A little crosspost from Bimmerpost, I’ve had my f80 for a couple of years and thought I’d share my nightmare from late last year.
At the time I lived in an apartment building with an optional pay-per-space garage (which is where my car lived). It had at one time a fully closing floor to ceiling gate, but that had unfortunately been out of operation for a couple of years.
To walk the dogs, my fiancé and I would walk through the garage, out to a common grassy area. One morning she came back from the dog walk and immediately said “Elk……… I think something happened to your car!”
I took the elevator down to find the scene in the attached image :(
The glass was from my neighbor (both in parking and in the building, coincidentally) whose Hyundai was affected by the recent spate of thefts. No transponder, someone stole her car, hit mine backing out, and took it for a joy ride.
Fortunately, a door replacement and some paint later, everything is wonderful with the car, I was just out the deductible!
I guess at least they didn’t go after your car directly
Yeah it certainly could have been worse!
Why were you out of pocket when it was your neighbours stolen car that hit yours?
It’s the responsibility of the car thief who wasn’t caught and so it ended up being taken care of by my uninsured motorist insurance.
Wait, what?! That seems so incredibly backwards and foreign to me. In the UK, this would be fully paid out by the insurance company of the vehicle that caused the damage, regardless of who the driver was (in this scenario).
Unfortunately for me that’s not how it works here, I’m not sure that I disagree with it though. My neighbor wasn’t at fault for an idiot stealing her car and hitting mine so it seems odd to me she’d have to pay for it.
I will say, I think Hyundai should have some liability for building their modern cars without basic, standard, and inconsequentially cheap security features!