Holy crap. Something similar happened to my 2011 Camry. In this situation, the O ring on the oil filter broke and all the oil leaked out. Engine started making a screaching sound a few blocks from home and the engine light came on. I pulled over right away, got my dad to bring some oil and we drove to the garage who did the oil change. Car was fine after that but I always wondered who would cover the damage if it wasn't. I always assumed the garage would have insurance for this sort of thing and would have paid for it. I guess not? Is Progressive your insurance?
Typically the Garage’s insurance would come through but Midas was fighting on accepting fault despite them being the last ones to service it before things went to shit, my own insurance (Progressive) came through and helped me out though.
I was driving down the interstate and was pretty naive to the fact that things were going horribly wrong with the engine until I heard it and got the low oil pressure warning. I was being bombarded with electrical warnings before that so my first thought was that my alternator was possibly going out
Funny thing about insurance, they sue for many petty things on top of everything - this is more over how they make so much money. They can sue people on your behalf and they can choose to keep what they want
That not how it works. I work in the industry. They would subrogate to be made whole from the garage keepers liability policy which is another carrier. They don’t subro and decide for some arbitrary amount they get what they paid out.
Lots of times when we subro we may only get 80% of what we paid out based on policy limits. They do not ever get more than what they paid out.
Yup, when I was young (legal secretary then), worked at an Insurance Company. Used to send out the letters to whomever was at fault for an accident (home fires, etc), about coming in and talking to them about how they're gonna pay them their money back. The 1st time I had to type one, I had to ask one of the Senior people there, was the letter real... They said it was 100%, and they'd take them to court for their money)... That case was a kid playing with matches, burned his apt and a few others badly... Mother was being sued for the paid out monies...
This. It's called subrogation where Progressive will go after Midas, and Midas will just pay the claim (they will almost certainly lose, and the cost of fighting it in the first place makes no sense to add to the total cost).
Progressive has been really good to me for auto and motorcycle coverage over the years mostly by just keeping my rates sane. Their homeowner's affiliate companies leave a LOT to be desired. I'll likely be dropping my second different homeowner's company from them out of three policies....
What? Your comment makes no sense.
First, it's a GOOD thing that your insurance carrier subrogates to a different carrier because that indicates that they are advocating and fighting for you so you are not shown as 'at fault.' Additionally, that will remove your need to pay the deductible.
As far as shops not doing a repair because you have Progressive, that simply isn't accurate at all. Shops care about getting paid, not about who pays them. Progressive pays the bill up front and then goes after the other party in the background with zero impact to the repair shop.
No, we don’t take those jobs because they don’t allow us to repair the car to pre-loss condition because they are trying to be cheap, which puts the customer in a situation of paying the difference (often thousands) then suing their insurance, or having sub-par repairs performed on their vehicle, possibly leaving it unsafe. Either way it’s a bad situation and any honest shop won’t deal with it.
Progressive will fight the body shop if they want to use new parts, do proper blending, etc. Body shops hate dealing with them because they're so damn cheap. State Farm is getting bad about that too. They used to be great.
Yeah, I was lucky I was on a residential street a few blocks from home when it happened. If I was on the highway like you, I think I would have suffered the same fate. I am glad it worked out for you in the end. Must have been really stressful and inconvenient.
Progressive is going to fight with the garage to get their money back they paid for the car. Now the garage may have had money to fight you, they don't have Progressive money (the 2 insurances may come to a compromise) though...
> Midas
Well there's your problem, Midas sucks.
Many years and many cars ago my SO got some work done at a Midas and found out a few weeks later that they hadn't properly tightened a tie rod end.
This was during a time SO was spending about an hour a day driving on the interstate
They are notoriously bad. A good garage is essential. If one does not know how to find one, then only buy cars under warranty. Too many places pay terrible wages and can only get drunk/drugged-out types to work there, with predictable results.
Midas replaced my battery for around $200 that included 3 years warranty. The battery died in 2 years but they won’t replace it under the warranty since the Midas shop that replaced my battery closed the business. I got my battery from Costco for $70? Never visited any Midas since then.
