Wiring harness chewed-warranty voided

Well it shouldn't be too hard to tell by looking at the repair ... Using crimp-on splices is pretty quick and easy ... Nice solid soldered repairs with shrink-tubing over them .. That takes time and a bit of skill and expertise.
So knowing that the dealer (Or any other shop for that matter) wants stuff in-n-out ASAP, because time=$$ .... You can probably guess.

 

1. Insurance is not required to cover damage from vermin.
2. See #1. Consider yourself lucky.
3. This did not happen to your insurance company.
4. This did not happen to the dealer.
5. This happened to you. Own it.
6. Bad things sometimes happen to good people.
7. If you could buy insurance for everything you couldn't afford it. Some risk you choose to retain, each and every day of your life.
8. If you could have bought a "vermin endorsement" and added that coverage, when your agent offered to add it to your policy you would not have purchased it, would you? Be honest: what other additional coverages did you choose to exclude from your policy because you don't think you will need them? Surely some that surely might be needed more than vermin coverage?
9. You bought a policy that states it is the insurance company's sole decision whether to repair or replace your vehicle.
10. If you would have done your due diligence BEFORE the repairs were complete you had the option to request a full replacement of the wiring harness and you could have paid the difference.

Insurance agent here. Twenty three years. I represent seventeen different personal auto insurance companies, and so many commercial auto insurance companies that I don't bother counting them anymore. Unlike some of the "advice" on here, I know my ass from first base.

 

AND .... I would think the preferred method as well! Everybody is happy, right?

 

11. Insurance companies will try to fuck you like a cheap whore every chance they get. And then some.

Policy holder here. 45 years of home, medical & auto.

 

My experience with claims has been mostly fair. Shit happens. LIFE is not fair. Into every life a little rain must fall. The OP not included, and as a separate and well documented/observed postulate, it has been my experience that shit just follows some people around. They make their own bad luck. It's more of a personal problem than an insurance company problem. If they had no insurance, they'd still have shit following them around. Expect the worse, receive the worse. Also a well established and observed fact, the people that have the biggest insurance issues and frightening insurance horror stories are exactly these people. Imagine that!

Back in the old days, when you could get away with calling people what they really are, we use to call them...losers.

 

Insurance companies have been getting rich off me....been driving almost 25 years now, no claims. Tons of premiums paid for nothing. I do know from others they like to half ass repairs (bondo instead of panel replacement, aftermarket Chinese parts, etc) and get out of paying much as possible.

 

Well, lemme' give you an example..
Before I moved to here where I'm at now ... I owned a house in So. Cal. Lived there for 20 years. Never missed a payment on insurance. (Built into the mortgage payment) .... Gave State Farm countless thousands of $$. Never ONCE made a claim in 18 years till one day...
One day, I got home from work and there was a geyser of water shooting up from my front yard. The water service line to the house broke. I thought 'Hey! I've got insurance! No prob!' .. Right?
You know what State Farm told me? 'Anything before the water meter is the city's problem, as well is the actual water meter. Anything INSIDE the house, AFTER where the service line connects to the actual house, is covered. Anything between the water meter and where it actually connects to the inside of the house .. It's Fuck You Pal ... You're on yer own.
So I had to have a plumbing service come out and replace a water/service line that ran under a sidewalk ... Then the front walk of the house (Concrete) and then under the driveway on the side of the house (Again concrete) ... So it cost me $5K with the added bonus of having my whole front yard torn to shit.
And what did State Farm say? 'Oh well! Sorry about that!'
Rat Bastard insurance companies are out for one thing and one thing only. No matter how much the TV commercials try and tell you how much 'They Care' ... They're there to suck you dry and when you really need them, they say 'Oh! Loophole! Sorry ya SCHMUCK!' Anyone who thinks their insurance company is 'Their Friend' is a blithering retard.

 

Yep, you can buy coverage for all of that. It is called policy enhancements. Endorse the policy to only use original equipment parts. $$$ You can also endorse the policy to pay what is called AGREED VALUE, not actual cash value. If the car is totalled they pay what is agreed on up front. Cost more money, but you can buy it. But you don't, do you? Because your primary goal is to buy the least amount of insurance at the least cost, right? So if you wanted to spend the money it cost to do so you could set up your claim settlement for success FROM THE START, and not have these claims issues, but you don't do you? And let me see if I understand you correctly: You regret paying tons of premiums...for nothing? Doesn't that mean that you regret not having claims during that time...so that paying all of those premiums would be...for something? So it seems that you are actually wishing for bad luck? Stop doing that and do this: pay your cars off and drop your insurance. Don't buy it, even if it is against the law. Hell, you wanna' gamble, then GAMBLE! REALLY GAMBLE! That's what insurance is anyway, reverse wagering. SO do it: Don't buy insurance! Problem solved. Stop whining you whiner!

 

Bitter much?

 

As for your underground water rupture. AINT COVERED! I rep 27 home insurance companies. NONE of them cover it on the standard policy. ONE offers what is called service line coverage. Guess what? NOT A SINGLE CUSTOMER OF MINE HAS EVER TAKEN THAT OPTIONAL COVERAGE! NOT ONE! Listen, if all of this shit was in the standard policy they'd have to charge for it. You couldn't afford to buy it! Insurance is not a home maintenance policy. Did you buy all of the service plans on all of your appliances? NO! Your home systems? NO! You retain risk. Every day. This is not an insurance company issue. It is an entitlement issue.

