Insurance Screwaround

[xrapidx]

Follow the insurances complaints process, but make it clear your tires only had xxx km - front and rear the same, their own initial report confirmed such - and then if it gets nowhere, approach the ombuds - but - its a long process.

 

[Hemi300c]

And this is why a person should use a Broker.

 

[warrenpridgeon]

Hi there - depth is shown as 4.0 all around

AH! There report is a bit wonky... it looked like it had nothing for depth... but that label is actually for the section below to the right. Sheesh whoever built that report didn't really care about readability.

"John did you complete the assessment report"
"Yep"
"Is it readable?"
"Well... it's got all the information on it."

HAHHAHA.

Hopefully it will give you some sort of leverage for an ombudsman case!

 

[warrenpridgeon]

And this is why a person should use a Broker.

That doesn't always guarantee "good service". I've had brokers in the past that didn't help either.

 

[Lupus]

That doesn't always guarantee "good service". I've had brokers in the past that didn't help either.

Same, having a broker doesn't necessarily mean good service or good prices

 

[SauRoNZA]

Your conclusion is the same as the expert I am currently consulting with - issue is no way to prove this, doubt they will give us their own footage.

View attachment 1819195

Any chance you have photos of the car after you swopped tires where you could possibly identify the tire markings?

Possible chance you could then prove they’ve been changed or at least raise a question mark.

 

[SauRoNZA]

If the tread wear was due to a short distance tow it should surely be very obvious, no? And I've never seen insurance allow car to be towed on anything but flatbed and I've had a car towed where I told the consultant it's got to be flatbed and they made sure it's so.

I think OP meant it was NOT a flatbed in the original post, otherwise the dragging comment makes no sense.

 

[Jet-Fighter7700]

see this is why pre insurance assessment is important,
kind of worried now with the casual filming around that Naked does, no way to advise when thread depth is out of spec, and brakes are up to scratch,

as again, insurance is a business, they will find some small technicality to deny a claim,
claim you disk is out of date, claim the sun was in your eyes, all sorts of weird trics to make sure you DONT get paid,

now this about Tires being worn out, sounds exactly like them,

out of interest, as its a high performance car, what was the premium?
they tend to price gouge on those sorts of cars, vs a humdrum economy car. or a Bakkie or something high risk.

 

[Rayne]

Why was there 2 assessment reports? Who did the 2nd one?

 

[Rayne]

see this is why pre insurance assessment is important,
kind of worried now with the casual filming around that Naked does, no way to advise when thread depth is out of spec, and brakes are up to scratch,

as again, insurance is a business, they will find some small technicality to deny a claim,
claim you disk is out of date, claim the sun was in your eyes, all sorts of weird trics to make sure you DONT get paid,

now this about Tires being worn out, sounds exactly like them,

out of interest, as its a high performance car, what was the premium?
they tend to price gouge on those sorts of cars, vs a humdrum economy car. or a Bakkie or something high risk.

What?

Maintain your own property. It's not the insurers property and it is not their problem.

 

[B-1]

All I can say is this whole can’t be towed with a flatbed Quattro/4WD story has never made any sense to me.

If the car is in neutral the car is in neutral and there can’t be any meaningful strain on anything.

Now if you told me it was towed in gear entirely different story, but that applies to anything with a gearbox.

Putting it in neutral just disconnects the engine from the drivetrain. The wheels are still connected to each other through various differentials so if you turn the rear wheels that energy needs to go somewhere or possibly have resistance.

 

[SauRoNZA]

Putting it in neutral just disconnects the engine from the drivetrain. The wheels are still connected to each other through various differentials so if you turn the rear wheels that energy needs to go somewhere or possibly have resistance.

Which they do at all times when it’s in motion in any other way too, and under far more load.

I understand the theory, but it just sounds like litigation cover, without real substance.

I simply can’t believe that this can really cause any kind of lasting damage, unless it’s literally towed for hundreds of kilometres.

