Damage to loaner

bimwxyz · 03-09-2012, 06:13 PM

Drive off the lot with a loaner while getting my car services for the day. and literally five minutes later, a rock (or something) kicks up and puts a small, but deep dent in the door. I return the car, and a few days after returning the car get an estimate from the BMW body shop that I owe $1000 for damages. What? BMW provides no coverage

Is there no insurance given by my credit card?

Wondering if anyone has had to deal with this.

Frustrated....

XMetal · 03-10-2012, 12:11 AM

As I understand, your own insurance and/or credit card should cover it...so you have to make a claim with them. Dealers normally do NOT offer insurance for their loaners.

kyleb350 · 03-10-2012, 12:46 AM

Quote:

Originally Posted by XMetal

As I understand, your own insurance and/or credit card should cover it...so you have to make a claim with them. Dealers normally do NOT offer insurance for their loaners.

Your personal insurance covers it. I'm surprised the dealership didn't check it when they loaned you the car.

Fox128i · 03-10-2012, 08:21 AM

Quote:

Originally Posted by kyleb350

Your personal insurance covers it. I'm surprised the dealership didn't check it when they loaned you the car.

That's a good point. Mine always asks for proof of insurance. Though this could easily differ from location to location I suppose.

To the OP: Sorry to hear about this.

bulldog_yyc · 03-10-2012, 09:30 AM

credit card should cover it, assuming you paid a fee for the loaner car (rental coverage kicks in).

jon328i · 03-10-2012, 10:59 AM

I always ask about damage coverage to my loaner car before grabbing the keys and that's the reason why i get an optional insurance from the dealership rental service (costs me $20 per day) when taking a loaner car..."just in case" something like this happens.

az34 · 03-10-2012, 01:09 PM

A thousand buck for a dent?? wow!

bimwxyz · 03-10-2012, 04:28 PM

Thats the thing, it was a loaner so I paid $0.
CC company can't do anything because there was no charge for rental. Yet BMW did take down my CC number?
However I did pay $1300 in new tires for which the loaner could be considered part of?

I guess I have to do this through my own insurance co? Why doesn't BMW dealer have insurance?

Frustrating... Need more info from the dealer on Monday...

e92oholic · 03-10-2012, 05:18 PM

My mother had her x5 in for service and they gave her a 328 coupe. She got rear ended at a stop light. Filed the police report took the car back to the dealer they quickly gave her another loaner.. heres a pic. it looked worse in person..

bimmerjph · 03-11-2012, 03:08 AM

Quote:

Originally Posted by e60oholic

My mother had her x5 in for service and they gave her a 328 coupe. She got rear ended at a stop light. Filed the police report took the car back to the dealer they quickly gave her another loaner.. heres a pic. it looked worse in person..

Seriously because that looks pretty bad there. I can't imagine it being too much worse.

Blue Bottle · 03-14-2012, 03:56 AM

Bad news, lessons for all of us here, it pays to check the fine deatil when taking a loaner..

mmm def · 03-16-2012, 10:36 AM

i wrecked a loaner car once, my insurance covered it.

Exite · 03-17-2012, 12:59 AM

That sucks; especially since there was nothing you could do to stop it. Hope you get it worked out.

What I don't get is I usually see people hauling ass around in their loaner cars like assholes around here I just don't get it; around here loaner cars usually have big black letters on the bumper "Courtesy car from xxxxx dealer" so you know. I always drive any loaner like a grandma. Just not worth the hassle with insurance and dealership and stuff if you fuck the car up.

Exite · 03-17-2012, 01:05 AM

Quote:

Originally Posted by e60oholic

My mother had her x5 in for service and they gave her a 328 coupe. She got rear ended at a stop light. Filed the police report took the car back to the dealer they quickly gave her another loaner.. heres a pic. it looked worse in person..

That sucks too. I bet when someone rear ends a luxury car what is going through their mind is "fuck....this is gonna be expensive."

middleagedhippie · 03-18-2012, 04:29 PM

Just because they send you a bill does not mean that you owe them anything. Since I would consider a 1000 bill for a ding an attempt to rape me, I would fight fire with fire: (1) Deny that you caused the damage and make them prove it and (2) Find out THEIR cost to actually repair the ding. Assuming they can PROVE you were responsible, make them also prove the extent of the damages. Now given that nobody checked the car when you returned it, in your presence, how do they prove YOU caused the damage unless you admit the same? $1000 bill for a ding? Screw um.

And yes, you can be sure they have insurance for this. If they turn it in to their insurance AND charge you, they recover twice.