 

No Kevin, I am not bitter. A person only needs to reread several of the posts above this one, (and many to come, I'm sure) to recognize who is bitter, and who feels entitled. But I deal with bitter people every day who have an entitled attitude. Nobody takes personal responsibility anymore. I come from a time before when everyone got a participation trophy. I get tired of hearing the whining. If I offer you all of this coverage you are not going to buy it. But let one thing happen, and guess who is going to whine the loudest?

Tell you what I have done though Kevin: I've stood in the street in front of a house a couple of houses down from this one with its owner and I watched her with my arm around her as her house burned to the ground. The sweetest, kindest octogenarian lady that I know, recently widowed. She is on a fixed income and had been lobbying me to drop her home coverage from $242K to something around $180K. I had refused to do that, knowing that she couldn't rebuild it for the $180K market value she could sell it for. She got out with the clothes on her back, not even her purse was saved. The insurance company had her in another house that night, a very nice house too, across the golf course from which she could see her house, and watch as it was rebuilt. They didn't have to do that, but in one hour that terrible insurance company morphed into many compassionate, caring people on the other end of the phone who sprung into action and came to Billie's immediate aid. They worked well into the night making the impossible possible. It was a much nicer house than hers, and they didn't have to do that. They contacted the realtor, then the owner, and convinced him to take the house off the market and paid him WAY MORE monthly rent than it was worth, all so he would agree to let Billie stay there until her house was built. If I remember right they paid him 6 months rent and deposit up front. They paid the owner direct so that she would not have to deal with that. They paid her utilities. They did not have to do that. They allowed her to rent furniture of her choice and paid to have it delivered 50 miles, and paid that bill direct so that she wouldn't have to. They put $12,000 in her bank account the next day so she could start rebuilding her self dignity. The rebuild cost $267K, more than the $242k she was insured for. They paid it, because she had listened to me and bought an endorsement giving 25% additional Coverage A for an additional $42/year.

I hope you buncha' self-entitled whining malcontents never find yourself standing in front of your house watching it burn like Billie did. I saw her face. It is my prayer that you never have that look on your face, or that feeling in your heart. Most of all, I hope you listen when your insurance agent talks. One day your insurance company may just have to pull your fat out of the fire for you too.

 

I picked up a outside my house electrical policy for $5.00 a month and now they are offering me a outside my house water policy for $5.00 a month .

 

Well, I got my truck back. There were 2 wires in the harness that were chewed through entirely. They determined it was fine to repair them. Both soldered, heat shrinked and the entire area was wrapped in rodent deterrent tape. All good with me. I really didn’t want an entire replacement...tearing half the truck apart, dealing with an insurance claim, etc... no impact to my warranty and it’s stated as such on my invoice.

 

I beg to differ. I know bitter, angry, 'Get off my lawn' when I hear it

So you hope my house burns-down. Got it, thanks. You know it's funny, just this morning I gave a neighbor's car a jump start on my way to work, yet I'm not going to hope that someday you too have a dead battery.

 

I'm thinking Dale Carnagie never met tonykarter.

 

Was thinking the same, no wonder why I had issues if people in the industry have this attitude

 

Yeah, I see where you're coming from. One needs to buy some extra-expensive 'gap' coverage, to maybe/might cover something that might never happen at all. And when the loophole pops up and the insurance company says 'Hey Dumbshit! You SHOULDA' Bought.. XXXXXX ... Well SORRY PAL, eat shit!"
WTF is with this 'home maint' bullshit? Like NObody doesn't do that? Like I don't maintain the furnace or water heater or electrical and minor plumbing issues? I don't make repairs on the roof, or fix the siding on the house, or clean the chimney, or replace broken door-knobs, or fix the sliding glass door in back of the kitchen, or fix the leaky insulation around a window ... Or .. Or .. Or ...
WTF am I supposed to do about a water service line coming into the house? DIG the fucking front yard up every two years to make sure the pipes are OK? Are you insurance dorks really serious? REALLY?
I don't buy 'insurance' plans for things like 'appliances', because I *know* they will last long enough that even if it finally goes belly-up ... It's cheaper to just go by NEW that, I'd save a ton of $$ NOT buying 'insurance' for it. (BTW, I've got a fridge, deep-chest freezer, Furnace, and an AC system that are going on 25+ years, and zero probs ... Shit, even the toaster and blender I have, that old, still work fine..) Why would anybody buy 'insurance' for that?
It's just the ol' 'Let us stick a vacuum-cleaner in yer wallet for shit we know you'll almost NEVER use (Except to make us $$$)' ...
And if/when you really might need us, after the thousands of $$$ you've paid ... Then you say 'Oops! You apparently didn't read clause three on paragraph 4, on page 57 of your policy. Fuck off.'
The only thing worse than insurance people are used car salesmen and real estate people.

 

You know Bruce, care like yours doesn't have to include electro-convulsive therapy anymore. The pharma companies have made some incredible advances in mood-leveling medicine. They can fix that for ya', but you gotta' do your part and stick with the program.

Just yankin' yer chain Bruce! You have a great day.