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Re: Water Damage to Computer, insurance(long) (archive)

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Posted by John on November 12, 1998 at 19:34:38:

In Reply to: Re: Water Damage to Computer, insurance posted by 1 on November 11, 1998 at 21:36:49:

: Your comprehensive insurance should cover this. It's storm damage, just as if a tree had fallen on the car.

I think that would be a very long shot. There is a concept in law (and insurance) of "inherent defect", for which insurance policies routinely exempt coverage. If you had a contractor put a roof on your house and it leaked because they did an unworkmanlike job, it is the insurance of the contractor that would come into play.

Virtually all cars have computers, yet you never hear of water damage or condensation frying them. Why? Because they were designed properly. If this was a recurring event on this model BMW, then it certainly was an inherent defect. I sure wouldn't want my insurance premiums to reflect the payment of claims which resulted from bad design.

BMW ought to cough up--whether or not there is a warranty in effect. GM replaced power steering on hundreds of thousands of vehicles because of a design error--I owned one (gasp). GM replaced the defective parts at no cost to me even though my car was 4 years old and had 50,000 miles on it.

Shouldn't BMW do as much?

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