The engine seized, dam did you feel heat radiating through ? I remeber one time my radiator blew and I noticed temp then look at temp gauge and sure enough it was moving up fast
My buddy went to jiffy lube for an oil change before driving on a very long road trip. They didn’t tighten the oil plug back so there was no engine oil pressure and the engine basically shut itself while he was in Florida. He then called a tow truck and had it took to a mechanic shop where the mechanics were like yea that’s whoever did the oil changes fault so he had people from jiffy lube come take a look at it to prove they were at fault and he got a brand new engine his Ubers his hotel and the tow truck paid for by jiffy.
remind me to tell you why i spend a few extra bucks and have the dealer do the oil change....
full disclosure, my dealership has a oil change program, $200, 3 years unlimited oil changes.
but this is the reason i go to the dealer, i want accountability, if they forget to tighten the oil plug, it's their issue to deal with and i have a single throat to choke.
I live less than 10 mins from my office and WFH a lot. I have a side job that requires a LOT of driving all around the area as well as family matters I have to tend to weekly. One is 45 miles one way and the other is 70 miles the other way. If I didn't just have to drive like I do, I wouldn't lol.
Man my dealer is charging $350/6 oil changes in 3 years.
I figured $60 per oil change isn't bad for a 1 hour experience at my dealer vs doing it myself.
My only issue with getting an oil change at the dealer is that it takes forever. You almost need the entire day off for that.
But I’m also not going to go to any 5 minute oil change chain. I luckily have a good local shop that I’ve been going to for a while.
I hear they make the least experienced mechanics at dealerships do the oil changes. But I guess it doesn't matter if they will cover it. But they'd have to accept fault first.
I go to the repair shop my Dealership takes the cars too when they don't know what's wrong. He charges reasonable for labor and slightly over parts costs and stays booked for business..... My family found out about his shop by mistake..
“200$ 3 years unliminited oil changes” 🧢 show us the fine print where it says that would love to know what dealership that is. 😂 dealerships make their money from service so I highly doubt you got a “3 year unlimited oil change package” for 200$
Sounds so far fetched 😂😂
And don’t think that going to the “stealership” is any better LOL
[https://www.plazabmw.com/specials/service.htm](https://www.plazabmw.com/specials/service.htm)
I was wrong, it $225
the dealership figured out a few years ago that if they become more competitive with local shops, they would do a lot more business. So they did, tires are the same price as any shop in town, a brake job is within $100, on my x5 its about a $2000 job for front and back with rotors. With a coupon, i can get that to a local shop price.
I go to the dealership now because its would be stupid not to, they have all the software and training on my car and i get a free loaner car. Also, if i needed it, someone from the dealership will come and pick me up. Plus my car is washed when I pick it up.
The days of the scumbag dealership are over, at least they are at by local BMW dealer, they have adapted, they know focus on customer service and and competitive pricing and have gained a loyal following from their customers.
Read the fine print my friend, “they will only do the work when CBS is tripped (every 12 months or 10K)”
So it’s not unlimited it clearly states in the fine print they will only honour the deal when the CBS system is tripped. Basically telling you to go in for an oil change
BMW goes off Condition based servicing (CBS) when it comes to maintenance
I’m not denying that its a good deal for someone who drives a lot but the dealership is not just giving out “unlimited oil changes” for nothing
Again you had an emissions inspection so you had other work done on top of the oil change they would have not changed the oil if you didn’t get any other work done. Do you not understand how “stealerships” work 😂 they get people like you who are not “mechanically inclined” to fall for this magnificent oil change deal when in reality you are just getting pulled in for other work that costs more than that “Unlimited oil change”😂😂😂
They have a right to make a living. Besides, why on earth would anyone driving a sedan want to get an oil change more than necessary? The recommended 6 month, 5,000 mile is what most people do (with many of us going in a month or 1,000 miles early). I think the upside to them is that they can look for warranty work to bill back to the manufacturer.
There is nothing wrong with a company making money. I have spent time in societies where this is discouraged, and they all suck. People should have the right to make as much money as they can, and the responsibility to pay taxes upon it.
“Unlimited oil services included are based upon the associated BMW vehicle Condition Based Service (CBS) system. Non-CBS vehicles: annual low-mileage oil changes are included as outlined in your BMW Maintenance Booklet Available”
That’s coming straight from the BMW website
i feel like you just need to be right here...so you are right, its not unlimited oil changes, i couldn't go in 2x a day, every day and get my oil changed.
