Window smashed by vandalism, leather seat damaged

sinopath · 11-10-2020, 09:30 PM

Last night lots of cars in the parkade was broken in. My car looks like this. Although I was careful removing the glass, the lower half still fell inside. After vacuuming, I found multiple cuts to the merino leather. Will the insurance likely fix the seat? I'm very pissed, I always take good care of the leather, just bought a Swissvax leather kit last weekend.

luv2learn · 11-10-2020, 09:37 PM

Quote:

Originally Posted by sinopath

Last night lots of cars in the parkade was broken in. My car looks like this. Although I was careful removing the glass, the lower half still fell inside. After vacuuming, I found multiple cuts to the merino leather. Will the insurance likely fix the seat? I'm very pissed, I always take good care of the leather, just bought a Swissvax leather kit last weekend.

Totally sucks, hate to see this... I can only imagine. Sorry! I hope the insurance would take care of the leather rip.

WASHDCdriver · 11-11-2020, 10:48 AM

I hate to see this - sorry it happened to you and hope they catch who did it.

COKen · 11-11-2020, 11:37 AM

Quote:

Originally Posted by sinopath

Will the insurance likely fix the seat?

I would hope they would, but your insurance company is the best place to ask that question. No one on the forums have any idea what type of insurance you have or what the tiny print say, so they can't answer your question.

sinopath · 11-11-2020, 01:05 PM

Quote:

Originally Posted by COKen

I would hope they would, but your insurance company is the best place to ask that question. No one on the forums have any idea what type of insurance you have or what the tiny print say, so they can't answer your question.

I know, I'm here to seek comfort. If anyone had their insurance repair/replace the seat for a glass claim before, it means there is precedence.

jmack · 11-11-2020, 01:23 PM

I don't know the insurance types in Canada, but in the US if you have comprehensive insurance they will cover any damage due to vandalism (after you pay your deductible).

natesi · 11-12-2020, 04:21 PM

Did you not have tinted windows? I think that usually helps keep the glass from shattering all over. It also helps to keep prying eyes out of your car -- although the first thing to do, to avoid a break-in, is to make it look like there's nothing in there in the first place.

BimR · 11-12-2020, 07:31 PM

File a police report and insurance will cover it. If you had cameras in the garage, that's all the evidence they need. Friend had someone scratch his car up overnight. They saw on camera someone doing it (not who) to a bunch of cars and covered fixing.

tex2670 · 11-13-2020, 09:13 AM

Quote:

Originally Posted by sinopath

I know, I'm here to seek comfort. If anyone had their insurance repair/replace the seat for a glass claim before, it means there is precedence.

It doesn't work that way. Your insurance policy is a contract, and it covers what the contract says it covers, and excludes what the contract says it excludes.

I would assume that it would cover all damage caused by an act of vandalism, but what governs are the specific terms of your policy issued by your ins co, not anyone else's.

jd_perspective · 11-13-2020, 09:56 AM

If you make a glass only claim, it is not likely they would cover other damage. you would have to make a claim against your Comprehensive side of your policy (at least in the U.S.) for them to cover body damage including interior.

John in VA · 11-13-2020, 10:28 AM

Sorry to read of this. If that's the only damage to the seat you got lucky!

sinopath · 11-13-2020, 11:49 AM

Quote:

Originally Posted by natesi

Did you not have tinted windows? I think that usually helps keep the glass from shattering all over. It also helps to keep prying eyes out of your car -- although the first thing to do, to avoid a break-in, is to make it look like there's nothing in there in the first place.

Tinting front windows is illegal in our province, I'm thinking of tinting the front windows 100% transparent.

And this is a hate crime not theft, I was told all cars broken that night were European and Japanese high-end brands, and nothing was lost

sinopath · 11-13-2020, 11:57 AM

Quote:

Originally Posted by jd_perspective

If you make a glass only claim, it is not likely they would cover other damage. you would have to make a claim against your Comprehensive side of your policy (at least in the U.S.) for them to cover body damage including interior.

Thanks, I just learned the insurance granted me a body claim

sinopath · 11-13-2020, 11:59 AM

Quote:

Originally Posted by tex2670

It doesn't work that way. Your insurance policy is a contract, and it covers what the contract says it covers, and excludes what the contract says it excludes.

I would assume that it would cover all damage caused by an act of vandalism, but what governs are the specific terms of your policy issued by your ins co, not anyone else's.

