does a claim on my customer liability affect my trade motor policy

[smirnoff_rules]

does a claim on my customer liability affect my trade motor policy



had a customer blame me for a wheel (aftermarket wheel and she was told to double check it too ? ) coming loose after 2 months ,. and has not claimed for repair to car ? but trying to claim for a sore neck ..

one of these no win no pay companies

any ideas

lm trying to get the insurance to fight it but these days there happy to pay out because its cheaper that going to count . l even have a letter from another garage she went to and asked to check the nuts but didnt want to wait and drove off

[Meat-Head]

. l even have a letter from another garage she went to and asked to check the nuts but didnt want to wait and drove off

OFF TOPIC:- BUT RELEVENT

When we was at Meat-City College, was was told, if you (own car/ punter whatever) removes a wheel and sees no brake, pads left, then puts the wheel on, drives down road, runs out of brakes, hit's someone and kills them, you can, be done for manslaugter - or person-slaughter.

ON TOPIC:- Nearly

Surly this peasant is liable for 'attampted man/person slaughter'
because she knew the wheel nuts were 'loose' therefore bassically 4 bullets ready to fly off.

The fact that she knew there were 'loose' would tell her to fro.

If this was yesterday and wheel came off in front of other garage then fine, 'your bad'

OFF TOPIC:

If one of your empleeys is told NOT to use the bench grinder or stick their willy in it, as there is no guard - new one on the way, and they stick their willy in the grinder, or use it and get hurt, because they are told, tough.

UNCONFIRMED RUMOR GOING AROUND, that is a bit hazy, says
you don't get whip lash at side of road, you get this later on - check this out - see if you can get the words

"i got whiplash at the side of road"

Was the car damaged bad - ie slow speed or fast speed.?
Some cars record the speed airbags popped at.

Does your invoices say:-

smirnoff_rules_motors, insist wheel nuts are checked after 30 miles

[Wolfpack]

I could see if you put the wheel on and right after it fell off but after 2 month she don't have a leg to stand on

[Cronus]

I could see if you put the wheel on and right after it fell off but after 2 month she don't have a leg to stand on

Agree but not enough info.
Take it you run a garage Smirnoff. If a person comes to a garage for work then WHY would a person be asked to double check it? Isn't that your job as she was a paying customer?
Did you fit it or someone else?

If you fitted it then I can't see how you can argue.

[dctyper]

after removal of a wheel you use a torque wrench to have the correct nm seeting on the wheel, you always advise they come back agter 200miles to have it rechecked for safety reasons.

as for the claim. if your motor insurancy policy does not require information about claims of any type, dont worry about the rise in your policy. its not relevent.

as for her, 2 months is a long time, she doent have a case

(i was a service manager at citreon i had this happen before)

dc

[Cronus]

after removal of a wheel you use a torque wrench to have the correct nm seeting on the wheel, you always advise they come back agter 200miles to have it rechecked for safety reasons.

as for the claim. if your motor insurancy policy does not require information about claims of any type, dont worry about the rise in your policy. its not relevent.

as for her, 2 months is a long time, she doent have a case

(i was a service manager at citreon i had this happen before)

dc

Oh right. I don't know anything about cars or maintenance.

[Grizz]

wow, that sucks. and i bet if you tightened the sh1t out of them she'd be suing for strain while tryin to repair a flat.
i would have thought that 2 months was too far away from incident, how do they know she didnt drive into 9000 potholes since she left garage?

[Canker_Canison]

Here's a little story from my past that might help explain the need to check wheel nuts.....

Many many years ago I took over the ownership of my dad's old Vauxhall Carlton. This was on an old A plate, just so you get an Idea of the time passed.
It had stood for nearly a year on his drive, not moving an inch. I did all that was needed for it's MOT & got it on the road. During that MOT work I had to strip the front brakes, so the wheels came off. About 3 days after it started to wobble at any speed, this got worse.... I checked the front wheels & brakes... but it still had a wobble (these were checked at the roadside while on a night out).
It got worse as I drove home so I headed for my dads as it was closer. Less than half a mile from my dads the rear nearside wheel flew off & bounced down the road leaving my rear drum scraping along the road.

The rear wheels were never worked on. So, in my naive mind, didn't need checking. It was then explained to me that the changes in temperature through the year are enough to loosen wheel nuts.

On another note along the same lines....

When you have been working on a head gasket. The bolts have to checked after a given mileage, so does the tension on the cam belt. Because heat & vibration can be both your friend & enemy. Hot metal expands, cold contracts. If you can't shift a stubborn bolt you heat it with a blow torch. A hot summers day with a cool night, repeated, will cause some issues for some vehicles if not checked regularly.

This is why I have an old car. Always working on it so everything gets check over & over again.

[daithi]

well when i did my driving theory test for a bike a month ago in ireland

one of the questions asks ya how often you should check the condition of your vehicle ie oil, water level tyres barkes wheels etc and its weekly
so she should have checked it eight times and she didnt

i presume its the same setup is in england ya should check it up
so she neglecting her duties as a driver
the very same as not wiping snow off your car defrosting windows etc etc can get penalty points for it

or having an unrestrained animal in your car is illegal to

anyway hope this helps mate

[smirnoff_rules]

Agree but not enough info.
Take it you run a garage Smirnoff. If a person comes to a garage for work then WHY would a person be asked to double check it? Isn't that your job as she was a paying customer?
Did you fit it or someone else?

If you fitted it then I can't see how you can argue.

in this case the alloys were not made for that car , the studs were that tight we had to use cracker bars to release .. it was only a 206 14 with 215 60 17 wheels on , the wheels where made by dj racing and that wheel was stopped in 2001 and the car was 2005 .. thats why l said bring it back

l spoke to peugeot today and they told me that car with that reg was made with steel wheels as standard , so phoned insurance today and they said they will look into weather she had added the wheels as a custom extra .. if not she is ~~~~ed they said

[pantomime horse]

my take on this would be
1. can she prove she or someone else hadn't touched the wheelnuts in those 2 months
2. were those wheels correct spec for car
3. had she checked herself the condition of her tyres every week
4. was it correct wheelnuts that were used

1. 2. and 3. her answer would be no
end of complaint

4. probably not if car origionally came fitted with steel wheels

[Canker_Canison]

This threads a bit old. But I'd like to know if we've had a decision or resolution.

[smirnoff_rules]

well had the loss adjuster come to the garage , showed him the signs we have and took him to the tyre company on the yard she went to after me when we where closed , he told her to wait 10 minutes and he would check the car but she drove off ?

he said l had done everything right and they would challenge the claim :


a week later got a letter saying it would cost to much so they are paying her out ?

u cant win m8 .. l will end up paying more insurance because they didnt want to out lay any money on court costs .. sucks


l havnt heard a thing since xmas tho ?

[chucklor]

I was in the motor trade for 10 years, as far as liability goes it is the responsibility of the trader selling the vehicle to give a compulsory 31 days warranty regardless, after this he has no responsability for the vehicle. If the customer opts for an extended warranty then the liability now falls to the warranty company and the trader merely acts as a go between as if its still correct, he has doubled up on the warranty cost.....Another point is when you sell a vehicle the only way to cover yourself from any liability is to write across the sales invoice " In my opinion the vehicle is not fit for use on the road". I used to do this with cheap P/X,s and the people who purchased them used to be quie happy to sign once I explained the situation..