Another oil cooler puncture

[Jojipoji]

Was only 1/8 of a mile from my house. Hit a newly formed pothole with a bulge of road sticking out. Happened in the fog and didn’t see it in time. Hopefully I can make a claim against my town, if not I guess a comprehensive claim with my ins company. Thank god for this board or else I wouldn’t have checked under my car and noticed the slow leak and might have fried my motor the next time I started it.

[RickFLM4]

Sorry to hear.

I made a claim against the state of FL for a traffic cone laying in the middle of the road that I couldn’t avoid running over and they paid the full cost of the repair. I went out of pocket rather than insurance, filed a claim with the state and waited a couple of months for them to review and reimburse. Hope the same works out for you. Good luck!

[hlothery]

Sorry to hear this. Mine was a ladder on the freeway, which also punctured my transmission cooler and radiator, all to the tune of $5100. Insurance covered it. Hope your claim is successful.

[Aaaaaaaaa]

Originally Posted by hlothery

Sorry to hear this. Mine was a ladder on the freeway, which also punctured my transmission cooler and radiator, all to the tune of $5100. Insurance covered it. Hope your claim is successful.

[jasnh]

Originally Posted by Jojipoji

Was only 1/8 of a mile from my house. Hit a newly formed pothole with a bulge of road sticking out. Happened in the fog and didn’t see it in time. Hopefully I can make a claim against my town, if not I guess a comprehensive claim with my ins company. Thank god for this board or else I wouldn’t have checked under my car and noticed the slow leak and might have fried my motor the next time I started it.

Good luck with the town claim....hope they cover it.

Regarding if you have to do an insurance claim, from my understanding if it was an object in the road that you hit, it would be considered a collision. If it was an object that hit you (flying debris, etc) then you can claim it under your comprehensive coverage. This is according to my insurance agent, when a flying tire iron hit my hood at 75 MPH 2 months after getting my car.

[Zero_Cool]

Originally Posted by jasnh

Good luck with the town claim....hope they cover it.

Regarding if you have to do an insurance claim, from my understanding if it was an object in the road that you hit, it would be considered a collision. If it was an object that hit you (flying debris, etc) then you can claim it under your comprehensive coverage. This is according to my insurance agent, when a flying tire iron hit my hood at 75 MPH 2 months after getting my car.

THIS! It's all in the way you "articulate" your claim. If the object is moving and you strike it or it caused you to collide with something else, then it's a comprehensive claim. It won't raise your rates. If the object is stationary, your at fault for whatever damage is incurred via a collision claim. Which will raise your rates. Some jack ass construction worker left a ratchet strap on an on-ramp (it was at the base of a downward sloping ramp). I didn't see it as I was focused on merging with traffic. Needless to say it damaged my wheel, tire, and some other components. USAA deemed it a collision, raising my rates, for a claim that was less than 2k. I was naïve and didn't ask what they would code the claim prior to filing it. Otherwise I would have paid out of pocket. Live and learn. Miss my Audi A4 Ultra Sport lol

[Nothing]

Originally Posted by RickFLM4

Sorry to hear.

I made a claim against the state of FL for a traffic cone laying in the middle of the road that I couldn’t avoid running over and they paid the full cost of the repair. I went out of pocket rather than insurance, filed a claim with the state and waited a couple of months for them to review and reimburse. Hope the same works out for you. Good luck!

I didn't know you could do that! Years back I had a construction barrel roll in to the only lane in a construction zone in GA. Stopped to talk to the people in the portable building and they didn't care (not surprised). If only I had known! I thought I was just SOL about holding someone accountable.

[NickyC]

Great information in this thread, thanks all!

[Chris N]

I'm so glad that I installed a Turner skid when I installed my front splitter. I hate reading these stories. I just hope nothing small bounces up into the opening.

Good luck.

[RickFLM4]

Originally Posted by Nothing

I didn't know you could do that! Years back I had a construction barrel roll in to the only lane in a construction zone in GA. Stopped to talk to the people in the portable building and they didn't care (not surprised). If only I had known! I thought I was just SOL about holding someone accountable.

