Requesting Assistance - Wrangler w/ 37,000K miles Blew a Rod for No Apparent Reason - Page 3 - JeepForum.com
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Unread 04-09-2013, 05:23 AM   #31
Prot
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Quote:
Originally Posted by JeepTrouble
Hmmm. Food for thought. I have been in contact with my insurance and they had a mechanic do their own diagnostic. They have been a bit hedgy about it all, but they are suggesting that it wouldn't be able to be claimed since there wasn't any collision. Heaven forbid that I safely get of the Los Angeles 405 in 9:00 AM traffic when my vehicle goes from 55mph to 10 in a few seconds.

They keep asking me with "Chrysler" has determined..."What is their opinion?", etc. Are they waiting to see what Chrysler will do to see if they don't have to fulfill a claim? Maybe I need to look over my claim more carefully. But I don't know if I would trust them as much as Chrysler? Or would they be required to use a dealership?

He also told me it might increase my premium...although that may no sense to me sense I wasn't at fault with the engine failure and didn't hit anything or anyone. I can't afford a rental car, even at the discounted price, for more than a few days a week. Their process might start all over from scratch. I will call my agent tomorrow just to see what's up.
While I am sympathetic to your situation, trying to file an insurance claim for engine failure is outrageous. Had you bought a third party warranty, then filing a claim with them would be normal. You didn't. You bought an insurance policy that covers damages caused by wrecking.

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Unread 04-09-2013, 09:07 AM   #32
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While I am sympathetic to your situation, trying to file an insurance claim for engine failure is outrageous. Had you bought a third party warranty, then filing a claim with them would be normal. You didn't. You bought an insurance policy that covers damages caused by wrecking.
You can claim it under yoru auto insurance,some have already done it on this forum when they blew there engines.It does not get claimed under the collision part.One stands out in my mind when he only had his JK for 2 weeks and went puddle jumping,tried to scam Chrysler when he went to fast through a dep puddle and hydro locked the engine.He would have gotton away with it but he posted a vid of it on youtube and the service manager saw it.
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Unread 04-09-2013, 10:07 AM   #33
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The insurance company isn't going to offer to pay anything if there's a chance someone else will. If you file a claim, whether it's your fault or not, it can impact your premium.
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Unread 04-09-2013, 10:54 AM   #34
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I'm confused. The OP's engine spun a bearing and you think it will be covered under the auto policy?
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Unread 04-09-2013, 10:58 AM   #35
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I'm confused. The OP's engine spun a bearing and you think it will be covered under the auto policy?
Must be one expensive auto policy

I have never heard of that one, either
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Unread 04-09-2013, 11:02 AM   #36
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I've heard of insurance covering hydrolocked engines, but not regular old failures.
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Unread 04-09-2013, 11:11 AM   #37
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I've heard of insurance covering hydrolocked engines, but not regular old failures.
What's the difference? The end result is the same.
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Unread 04-09-2013, 11:16 AM   #38
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What's the difference? The end result is the same.
Insurance fraud.
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Unread 04-09-2013, 11:19 AM   #39
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Insurance fraud.
How? If both took place on the road,and in the case of the OP he still had plenty of oil so it was not totally owner neglect(some) but a driver hitting a big puddle and hydrolocking the engine is 100% owner fault.

So why is the 100% owner fault hydrolock covered by insurance but not a spun bearing?
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Unread 04-09-2013, 11:22 AM   #40
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Call your agent or pull the policy. A mechanical policy offered by some insurance companies would cover it, but standard ins. policies won't cover an engine mechanical unless it was caused by an accident or flood.
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Unread 04-09-2013, 11:52 AM   #41
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Call your agent or pull the policy. A mechanical policy offered by some insurance companies would cover it, but standard ins. policies won't cover an engine mechanical unless it was caused by an accident or flood.
Mine does and it's the standard policy but mechanical is standard part of all there policies.
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Unread 04-09-2013, 12:25 PM   #42
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What insurance company?
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Unread 04-09-2013, 12:55 PM   #43
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I'm confused. The OP's engine spun a bearing and you think it will be covered under the auto policy?
As mentioned, it depends on the company and policy. But the fact that they didn't laugh him off the phone when he asked suggests that it may be covered.
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Unread 04-09-2013, 02:34 PM   #44
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Lee-
I am still trying to send you a reply message but I am getting an error stating your private message storage is too full. I really want to send you a reply.

Have you cleared out your IM box?
Lee is trying to get in touch with you...
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Unread 04-09-2013, 10:38 PM   #45
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Wow. I had no idea how much "controversy" some of this would stir. I am a SHE by the way. Here is the skinny for many of you have a judgemental tendency rather than a helpful one:

I'm not committing insurance fraud, I am simply responding to my own agent's requests from Chrysler and made a comment in response to another person's post. I took great care of my Jeep. I changed the oil and properly maintained it very well, as "Chrysler" has themselves attested to. My Jeep is six years old but it is not driven as normal drivers would because I have a severe and painful chronic illness that limits my mobility. I can't "charge" the engine fix because I have no credit cards after having to get rid of them all due to very limited income.

Now, if you want to make comments on my Jeep, the engine, etc please feel free to do so. But don't any of you dare to make personal comments about me or judge me and my circumstances. I came here to seek help which I gratefully found in many people. The rest of you can go elsewhere if you intend to take jabs at my person or someone else who is taking the time to assist me in a situation that has me freaking out because I love my Jeep and want to keep it AND has caused a flare-up in my illness which is causing me a great deal of pain.

I have cleaned out my inbox but I am unsure what you mean by IM box. I will try to find that and do what I can.

Again, thank you to everyone who has been kind and helpful, even those playing a sort of devil's advocate role against some of my questions as they have greatly helped me as well.
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engine failure , engine replacement , jk , warranty questions , wrangler

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