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Old 26.11.2014, 19:37
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Dent and scratch on car

Had a bad day and just to top it off did some terrible parking and scraped up against a car park pillar leaving a nice long dent and scratch on the rear passenger door.

I have "parkschaden" on my insurance but I seem to think that this might be for other people hitting you in the car park.... I.e. Not self inflicted damage. Any one know whether this is the case or not? If so is it covered under the standard insurance?
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Old 26.11.2014, 19:53
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Re: Dent and scratch on car

Kollision is what it would fall under.
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Old 26.11.2014, 20:13
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Re: Dent and scratch on car

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Kollision is what it would fall under.
No it wouldn't. The inurance company would see immnediately that you had done it and not a third party and proceed to sue the hell out of you for false declaration

Suck up and pay !
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Old 26.11.2014, 20:40
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Re: Dent and scratch on car

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No it wouldn't. The inurance company would see immnediately that you had done it and not a third party and proceed to sue the hell out of you for false declaration

Suck up and pay !
Why?
If you have full casco insurance and you declare that you have collided with a pillar and damaged your car they will pay for the repairs minus your excess.
Why would that be a false declaration?

If you were to blame a third party and declare it as 'un accident de Parc' that would be a different matter but that's not what Sean Connery was suggesting.
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Old 26.11.2014, 20:44
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Re: Dent and scratch on car

If you have an option covering from parking damage you could try it but as mentioned above they will probably scrutinize it and might be able to determine if you caused it or it was someone else's fault.

Personally, I know this kind of things sucks and big chip on shoulder. Next time be more careful. Good luck with your claim.
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Old 26.11.2014, 20:59
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Re: Dent and scratch on car

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Kollision is what it would fall under.
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Why?
If you have full casco insurance and you declare that you have collided with a pillar and damaged your car they will pay for the repairs minus your excess.
Why would that be a false declaration?
Can confirm it is collision. I bumped into a post some weeks ago and the insurance paid for the repairs minus the deductible. It was not parking cuz the inspector could easily see it was my stupidity.
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Old 26.11.2014, 21:04
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Re: Dent and scratch on car

Don't understand your groan?

If you have parkschaden then what's the problem? You call them or visit at the nearest help point and ask?

Optionally you can ask at the garage and they will advise you if make sense or not before contacting your insurance!
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Old 26.11.2014, 21:12
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Re: Dent and scratch on car

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Next time be more careful.
...makes me groan.
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Old 26.11.2014, 21:17
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Re: Dent and scratch on car

I know this might sound a totally wild and crazy idea, but why not just ring your insurance company and ask them?
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Old 26.11.2014, 21:19
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Re: Dent and scratch on car

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...makes me groan.
Ah that one ... Then my apologies. Not intend to diminish. Had similar incident on my Bimmer once which was combination of being in hurry and other driver reversing.
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Old 26.11.2014, 21:30
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Re: Dent and scratch on car

We just got our scrapes fixed last week and it went on the Kasko. We have Parkschaden but our insurer explained that's for when others damage your car when it is parked - not for when you damage your own car parking it. Like we did

They covered the repairs minus the excess, and lucky me I have no-claims protection so that's intact.
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Old 26.11.2014, 22:03
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Re: Dent and scratch on car

Why care about some scratches?

Tom
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Old 26.11.2014, 22:38
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Re: Dent and scratch on car

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Don't understand your groan?

If you have parkschaden then what's the problem? You call them or visit at the nearest help point and ask?

Optionally you can ask at the garage and they will advise you if make sense or not before contacting your insurance!
it's not Parkeschaden aka parking damage, the motor was running and the car was moving. It does not cover crap parking.

It will be clear to any assessor that the concrete pillar was stationary and the car was moving.
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Old 26.11.2014, 22:58
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Re: Dent and scratch on car

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it's not Parkeschaden aka parking damage, the motor was running and the car was moving. It does not cover crap parking.

It will be clear to any assessor that the concrete pillar was stationary and the car was moving.
Ok fair enough. But please don't rub it in. David already has had crappy day enough. I gather from above that only Tom would ignore any indents/scratches and wore them with pride.
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Old 26.11.2014, 23:10
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Re: Dent and scratch on car

Is it worth going through insurance? Do they raise your rates next year if you report something this year?

I only ask because my car was brutally attacked by a stationary pole this evening and I have a cracked bumper.
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Old 27.11.2014, 00:40
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Re: Dent and scratch on car

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Is it worth going through insurance? Do they raise your rates next year if you report something this year?

I only ask because my car was brutally attacked by a stationary pole this evening and I have a cracked bumper.
Yeah, some are really jumpy, two years ago I even got jump-attacked by one disguised as a snowman

Your premium will increase if you have them pay. However, that's up to you, you can have the car repaired and once you know the cost you can decide. But you still need to tell the insurance company first thing because they will want to assess the damage.

Whether it's worth having them pay depends on the damage. Having the insurance pay is profitable for you if your Selbstbehalt (deductible?) plus the sum of the premium increase until you reach the highest rebate (not just three years as the insurer will tell you) is less than the repair cost.
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Old 27.11.2014, 01:01
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Re: Dent and scratch on car

This happened to me last week
The icing on the cake,
I went in my case to a volvo dealer, yes I drive a volvo so what of it?
my insurance is covering 75% of the cost , this depends of course on your covrerage deductable, etc. If I may make a suggeestion, take the car to a qualified dealer and have a proper job done. I went to three dealers and yes the cost was astronomical. If not, and a shoddy job is done ever time you see the car you will be mad at yourself and relive that crappy day over and over again like groundhog day, and not in a good way.
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Old 27.11.2014, 01:19
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Re: Dent and scratch on car

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We just got our scrapes fixed last week and it went on the Kasko. We have Parkschaden but our insurer explained that's for when others damage your car when it is parked - not for when you damage your own car parking it. Like we did

They covered the repairs minus the excess, and lucky me I have no-claims protection so that's intact.
Were your scrapes accumulated over time or the result of one incident? If the former, did your insurance company treat the claim as one incident (only one excess payable)?
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Old 27.11.2014, 03:18
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Re: Dent and scratch on car

Could be worse.

Recently, our younger son jumped into my white Mercedes, reversed and turned the wheel sharply, thus crashing into the red Ford, in one grand sweep!

Two days later, the older son was meant to remove his Dad's Mercedes from the garage, in order to free up space for washing the dog. He seemed to be adjusting the mirror, whilst reversing and did not see the garage door in motion! Another crash!

BTW Red Ford was bought for the boys, but they haven't managed to master the manual transmission!! Something is WRONG with this picture! I am now driving the Ford!!

Kids!
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Old 27.11.2014, 08:10
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Re: Dent and scratch on car

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Why?
If you have full casco insurance and you declare that you have collided with a pillar and damaged your car they will pay for the repairs minus your excess.
Why would that be a false declaration?

If you were to blame a third party and declare it as 'un accident de Parc' that would be a different matter but that's not what Sean Connery was suggesting.
Because he talked about using his "PARKING INSURANCE" which is to cover damage done by an unknown third party in a parking lot for instance.

In this case they will see what the damage is, scraping, and deduce it was the driver himself who caused the damage.

To use your "casco" to cover this is one option, but once you paid the excess and lost your no claims bonus for a small thing, is it really worth it.....

Tks for the groan 22 yards, keep them comming and please provide some red cabbage
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