[JK479]

Originally Posted by M2siast

Yeah, I’m learning there are many differences with the insurance in the US. Glad to have our provincial one here… it’d be comprehensive here and no premium increase.

Even better if BMW covers it as a design flaw, though. I’m sure the dealer OP works for putting this as good will will start raising a flag if it happens more and more and BMW will pay attention.

By definition a rock is a Collision with a car. I curious to see your policy form and coverage in Canada.

[M2PDX]

Originally Posted by M_Power Rob

Zip ties in our climate do not last long outdoors. They dry up, become brittle and break. The addition of the proximity to the motor (heat) would just add to the deterioration of the zip ties.

For me this is a short term fix until a better option comes along.

If a .79 cent zip tip helps prevent a $1,600 bill, I'll be very happy!

[soflacarguy]

My understanding is if the rock came flying towards your car on the road it would fall under comprehensive.

Years ago while driving on the highway, a truck ahead of me ran over a piece of tire tread (at like 90 mph) ejecting it into my front bumper and cracked it in half.

Insurance claim fell under comprehensive.

[JK479]

Originally Posted by M2siast

By definition a rock is a collision with an object.

If the object is the road, or affixed to the road, it falls under collision (or if it's another vehicle, as well).

If the object is flying, it's comprehensive.

Here is BC's insurance:

https://icbc.com/insurance/products-...n-Optional.pdf

“collision coverage” means coverage for loss or damage caused by upset of a
vehicle or collision of a vehicle with another object, including, but not limited to,
(a) the surface of the ground, the roadway being travelled on or an object on, in,
under, over or adjacent to the roadway, including a road sign, guard rail, pier,
bridge or culvert or any body of water or waterway under or adjacent to the
pier, bridge, culvert or roadway,
(b) a pedestrian as defi ned in Part 3 of the Motor Vehicle Act,
(c) a vehicle attached to the vehicle, and
(d) cargo, including animals, carried in or on a commercial motor vehicle, the gross
vehicle weight of which exceeds 5,000 kg, or a commercial trailer,
and includes coverage for loss or damage caused by collision with another object
where the collision results from the presence on or adjacent to the roadway of
a domestic or wild animal, either living or dead, but there is no impact with the
animal;

“comprehensive coverage” means coverage for loss or damage other than loss or
damage to which collision coverage applies and includes coverage for loss or
damage caused by missiles, falling or flying objects, [...]

Interesting- thanks for sharing

[Rx-7ames]

Originally Posted by M2PDX

For me this is a short term fix until a better option comes along.

If a .79 cent zip tip helps prevent a $1,600 bill, I'll be very happy!

Exactly

[ZPD]

Originally Posted by M2siast

Premium increase? Well maybe things are different in the US.
I just replaced my windshield and will have no premium increase. Premiums only go up if it’s your fault. I thought it was the same in the USA.

I just went through this recently. Geico was charging more for M2 than my M850i which I daily drive. I started getting a new quote for all my cars and found that most was 30-40% cheaper than what I was paying now. My insurance had been creeping up the past several years and I just wasn't paying attention. Turns out that the insurance companies rates depend on the number of claims above or below $1000 not if it's your fault. I had 4 claims "under $1000" all of them were zero! 2 were windshield claims but the replacement was below my deductible, 1 was a tow for my son but he paid the tow truck directly (Geico roadside arranged the dispatch) and one was a question about if some road damage would be covered and they opened and closed the claim while on the phone with me. I did have an incident where I hit an animal 6 years ago and it was a $1200 claim. Overall these 5 claims ultimately raised my insurance by ~$3000 a year and I didn't catch on for a while. I have now switched companies and I am making an appeal with Lexus Nexus to get the 4 zero $ claims off of my record. The animal hit will fall off my record next June.

[RockCrusher]

Originally Posted by Rx-7ames

As the title emplies, am I the first one to buy a $1,600 rock? This topic has been spoke to of since as early as I can remember.

I drove to work today (I'm a BMW Client Advisor). I came out later to see a puddle of green coolant around my tire and all over my front bumper. Something wasn't right.

I got my car checked in to service and soon afterwards got a video showing a silver dollar sized rock had fallen out of my front bumper by the passenger auxiliary radiator.

A rock punctured my front radiator. It will not be covered by warranty. The bill is almost $1,600 to replace the radiator. I have 835 miles onmy M2. I drive 90% interstate to work every day. I do t tailgate or speed. I feel like this is an obvious design flaw by BMW. Who is going to fix this design flaw?

I'm a bit late to the party but that's -- to say the least -- unfortunate.

It is not a surprise the warranty would not cover the damage. The leak is not due to a manufacturing defect or an assembly problem. It is the result of a rock striking the radiator.

I see later in the thread your dealer has offered you some good will. That's nice and I'm glad for you but I don't think for those who will experience something similar can count on receiving good will from their dealer.

I didn't buy a $1600 rock but I bought about a $1600 tire carcass after running over one in my Boxster. (Out in the middle of nowhere Kansas at night.) The impact busted the lower hose connection. New radiator and some other things. Came to around $1600 and this was just a few years after I bought the car in 2002.

I didn't file a claim. Since the tire carcass was stationary I don't think it would have be covered under comprehensive and I was on vacation and didn't want to wait to have an insurance adjuster come see the car. I was having to stay in a hotel -- the dealer provided me a zero cost loaner car. I just wanted the car fixed.

