ScottOKeefe, that sounds similar to the attitude of a car insurer to a “problem” they discovered with my car.
More than a decade ago…Parked my GTR at the airport. Returned next day to find someone had attempted to steal it. They’d badged it, torn all the wiring out from under the dash, and in trying to start it had done some under bonnet damage, including putting a screwdriver through the intercooler. Called the AFP, who said that someone had attempted to steal a few high performance cars, without success. The security cameras were inadequate to properly identify the culprit. Insurance company collects car, and sends it for assessment. Various damage. They replaced the immobiliser and a couple of other things then sent the car off to have the intercooler removed. The bloke fixing the intercooler claimed there was oil in the radiator water…so the insurance company decided they would send it to another repairer to “fix” it. They decided it must be the cylinder head, so they removed it, had it shaved, and replaced it. Then they decided it must be the block. they pulled the motor out and stripped it down…at which point the insurer decided that it would have to be fixed from that point “at my cost”, despite the fact I’d told them before they pulled the head off, the motor was fine, and since the thief could not bypass the immobiliser, the engine could not have turned over at all. Theire solution was for me to contact the repairer directly, and take it up with them. I told them I don’t have a contract with the repairer, I have a contract with my insurer, which is also the prime contract repairer. The shop he wants me to speak to is his sub-contracter.
The insurer refused to do any more.
So, since they had insisted on using their repairer rather than allowing me to send it to the place that had done all the work on it ever, I told them I’d have it collected. My guys, received boxes of parts, poorly packed and mixed up, along with a vehicle with the front cross member out etc. Block x-rayed and verified; engine reassembled. When a head or block cracks, water normally gets into the oil, not the reverse. The car was repaired and put back together. It cost $6500. The whole thing took 6 months. I paid the bill, and wrote a letter of complaint to the insurer, making it clear that I wanted full recompense for the unnecessary work and cost. Given the way it was worded - not legalistic or threatening, but obviously very carefully worded to refer to the commercial relationship, the steps taken, and the opportunities I had given them to avoid costs. I didn’t mention the financial ombudsman, but I’d spoken to them, and knew I was on solid ground.
I received a cheque with little more than a short letter apologising for “my poor experience” rather than their poor service. Whatever.