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insurance claim dispute over vehicle fault

Insurance claim dispute over JLR vehicle airbag ECU fault

Office Audio ยท 2026-05-27 16:00:02 to 2026-05-27 16:24:10

Review: Pending Review

Summary

Damoon argues that the airbag ECU failure in his JLR vehicle is related to a recent accident and subsequent repair in Germany, while the insurance company (represented by SPEAKER_01 and SPEAKER_00) claims it's a common fault not covered by policy. The conversation includes discussion of diagnostic reports, past repairs, and next steps for escalation. Damoon expresses frustration and plans to escalate to customer relations and possibly the financial ombudsman. The vehicle is deemed unroadworthy. Tasks include Damoon emailing the claim number to customerclaims and returning the hire car.

Facts

  • Car registration DG16 SSK
  • Car had an accident
  • Insurance repair shop worked on it
  • ECU fault diagnosed by main dealer
  • Main dealer says not related to accident
  • Vehicle had an accident and was repaired in Germany.
  • After repair, the driver's door stayed locked.
  • Later, the airbag ECU failed.
  • Insurance engineer concluded it's a common fault on JLR vehicles, not accident-related.
  • Vehicle is deemed unroadworthy by main dealer inspection.
  • Damoon has been with LV for 13 years with no previous claims.

Tasks

  • Book car for diagnosis at garage
  • Get a report for insurance
  • Damoon to email customerclaims with claim number 72715087
  • Customer relations team to handle complaint within 8 weeks
  • Hire car to be returned

Issues

  • Insurance dispute over cause of ECU fault
  • Dispute over whether airbag ECU failure is related to accident/repair or wear and tear
  • Damoon feels unfairly treated and plans to escalate