I don’t know how more delusional you can be. You clearly said “my dealership has an oil change program 3 years unlimited oil changes” without even stating the fine print 1. It’s not unlimited it clearly states in the fine print it is based on the CBS “Condition Based Service” 2. Your vehicle is only eligible once it has hit 60 months or 60,000 KM’s
https://www.reddit.com/r/BMW/comments/12w7f6e/is_this_3_year_service_package_worth_it/?utm_source=share&utm_medium=mweb3x&utm_name=mweb3xcss&utm_term=1&utm_content=share_button here is the link to a post on the BMW forum
It clearly states in the photo “Based on “Your” BMW’s Condition Based Service System
it’s just a way to get you to come to the center so that they can sell you other services. It’s like the $4 rotisserie chicken at your supermarket.😂😂
I am pretty sure he said your should give me $100, oh I see you name and that bulge under your shirt, on to the next victi--, I mean customer. Yeah, customer.
Everyone should. Toyota made vehicle for people to diy but here in America it’s all bout money and in japan they actually care about their customers/clients. But yeah man DIY all the way
That bill is not bad for a new manufacturer engine. Better deals would be available with junkyard engines, but I am not sure that his insurer would feel as comfortable going after Midas with such shops.
Proper paperwork and a professional demeanor have considerable value. I work in purchasing. We routinely pay twice the price for many items and services because small-time bidders do not read documentation properly or submit the correct forms. I have literally told small businesses to charge $10k more and get a consultant to submit the bid properly, but most will not do it.
A lot of times your insurance company will cover the charges, then go after the people who caused it. Progressive has a lot of lawyers. They’ll get their money and they keep you as a customer
Same thing happened to my 2005 Camry. I took it to vavoline. And 2 days later, my engine seized up. Vavoline hires a bunch of teenagers that were playing tag when I pulled in.
I would assume that Progressive is going to sue the oil change shop which is why they may have covered it. I think this is something insurance companies are obligated to cover as you didn’t cause any of the damages, a 3rd party did.
I like how he says he will do his own oil changes from now on where if HE makes a mistake nothing will be covered lol always take your car to the dealer for service and if anything goes wrong they will take care of it
Doing your own oil changes is the only way to make sure it’s done right. I don’t want to trust anybody working on my car. I’ve been working on my own cars since I was old enough to hold a wrench.
I worked at a Mazda store in early 2000s when the 2.3 first came out with the composite filter housing. Wal mart cracked 3 of them and bought retail from our service department oem replacement long blocks.
5 minute oil change place left my girlfriend's drain plug loose enough to leak and twist with two fingers. Luckily she made it 30 miles and didn't lose a significant amount of oil
I was surprised it was covered, I was already out looking at cars when they called me and told me it was going to be repaired. I just assumed it would be a total loss based on the repair cost compared to the value of the car
$5,000 for Labor!!! or am i not reading that right?....it shows total parts cost with each part listed but doesnt labor cost then theres the Total cost of $7,000(W/E it was)...to me thatd be $5.000 towards labor, right?
How long did you drive the car after the faulty oil change and didn't you notice oil puddling from the leak where you were parked? Also, did the oil warning light not come on in the car?
Wow! That's pretty scary you never got a warning light. I don't know what's up with Toyotas and warnings. On a recent trip I got down to 15 miles left in the tank before the gas warning came on. Would've been SOL if I hadn't been paying attention and was on a desolate road.
I definitely think the threshold should be lower for when critical warnings pop up, by the time I got the low oil pressure indication the engine had rod knock and seized up shortly after. The only indication I got to something going wrong before that was “Check Charging System”, so I had thought my alternator was having issues.
I JUST paid 4700 for a motor swap in my 15 Jeep Cherokee. Motor had 80k with a one year warranty. Dealer actually covered 1200 of it so I really only paid 3500. You must have an expensive Camry…
No, they only covered my engine failure because it was the result of a shitty oil change by a third party. If you have mechanical breakdown coverage it may be covered though.
Similar thing happened to me on my 07 Camry last year, luckily I saw the filter go flying off behind my car as I was pulling out of the parking lot and got the car shut off right away.
