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MrPatryk

join:2003-11-12
Warren, NJ

Pot Hole Help in NJ

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Hello
Any one that could help me fight this and get my $ back ?
I have a brand new 2012 BMW 535i with like 700 miles on it and I have hit a HUGE pot hole (at like 25 MPH) that's still there after a month now !
The tire alone was $550 (Run-Flat) and to fix the rim was $200 .

Bob4
Account deleted

join:2012-07-22
New Jersey
Reviews:
·Optimum Online

1 recommendation

You would have to show that whatever level of government was responsible knew about the pothole before you hit it and refused to fix it. And you'll never be able to show that.

I'd think you could get your insurance company to pay. What's your deductible?

For state roads, you can report potholes here - »www.state.nj.us/transportation/c···orm.shtm
Every time I've reported a pothole, it gets fixed within 24 hours.

EDIT: Just curious where the pothole was...

MrPatryk

join:2003-11-12
Warren, NJ
I did report it first on that website and then like 3 days later I have filled a claim with the state... the pot hole is still not fix its been over a month now. I took pictures and mailed them with my claim form.

The deductible is a $1000

Beezel

join:2008-12-15
Las Vegas, NV
reply to MrPatryk
Not sure about New Jersey, but some state have BS laws that prevent them from being liable for tire or rock damage. Can't remember which states have it.

Here in Las Vegas we have a problem with 4 inch manhole covers being popped up or flipped over. State law says the water company or state is not liable for tire damage. They say there are to many covers for them to be able to keep an eye on them. So they only get corrected when they are notified about the covers.

rody_44
Premium
join:2004-02-20
Quakertown, PA
reply to MrPatryk
Your problems have just started. Read the forums on bmw tire problems. especially regarding run flats.


CylonRed
Premium,MVM
join:2000-07-06
Bloom County
I have been reading Roundel for 2 years now (years prior I read it for a few years as well - had to belong to BMW CCA for HPDEs) and the only 'issue' some people have with run flats is performance. The older run flats have horrible handling characteristics. Many folks have stated that the newer ones are 100% better.

Those that don't like them simply state to switch to normal tires.

There are no other tire issues with BMW to my knowledge reading several BMW websites and the Roundel.

None of the above relates to a pothole problem the OP has...
--
Brian

"It drops into your stomach like a Abrams's tank.... driven by Rosanne Barr..." A. Bourdain

rody_44
Premium
join:2004-02-20
Quakertown, PA
Reviews:
·Comcast

2 edits
I didnt say it was related to his pothole issue. And yes the answer for some people is to go to regular tire. The problem is some bmws dont have any space for a spare. BMW also is known to use 2 seperate sizes in front and back against the run flat manufactures suggestions of rotating tires more often than regular tires. But it was bad enough that they made settlement on a class action law suit against them.»news.consumerreports.org/cars/20···uit.html


CylonRed
Premium,MVM
join:2000-07-06
Bloom County

1 edit
Several manufacturers don't have spares - this is not just a BMW thing. Those that buy cars with staggered setups know you can't rotate front to back when they buy the cars. If they don't realize this then are are pretty stupid. The staggered setup is for VERY specific models - normal setup is square all of the way around (it is also the preferred setup for HPDEs and all around performance).

Irregular wear is going to be caused more by driving hard and alignment issue more than not rotating the tires. As long as the tires are not rotational - they can be rotated side to side. So far - I have had non-rotational tires on my 330i with a staggered setup and guess what ------ no odd or uneven tire wear - even with a HPDE and car control clinic run on them.

His tire 'problem' has not 'just started'. The cars in the lawsuit are 3 series not a 5 series and from several years ago...
--
Brian

"It drops into your stomach like a Abrams's tank.... driven by Rosanne Barr..." A. Bourdain

Bob4
Account deleted

join:2012-07-22
New Jersey
Reviews:
·Optimum Online
said by CylonRed:

Irregular wear is going to be caused more by driving hard and alignment issue more than not rotating the tires.

Not true for front wheel drive cars.


