My mechanic burned my disco.. omg
Rock Crawling
Joined: Feb 2009
Posts: 293
Likes: 1
From: New Bern NC
that is really too bad, do you have anything showing the condition before the fire? That may help if there is litigation. I have liability only on mine too, I might rethink that now! I would definitely try to buy it back, now that there is nothing to lose, you could probably make a really awesome off road vehicle. I would scrap all the wiring I could. these things have way too much computer.
Winching
Joined: Jul 2007
Posts: 504
Likes: 58
From: Richmond, VA
Bottom line:
You should be out zero money for this situation. You brought your vehicle to a mechanic to have the engine overhauled and your mechanic is accountable for making you whole and ensuring that you are not out any money. That means that you should consider yourself as owning a Discovery in need of an engine overhaul. Ethically, you should only expect to be compensated for the value of the same. If you're able to pay off your note at the end of this, consider yourself lucky.
1.) Start by filing a claim with your mechanic's insurance company for the fire damage and see what they do. I'm 99.9% sure they'll total it, especially because the engine work will need to be finished before it's driveable. I suspect that they will not consider the engine condition and will simply assess the value of a 2003 Discovery as if it were running fine.
2.) Technically, you would still owe the mechanic the value of any work completed to that point because the insurance company will be reimbursing you for the value of a running Discovery, which you did not have.
3.) Push the mechanic to not charge you a dime for his work so far because he caused you considerable inconvenience, but consider reimbursing him for the cost of any parts he's actually incurred.
At the end of the day, you did not have a running/driveable vehicle when you brought it to the mechanic and so in my opinion, you should consider that fact ethically and not try to get more back than you started with. I also believe that ethically the mechanic should expect nothing for his time in working on it so far but should expect payment for any parts he's put into the engine. So that's a reasonable baseline. Now, if that mechanic goes out of his way to make you completely whole and you end up being able to keep the insurance proceeds entirely, tell who it is because that's one shop I would do business with.
Dave
You should be out zero money for this situation. You brought your vehicle to a mechanic to have the engine overhauled and your mechanic is accountable for making you whole and ensuring that you are not out any money. That means that you should consider yourself as owning a Discovery in need of an engine overhaul. Ethically, you should only expect to be compensated for the value of the same. If you're able to pay off your note at the end of this, consider yourself lucky.
1.) Start by filing a claim with your mechanic's insurance company for the fire damage and see what they do. I'm 99.9% sure they'll total it, especially because the engine work will need to be finished before it's driveable. I suspect that they will not consider the engine condition and will simply assess the value of a 2003 Discovery as if it were running fine.
2.) Technically, you would still owe the mechanic the value of any work completed to that point because the insurance company will be reimbursing you for the value of a running Discovery, which you did not have.
3.) Push the mechanic to not charge you a dime for his work so far because he caused you considerable inconvenience, but consider reimbursing him for the cost of any parts he's actually incurred.
At the end of the day, you did not have a running/driveable vehicle when you brought it to the mechanic and so in my opinion, you should consider that fact ethically and not try to get more back than you started with. I also believe that ethically the mechanic should expect nothing for his time in working on it so far but should expect payment for any parts he's put into the engine. So that's a reasonable baseline. Now, if that mechanic goes out of his way to make you completely whole and you end up being able to keep the insurance proceeds entirely, tell who it is because that's one shop I would do business with.
Dave
drink the kool-aid, man...
drink the kool-aid
Thread Starter
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Winching
Joined: Apr 2009
Posts: 561
Likes: 4
From: Port Huron, MI
whoa boys hold up.
i paid cash for this truck 4 months ago.
its a cheap care and i've had problems with it since i bought it. the engine was rebuilt once already 2 months ago by my mechanic. the engine had a tick nothing else... the engine still had a tick before the fire. i could have drivin it anywhere i wanted to, not very long but still the car ran fine.
HE BURNT MY TRUCK........ on his property, under his supervision, on his time...i'm sorry buy i'm not paying a dime or losing anything.
if they dont total the truck i'll sue him, not it small claims.
6900 for the truck and 6200 for the shoty engine rebuilds by his workmen ship that caused the fire!!! anything less wont cover my losses.
if they total it, i'll sell the new engine thats sitting next to the truck clean what i can and sell off the parts ( front end. etc)
i paid cash for this truck 4 months ago.
its a cheap care and i've had problems with it since i bought it. the engine was rebuilt once already 2 months ago by my mechanic. the engine had a tick nothing else... the engine still had a tick before the fire. i could have drivin it anywhere i wanted to, not very long but still the car ran fine.
HE BURNT MY TRUCK........ on his property, under his supervision, on his time...i'm sorry buy i'm not paying a dime or losing anything.
if they dont total the truck i'll sue him, not it small claims.
6900 for the truck and 6200 for the shoty engine rebuilds by his workmen ship that caused the fire!!! anything less wont cover my losses.
if they total it, i'll sell the new engine thats sitting next to the truck clean what i can and sell off the parts ( front end. etc)
Three Wheeling
Joined: Sep 2009
Posts: 78
Likes: 0
From: Augusta Ga
.HAD YOU had full coverage they would have given you full replacement value.
Not on this planet,we're talking adout insurance companies.
Insurance companies will tell you not to have full coverage on vehicles over 8 years old.
Not on this planet,we're talking adout insurance companies.
Insurance companies will tell you not to have full coverage on vehicles over 8 years old.
Last edited by Eurotrash; Sep 21, 2009 at 06:12 PM.
I dont even see why your insurance company even comes into play, so I think thats your best move. He pays or you sue. Hopefully you wont have to sue, but if you do you'll win that case hands down.