I was cleaning the dash of a modern Mercedes with “Hyperscreen.” I used too much liquid cleaner. It seeped behind the bezel and shorted out the Body Control Module (BCM). The screen went black. The dealer quote is $5,200. I claimed it as “Accidental Damage.”
Key Takeaways
- Modern Cars are Tech Risks: In 2026, detailing isn’t just cleaning; it’s working around sensitive electronics. A spray bottle is a liability weapon.
- Garage Keepers Comprehensive: This falls under Garage Keepers because the car is in your care. “Comprehensive” covers non-collision damage, like water intrusion.
- The “Workmanship” Argument (Again): The adjuster might argue you used “improper techniques” (spraying dash directly vs. towel). You must frame it as an “Accidental Spill” rather than “Intentional Cleaning Method” to trigger coverage.
- Diagnostic Logs: New cars log moisture errors. The dealer will know it was liquid damage, so don’t lie and say “it just died.”
The “Why” (The Trap): Care, Custody, Control
Just like the burned paint, the BCM is part of the car in your custody.
General Liability denies this instantly.
Garage Keepers is your only hope.
However, because you caused the damage while working on it, the adjuster looks for the “Faulty Work” exclusion.
- Defense: “I tripped and the bottle spilled” (Accident -> Covered).
- Bad Defense: “I sprayed the dash and it broke” (Bad Workmanship -> Denied).
The Investigation: “I Called Them”
I asked adjusters about “Fried Electronics.”
1. Garage Keepers (Direct Primary)
- Verdict: Likely covered, subject to deductible. This is treated similarly to spilling a drink in the car.
2. Dealership Warranty
- Verdict: Void. Liquid damage voids the factory warranty immediately.
3. Electronic Repair Shops
- My Analysis: In 2026, many modules are “VIN Locked.” You can’t just swap in a used one; you need the dealer to program it. This drives the cost up and makes insurance necessary.
Comparison Table: Water Damage Coverage
| Scenario | Policy Type Needed | Probability of Payout |
| Window left open in rain | Garage Keepers | High (Negligence) |
| Sprayed dash directly | Garage Keepers + Workmanship | Medium (Technique debate) |
| Spilled bucket in footwell | Garage Keepers | High (Accident) |
Step-by-Step Action Plan
- Disconnect Battery: If the screen flickers, pull the negative battery terminal immediately to prevent further shorting.
- Dehumidify: Put a commercial dehumidifier in the car for 24 hours. Sometimes, drying it out saves the module before corrosion sets in.
- File Garage Keepers Claim: Be honest but specific: “Liquid accidentally entered the component.”
- Review Protocols: Change your SOP. Never spray dashes directly. Spray the towel, then wipe.
FAQ
Q: Can I use rice?
A: No. Rice dust gets into the vents and makes it worse. Use silica packs or a machine.
Q: Does “Bailee Coverage” apply?
A: Yes, Garage Keepers is a form of Bailee coverage (coverage for goods held in trust).
[IMAGE: Warning graphic: “Spray Towel, Not Dash.”]