2010 S400 Gas Engine Locked up. Please help !! I need info on engine type
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From: Vancouver, BC
CLS55 AMG
i don't think OP's own insurance policy would provide any coverage under the comprehensive portion of the policy. Typical wording for a comprehensive policy is as follows:
"comprehensive coverage means coverage for loss or damage other than loss or
damage to which collision coverage applies and includes coverage for loss or
damage caused by missiles, falling or flying objects, lightning, fire, theft or attempted
theft, earthquake, windstorm, hail, rising water, malicious mischief, riot or civil
commotion or the stranding, sinking, burning, derailment, upset or collision of a
conveyance in or on which a vehicle is being transported on land or water, vandalism
and impact with a domestic or wild animal, either living or dead;"
"comprehensive coverage means coverage for loss or damage other than loss or
damage to which collision coverage applies and includes coverage for loss or
damage caused by missiles, falling or flying objects, lightning, fire, theft or attempted
theft, earthquake, windstorm, hail, rising water, malicious mischief, riot or civil
commotion or the stranding, sinking, burning, derailment, upset or collision of a
conveyance in or on which a vehicle is being transported on land or water, vandalism
and impact with a domestic or wild animal, either living or dead;"
MBWorld Fanatic!
Joined: Mar 2008
Posts: 1,230
Likes: 32
From: Vancouver, BC
CLS55 AMG
typical exclusion wording:
Own Damage Coverage does
not cover loss or damage:
- to tires, unless the loss or damage is caused by fire, theft, or malicious mischief,
or is coincidental with other loss or damage;
- to any part of the vehicle resulting from mechanical breakdown, rust, corrosion,
wear and tear, explosion within the combustion chamber, or freezing, unless
caused by fire, theft, malicious mischief or coincidental with other loss or
damage;
- consisting of mechanical or physical failure of the vehicle or any part of it;
Own Damage Coverage does
not cover loss or damage:
- to tires, unless the loss or damage is caused by fire, theft, or malicious mischief,
or is coincidental with other loss or damage;
- to any part of the vehicle resulting from mechanical breakdown, rust, corrosion,
wear and tear, explosion within the combustion chamber, or freezing, unless
caused by fire, theft, malicious mischief or coincidental with other loss or
damage;
- consisting of mechanical or physical failure of the vehicle or any part of it;
Thread Starter
Member
Joined: Feb 2004
Posts: 207
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From: Houston, TX
MY2004 E320
SOLD!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Welcome S550
Okay Friends.........Bloody rebuilt engine had a "shake" that was driving me NUTS. Some balancing issue that 3 shops could not figure out.
Finally I broke down, took a gigantic loss and traded it in on a 2013 S550 last night. Obsidian black with beige interior - P2 and AMG Sport PLUS ONE package.
I am not very happy losing money but Mercedes HYBRID is in my PAST now!!!!!
Finally I broke down, took a gigantic loss and traded it in on a 2013 S550 last night. Obsidian black with beige interior - P2 and AMG Sport PLUS ONE package.
I am not very happy losing money but Mercedes HYBRID is in my PAST now!!!!!
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MBWorld Fanatic!
Joined: May 2008
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2016 C300
Originally Posted by xpl0sive
i don't think OP's own insurance policy would provide any coverage under the comprehensive portion of the policy. Typical wording for a comprehensive policy is as follows:
"comprehensive coverage means coverage for loss or damage other than loss or
damage to which collision coverage applies and includes coverage for loss or
damage caused by missiles, falling or flying objects, lightning, fire, theft or attempted
theft, earthquake, windstorm, hail, rising water, malicious mischief, riot or civil
commotion or the stranding, sinking, burning, derailment, upset or collision of a
conveyance in or on which a vehicle is being transported on land or water, vandalism
and impact with a domestic or wild animal, either living or dead;"
"comprehensive coverage means coverage for loss or damage other than loss or
damage to which collision coverage applies and includes coverage for loss or
damage caused by missiles, falling or flying objects, lightning, fire, theft or attempted
theft, earthquake, windstorm, hail, rising water, malicious mischief, riot or civil
commotion or the stranding, sinking, burning, derailment, upset or collision of a
conveyance in or on which a vehicle is being transported on land or water, vandalism
and impact with a domestic or wild animal, either living or dead;"
Some stuff we covered was diesel fuel introduced into a gas engine, an engine seized when a Jiffylube forgot a drain plug, and a car a teen age girl drove on the bare rims to avoid stopping at night in a bad neighborhood.
As long as the car has comp, any damage, including mechanical damage, that was caused by a sudden, accidental event (not normal wear and not a mechanical breakdown) there may be coverage.
In this guys case, someone drained the engine and forgot to refill it. We'd pay that and then go back against the shops garage keepers liability insurance for the replacement engine. Insurance carriers are usually members of binding arbitration so no lawsuits or anything. Just mail the claim and evidence to the arb board, a 3 member panel hears the case and issues a verdict.
Last edited by Mike5215; Mar 9, 2016 at 10:05 PM.
Member
Joined: Nov 2007
Posts: 204
Likes: 18
From: Connecticut
2018 E400 Coupe | 2021 Volvo XC40 Recharge
I know the OP didn't use your advice but that's a good thing to know about. The insurance company has way more leverage than the average consumer.
I had an occasion where an electric Water heater catastrophically failed prematurely, my homeowners insurer eventually returned my deductible after successfully pursuing the manufacturer.
I had an occasion where an electric Water heater catastrophically failed prematurely, my homeowners insurer eventually returned my deductible after successfully pursuing the manufacturer.
Last edited by MrRat; Mar 15, 2016 at 04:20 PM.