 

[Sheks]

see this is why pre insurance assessment is important,
kind of worried now with the casual filming around that Naked does, no way to advise when thread depth is out of spec, and brakes are up to scratch,

as again, insurance is a business, they will find some small technicality to deny a claim,
claim you disk is out of date, claim the sun was in your eyes, all sorts of weird trics to make sure you DONT get paid,

now this about Tires being worn out, sounds exactly like them,

out of interest, as its a high performance car, what was the premium?
they tend to price gouge on those sorts of cars, vs a humdrum economy car. or a Bakkie or something high risk.

+-R1500 per month

 

[Ϲhristopher]

They conveniently remove the part where they towed the car in contravention to the owner's manual (i.e. on a flatbed)... Any ideas here? because I followed the tow truck and watched them drag the car, the insurer has admitted that the car was towed front wheels up.

The RS3 doesn't have permanent four wheel drive? It's primarily front wheel drive with power sent to the rear wheels by engaging a clutch, rather than via a differential. If the clutch wasn't engaged it shouldn't matter that the rear wheels were on the ground.

 

[xrapidx]

That doesn't always guarantee "good service". I've had brokers in the past that didn't help either.

That's on you, choose a better broker. If my broker doesn't bend over backwards when I need him, he's no longer my broker

 

[Jet-Fighter7700]

+-R1500 per month

and what does that leave you out of pocket for?
what is the settlement? did you have gap cover on the finance agreement?

 

[Jet-Fighter7700]

I simply can’t believe that this can really cause any kind of lasting damage, unless it’s literally towed for hundreds of kilometres.

some expensive German cars will throw an engine code if you dont use the correct oil in them,
not to mention change tire size/brand or rims, built super complex and fragile for all that sweet Dealership repair money, and that you throw it away when the warranty is done, hence the resale on a German car is peanuts

some have a Tow mode that I think you are supposed to use, or the handbook says it cannot be towed with ANY wheels on the ground,

OP, did you just get any old vulture guy to tow it, and not WAIT and VERIFY for the insurance company to send a flatbed?

as most insurers will deny any and all claims if the Vehicle was towed by somebody that isnt them.

seen some pretty nasty stuff the tow truck vultures do, your a bit confused and dizzy, they offer you a phone and they get somebody to pretend to be outsurance,

at least in JHB they tamper with traffic lights, so that they cause accidents, seen plenty of nasty and very disgusting behaviors by the vultures, and when they see an expensive car in an accident they pounce and try everything to get the most out of you.

is that what happened here?

 

[Park@82]

Which insurance company?

 

[airborne]

I hear you and I was taking due care.

Data pulled from the car shows I was not speeding - and insurance co has said speed is not a factor here.

I left site to go to get checked out and then to get items from the car, when I left they said it would be on a flatbed, when we met the guy at Renew-It, he said he made a plan and towed it this way.

Insurer's first report (i.e. assessed closest to the time of the accident shows adequate tread, later report says below the limit). I've attached the first report here.

There's another thread about a guy with an Audi that got shafted by that place.

That changes things - I wouldn't put it past some dodgy scrap yards to change tyres. In-fact about 30 years ago - I was in a situation where I watched them do it to get a claim approved.

That's exactly what I was thinking, anything goes in some yards.

Putting it in neutral just disconnects the engine from the drivetrain. The wheels are still connected to each other through various differentials so if you turn the rear wheels that energy needs to go somewhere or possibly have resistance.

With an automatic and especially with all wheel drive you need to read the manual before towing it with any of the wheels on the ground, they often have some special process or override to be able to do that safely.

 

[Neuk_]

The RS3 doesn't have permanent four wheel drive? It's primarily front wheel drive with power sent to the rear wheels by engaging a clutch, rather than via a differential. If the clutch wasn't engaged it shouldn't matter that the rear wheels were on the ground.

An RS3 does sort of have permanent four wheel drive but in normal mode and at light loads it uses primarily the front wheel with the rear 'disconnected' either via a viscous coupling or torque splitter depending on the year model. It also has a DSG/DCT gearbox which while an 'automatic' is a very particular type of automatic. There should be a very specific procedure to tow an RS3 and I doubt it would be to put it in neutral and tow it with the front in the air, I would presume a flat bed is the OEM recommended method.

I would be pissed if my Touareg was towed on anything other than a flat bed.