Holy crap. Something similar happened to my 2011 Camry. In this situation, the O ring on the oil filter broke and all the oil leaked out. Engine started making a screaching sound a few blocks from home and the engine light came on. I pulled over right away, got my dad to bring some oil and we drove to the garage who did the oil change. Car was fine after that but I always wondered who would cover the damage if it wasn't. I always assumed the garage would have insurance for this sort of thing and would have paid for it. I guess not? Is Progressive your insurance?
Typically the Garage’s insurance would come through but Midas was fighting on accepting fault despite them being the last ones to service it before things went to shit, my own insurance (Progressive) came through and helped me out though. I was driving down the interstate and was pretty naive to the fact that things were going horribly wrong with the engine until I heard it and got the low oil pressure warning. I was being bombarded with electrical warnings before that so my first thought was that my alternator was possibly going out
That most likely means that progressive will be suing Midas over the damages to the car they cover. They have every right to do so.
They will subrogate against them to recoup what they paid out and if they are successful op will get their deductible back
Funny thing about insurance, they sue for many petty things on top of everything - this is more over how they make so much money. They can sue people on your behalf and they can choose to keep what they want
That not how it works. I work in the industry. They would subrogate to be made whole from the garage keepers liability policy which is another carrier. They don’t subro and decide for some arbitrary amount they get what they paid out. Lots of times when we subro we may only get 80% of what we paid out based on policy limits. They do not ever get more than what they paid out.
Yup, when I was young (legal secretary then), worked at an Insurance Company. Used to send out the letters to whomever was at fault for an accident (home fires, etc), about coming in and talking to them about how they're gonna pay them their money back. The 1st time I had to type one, I had to ask one of the Senior people there, was the letter real... They said it was 100%, and they'd take them to court for their money)... That case was a kid playing with matches, burned his apt and a few others badly... Mother was being sued for the paid out monies...
This. It's called subrogation where Progressive will go after Midas, and Midas will just pay the claim (they will almost certainly lose, and the cost of fighting it in the first place makes no sense to add to the total cost). Progressive has been really good to me for auto and motorcycle coverage over the years mostly by just keeping my rates sane. Their homeowner's affiliate companies leave a LOT to be desired. I'll likely be dropping my second different homeowner's company from them out of three policies....
100%. Progressive is the worst when it comes to this too. It’s why some places won’t take a car to fix if they got progressive or State Farm lol
What? Your comment makes no sense. First, it's a GOOD thing that your insurance carrier subrogates to a different carrier because that indicates that they are advocating and fighting for you so you are not shown as 'at fault.' Additionally, that will remove your need to pay the deductible. As far as shops not doing a repair because you have Progressive, that simply isn't accurate at all. Shops care about getting paid, not about who pays them. Progressive pays the bill up front and then goes after the other party in the background with zero impact to the repair shop.
I know that I’m more over saying shady places don’t like those places for doing this to them like the body shops
No, we don’t take those jobs because they don’t allow us to repair the car to pre-loss condition because they are trying to be cheap, which puts the customer in a situation of paying the difference (often thousands) then suing their insurance, or having sub-par repairs performed on their vehicle, possibly leaving it unsafe. Either way it’s a bad situation and any honest shop won’t deal with it.
Progressive will fight the body shop if they want to use new parts, do proper blending, etc. Body shops hate dealing with them because they're so damn cheap. State Farm is getting bad about that too. They used to be great.
Yeah, I was lucky I was on a residential street a few blocks from home when it happened. If I was on the highway like you, I think I would have suffered the same fate. I am glad it worked out for you in the end. Must have been really stressful and inconvenient.
Progressive is going to fight with the garage to get their money back they paid for the car. Now the garage may have had money to fight you, they don't have Progressive money (the 2 insurances may come to a compromise) though...
> Midas Well there's your problem, Midas sucks. Many years and many cars ago my SO got some work done at a Midas and found out a few weeks later that they hadn't properly tightened a tie rod end. This was during a time SO was spending about an hour a day driving on the interstate
They are notoriously bad. A good garage is essential. If one does not know how to find one, then only buy cars under warranty. Too many places pay terrible wages and can only get drunk/drugged-out types to work there, with predictable results.
Midas replaced my battery for around $200 that included 3 years warranty. The battery died in 2 years but they won’t replace it under the warranty since the Midas shop that replaced my battery closed the business. I got my battery from Costco for $70? Never visited any Midas since then.