03-09-2012, 06:13 PM	#1
bimwxyz Registered 4 Rep 3 Posts Drives: black 328i coupe 2009 Join Date: Nov 2010 Location: Milwaukee iTrader: (0)	Damage to loaner Drive off the lot with a loaner while getting my car services for the day. and literally five minutes later, a rock (or something) kicks up and puts a small, but deep dent in the door. I return the car, and a few days after returning the car get an estimate from the BMW body shop that I owe $1000 for damages. What? BMW provides no coverage Is there no insurance given by my credit card? Wondering if anyone has had to deal with this. Frustrated....
	Appreciate 0 Tweet Quote

03-10-2012, 12:11 AM	#2
XMetal Colonel 1230 Rep 2,945 Posts Drives: Anything Join Date: Apr 2010 Location: SoCal iTrader: (0) Garage List 2008 Z4M Coupe [10.00] 2004 X5 [8.50] 2018 Audi S3 [0.00]	As I understand, your own insurance and/or credit card should cover it...so you have to make a claim with them. Dealers normally do NOT offer insurance for their loaners.
	Appreciate 0 Quote

03-10-2012, 09:30 AM	#5
bulldog_yyc Major General 136 Rep 5,040 Posts Drives: GT3RS Join Date: Oct 2008 Location: probably work iTrader: (28)	credit card should cover it, assuming you paid a fee for the loaner car (rental coverage kicks in).
	Appreciate 0 Quote

03-10-2012, 10:59 AM	#6
jon328i Wheelmaster 14 Rep 445 Posts Drives: F39, S209, VB-WRX Join Date: Sep 2010 Location: Los Angeles iTrader: (7)	I always ask about damage coverage to my loaner car before grabbing the keys and that's the reason why i get an optional insurance from the dealership rental service (costs me $20 per day) when taking a loaner car..."just in case" something like this happens.
	Appreciate 0 Quote

03-10-2012, 01:09 PM	#7
az34 Major 56 Rep 1,014 Posts Drives: 2009 z4sdrive35i 2008 x5 3.0i Join Date: May 2011 Location: montréal iTrader: (0)	A thousand buck for a dent?? wow!
	Appreciate 0 Quote

03-10-2012, 04:28 PM	#8
bimwxyz Registered 4 Rep 3 Posts Drives: black 328i coupe 2009 Join Date: Nov 2010 Location: Milwaukee iTrader: (0)	Thats the thing, it was a loaner so I paid $0. CC company can't do anything because there was no charge for rental. Yet BMW did take down my CC number? However I did pay $1300 in new tires for which the loaner could be considered part of? I guess I have to do this through my own insurance co? Why doesn't BMW dealer have insurance? Frustrating... Need more info from the dealer on Monday...
	Appreciate 0 Quote

03-10-2012, 05:18 PM	#9
e92oholic Banned 68 Rep 850 Posts Drives: 2013 MINI JCW GP Join Date: Feb 2012 Location: Buffalo NY iTrader: (6)	My mother had her x5 in for service and they gave her a 328 coupe. She got rear ended at a stop light. Filed the police report took the car back to the dealer they quickly gave her another loaner.. heres a pic. it looked worse in person.. Attached Images
	Appreciate 0 Quote

03-14-2012, 03:56 AM	#11
Blue Bottle Lieutenant 10 Rep 533 Posts Drives: X1 x Drive 2.0L D Join Date: Oct 2011 Location: Swindon iTrader: (0)	Bad news, lessons for all of us here, it pays to check the fine deatil when taking a loaner..
	Appreciate 0 Quote

03-16-2012, 10:36 AM	#12
mmm def Colonel 145 Rep 2,611 Posts Drives: 21 330, 19 ND2 RF, 11 RX350 Join Date: Dec 2006 Location: NJ iTrader: (0)	i wrecked a loaner car once, my insurance covered it.
	Appreciate 0 Quote

03-17-2012, 12:59 AM	#13
Exite Private 4 Rep 64 Posts Drives: 08 135i Join Date: Dec 2009 Location: socal iTrader: (0)	That sucks; especially since there was nothing you could do to stop it. Hope you get it worked out. What I don't get is I usually see people hauling ass around in their loaner cars like assholes around here I just don't get it; around here loaner cars usually have big black letters on the bumper "Courtesy car from xxxxx dealer" so you know. I always drive any loaner like a grandma. Just not worth the hassle with insurance and dealership and stuff if you fuck the car up.
	Appreciate 0 Quote

03-18-2012, 04:29 PM	#15
middleagedhippie Private 9 Rep 98 Posts Drives: 2011 328i Join Date: Feb 2012 Location: central florida iTrader: (0)	Just because they send you a bill does not mean that you owe them anything. Since I would consider a 1000 bill for a ding an attempt to rape me, I would fight fire with fire: (1) Deny that you caused the damage and make them prove it and (2) Find out THEIR cost to actually repair the ding. Assuming they can PROVE you were responsible, make them also prove the extent of the damages. Now given that nobody checked the car when you returned it, in your presence, how do they prove YOU caused the damage unless you admit the same? $1000 bill for a ding? Screw um. And yes, you can be sure they have insurance for this. If they turn it in to their insurance AND charge you, they recover twice.
	Appreciate 0 Quote