CylonRed
Premium,MVM
join:2000-07-06
Bloom County
When was a 5 series or 3 series BMW a FWD????? Never and we are talking about a 5 and 3 series which are RWD the vast majority of the time (except for the few x drives).
--
Brian

"It drops into your stomach like a Abrams's tank.... driven by Rosanne Barr..." A. Bourdain

rody_44
Premium
join:2004-02-20
Quakertown, PA
Reviews:
·Comcast

1 edit
You did see where there was 150,000 people burned by bmw and run flats correct? Go to run flats and see how the warranty is voided if you dont rotate the tires and than explain how a person is supposed to rotate tires when the rear tires are not the same size as the front. And yes you can do away with runflats. That is if you want to drive around in a car with no spares and with a car that most tire shops dont stock tires for. These cars and the northeast roads dont go well together.


CylonRed
Premium,MVM
join:2000-07-06
Bloom County
And again - those buying the cars know this - run flat, no spare. The lawsuit was for 3 series and his is a 5 series. This was also several years ago - and again - this is not the start of tire problems for the OP.
--
Brian

"It drops into your stomach like a Abrams's tank.... driven by Rosanne Barr..." A. Bourdain

Bob4
Account deleted

join:2012-07-22
New Jersey
You'd think that someone who could afford a $50,000+ car wouldn't be so bummed out about a damaged tire and wheel.

rody_44
Premium
join:2004-02-20
Quakertown, PA
Reviews:
·Comcast

1 edit
My brother in law paid 65000 for his. And no bmw never told him that he had no warranty on his 2000 dollar tires because it was impossible for him to rotate them. In fact bmw told him they were warrantied for a certain amount of miles. Dont remember what it was but in any case he was getting likes 6000 miles to a set with alighnment. He sold it about 6 months into it swearing he would never buy another bmw as long as he lives. Run flats have a warranty but that warrnaty is void if not rotated. They voided his warranty do to the fact he cant rotate them. it doesnt matter if its a 3 series or 5 series the fact is in the northeast our roads are NOT very friendly on any run flat low profile tires. They just dont have the sidewall flex to handle it. The op will find that out soon enough.

rody_44
Premium
join:2004-02-20
Quakertown, PA
Reviews:
·Comcast

3 edits
reply to CylonRed
Most people dont feel spending 2000.00 on tires every 12,000 miles or so is normal. but here is one of many links to the 5 series.»www.arfc.org/complaints/2011/bmw···lem.aspx Bottom line is tho run flats are not any good on our roads here in the northeast. They just dont have sidewall flex or the suspension to handle these roads. but i still believe the op is just beginning his tire adventiures with his car.
Expand your moderator at work


nunya
LXI 483
Premium,MVM
join:2000-12-23
O Fallon, MO
kudos:12
Reviews:
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·surpasshosting
reply to MrPatryk

Re: Pot Hole Help in NJ

You'd have a really tough time with this. You'd have to prove that state was negligent *before* the incident (e.g. they knew about the pothole).

Just one of the hazards of being a driver. It doesn't matter what kind of car or how much it cost. I think we've all been in this position at one time or another. Around here, it's usually junk or debris in the road.

The only protection you can have is insurance. You may want to check on your deductible though. There's a difference in claim types. This could fall under "Comprehensive" coverage, which often has a lower deductible than liability or collision.
For example, my deductible is $500 on my vehicles, but the comprehensive deductible is $100.

Let's say a rock breaks my windshield or I hit a deer. This is covered by comprehensive coverage. I only pay the $100 deductible. This is "peanuts" to an insurance company. No people were injured. No other vehicles were damaged.

I can't imagine driving around in a new car without comprehensive coverage. You may want to call your agent to see if this may be covered on your policy.
--
If someone refers to herself / himself as a "guru", they probably aren't.

Bob4
Account deleted

join:2012-07-22
New Jersey
It's already been established that his damages were less than his deductible.

Insurance in NJ is incredibly expensive. He's probably already paying $2000 per year for insurance. $100 deductibles are unheard of.


nunya
LXI 483
Premium,MVM
join:2000-12-23
O Fallon, MO
kudos:12
Reviews:
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Apparently you didn't take the time to read my post thoroughly.

There is a big difference between a liability / collision deductible and a comprehensive deductible?

If someone is driving around in a 2012 BMW w/o comprehensive coverage he either paid cash for the car and/or is crazy.
Most loans or leases will require comprehensive coverage.

