Having accident causing persons insurance replace aftermarket parts

[Chuckls]

So last night I was merged into (essentially pit maneuvered) into a ditch, onto the oncoming traffic side of the road, and then back into the ditch.

The incident damaged my Rays 57CRs, my Verus from splitter, front bumper, Veerus Endplates, Rear bumper, and STi exhaust I think.


How do I go about making sure the causee's insurance replaces said items? This is my first accident claim.


Also, I'd be going after them for Depreciation as well.


[ame]https://www.youtube.com/watch?v=RVG5XKhHKCc[/ame]

[p1l0t]

Originally Posted by Chuckls

So last night I was merged into (essentially pit maneuvered) into a ditch, onto the oncoming traffic side of the road, and then back into the ditch.



The incident damaged my Rays 57CRs, my Verus from splitter, front bumper, Veerus Canards, Rear bumper, and STi exhaust I think.





How do I go about making sure the causee's insurance replaces said items? This is my first accident claim.





Also, I'd be going after them for Depreciation as well.

You'll need receipts for all those things.

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[HaXx]

Originally Posted by Chuckls

So last night I was merged into (essentially pit maneuvered) into a ditch, onto the oncoming traffic side of the road, and then back into the ditch.

The incident damaged my Rays 57CRs, my Verus from splitter, front bumper, Veerus Canards, Rear bumper, and STi exhaust I think.


How do I go about making sure the causee's insurance replaces said items? This is my first accident claim.


Also, I'd be going after them for Depreciation as well.

glad ur ok friend. if you can provide receipts, that will help you a ton. if not, compile a list of the products you have that were damaged, with their prices and a link to prove thats their proper price. you might not get 100% back if you cant provide a receipt. but you can also ask the insurance people these questions. thats what they get paid to do. theyre not out to screw you, they just want to be done with you asap, and make sure theyre not being taken advantage of.

they might say "ok we'll give you $1000 for the aftermarket parts that were damaged" then you have to provide proof that what you have is worth wayyyy more than that, ie links to the items new for sale etc.

once again, glad ur ok. if you wound up with a broken leg...

[B-R-Z]

I really need to get a dash cam.

It's good that your insurance isn't on the line as I think it would be harder to get your stuff covered unless it was specifically endorsed. As everyone else said, the more you can prove the better. Receipts, pictures, shop slips for labor, etc. If the other insurance carrier gives you a hard time with the aftermarket parts, bring this up with your insurer and they may be able to weigh in to argue your case. Good luck

[Stomachbuzz]

Most people will simply tell you to get an attorney for this.
I'm not a fan of those people, but sometimes it is the right move.

I always handle my own insurance claims because I am persistent and competent, and apparently have a weird fetish for pain.

If you can't be bothered to deal with the insurance company yourself, then you need to find someone to represent you.

This being said, an attorney won't be interested if there isn't at least moderate personal injury.
An attorney takes their fee from the insurance payout for pain and suffering, not usually property damage.

Onto the aftermarket parts:
I had an identical situation with a motorcycle I had. A very nice, older bike that had a market value far above its "book value". Additionally, it was nicely modified with aftermarket exhaust, excellent Corbin seat, racing suspension, upgraded brakes, etc. In this situation, the bike was totaled.
The insurance company initially offered me $750 due to 'book value'.
I declined their generous offer.
This particular adjustor, as with many others, was not rude or aggressive, but simply said "that's all I can do until you provide me with documentation that shows the property damage is much higher".

So I hunted down dealership and ebay listings (only the actual sold ones matter) for the bike, and then tallied up MSRP for the aftermarket items.
I eventually added up the extras to ~$3k. Which is somewhat significant for an older bike.

I believe we settled on a compromise of like 50% (can't remember) of the MSRP of the items. In this situation, 100% value wasn't appropriate.

So I got ~50% of the $3,000, plus $1500 for the bike.

I did not provide receipts to the insurance company as I bought the bike modified, and never had the receipts. I just told them what the item was, and sent them an email with the weblinks.

Obviously, custom work is very hard to be reimbursed for. Although the bike had very time and cost intensive DIY work that added excellent value and utility, it just turned into a "if you can't put a dollar amount on it... "

So there ya go.
Be polite, but firm.
I always verbally expressed to the adjustor "I know your job is hard. I know you have a boss to report to. I get it. I'd like to make this as easy as possible for you. Here's every single document you need to justify to your boss what I'm asking for."

[86MLR]

With some insurance companies, if you haven't added the aftermarket parts to your policy they will not be covered.

Reason: the insurance premium is based of stock car, when you modify, these parts are not calculated for.

This is why you need to add all aftermarket parts to your policy, which, will typically add to the cost of your premium.

This also gets "sticky" with adding power parts of other items that require an engineering certificate.

Disclaimer: this is based of all the small print in Australian car insurance policies.

[p1l0t]

Originally Posted by 86MLR

With some insurance companies, if you haven't added the aftermarket parts to your policy they will not be covered.

Reason: the insurance premium is based of stock car, when you modify, these parts are not calculated for.

This is why you need to add all aftermarket parts to your policy, which, will typically add to the cost of your premium.

This also gets "sticky" with adding power parts of other items that require an engineering certificate.

Disclaimer: this is based of all the small print in Australian car insurance policies.