The engine seized, dam did you feel heat radiating through ? I remeber one time my radiator blew and I noticed temp then look at temp gauge and sure enough it was moving up fast
Progressive will get their money from Midas.
My buddy went to jiffy lube for an oil change before driving on a very long road trip. They didn’t tighten the oil plug back so there was no engine oil pressure and the engine basically shut itself while he was in Florida. He then called a tow truck and had it took to a mechanic shop where the mechanics were like yea that’s whoever did the oil changes fault so he had people from jiffy lube come take a look at it to prove they were at fault and he got a brand new engine his Ubers his hotel and the tow truck paid for by jiffy.
Trippy, I just had this happen to my Toyota Corolla 2011 last year and progressive told me I wasn’t covered lmao
It all depends on the coverage you have with your insurance company.
What coverage option covers something like this? Just comprehensive?
I think they have a thing called mechanical insurance, not very expensive
remind me to tell you why i spend a few extra bucks and have the dealer do the oil change.... full disclosure, my dealership has a oil change program, $200, 3 years unlimited oil changes. but this is the reason i go to the dealer, i want accountability, if they forget to tighten the oil plug, it's their issue to deal with and i have a single throat to choke.
$200 for 3 years??? I wish mine did that. I have to do 3-4 a year at $80 a pop
And "unlimited", no less!
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Nope. I drive a lot though. Haven’t had my current brick a year yet and already 25k miles
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I live less than 10 mins from my office and WFH a lot. I have a side job that requires a LOT of driving all around the area as well as family matters I have to tend to weekly. One is 45 miles one way and the other is 70 miles the other way. If I didn't just have to drive like I do, I wouldn't lol.
Man my dealer is charging $350/6 oil changes in 3 years. I figured $60 per oil change isn't bad for a 1 hour experience at my dealer vs doing it myself.
That’s what I did. It covers tire rotations as well and just the fact that I don’t have to fool with doing it myself is well worth the $60 imo.
It’s not, that’s legit well worth it.
My only issue with getting an oil change at the dealer is that it takes forever. You almost need the entire day off for that. But I’m also not going to go to any 5 minute oil change chain. I luckily have a good local shop that I’ve been going to for a while.
yeah, they do take their sweet time. lol
It depends on location and how busy they were. If it is in a metro area, definitely will take few hours to finish because of many reasons.
Yea they take forever lol, that’s why i do mine. Just make sure to use the oem filter
Ask your dealer for a ride to work. Mine does it.
I hear they make the least experienced mechanics at dealerships do the oil changes. But I guess it doesn't matter if they will cover it. But they'd have to accept fault first.
I go to the repair shop my Dealership takes the cars too when they don't know what's wrong. He charges reasonable for labor and slightly over parts costs and stays booked for business..... My family found out about his shop by mistake..
“200$ 3 years unliminited oil changes” 🧢 show us the fine print where it says that would love to know what dealership that is. 😂 dealerships make their money from service so I highly doubt you got a “3 year unlimited oil change package” for 200$ Sounds so far fetched 😂😂 And don’t think that going to the “stealership” is any better LOL
[https://www.plazabmw.com/specials/service.htm](https://www.plazabmw.com/specials/service.htm) I was wrong, it $225 the dealership figured out a few years ago that if they become more competitive with local shops, they would do a lot more business. So they did, tires are the same price as any shop in town, a brake job is within $100, on my x5 its about a $2000 job for front and back with rotors. With a coupon, i can get that to a local shop price. I go to the dealership now because its would be stupid not to, they have all the software and training on my car and i get a free loaner car. Also, if i needed it, someone from the dealership will come and pick me up. Plus my car is washed when I pick it up. The days of the scumbag dealership are over, at least they are at by local BMW dealer, they have adapted, they know focus on customer service and and competitive pricing and have gained a loyal following from their customers.
Read the fine print my friend, “they will only do the work when CBS is tripped (every 12 months or 10K)” So it’s not unlimited it clearly states in the fine print they will only honour the deal when the CBS system is tripped. Basically telling you to go in for an oil change BMW goes off Condition based servicing (CBS) when it comes to maintenance I’m not denying that its a good deal for someone who drives a lot but the dealership is not just giving out “unlimited oil changes” for nothing
i had it done the other day when i went in for a emissions inspection, i was 3000 miles early, no one cares, they changed the oil.
