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Thread: Covered by insurance????

  1. #1

    Default Covered by insurance????

    So I had a fuel pump valve stick last winter when it was 28 degrees below zero. Tow truck caused some small stress cracks above the windows behind the front doors. Signed a waiver and my insurance is a thousand deductible so thought I'd live with it. Well the cracks are growing so I tried bondoing one only to find it was more than body filler, the cracks are in the welds where the side panels attach to the roof.

    Talked to my insurance agent who says maybe it will be covered. Told him I didnt say maybe I'll pay you when he sent me the bill.

    Anyone have experience with this kind of thing?
    Last edited by excaliberlimo; October 24th, 2016 at 05:30 PM. Reason: mistake

  2. #2

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    How old is the vehicle and what make? I assume it's a stretch, and if just a few years old, the builder should back it up.

  3. #3

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    Quote Originally Posted by atikovi View Post
    How old is the vehicle and what make? I assume it's a stretch, and if just a few years old, the builder should back it up.
    2015 Springfield Coach Yukon 200" Already told them it was towed. Figured they would know it didnt just happen by itself.

    Policy has an exclusion for being moved by a mechanical device unless vehicle is attached. Seems a tow truck is pretty well attached.

    My agent says I should sue the tow company because waivers are not legal, told him pay my claim and you sue, National Indemnity has plenty of lawyers.

    Also something about promtly notifying them, which I did once I realized there was structural damage not just bondo cracks.

    Did talk to the state Ins. Comm. they agree it should be covered under comp. so maybe they can help.

    Sure makes me mad that you pay thousands for insurance and then they try to get out of paying. Might as well be self insured.
    Last edited by excaliberlimo; October 24th, 2016 at 11:11 PM.

  4. #4

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    I'm surprised the tow company actually towed the car. I have a 120" LTC and needed towing twice and both times the tow company wouldn't tow it and would only put it on a flat bed trailer.

  5. #5

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    Quote Originally Posted by LGAL View Post
    I'm surprised the tow company actually towed the car. I have a 120" LTC and needed towing twice and both times the tow company wouldn't tow it and would only put it on a flat bed trailer.
    Was out in the middle of nowhere in northern Minnesota at a Indian casino, not alot of choices.

  6. #6
    Senior Member
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    I had a Chrysler 300, and it developed cracks back then, then I realized many Chrysler 300 were just waiting for this to happen regardless. I am not sure if this is a fault on the towing company, but more less it is a fault how this vehicle was made. I have never seen such cracks on Lincoln stretch including the SUV. with GM, it is just going to happen I assume based on what I have seen...

    ~Dee

  7. #7

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    Quote Originally Posted by excaliberlimo View Post

    Talked to my insurance agent who says maybe it will be covered. Told him I didnt say maybe I'll pay you when he sent me the bill.

    Anyone have experience with this kind of thing?

    A good insurance agent should never say that something like "maybe it will be covered". Its one of the misleading things.

  8. #8
    Senior Member Excalibur Limousine's Avatar
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    Here is what I have found out from the bodyshop I deal with regarding these cracks, if your limousine is picked up with a wheel lift on the tow truck it makes no difference on the structural load of the limousine causing stress cracks. These cracks are the fault of the builder and the additional stresses placed on the weld/cut points of the stretch. The twisting of the chassis when operating over irregular services and while turning will find the weakest point in stretch and this will be at the weld/cut points.
    Excalibur Limousine Service
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    Ford Excursion 140" Stretch - Krystal & ECB
    Ford E450 Limo Coach - Krystal KK28
    Ford F550 Limo Coach - Krystal KK33

  9. #9

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    So you are saying the tow truck could not have done this damage? I wash it myself and know there were no cracks until it was towed. My wife and I followed it down the highway for 35 miles and watched it bounce around, once it bounced so hard we thought it broke loose, both of us screamed and I hit my brakes. Dont see how this could not cause the cracks, especially since they were not there till it was towed. Too much of a coincidence.

