or Connect
EpicSki › The Barking Bear Forums › On the Snow (Skiing Forums) › General Skiing Discussion › Car rolled over my skis, how should I manage the insurances ?
New Posts  All Forums:Forum Nav:

Car rolled over my skis, how should I manage the insurances ?

post #1 of 15
Thread Starter 
So, on Sunday at the end of the skiing day, I was removing my skis and boots to put the on the car.

I left them for a moment in the parking slot just to the side of my car. probably 2-3 minutes.

A woman came and parked just in that slot, not seeing that my skis were lying there.

She rolled over the skis, and dragged one of them under her wheel.

The Skis are 05-06 Salomon Equipe 10 SC. I think these are wood core.

After some arguing, she accepted it was her fault and, we filled the European Accident/Dammage forms.

I called the lady's insurance and reported the case, they told me an expert will contact me soon.

The skis look scratched but they are not broken.

My main concerns are :
  1. Would it be safe to ski them ? There could be some internal dammage and they could fail when I am going down fast ?
  2. How should I handle the insurance expert ? I guess they have to do some X-Ray check or something ? Can I insist to have them replace with new ones, for probable invisible dammage ?
  3. Do you have had any case like this ? How did you manage it ?
Thanks for your answers
post #2 of 15
The skis are old...
If he'll behave like in a car accident, where one of the car is completely destroied, he'll probably offer you moeny compensation based on the actual value of the damaged / destroyed goods (thus not the retail one)
This if he'll accept your argument that the skis are unsafe to ski with, thus to be considered damaged beyond repair (I don't think he'll ask for xrays if he'll have to pay for it, the cost would be surely higher than the market price of the old skis), it seems a bit too far (also, asking this kind of questions and making such statements, with only three posts under your belt smells of trolling, sorry to say it so bluntly, but I don't know how to put it down nicely)

Get ready to talk, a lot, to convince him.
I were you, I'd make a phone call to your insurance agency and ask them for support...
post #3 of 15
Thread Starter 
She, accepted it was her fault, and she signed the insurance declaration of accident.

Here we all have a mandatory 3rd party liability insurance, her insurance has to cover all dammage she causes to 3rds. ( me ).

I would like to know if people here have had incidents of similarly damaged skis, how do they handled it, were the skis safe to ride ? which kind of tech controls can be made to them etc.

Thanks for the useful answers.
post #4 of 15
I know all that, I'm from just south of the Southern Swiss border and things work the same (more or less) way here.
I was merely pointing out that to prove that the skis are really damaged beyond repair will most probably be too much an expensive option for either of the two parties.
I think the expert/insurance agent will offer you a sum equivalent to what your skis are worth today (obviously the lowest possible figure)

And no, it's the first time I hear of such a thing. Anyone else?
BTW, I don't know if it's already been done but...
Welcome!
post #5 of 15
I've never heard of a pair of skis being run over by a car by accident, but I had a GF who bent her skis while skiing and drove over them to straighten them out. That didn't work out so well

That being said....its hard to be sure about the safety of the skis or the condition. I'm assuming that you're bases are messed up.

Can you post pictures?
post #6 of 15
Yesterday you had skis you could use, today you don't. She should replace them.

I'd say you wouldn't be happy for 2nd hand skis and since you don't have the skill/experience they'd have to have them expertly checked for any safety issues which would not make financial sense.

Equally these skis and especially the bindings are safety critical; unless they will guarantee their safety and effectiveness you'd hold them liable for and accident and medical issues arising.

As a gesture I'd offer to accept 90% of retail and provided they pay up quickly (14 days) you won't claim for rentals in the meantime.
post #7 of 15
Don't know if they're a total loss, I know I would claim they are.

I would ask your local ski shop guy if they can write something about the need to replace, I don't think the insurance people will dispute a ski tech. It would cost more for them to argue price than giving you replacement value (not exactly talking about a benz or personal injury).

I've gotta ask you this, what did you think would happen when you left your skies on the ground in a parking stall?

