Need Help with Mercury Insurance claim
Thread Starter
Junior Member
Joined: Sep 2007
Posts: 56
Likes: 0
2002 C32 AMG
Need Help with Mercury Insurance claim
I recently brought my 02 C32 to the dealer to get the seat heaters fixed. Both of the lower heaters went out. The dealer determined that both seat heaters needed to be replaced. The seat heater elements are bonded to the inside of the leather cover on the C32. In order to fix them, the bottom seat cover assembly needs to be replaced.
I currently have a Platinum extended warranty through Mercury Insurance. Mercury is denying the claim for the seat heaters. They are arguing that the insurance coverage does not cover upholstery. I can understand this rule since upholstery is typically a wear item. I am making a claim for the seat heaters and not the upholstery. I am just unlucky that Mercedes chose to combine the two.
I feel that Mercury is using a loop-hole to deny coverage. I am looking for help from any of the forum members. First, does anyone know the legal process to follow to seek arbitration for this denial of coverage? Secondly, has anyone made a similar claim with Mercury and had it covered? If I can give them a claim number for a similar claim that they covered, it might give me additional leverage to fight my case.
Lastly, does anyone know of any other Mercedes models that have similar heater construction that has this issue? I hate to cross post but would love to find precedence.
Thanks for your help!
Chuck
I currently have a Platinum extended warranty through Mercury Insurance. Mercury is denying the claim for the seat heaters. They are arguing that the insurance coverage does not cover upholstery. I can understand this rule since upholstery is typically a wear item. I am making a claim for the seat heaters and not the upholstery. I am just unlucky that Mercedes chose to combine the two.
I feel that Mercury is using a loop-hole to deny coverage. I am looking for help from any of the forum members. First, does anyone know the legal process to follow to seek arbitration for this denial of coverage? Secondly, has anyone made a similar claim with Mercury and had it covered? If I can give them a claim number for a similar claim that they covered, it might give me additional leverage to fight my case.
Lastly, does anyone know of any other Mercedes models that have similar heater construction that has this issue? I hate to cross post but would love to find precedence.
Thanks for your help!
Chuck
Member
Joined: Aug 2007
Posts: 120
Likes: 3
C55
Your service advisor needs to talk to them and tell them that the only way to fix the heating element is to replace the entire seat bottom AND that the existing seat bottom is in perefect condition. They are really the ones who will "fight" for you. (They really shouldn't have to though... its a bunch of extra crap you have to deal with now)
This just goes to show how these "easy to get extended warranty coverage" companies work, they are obviously not on your side in this case. This is why it is important to talk to your SA and get their preference as to who is good to work with and who isn't, BEFORE buying any extended warranty. Also read the fine print that is hard to read on the back side of your contract, you'll see a bunch of things in there that they can use against you.
This just goes to show how these "easy to get extended warranty coverage" companies work, they are obviously not on your side in this case. This is why it is important to talk to your SA and get their preference as to who is good to work with and who isn't, BEFORE buying any extended warranty. Also read the fine print that is hard to read on the back side of your contract, you'll see a bunch of things in there that they can use against you.
Member
Joined: Dec 2005
Posts: 182
Likes: 2
From: Buford, GA
2016 C63S,2013 C63 AMG Coupe, 2002 C32 AMG (gone but not forgotten)
I recently brought my 02 C32 to the dealer to get the seat heaters fixed. Both of the lower heaters went out. The dealer determined that both seat heaters needed to be replaced. The seat heater elements are bonded to the inside of the leather cover on the C32. In order to fix them, the bottom seat cover assembly needs to be replaced.
I currently have a Platinum extended warranty through Mercury Insurance. Mercury is denying the claim for the seat heaters. They are arguing that the insurance coverage does not cover upholstery. I can understand this rule since upholstery is typically a wear item. I am making a claim for the seat heaters and not the upholstery. I am just unlucky that Mercedes chose to combine the two.
I feel that Mercury is using a loop-hole to deny coverage. I am looking for help from any of the forum members. First, does anyone know the legal process to follow to seek arbitration for this denial of coverage? Secondly, has anyone made a similar claim with Mercury and had it covered? If I can give them a claim number for a similar claim that they covered, it might give me additional leverage to fight my case.
Lastly, does anyone know of any other Mercedes models that have similar heater construction that has this issue? I hate to cross post but would love to find precedence.
Thanks for your help!
Chuck
I currently have a Platinum extended warranty through Mercury Insurance. Mercury is denying the claim for the seat heaters. They are arguing that the insurance coverage does not cover upholstery. I can understand this rule since upholstery is typically a wear item. I am making a claim for the seat heaters and not the upholstery. I am just unlucky that Mercedes chose to combine the two.
I feel that Mercury is using a loop-hole to deny coverage. I am looking for help from any of the forum members. First, does anyone know the legal process to follow to seek arbitration for this denial of coverage? Secondly, has anyone made a similar claim with Mercury and had it covered? If I can give them a claim number for a similar claim that they covered, it might give me additional leverage to fight my case.
Lastly, does anyone know of any other Mercedes models that have similar heater construction that has this issue? I hate to cross post but would love to find precedence.
Thanks for your help!
Chuck
Ok, second attempt at posting this...didn't work first time..
Anyway, I have:
The same car
The same warranty
They replaced the bottom seat heater, no questions asked. The heating element is considered an electrical part that is covered by the warranty. It's not your fault that the part is attached to the seat cushion. Do not let them weasel out of it.
Thread Starter
Junior Member
Joined: Sep 2007
Posts: 56
Likes: 0
2002 C32 AMG
Can you please PM me or email me any info from your claim. Claim number, VIN number etc. Anything they can use to look up the claim. It would help me greatly.
Thanks!!!!!
Chuck
chuckactor at gmail dot com
Thanks!!!!!
Chuck
chuckactor at gmail dot com
