Is this one excess payment or two?

bwana

bwana

MyBroadband
Super Moderator
Joined
Feb 23, 2005
Messages
97,710
Reaction score
37,848
Location
Plz
So the missus was driving along and a the rear window shattered, probably a result of a stone being thrown up by grass cutters working on the verge. We take the car to get the window repaired, pay the excess, job done, we get on with our lives.

A couple months later we notice several raised/peaked areas around the bottom of the door that are beginning to oxidise so we head to the dealer who, after sending it to a couple panel beaters, informs us it is due to a shoddy job by the glass fitters.

Now my insurance company expects me to cough up R5000 excess to cover this repair. Am I misguided/kidding myself in thinking that a second excess shouldn't apply as it's the direct result of the initial incident?
 
If the glass fitment centre was one approved/provided/recommended by the insurer and you have a report from the panel beaters stating that the glass people made an oopsie, tell the insurer the excess needs to be waived or we can go to the ombud to get it waived..
 
The way I udnerstanmd is because it is a seperate claim, the excess is payable. Excess is also payable regardless of whether it was the instalelrs fault.

Only way would be to seperately recover your excess from the installers or call the installers regarding the damage they cause due to the installation. They should have insurance for this sort of thing I would think.

Edit: Also as above but I've never had to shoddy work by an approved supplier so I wouldnt know the process here
 
acidrain said:
The way I udnerstanmd is because it is a seperate claim, the excess is payable. Excess is also payable regardless of whether it was the instalelrs fault.

Only way would be to seperately recover your excess from the installers or call the installers regarding the damage they cause due to the installation. They should have insurance for this sort of thing I would think.

Edit: Also as above but I've never had to shoddy work by an approved supplier so I wouldnt know the process here
Click to expand...
I think @WAslayer is correct. For example, I only paid one excess for an insurance claim, 500 for the builders but the carpenters had no excess.
 
bwana said:
So the missus was driving along and a the rear window shattered, probably a result of a stone being thrown up by grass cutters working on the verge. We take the car to get the window repaired, pay the excess, job done, we get on with our lives.

A couple months later we notice several raised/peaked areas around the bottom of the door that are beginning to oxidise so we head to the dealer who, after sending it to a couple panel beaters, informs us it is due to a shoddy job by the glass fitters.

Now my insurance company expects me to cough up R5000 excess to cover this repair. Am I misguided/kidding myself in thinking that a second excess shouldn't apply as it's the direct result of the initial incident?
Click to expand...

Bureaucracy at its finest. They probably created a new ticket/claim when they should have added it to the original claim.
 
In my mind this shouldn't be a new claim at all, but rather opening the original one and going back to the source of the problem for the insurance to sort it out with them.

Had a similar thing in the past although much more directly linked where after a claim I discovered they missed an issue and reported it to the insurer and took it back to the panelbeater to get it resolved.

Problem here I guess is that it's two different providers in play.
 
Unsure how the glass fitting have anything to do with rust forming?
Did they chip the paint and covered it up with touch-up?
 
A3@MBB said:
Unsure how the glass fitting have anything to do with rust forming?
Did they chip the paint and covered it up with touch-up?
Click to expand...
That. Glass is nowhere near the bottom of a door, sounds like you have a kak insurer.
 
I suspect he meant the boot lid not an actual door.

They could have chipped the edges when fitting the new rear window and let moisture in under paint causing it to bubble.
 
But also, if he does in fact mean the very bottom of the door is rusting because of a chip that happened at the same time as the broken window, that's definitely a separate claim all together and no way to prove that it was damaged by the glass folks..
 
WAslayer said:
But also, if he does in fact mean the very bottom of the door is rusting because of a chip that happened at the same time as the broken window, that's definitely a separate claim all together and no way to prove that it was damaged by the glass folks..
Click to expand...
I mean that wouldn't be a claim at all I reckon because that's not something insurance would cover anyway.
 
A3@MBB said:
Unsure how the glass fitting have anything to do with rust forming?
Did they chip the paint and covered it up with touch-up?
Click to expand...
According to the dealer there's broken glass trapped at the bottom that wasn't removed when the window was replaced. The force of opening and closing the door had caused outdentations(?) with cracks in the paint.

SauRoNZA said:
I suspect he meant the boot lid not an actual door.
Click to expand...
Rear passenger door.

SauRoNZA said:
I mean that wouldn't be a claim at all I reckon because that's not something insurance would cover anyway.
Click to expand...
The claim has already been approved. Albeit with a second excess payment.
 
You must log in or register to reply here.
Back
Top
Sign up to the MyBroadband newsletter
X