Would insurance cover this?

urbanite23 · 07-26-2011, 05:58 PM

d

Express · 07-26-2011, 06:02 PM

doubt you did enough damage to file a claim... but if you do, comp will cover it.

username604 · 07-26-2011, 06:24 PM

if you're under warranty, have them look at it (just to inspect/diagnose the problm, not to fix it).

EngineCo52 · 07-26-2011, 06:35 PM

doubt it... like david said if ur still under warrenty, just tell them you started hearing this

wrickem · 07-26-2011, 06:44 PM

Did you ever actually look under your car and see if anything was wedged or tangled around something under your car? That would have been my next move.

And yes, Insurance will cover it. Why people would tell you to go to the dealership and claim "warranty" when you ran something over is beyond me.

good luck, I hope it all works out for you.

John 070 · 07-26-2011, 07:24 PM

You made a 911 call, I think it's believable that there was a legit incident and you were close enough to it to have run over something. Just contact your agent and go from there. Life happens, you didn't do anything wrong.

Cgmiller63 · 07-27-2011, 01:02 AM

I don't know how accurate this is but I was once told that if you ever run something over on the highway and it causes damage to your car you should tell your insurance company the item was rolling/moving and you tried to avoid it. They said the insurance would not cover the damage if the item was stationary because you should gave been able to avoid the object.

GE · 07-27-2011, 01:13 AM

Depends on what coverages you have on your policy. If you have Collision coverage, it should be covered. Comp, doubtful. Technically speaking it has to be a "missile" or however it's worded under the Comp section of your policy. This means it would have to be moving when you struck it. I'd take it to a shop to diagnose what the problem is prior to filing a claim with your insurer. If it's going to exceed the amount of your Collision deductible, notify your insurer immediately prior to authorizing any repairs so that they have a chance to inspect your car.

pwrdbynel · 07-27-2011, 02:26 AM

Everything is in the details. It depends how you explain it to your insurance company. Obviously you are not going to tell them you hit a stationary object. Just tell the truth. An accident occur in front of you and you hit the debri from the aftermath. I had a similar experience. Some table flew from a truck and it shatter on the freeway. I hit a piece of the shatter table and it dent my bumper. Insurance paid for a new bumper. This happen when I owned a evo IX MR.

urbanite23 · 07-27-2011, 05:29 PM

Is this something I should get taken care of right away and report? As of now, it is just an annoyance with all the squeals but the car drives perfectly fine.

Should I bring it to their attention that this happened and it might need repairs at a later time? I don't really have the time right now to get it checked, and possibly repaired for a few days.

edit* Thanks for all the responses btw.

07-26-2011, 05:58 PM	#1
urbanite23 Private First Class 36 Rep 188 Posts Drives: black beauty Join Date: Oct 2010 Location: east coast iTrader: (0)	Would insurance cover this? d Last edited by urbanite23; 03-08-2012 at 03:52 AM..
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07-26-2011, 06:02 PM	#2
Express Major General 369 Rep 8,693 Posts Drives: 06 330i Join Date: Dec 2008 Location: The Promise Land iTrader: (17) Garage List 2006 BMW 330i [8.30]	doubt you did enough damage to file a claim... but if you do, comp will cover it.
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07-26-2011, 06:24 PM	#3
username604 Colonel 124 Rep 2,554 Posts Drives: bmw Join Date: Sep 2010 Location: repair shop iTrader: (0) Garage List 2008 BMW 335i [10.00]	if you're under warranty, have them look at it (just to inspect/diagnose the problm, not to fix it).
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07-26-2011, 06:35 PM	#4
EngineCo52 Major 60 Rep 1,457 Posts Drives: 2007 Montego 328xi CPE Join Date: May 2011 Location: Havre de Grace, MD iTrader: (2)	doubt it... like david said if ur still under warrenty, just tell them you started hearing this __________________ E92 328xi Mods-KW V1-BMW Performance Exhaust-Matte Black Grill-CF Mirror Covers-CF B-Pillars-20% Tint-Coming soon:AG M310's, M3 Rep Front, Black Roof, Vinyl Window Trim E9x Picture Game-8 Points-Roundabout, Something Remarkable(stack of 50 g's), Cruise Memorabilia, Dirt Road w/ Trees, Michael Jackson, Police Station ,Dress-Up Funny, TPMS
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07-26-2011, 06:44 PM	#5
wrickem Big Beaver Smile 2101 Rep 3,791 Posts Drives: What he wants to Join Date: Mar 2006 Location: lambertville nj iTrader: (0)	Did you ever actually look under your car and see if anything was wedged or tangled around something under your car? That would have been my next move. And yes, Insurance will cover it. Why people would tell you to go to the dealership and claim "warranty" when you ran something over is beyond me. good luck, I hope it all works out for you. __________________ ______________________________________________ Current- '21 430 , '19 911, 07 M6 ,'17 Jeep Wrangler, "23 Bronco OBXluxsquatch Last edited by wrickem; 07-26-2011 at 06:51 PM..
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07-26-2011, 07:24 PM	#6
John 070 Lieutenant General 1705 Rep 14,829 Posts Drives: 335i cpe Join Date: Oct 2006 Location: ZSP/ZPP/ZCW iTrader: (0)	You made a 911 call, I think it's believable that there was a legit incident and you were close enough to it to have run over something. Just contact your agent and go from there. Life happens, you didn't do anything wrong.
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07-27-2011, 01:02 AM	#7
Cgmiller63 Cgmiller63 3 Rep 149 Posts Drives: 2020 M40 Join Date: Jul 2011 Location: Lakewood, CA iTrader: (0)	I don't know how accurate this is but I was once told that if you ever run something over on the highway and it causes damage to your car you should tell your insurance company the item was rolling/moving and you tried to avoid it. They said the insurance would not cover the damage if the item was stationary because you should gave been able to avoid the object.
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07-27-2011, 01:13 AM	#8
GE Banned 4 Rep 114 Posts Drives: 2011 335i Join Date: Jul 2011 Location: Dallas iTrader: (0)	Depends on what coverages you have on your policy. If you have Collision coverage, it should be covered. Comp, doubtful. Technically speaking it has to be a "missile" or however it's worded under the Comp section of your policy. This means it would have to be moving when you struck it. I'd take it to a shop to diagnose what the problem is prior to filing a claim with your insurer. If it's going to exceed the amount of your Collision deductible, notify your insurer immediately prior to authorizing any repairs so that they have a chance to inspect your car.
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07-27-2011, 02:26 AM	#9
pwrdbynel Private First Class 13 Rep 197 Posts Drives: 335i Coupe Join Date: Apr 2008 Location: SoCal iTrader: (1)	Everything is in the details. It depends how you explain it to your insurance company. Obviously you are not going to tell them you hit a stationary object. Just tell the truth. An accident occur in front of you and you hit the debri from the aftermath. I had a similar experience. Some table flew from a truck and it shatter on the freeway. I hit a piece of the shatter table and it dent my bumper. Insurance paid for a new bumper. This happen when I owned a evo IX MR.
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07-27-2011, 05:29 PM	#10
urbanite23 Private First Class 36 Rep 188 Posts Drives: black beauty Join Date: Oct 2010 Location: east coast iTrader: (0)	Is this something I should get taken care of right away and report? As of now, it is just an annoyance with all the squeals but the car drives perfectly fine. Should I bring it to their attention that this happened and it might need repairs at a later time? I don't really have the time right now to get it checked, and possibly repaired for a few days. edit* Thanks for all the responses btw.
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