I know it's a total pain in the ass driving in a parking lot when people rest their skis and boards on the bumper or lay them down into traffic. Hello, hold them or stick'em in a snow bank.

It really sucks when this happens, but honestly, I feel more for the driver than the victim in this case.

Sorry, just an observation.
post #8 of 15
Give them a good hard flex. If nothing is crushed or delaminating, and the bindings are untouched, don't worry about it.

And don't put your skis on the ground in a parking lot and feel blameless.
post #9 of 15
Quote:
Originally Posted by Jag View Post

I've gotta ask you this, what did you think would happen when you left your skies on the ground in a parking stall?

I know it's a total pain in the ass driving in a parking lot when people rest their skis and boards on the bumper or lay them down into traffic. Hello, hold them or stick'em in a snow bank.
Yes, I tend to agree with you on that. Skis go in or on the car immediately unless all spaces around me are occupied. And it drives me batty when skis are strewn across the parking lot as I try to negotiate my way out of it. I can understand setting them down long enough to get the car open but not long enough to get your boots off.

However, since you got her to agree to fault I would ask for what it would to cost to replace with a like ski of similar age which honestly probably isn't much.
post #10 of 15
I don't get it. You left your skis on the ground ... unattended ... in a parking space ... and you're surprised they got run over? Seems to me that you bear some responsibilty for this "accident". But, if the insurance claim works, it's an interesting way to get a new pair of skis.
post #11 of 15
Thread Starter 
Thanks to you all, really useful information.

Just to clarify the event.

I just reached my car, put the skis out, and was leaning to remove my boots and she went trough the parking slot.

It was a matter of seconds.

She didn't even noticed she had dragged my skis under her wheels.

I had to run and make her signals to stop.

She was not parking in fact, sorry if I posted that incorrectly.

She was going out of the parking lot and instead of going by the normal exit way, she cut through the empty space to the side of my car.

She accepted the responsability and signed the papers.

In fact she'll not have to pay anything directly, we have a mandatory 3rd party liability insurance here, and that covers the dammage you cause to other people. Her insurance company would have to pay.

But now the insurance company would want to pay the least possible or not pay at all. So I have to be prepared to know what to say when they call me.
post #12 of 15
I have no idea how it would work in the country you are located in.

Is there room for appeal when some number for compensation is thrown at you?

Years ago here in Massachusetts, I got what I cionsidered fair compensation from my car insurer by --- essentially -- being ignorant of how the system worked, what the policy actually said and just being persistent in a letter writing campaign to everyone including the CEO of the insurance co.

I had absolutley no basis for what I eventually received but was able to get the insuirer to pay me enough --TO REPLACE--- with a similar vehicle and pay for a rental while we argued back and forth.

They were only obligated to pay the much smaller 'worth ' of the car.

The point is --- be persistent in what YOU are looking for as compensation which should be at elast enough to get you back into something similar.
post #13 of 15
As for the skiability of your skis, Salsa_Lover, I think you could still be fine. Last year I broke the woodcore of one of my skis, and I still use them intensively. I marked the ski which is damaged so I always put it on the same foot, since it does react a bit different (the tail is bent upwards a bit)

I think I still ski 70 days a year on these skis without any real problems. Good luck with the insurance!
post #14 of 15
I wouldn't worry too much, the forces you apply to them skiing are far greater then a car rolling over them. If they seem ok, they probably are.
post #15 of 15
Quote:
Originally Posted by newfydog View Post
Give them a good hard flex. If nothing is crushed or delaminating, and the bindings are untouched, don't worry about it.

And don't put your skis on the ground in a parking lot and feel blameless.
I've got to agree with that.
New Posts  All Forums:Forum Nav:
  Return Home
  Back to Forum: General Skiing Discussion
EpicSki › The Barking Bear Forums › On the Snow (Skiing Forums) › General Skiing Discussion › Car rolled over my skis, how should I manage the insurances ?