FWIW I never had any rocks hit any of my Porsche radiators. But they were mounted at an angle and were not directly exposed to flying debris.

The M2 radiators are a bit more exposed. The condenser is also exposed.

Took a pic of M2's condenser (with less than 5K miles on the car). I hope it never takes a hit like your car's radiator but I fear it is only a matter of time...

Oh, I don't tail gate but there has been some construction going on a major road I drive almost every day. Lots of stuff -- dirt/small (and some not so small) rocks on the road. I hold my breath every time I drive through that section of road with the dirt/rocks on it.

[KevM2]

Was this a damage by a rock flying into the radiator from the front or from the bottom of the car? It’s ridiculous that I have an M car but I’m too scared to drive it fast or closer than 1232m to any cars in front because of a stupid oversight from BMW… I personally believe the reason isn’t an oversight but a necessity for proper cooling… that’s why they’ve instead placed a flimsy plastic grille right on top of the coolers… my own little air flow experiment showed a lot of air flow restriction with the radiator grille store grille… waiting to see what Zunsport will come up with soon

[Rx-7ames]

Originally Posted by KevM2

Was this a damage by a rock flying into the radiator from the front or from the bottom of the car? It’s ridiculous that I have an M car but I’m too scared to drive it fast or closer than 1232m to any cars in front because of a stupid oversight from BMW… I personally believe the reason isn’t an oversight but a necessity for proper cooling… that’s why they’ve instead placed a flimsy plastic grille right on top of the coolers… my own little air flow experiment showed a lot of air flow restriction with the radiator grille store grille… waiting to see what Zunsport will come up with soon

It was from the front, not the bottom.

[KevM2]

I really need to get around to installing my grille and then do some pulls and get IAT readings to make sure it doesn’t restrict cooling…. I suspect the radiator grille store one is too restrictive based on my flow measurements as well as looking at the grille structure itself- it’s too thick and it just doesn’t make sense when most people upgrade their charge coolers and intercoolers to get slightly improved cooling and tiny more power gain and then slap on a grille that might be reducing cooling area by 30%.

I may not get to trying this before storing the car for the season but I hope someone can test it and prove me wrong so I can install it worry-free

[Rx-7ames]

And I just found that Mishimoto makes auxiliary radiators with an optional stainless steel rock guard. This is very very tempting.

https://www.mishimoto.com/performanc...3-m4-2021.html

https://www.mishimoto.com/performanc...3-m4-2021.html

[KevM2]

Originally Posted by Rx-7ames

And I just found that Mishimoto makes auxiliary radiators with an optional stainless steel rock guard. This is very very tempting.

https://www.mishimoto.com/performanc...3-m4-2021.html

https://www.mishimoto.com/performanc...3-m4-2021.html

It is very very tempting indeed!! Do they offer one for the front radiator? Just found out CSF offers a heat exchanger that has rock guards:

https://csfrace.com/new-csf-high-per...eat-exchanger/

EDIT: I guess Mishimoto also has one for the front radiator too:

https://www.mishimoto.com/performanc...3-m4-2021.html

Will probably buy these for next Spring

[KevM2]

Originally Posted by Rx-7ames

And I just found that Mishimoto makes auxiliary radiators with an optional stainless steel rock guard. This is very very tempting.

https://www.mishimoto.com/performanc...3-m4-2021.html

https://www.mishimoto.com/performanc...3-m4-2021.html

I know the M2 shares the same parts as fhe M3/4 but do you know whether these for sure fit the M2?

[Rx-7ames]

Originally Posted by KevM2

I know the M2 shares the same parts as fhe M3/4 but do you know whether these for sure fit the M2?

I think it is the same part number for the M2/3/4. I'll double check tomorrow when the shop is open.

[Tag]

Kies installed the Mishimoto skit plate on a G87.

@14m44s.

[DrJLag420]

Got an email from Zunsport this morning. They put me on the list. Told me the grills will be available 4-5 weeks.

[julienjj]

This will happen over and over. We had a few G80 roll in the shop with damaged cooling units already.

Mercedes had that problem with the AMG GT side grille and made protection mesh they retrofitted for free.

[M2Cmtl]

Had this happen to a GTI years back. Shit happens. Same with the windshield, some people go through 40 years without ever replacing one. Some like me are less lucky.

[KevM2]

Originally Posted by DrJLag420

Got an email from Zunsport this morning. They put me on the list. Told me the grills will be available 4-5 weeks.

Go with Zunsport and be done with it or go with Mishimoto/CSF with their own steel mesh and kill two birds with one stone (no pun intended)… or both? Decisions decisions…

[Rx-7ames]

I confirmed today that the G87 uses the same auxiliary radiator as the G8X lineup. That includes the M4 CSL and 3.0 CSL. It's also the same part number for both sides.

That doesn't mean the Mishimoto auxiliary radiators will fit. They claim to be a higher capacity radiator, so if they are slightly bigger then maybe there could be a G87 fitment issue, but I bet they will fit.

[Kevin_The_Clean1]

The two lower side auxillary coolers on my X3 M are very exposed too. BMW should've supplied a screen protector just like they did on the condenser unit for other S58 powered cars. These two smaller radiators are very susceptible to all kind of road debris.

[DCC]

Originally Posted by DrJLag420

Got an email from Zunsport this morning. They put me on the list. Told me the grills will be available 4-5 weeks.

This is great news.
Hope they become available to all and not a selected few.