I think I was just paranoid to think that the estimator comes to examine the damage and tells me, these are minor scratches, live with it

Skyhigh · 11-13-2020, 01:01 PM

Sorry to hear/see this

Just to comfort you - be aware that those minor cuts in the leather can be repaired very successfully, from what I've seen online (in case your insurance does not want to sponsor a new seat). So head-up!

whatevs · 11-13-2020, 01:15 PM

So Sorry to hear this, but I think Insurance should cover it as long as you have comprehensive. Like Skyhigh mentioned, small cuts like yours can be fixed very well. Good Luck!

11-10-2020, 09:30 PM	#1
sinopath Second Lieutenant 230 Rep 238 Posts Drives: 2017 440i(x) convertible Join Date: Jun 2019 Location: Canada iTrader: (0)	Window smashed by vandalism, leather seat damaged Last night lots of cars in the parkade was broken in. My car looks like this. Although I was careful removing the glass, the lower half still fell inside. After vacuuming, I found multiple cuts to the merino leather. Will the insurance likely fix the seat? I'm very pissed, I always take good care of the leather, just bought a Swissvax leather kit last weekend. Attached Images
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11-11-2020, 10:48 AM	#3
WASHDCdriver New Member 0 Rep 5 Posts Drives: BMW 330i x-drive Join Date: Nov 2020 Location: Washington, DC iTrader: (0)	I hate to see this - sorry it happened to you and hope they catch who did it.
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11-11-2020, 01:23 PM	#6
jmack First Lieutenant 550 Rep 384 Posts Drives: OG M2, E70 X5M Join Date: Oct 2018 Location: TN iTrader: (0)	I don't know the insurance types in Canada, but in the US if you have comprehensive insurance they will cover any damage due to vandalism (after you pay your deductible).
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11-12-2020, 04:21 PM	#7
natesi Lieutenant 204 Rep 499 Posts Drives: F30 Join Date: Jun 2016 Location: PNW iTrader: (0)	Did you not have tinted windows? I think that usually helps keep the glass from shattering all over. It also helps to keep prying eyes out of your car -- although the first thing to do, to avoid a break-in, is to make it look like there's nothing in there in the first place.
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11-12-2020, 07:31 PM	#8
BimR Lieutenant 245 Rep 500 Posts Drives: 2016 328 Join Date: Sep 2020 Location: New York iTrader: (0)	File a police report and insurance will cover it. If you had cameras in the garage, that's all the evidence they need. Friend had someone scratch his car up overnight. They saw on camera someone doing it (not who) to a bunch of cars and covered fixing.
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11-13-2020, 09:56 AM	#10
jd_perspective Captain 344 Rep 906 Posts Drives: 2016 X3 35i M-Sport Join Date: Nov 2014 Location: Orlando, FL iTrader: (0)	If you make a glass only claim, it is not likely they would cover other damage. you would have to make a claim against your Comprehensive side of your policy (at least in the U.S.) for them to cover body damage including interior. __________________ 2016 X3 35i M-Sport 2019 440i Coupe M-Sport - Retired 2018 330i Sedan M-Sport - Retired 2015 428i Gran Coupe M-Sport - Retired
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11-13-2020, 10:28 AM	#11
John in VA Colonel 998 Rep 2,211 Posts Drives: 2015 228i M Sport Join Date: Jul 2007 Location: Leesburg, VA iTrader: (6)	Sorry to read of this. If that's the only damage to the seat you got lucky! __________________ ____________________________________________ 2015 BMW 228i in EstorilBlau II Metallic / Terra Dakota Leather - 6-speed manual, M Sport Package, Cold Weather Package, Lighting Package, Premium Package, Harman Kardon premium sound, Anti-theft alarm system, Blue Metallic Matt Accent Moldings, Aluminum Hexagon Interior Strips, Anthracite Headlining
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11-13-2020, 01:01 PM	#15
Skyhigh Brigadier General 1898 Rep 3,885 Posts Drives: BMW F36 Join Date: Apr 2018 Location: Europe iTrader: (0)	Sorry to hear/see this Just to comfort you - be aware that those minor cuts in the leather can be repaired very successfully, from what I've seen online (in case your insurance does not want to sponsor a new seat). So head-up! __________________ "Large increases in cost with questionable increases in performance can be tolerated only in cars and women."
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11-13-2020, 01:15 PM	#16
whatevs First Lieutenant 138 Rep 359 Posts Drives: 2016 bmw 328 Join Date: May 2019 Location: MA iTrader: (0)	So Sorry to hear this, but I think Insurance should cover it as long as you have comprehensive. Like Skyhigh mentioned, small cuts like yours can be fixed very well. Good Luck!
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