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| Front view immediately after accident. The number plate is cracked across the top. |
It was duly put on a low bed because it was not starting. It was then carted off to somewhere in Chamdor by Magalies Towing. However, I have since discovered that the vehicle was assessed by Anthony Knight of SIAS in Strijdom Park and signed off by Joao Carvalho of Outsurance.
Two days later I got an assessment from the Insurance company saying that it was not economical to repair, given that the car was only insured for the market value of R20000. The assessment was for R21 388.
At the scene of the accident, while waiting for the tow truck I did a quick sourcing of the relevant parts and came up with a part replacement total of about R7500.
The front lights (complete) I found for R3000, the right front indicator light R650, the bonnet- R2500 (second hand), the grill - R1000. The rest of the work word be straightening the cradle and the front valance where the UNDAMAGED radiator was attached. NOTE NO WATER under car!!!
Outsurance's assessment included a new radiator for R850. Two years ago I had to have my radiator either fixed or replaced and I shopped around. I could not get an alternative radiator. Mercedes Benz could supply a new one for R3500 but my mechanic said that only the tubes had to be replaced as the upper and lower tanks were OK. That cost me just on R2000. I would dearly love to know where the assessors are going to get a NEW radiator for that car at R850!!!!
| STRIP AND ASSEMBLE |
Part
|
Labour
|
Betterment
|
Total Cost
|
| LOOSE PARTS | 0 | 132 | 0 | 132 |
| ENGINE BAY COMPONENTS | 0 | 528 | 0 | 528 |
| FRONTAL COMPONENTS | 0 | 316.8 | 0 | 316.8 |
| COLOUR MATCHING AND BLENDING | 0 | 132 | 0 | 132 |
| PAINT |
Part
|
Labour
|
Betterment
|
Total Cost
|
| FENDER RIGHT FRONT - BOLTED | 1255 | 0 | 0 | 1255 |
| VALANCE FRONT LOWER | 460 | 0 | 0 | 460 |
| FRONT PANEL - WELDED | 800 | 0 | 0 | 800 |
| INNER TRAY LEFT FRONT | 570 | 0 | 0 | 570 |
| INNER TRAY RIGHT FRONT | 570 | 0 | 0 | 570 |
| CHASSIS LEG LEFT FRONT | 345 | 0 | 0 | 345 |
| CHASSIS LEG RIGHT FRONT | 345 | 0 | 0 | 345 |
| COLOUR MATCHING AND BLENDING | 800 | 0 | 0 | 800 |
| BONNET | 1485 | 0 | 0 | 1485 |
REPAIRS
|
Part
|
Labour
|
Betterment
|
Total Cost
|
| VALANCE FRONT LOWER | 0 | 792 | 0 | 792 |
| FRONT PANEL - WELDED | 0 | 1056 | 0 | 1056 |
| FENDER RIGHT FRONT - BOLTED | 0 | 132 | 0 | 132 |
| SUPPLY AND FIT - GENUINE |
Part
|
Labour
|
Betterment
|
Total Cost
|
| BUMPER COVER FRONT | 1500 | 316.8 | 0 | 1816.8 |
| COOLANT | 90 | 13.2 | 0 | 103.2 |
| NUMBER PLATE | 120 | 6.6 | 0 | 126.6 |
| SUNDRY ITEMS | 94.85 | 0 | 0 | 94.85 |
| SUPPLY AND FIT - ALTERNATIVE |
Part
|
Labour
|
Betterment
|
Total Cost
|
| HEADLAMP LEFT FRONT | 1250 | 132 | 0 | 1382 |
| HEADLAMP RIGHT FRONT | 1250 | 132 | 0 | 1382 |
| INDICATOR RIGHT FRONT | 475 | 52.8 | 0 | 527.8 |
| RADIATOR | 850 | 316.8 | 0 | 1166.8 |
| RADIATOR SHROUD | 625 | 79.2 | 0 | 704.2 |
| BONNET GRILL | 825 | 105.6 | 0 | 930.6 |
OUTWORK
|
Part
|
Labour
|
Betterment
|
Total Cost
|
| BODY SEALANT | 0 | 0 | 0 | 30 |
| RUST PROOFING | 0 | 0 | 0 | 60 |
| PARTIAL REPAIRS |
Part
|
Labour
|
Betterment
|
Total Cost
|
| INNER TRAY LEFT FRONT | 0 | 132 | 0 | 132 |
| INNER TRAY RIGHT FRONT | 0 | 132 | 0 | 132 |
| CHASSIS LEG LEFT FRONT | 0 | 132 | 0 | 132 |
| CHASSIS LEG RIGHT FRONT | 0 | 132 | 0 | 132 |
| SUPPLY AND FIT - SECOND HAND |
Part
|
Labour
|
Betterment
|
Total Cost
|
| BONNET | 2500 | 316.8 | 0 | 2816.8 |
Coolant for R90.00? Very expensive water. All one needs is 1 litre of antifreeze for the whole radiator. Cost R30.00.
Considering the chassis legs were not damaged in the accident why would they have to be repaired?
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| The view from the left side. The bumper is nearly straight and that damage was from previous damage. |
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| View under the bonnet at scene. Not radiator is pushed back, the shroud is complete and NOT damaged. The upper cradle is pushed straight. |
I rejected their assessment and asked for my car back which they did and the insurance company gave me R8000 odd as settlement for my claim. The vehicle was then sent to my panel beater who told me that there was absolutely NO fuel in the car at all. The tank was dry. The battery had been replaced with a vastly inferior battery and then when I went to visit I discovered that my corner piece of the bumper which I bought a few years ago had been stolen, my car jack had vanished and a half 5 litre oil was also stolen.
I put in a claim to the insurance company for the missing items and was paid out R1850, which was great.
When I delivered my new battery to the panel beaters and some petrol we tried to start the car and it would not start, so we tried to find the fault and discovered that the distributor had been maliciously damaged. At the scene of the accident I checked under the bonnet and the distributor was complete and undamaged. It was not touching any parts of the radiator or radiator shroud which had been pushed back.
At the panel beater the distributor cap lifted very easily, without a screw driver and the rotor arm was missing as was the inner cover. The central tit on distributor cap was snapped off, which means it will have to be replaced. Mercedes Benz has given a quote of R1033.30 for all three parts.
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| Distributor cap - missing central tit. |
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| Distributor missing cover and Rotor Arm |
My conclusion is that the Assessment departments and the panel beaters are defrauding the Insurance companies. Not only the Insurance companies but the public as well.
People are under the impression that they should trust their insurance companies. We shouldn't!! They are there to make money NOT to help anyone, least of all their clients, who happily cough over MILLIONS in the hopes of getting good service.
We have to question everything. When I initially put my old Mercedes Benz onto my insurance I was told that my windscreen excess was R2000! I asked why when I had just replaced the windscreen for R350 fitted? They then reduced my windscreen excess to R350. I suggested they look into their suppliers for fraud - then.
I know PG Glass and subsidiaries, were accused of industry collusion in March 2016, to which their CEO vehemently denies it.






