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Insurance will pay! (archive)

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Posted by John B on November 14, 1998 at 09:58:05:

In Reply to: Re: Water Damage to Computer, insurance(long) posted by John on November 12, 1998 at 19:34:38:

My insurance will pay the replacement cost of the computer and the programming. I still have to pay the deductable. But your right in that BMW is not free from blame as they are aware of the problem and have a way to hopefully prevent it (the drilling of the holes).

: : 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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