tread gauge that reads how much tread has been used, they will look up the tire and it will tell the factory tread depth, if you have used half of the tires life, you get paid for half of the tire in the replacement.. Really sucks if you are down to the last 20% and they are only replacing one tire in the front of a fwd car.. Because then you get paid 20% and then you have to buy the other front tire..

Another sore subject because I have had customers throw a fit about this and demand I pay for the rest of the tire and the other tire because it was not their fault.. NEWS FLASH,, not my fault either.. lol.
 
I guess my shop is just different then others. Maybe because I work on 1/2 million dollar cars. We also have a fenced in shop..we have had radios and such stole befor and windows broke and yes with out a doubt we paid for it. We take it upon our self to just get it fixed even befor asking customer knows although we let them know. Just don't see why should bother them with the problem that was in our hands. Just my 2 cents and it don't mean shit
 
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