Insurance is expensive everywhere. Try paying for full coverage on commercial vehicles. It's a racket.
--
If someone refers to herself / himself as a "guru", they probably aren't.

Bob4
Account deleted

join:2012-07-22
New Jersey
I mentioned insurance days ago and he said he has a $1000 deductible. I'm sure he was talking about comprehensive coverage. Sheesh.


nunya
LXI 483
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join:2000-12-23
O Fallon, MO
kudos:12
Reviews:
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Maybe I'm phrasing it wrong. Let's put it this way: "Other than collision" deductible. Typically much less than your "collision" deductible. My insurance company calls it "Comprehensive".


Comprehensive: In the event of hail damage or a tree limb falling on your car (risks not involving an automobile collision), this coverage insures you. Comprehensive coverage pays to repair your vehicle, subject to a separate deductible.


Most of the time, this type of coverage is required if you have a loan or lease. In addition, they may require uninsured motorist and under-insured motorist (especially on high value vehicles).

Even though I paid cash for my vehicles, I still carry this type of coverage. It's really not that much more than liability / collision. I think comprehensive adds like $7.00 a month to my bill.

You'd have to be a very unlucky person to have a $1,000 comprehensive deductible, but I guess it could happen.
Mine is only $100 per vehicle, but I've only had one claim (hail damage).
--
If someone refers to herself / himself as a "guru", they probably aren't.

Bob4
Account deleted

join:2012-07-22
New Jersey

2 edits
My comprehensive deductible is $500. The OP's is $1000. Why are you having such a problem with this?


nunya
LXI 483
Premium,MVM
join:2000-12-23
O Fallon, MO
kudos:12
Because $1000 for a comp deductible is absolutely unreasonable and outrageous.
--
If someone refers to herself / himself as a "guru", they probably aren't.

Bob4
Account deleted

join:2012-07-22
New Jersey
It's the buyer's choice. I think I used to have a $2,000 comprehensive deductible.


nunya
LXI 483
Premium,MVM
join:2000-12-23
O Fallon, MO
kudos:12
Reviews:
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·surpasshosting
That's insane. I could see having a $1,000 deductible on liability or collision to save money, or if you had a poor driving record - but not on comprehensive coverage.

I know people who have had several claims on their comprehensive and their deductible is still only $250.
--
If someone refers to herself / himself as a "guru", they probably aren't.

Bob4
Account deleted

join:2012-07-22
New Jersey
Reviews:
·Optimum Online
You can choose whatever deductible you want. Auto insurance is very expensive in NJ. I think we're the highest in the nation. I pay $2000 per year for two cars, and that's with a $2,500 medical deductible. Higher deductibles lower premiums. This is not rocket science.

rody_44
Premium
join:2004-02-20
Quakertown, PA
Reviews:
·Comcast
Yea but it makes no sense to have a 1000.00 deductible on comprehensive. Collision it does. I really think the op is mixing up the two. We wont know unless the OP comes back. Just for shits and grins i went online to see how much i could save by upping mine from 250 to 1000.00. It was 2 dollars a year

rody_44
Premium
join:2004-02-20
Quakertown, PA
Reviews:
·Comcast

3 edits
reply to Bob4
You are NOT the highest in the nation. Im from the suburbs of Philadelphia. Hell i know a lot of people that register their cars in New Jersey and insure their vehicle as such just because you ARE A LOT CHEAPER THAN US> You aint even close to philadelphia and new york in what you pay. 2000 a year for two cars isnt shit compared to us. No infractions and liability only on my ranger (commercial is 1800 a year). Wifes car full coverage is like 1478 a year with zero points on record and we are both over 50. So we are paying over 3200 a year with full coverage on one and minimum on one.


dennismurphy
Put me on hold? I'll put YOU on hold
Premium
join:2002-11-19
Parsippany, NJ
kudos:3
Reviews:
·Verizon FiOS
It also depends on where in NJ you are.

When I lived in Hudson County, I paid almost $4k a year for one car, one driver (I was under 25) with no accidents.

When I moved to Morris County, it dropped in half. When I got married (was still under 25), it dropped in half again.

Now I pay $950/yr for my wife's SUV with full coverage, very high limits and low deductible. (My car is a company vehicle so they pay insurance for it ...)