Rat Bite Car Insurance India

Rat Bite Car Insurance India – I have a 2021 Skoda Rapid Ambition 1.0 TSI.Due to the covid shutdown and my family is suffering from the coronavirus, my car has been parked in our closed garage for over 45 days. After the lockout and recovery from the covid I decided to crank the car and clean it.As soon as I got the car out of the garage I saw the EPC light off.After 2000RPM the car also stalled. I drove the car about 100m, turned the car around and stopped.After examining the engine compartment I saw rat droppings and growing wires.

I CALLED ROADSIDE ASSISTANCE AND HAD A TOW VEHICLE. Mind you, I drove my car a total of 200 yards when I noticed the problem and drove another 10 yards when the tow truck came. basically pull the car out of our garage and hook it up.

Rat Bite Car Insurance India

After diagnosis at the shop they said the 2 wiring harnesses would need to be replaced and would cost around 3.6k.The service advisor said they would clear the fault codes and check after the wiring was changed. After the cables were replaced, I got a call from the service advisor that the ECM had failed. The advisor said the ECM would have to be replaced and would cost 81k with labor. He said he would try to file an insurance claim.

छोटा सा चूहा बर्बाद कर देंगे करोड़ों की कार, Insurance Claim के इस नियम को जानना जरूरी- Navbharat Live (नवभारत)

Now, 15 days after taking my car to Skoda workshop, I got a call from the insurer saying that the rat bite damage is not covered but they will look into my case further and let me know.

1. How could a rat bite cause the ECM to fail?Didn’t the fuse blow before it got to the ECM?Apparently the service advisor said there is no fuse for the ECM which I find hard to believe.

2. Does comprehensive insurance cover rat bite?I bought the insurance myself because I didn’t want to reduce my relationship with Skoda too much.

Note mods, I’m not sure if this is the right thread to post in, please let me know if I should change it or delete it, thanks

Rat Bite Cover In Car Insurance

EDIT: I have separated the replaced wires for reference. (Image is from the official Rapid 2020 review) As you can see the ECM is on the right and the wires that were replaced are on the left.No rat cuts or damage to the ECM.

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1. The car’s wiring has been changed before the claim is made, the insured must be informed when the car is taken to a workshop.

2. According to the surveyor’s comments, the wiring replacement job was reduced by the ECM and not the original rat reduction. (Insurance company said this could not be provided in writing)

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Based on the above points, I am now thinking that Skoda has messed up my ECM and is trying to bill the insurance or me (who is willing to bite the bullet). Now I am very worried and don’t know what to do.

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Not putting it in writing makes me even more suspicious of the insurance. I mean, if he’s right, what’s the problem with writing? Why do they want you to become a CID man and find the culprit yourself?

First, I would email the insurance company and ask for their decision in writing, since you have no proof of right or wrong.

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(1) Rat bites cause “open” ckts 99% of the time.The mouse must bite both wires at the same time to short out both wires and electrocute them in the process.

(2) A stubborn rat shorted both wires coming out of the ECU at the same time, and he survived the AC (you didn’t find a dead rat, did you?) – even then, one of the input fuses must have blown. To EKU, and not to EKU.

(3) The ECU will “blow up” if someone makes a wrong connection (giving 12V voltage to the 12V GND/signal pin intended slot or GND 12V power pin intended slot or both incorrectly jumpered.) Done. pin above) and connect the word “blow” refers to damage to the internal circuits. This is different from the software code corruption term ECU “bricking”, which is irreversible is

My guess is that unless there is catastrophic human error when connecting the new signal harness, the ECU cannot “blow” as it is a unit with many built-in supplies, lots of overload and ESD protection.

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Think of it this way. rat bites that damage the wiring harness are very common in India, various brands and locations, mostly as “fixes” to replace/repair wiring and replace blown fuses if needed. As for how often rats gnaw through car wiring, if a blown ECU is a real event, we’ve already heard thousands of such cases on this forum.

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Thanks @Venkyhere, the service advisor told me that there was no fuse for the ECM that caused the ECM to fail though to the garage my car started without any problems and i was able to get it out of the garage and put it on the tow truck How do I start the car when the ECM is broken?

Couldn’t agree more.Very appropriate, OP can copy this and send it to Skoda and it will definitely send the right “don’t mess with me” message.

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Now I’m thinking that Skoda messed with my ECM and is trying to push the insurance or bill on me (if anyone wants to bite the bullet) Now I’m very worried and don’t know what to do.

This is absolutely true. Rat bites will not damage the ECU. Although all the internal wiring is damaged, it does not damage the ECU.

1. Messed with the ASC cable, causing damage to the ECU. If the ECU is damaged, your car will not start when you start it for the first time. This means that there has been a damage in the service center.

The OP will have to get Skoda involved and hope the claim is accepted due to the dealer’s negligence.

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Blaming the customer for the VW Group to be correct. This should be split between the distributor and the company. Asking the insurance/customers for money is totally unethical. After all, how many customers are familiar with such technologies? has access to platforms like ours.Why can’t dealers admit their mistake and come to an agreement internally with Skoda?

A few years ago I had an issue with my 7 series where I was trying to play through the Apple CarPlay installer and for some reason the system crashed. However, the dealership was unable to restore it, but they did it under good will and sent me a new controller from Germany free of charge BMW lost a thousand or so that day through no fault of theirs but they often made more for me as a repeater. customer.

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I can think of a third possibility. What if the ASC replaces the ECU due to a fault?

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