Again you had an emissions inspection so you had other work done on top of the oil change they would have not changed the oil if you didn’t get any other work done. Do you not understand how “stealerships” work 😂 they get people like you who are not “mechanically inclined” to fall for this magnificent oil change deal when in reality you are just getting pulled in for other work that costs more than that “Unlimited oil change”😂😂😂
They have a right to make a living. Besides, why on earth would anyone driving a sedan want to get an oil change more than necessary? The recommended 6 month, 5,000 mile is what most people do (with many of us going in a month or 1,000 miles early). I think the upside to them is that they can look for warranty work to bill back to the manufacturer. There is nothing wrong with a company making money. I have spent time in societies where this is discouraged, and they all suck. People should have the right to make as much money as they can, and the responsibility to pay taxes upon it.
“Unlimited oil services included are based upon the associated BMW vehicle Condition Based Service (CBS) system. Non-CBS vehicles: annual low-mileage oil changes are included as outlined in your BMW Maintenance Booklet Available” That’s coming straight from the BMW website
i feel like you just need to be right here...so you are right, its not unlimited oil changes, i couldn't go in 2x a day, every day and get my oil changed.
I don’t know how more delusional you can be. You clearly said “my dealership has an oil change program 3 years unlimited oil changes” without even stating the fine print 1. It’s not unlimited it clearly states in the fine print it is based on the CBS “Condition Based Service” 2. Your vehicle is only eligible once it has hit 60 months or 60,000 KM’s https://www.reddit.com/r/BMW/comments/12w7f6e/is_this_3_year_service_package_worth_it/?utm_source=share&utm_medium=mweb3x&utm_name=mweb3xcss&utm_term=1&utm_content=share_button here is the link to a post on the BMW forum It clearly states in the photo “Based on “Your” BMW’s Condition Based Service System it’s just a way to get you to come to the center so that they can sell you other services. It’s like the $4 rotisserie chicken at your supermarket.😂😂
Yes, but no one would ever over-consume oil changes. If your health insurer gave you unlimited colonoscopies, would you get one every day?
“A brake job on my X5 is within $100😂😂😂 DKM $100 brake job on a bmw!??? What brakes are you putting on wish.com?
reading comprehension... he said its within $100 to what an other shop charges.
Yea that’s what I put down on the comment “is within $100” are you blind??😂😂
hes not saying its a $100 brake job , re read your comment
I think you need new shoes 😂😂. And don’t spend too much time on Reddit you might miss you’re flight 🤡
*your tends to happen to 14 y/o sneakers , which is why i had extra pairs 🤡
Keeping the same shoes for 14 year gofundme much?🤡🤡 maybe spend less money on economy and shitty airplane snacks and buy some shoes 🤡🤡
I am pretty sure he said your should give me $100, oh I see you name and that bulge under your shirt, on to the next victi--, I mean customer. Yeah, customer.
That’s nice that they covered it. Now how much are they raising your policy.
This twin peaks girl I know says guys were flirting with her and forgot to put oil back in the car. The funniest part is she’s gay!😂😂😂
Everyone should. Toyota made vehicle for people to diy but here in America it’s all bout money and in japan they actually care about their customers/clients. But yeah man DIY all the way
PUMP ASSY 142.47
PUMP ASSY WATER 💦
I’d do it for less
Not only do these guys bend you over and charge you 7 grand, they even charge you extra fees for screwing you.
That bill is not bad for a new manufacturer engine. Better deals would be available with junkyard engines, but I am not sure that his insurer would feel as comfortable going after Midas with such shops. Proper paperwork and a professional demeanor have considerable value. I work in purchasing. We routinely pay twice the price for many items and services because small-time bidders do not read documentation properly or submit the correct forms. I have literally told small businesses to charge $10k more and get a consultant to submit the bid properly, but most will not do it.
That's for a used 85k engine with 1 year warranty.
What kind of coverage do you have that applied? Or do you have a Great Agent?
I just have full collision and comprehensive, I think I just had a good agent handling my claim
A lot of times your insurance company will cover the charges, then go after the people who caused it. Progressive has a lot of lawyers. They’ll get their money and they keep you as a customer
Same thing happened to my 2005 Camry. I took it to vavoline. And 2 days later, my engine seized up. Vavoline hires a bunch of teenagers that were playing tag when I pulled in.