I thought it was a long shot when I tried it and had to follow up a few times, but I got reimbursed in full. It was a toll road and nighttime after a college football game. Traffic was moderately heavy but moving 50+ mph. Car in front of me was a minivan I couldn't see around and it ran over the cone. I had cars on both sides of me and a car behind me. Nowhere to go. (I was fortunate the oil cooler got mangled but didn't leak as I was an hour away from home. I didn't even realize the oil cooler was damaged until I took it in to get checked.). I described that + got pics of damage from dealer that I submitted with a form. Only took a few minutes to submit and the few follow ups and they sent me a check no questions asked. While it seemed like a long shot, it was definitely worth trying in this case.

[Dr. Who]

Hey,

Sorry to hear!

Horror stories abound so I had this installed from the get go!:



Drive safe.


Cheers!

[dkhm3]

hey didn't you have a w205 c63? didn't keep it very long?

[adc]

Originally Posted by Dr. Who

Hey,

Sorry to hear!

Horror stories abound so I had this installed from the get go!:



Drive safe.


Cheers!

Where did you get that?

I ran over a sharp curb, completely my fault, and it damaged the oil cooler (no leaks, just dented the fins). I’m thinking I should be proactive in the future...

[sosheal]

Originally Posted by adc

Where did you get that?

I ran over a sharp curb, completely my fault, and it damaged the oil cooler (no leaks, just dented the fins). I’m thinking I should be proactive in the future...

Don't know where Dr Who got his/hers, but Turner Motorsports or ECS Tuning have them (search for "skid plate").

[rexb16]

Wow, I really learned something new and useful today!

[Dr. Who]

Originally Posted by adc

Where did you get that?

I ran over a sharp curb, completely my fault, and it damaged the oil cooler (no leaks, just dented the fins). I’m thinking I should be proactive in the future...

Originally Posted by sosheal

Don't know where Dr Who got his/hers, but Turner Motorsports or ECS Tuning have them (search for "skid plate").

Hey,

mine is manufactured/milled from aluminum with excellent TIG welds by "Fall Line Motorsports", in the USA.

I got it from "Ind-Distribution". It's a little pricier, but the "Turner/ECS" model has large open areas and a lot
of unions and rivets which, in and of themselves, could be points of failure and potentially add to the hazard.

Remember, you're purchasing this for a specific reason. It's insurance, all paid for up front, so don't chintz here.

"Ind." has sales periodically (-> 11%) so keep a look out or contact Nate directly and he would be more than
willing to work (12~15%) with you.


Cheers!

[Jojipoji]

Originally Posted by dkhm3

hey didn't you have a w205 c63? didn't keep it very long?

hey! yessir.

Long story but here it goes. I have 2 kids (3-6) last year. My Nanny's car broke. Gave her my truck and I needed something for winter and the maintenance was ridiculous in the w205 -cost me 2k plus was going to be another 3k for brakes (all in 20k miles). I traded it in for an audi. After another year of driving my little one got into full time pre-k. decided to trade the audi for a mt m3.

tdlr
needed awd so sold w205 for audi, didnt need awd anymore so decided to do a mt6 f80.

I miss the v8 but besides that the mt6 is so much more engaging.

[dkhm3]

Originally Posted by Jojipoji

hey! yessir.

Long story but here it goes. I have 2 kids (3-6) last year. My Nanny's car broke. Gave her my truck and I needed something for winter and the maintenance was ridiculous in the w205 -cost me 2k plus was going to be another 3k for brakes (all in 20k miles). I traded it in for an audi. After another year of driving my little one got into full time pre-k. decided to trade the audi for a mt m3.

tdlr
needed awd so sold w205 for audi, didnt need awd anymore so decided to do a mt6 f80.

I miss the v8 but besides that the mt6 is so much more engaging.

that's a lot of money for 20k miles.

3.5 years, 33k miles in on my '15 and i've only spent money on tires, lots of them

[Jojipoji]

Originally Posted by dkhm3

that's a lot of money for 20k miles.

3.5 years, 33k miles in on my '15 and i've only spent money on tires, lots of them

LOL damn you. Man, my automotive adhd is killing my wallet. If you could throw the v8 biturbo on the m3 chasis with a stick, itd be the best car under 125k without doubt.

[ImGoingPlaces]

same shit happened to me, except mine was just bent and not leaking, a week before it was scheduled to sell no less, had no choice but to do the right thing and get it repaired, $600 though, not $800-1000 like some of these people paid

[jninja]

Originally Posted by Jojipoji

LOL damn you. Man, my automotive adhd is killing my wallet. If you could throw the v8 biturbo on the m3 chasis with a stick, itd be the best car under 125k without doubt.

I'm sure you could. Right?