Insurance Claim

[Lazarus]

Guys,

Cars just broken down and looks like the engine may be seized up + radiator knackered.

Where do I stand with the insurance - will it cover mechanical failure of the car to an extent where it isnt viable to repair?

 

[Tom]

No.

What car is it? Sounds like its overheated, in which case the engine may be recoverable.

 

[Lazarus]

bugger!

its a Mitsubishi Spacewagon


Should I quickly get the car to the top of a steep hill and crash into something?

 

[Tom]

If the engine is junked, it would be cheaper to buy another and fit it.

They're not expensive, maybe £500, maybe cheaper, depends on the age of the vehicle.

http://cgi.ebay.co.uk/ENGINE-GEARBO...oryZ9886QQssPageNameZWDVWQQrdZ1QQcmdZViewItem

Any competant mechanic could swap an engine out. Just get it checked over first, and find the problem. If you've had a coolant leak (head gasket), then it will have overheated and you may get away with just buying a replacement cylinder head. If its lost oil and siezed, then you need a new engine.

If it isn't worth that much, then either sell it for parts, or scrap it and buy another car.

 

[throdgrain]

Typical scotch, fucking tight

 

[evzy]

If the car was new / 2/3 yrs old you might be covered under manufacturerererers warranty but if it was your own fault - i.e didnt have any water in the cooling system etc - then you might be screwed. If your car is much older then I doubt your insurance will cover it (unless you were fully comp and had an incredible insurer - which I doubt)

Repair probably is ya best option - I would be careful about wrapping it round a tree at the bottom of teh hill etc - Insurers do look into these things*...


(ask a friend of a friend of mine who is looking at a jail term currently for a false claim on a motor - tis a long story and granted involved a bit more but once they pay out its insurance fraud etc as well...)