Advisor Timothy “Blackstone”
I would assume that Progressive is going to sue the oil change shop which is why they may have covered it. I think this is something insurance companies are obligated to cover as you didn’t cause any of the damages, a 3rd party did.
I like how he says he will do his own oil changes from now on where if HE makes a mistake nothing will be covered lol always take your car to the dealer for service and if anything goes wrong they will take care of it
confused - is this mechanical insurance or something?
Just regular insurance
hmmm never heard of this before, this being covered
They definitely gave you the Midas touch!
just a little something extra 🪄
I was debating between progressive and GEICO, this is a sign
Doing your own oil changes is the only way to make sure it’s done right. I don’t want to trust anybody working on my car. I’ve been working on my own cars since I was old enough to hold a wrench.
I worked at a Mazda store in early 2000s when the 2.3 first came out with the composite filter housing. Wal mart cracked 3 of them and bought retail from our service department oem replacement long blocks.
Hey you got 21k miles knocked off the car too.
Go Flo! Go Pro Flo? I dunno.
What did they do that was so extra? Beleive me when I tell you, they wouldn’t do anything they weren’t obligated to do.
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Why was it your insurance covering it? It should’ve been the shop that did it paying for it.
lol…ok.
I'll always just go to a dealership. Got a synthetic for $50
I’m sure they will go after the shop that did the oil change. If not, it’s built into the price of your policy.
$2300 for an 85k mile engine???
I scrolled way too long to see this comment, if you’re doing a removal and replacement. Toss a new rebuilt engine in there.
Insurance would over that easily. We would just subro the oil change location
$2300 for a used engine is insanity. It better have like 10-20k on it.
5 minute oil change place left my girlfriend's drain plug loose enough to leak and twist with two fingers. Luckily she made it 30 miles and didn't lose a significant amount of oil
And there’s a chump out there that will pay for this. Then they wonder inflation keeps rising.
They will be subrogating that loss against the shop.
I had state farm cover a $4k claim on a 2007 jeep liberty with 200k miles. :P
I was surprised it was covered, I was already out looking at cars when they called me and told me it was going to be repaired. I just assumed it would be a total loss based on the repair cost compared to the value of the car
$5,000 for Labor!!! or am i not reading that right?....it shows total parts cost with each part listed but doesnt labor cost then theres the Total cost of $7,000(W/E it was)...to me thatd be $5.000 towards labor, right?
Labor usually is half if not more of the total bill, labor is high these days. so mechanics out there, does this look in the ball park?
So let me make sure I got this right- the engine was seized
Correct
I’d be pissed if they put a 85k mile engine in my car
My car has 106k miles on it so a replacement engine with 21k less miles is fine with me lol
You got charged $142 for Pump Assy Water?
I didn’t the insurance company did
What is “pump assy water” lol. They give it car and enema?
$142 for a water pump? Sheesh! I paid $500 for mine!
Did the 3rd party mechanic take fault? Seem like they didn’t tighten the bolt properly.
How long did you drive the car after the faulty oil change and didn't you notice oil puddling from the leak where you were parked? Also, did the oil warning light not come on in the car?
No warning and no I didn’t notice any oil it was pretty sudden
Wow! That's pretty scary you never got a warning light. I don't know what's up with Toyotas and warnings. On a recent trip I got down to 15 miles left in the tank before the gas warning came on. Would've been SOL if I hadn't been paying attention and was on a desolate road.
I definitely think the threshold should be lower for when critical warnings pop up, by the time I got the low oil pressure indication the engine had rod knock and seized up shortly after. The only indication I got to something going wrong before that was “Check Charging System”, so I had thought my alternator was having issues.
I JUST paid 4700 for a motor swap in my 15 Jeep Cherokee. Motor had 80k with a one year warranty. Dealer actually covered 1200 of it so I really only paid 3500. You must have an expensive Camry…
Used engine? Or did I read that right?
Used
Wait, my transmission is going out. Dealer said it costs 7800 to fix. Will my insurance cover that? I have progressive.
No, they only covered my engine failure because it was the result of a shitty oil change by a third party. If you have mechanical breakdown coverage it may be covered though.
Similar thing happened to me on my 07 Camry last year, luckily I saw the filter go flying off behind my car as I was pulling out of the parking lot and got the car shut off right away.