    The tow truck lifts both wheels with one centered arm, so the vehicle will twist from side to side when it hits a bump. This bumping and twisting was way, way more than it would ever do with all four wheels on the ground.

    As for fault of the builder, it wasnt built to be towed.
    Last edited by excaliberlimo; November 14th, 2016 at 05:31 PM.

  10. #10
    Senior Member Excalibur Limousine's Avatar
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    Not meaning to get into a heated battle with this, just sharing how it was explained and shown to me by my body shop guys. He had put it up on a 4 wheel lift hoist and showed me how and where the car was going to flex while riding on all four wheels and suspension no matter how the front wheels were supported. It made and still does make sense to me. Just my opinion and views here.
    If your tow truck driver was driving like his ass was on fire, than I can believe he subjected your stretch to additional stress and/or damage.
    If this was the case, go after the tow company and make them pay for the repairs on it. It won't be a small job repair all the stress cracks, seen and unseen.
    Excalibur Limousine Service
    'Delivering on Service'

    Lincoln TC Exec L
    Ford Expedition
    Lincoln TC 85" Stretch - Krystal 85R3
    Lincoln TC 120" Super Stretch - Krystal 120V5 & ECB
    Ford Excursion 140" Stretch - Krystal & ECB
    Ford E450 Limo Coach - Krystal KK28
    Ford F550 Limo Coach - Krystal KK33

  11. #11

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    I'm wondering if it would be possible to pull a limo with a towbar so all wheels stay on the ground. I'm going to investigate that.

  12. #12
    Senior Member Party Bus Andy's Avatar
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    A tow truck is not nearly as hard on a stretch as the body flex from pulling into a steep parking lot driveway apron where one front spring gets fully compressed and the other is fully expanded. There are a lot of parking lots in my area that way. If your stretch was lifted by the bumper in a sling and chained by the frame to the tow truck then the you could have excessive body flex caused by the truck. When lifted by the wheels the wheels and suspension will relate to the steel the same as they do the pavement except that the wheels are not rolling. The limo was supported by its suspension and the rear suspension should have the same amount of give as it normally would so that the body flex is minimal.

    If the tow operator was driving carelessly and making the ride excessively rough, as you say, I would hold them accountable. I have had limousines towed by a careful operator and had no problems.

    I wish you luck, please keep us posted.
    Andy
    937-620-9120
    937-524-5899 (office)
    Dunlap Limousine, LLC
    http://www.dunlaplimo.com

  13. #13

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    Some more details:

    The tow truck was one of those Kenworth semi haulers like on that reality TV show. He said he was gonna drive 30MPH but after a few minutes he sped up to 50.

    The limo leaned way over when he pulled out of the parking lot, I'm thinking close to 45 degrees, thought it was gonna roll. Think he got too close to the ditch.

    The calking split open on one window, thought no big deal till I realized the window had shifted
    1/8"

    And of course the big bouncing/rocking I talked about earlier. My limo has never leaned, bounced or rocked anywhere near what it did behind that truck. I am the only driver and I drive it like a little old lady.
    I know it's supposed to be OK to tow a limo with a cradle wheel lift, but doubt if any coachbuilder would be OK with it, especially a 200" for 35 miles.


    Also the seams that split are are bonded fiberglass, the sides are aluminum, roof is steel so no welding.

  14. #14

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    UPDATE: Limo is repaired. Body guy said the roof and walls are fastened to the framework, but the roof to wall seam is bonded fiberglass due to using a steel roof and aluminum sides. He says extreme flexing is the cause. The adjuster agreed to the bodyshop estimate, check from the insurance company is in the mail.

  15. #15
    Senior Member Party Bus Andy's Avatar
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    Good to hear! Did the body shop guy say that it was for sure the wrecker caused it or is this going to be a recurring issue for you that is caused by normal driving?
    Andy
    937-620-9120
    937-524-5899 (office)
    Dunlap Limousine, LLC
    http://www.dunlaplimo.com

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