Except he is filing the claim with the other insurance and ultimately it doesn't matter either way.

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[Kiske]

First off Chuckles, ouch, fortunately she stopped so that is a good sign. Secondly, if not already done police report if not just to document everything. Cross your T's and dot your I's. It's amazing how some people can be so polite in person after an accident only to become a huge pain in the ass once reality sinks in later on. More so when they don't have to see you face-to-face.

So in the majority of these cases, you would report this to your OWN insurance company, supplying them with the police report, dash cam and the woman's contact, and insurance information. Your insurance company will be fighting on your behalf. Always go through them. Many people will try to deal outside of insurance and usually it just results in arguments and you getting screwed.

Yes, reporting aftermarket parts is something that you already should have been doing but, that doesn't mean her insurance company isn't liable to replacing them. Most companies have a built in policy including wheels and tires, with some anything up to a certain dollar amount is included. You will have to check your policy or speak with your agent for details.

With that out of the way, YOUR insurance company will be handling the repairs and whom you will be working with. After that bit they will then go after her insurance company for the costs and argue it out.



So like any other accident do some leg work and get a few repair quotes from independent shops and a few of their recommendations. When you do so you may want to take any receipts for parts along with you as you will need the bodyshop's estimator to include these in your estimate. Many will understand as they are car people too.

Your insurance company will likely send out their own adjuster to look at and underwrite the repair cost. Do the same thing with the adjuster, provide receipts and even walk him through the car and the Ts' special edition features.

In the end you will have an army of quotes that you may then use to make sure the estimator isn't low-balling you or the shop that will be doing the work.

Check over the estimates. If shop A, B and C all say it will take 1.5 labor do do something and the adjuster has 0.2 labor. Talk with them, find out why. Try to be respectful and kind and you can usually get them working more in your favor. The end goal is to get the repair done correctly the first time and to standard of how the car was before (or better.) Don't try to bullshit them into free-upgardes as they will pull time from elsewhere in the estimate, effecting the shop doing the work. Happy shop, happy insurance, happy client.

Pull your parts and screen shot any receipts of website selling the part. That way you don't have to try to find something on the spot. Some adjusters will just have you email everything to them. The only part they might try to weasel on is the STi axelback due to how much of a bitch it will be to find one. Talk with them and they may even be willing to let you order the parts with reimbursement. Most insurance companies and repair shops don't like to deal with places like japanparts.com simply because it's a bit more of a hassle to them and outside of their usual operating procedure. Also make sure to pre-quote things like freight/shipping. The more through you can be the better, just try not to step on any toes.

[Clutch Dog]

I had a totaled 2.5rs a few years back and the insurance company said they would pay me blue book for the car which was liek 2500 at the time.
it was extensively modified, so I had to bring them paperwork showing parts purchased and installed, and THEN give them price quote for similarly milaged cars on street value

they eventually paid something like 7 grand for it and let me buy it back to strip down categorizing it as a a "special function vehicle"

so I reckon its the same, you gotta show proof of parts purchased and installed for them to give you more

[Dave-ROR]

Originally Posted by p1l0t

Except he is filing the claim with the other insurance and ultimately it doesn't matter either way.

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Ah but it does. They will refer him back to his insurance to pay for the customized parts.

It's happened many many times included to several people that I personally know. Now some got lucky, others didn't. Generally it falls in line with who the insurance provider is.. ABC Insurance Co is far less likely to cover anything they don't need to than Allstate is.

Hell Geico tried to only pay me 20% of damages for an accident where their insured was drunk and ran a red light. Their logic was that I hit his rear axle so he was "mostly through the intersection so had the right of way". They lost that fight but generally they will try to fight anything that increases their cost.

[Tcoat]

Originally Posted by Dave-ROR

Ah but it does. They will refer him back to his insurance to pay for the customized parts.

It's happened many many times included to several people that I personally know. Now some got lucky, others didn't. Generally it falls in line with who the insurance provider is.. ABC Insurance Co is far less likely to cover anything they don't need to than Allstate is.

Hell Geico tried to only pay me 20% of damages for an accident where their insured was drunk and ran a red light. Their logic was that I hit his rear axle so he was "mostly through the intersection so had the right of way". They lost that fight but generally they will try to fight anything that increases their cost.

With the understanding that the rules vary depending upon company and location anybody here would not have a hope in hell of collecting for undeclared parts or mods. If you sign the contract stating your car is worth XXXX dollars and pay premiums on that amount that is the insurance value that is covered. If you come back after an accident and say "well I had $5,000 worth of extras on there" then they will just say you are shit outta luck. Again understand that things vary but it costs me around an extra $10 a year to insure my $3,000 in mods. If the car is totaled I get that paid without any fight since they are part of the agreed value of the car. People will pay thousands of dollars for wheels or parts but balk at an extra few dollars to insure them which makes no sense to me.

[Jordanwolf]

Originally Posted by Tcoat

With the understanding that the rules vary depending upon company and location anybody here would not have a hope in hell of collecting for undeclared parts or mods. If you sign the contract stating your car is worth XXXX dollars and pay premiums on that amount that is the insurance value that is covered. If you come back after an accident and say "well I had $5,000 worth of extras on there" then they will just say you are shit outta luck. Again understand that things vary but it costs me around an extra $10 a year to insure my $3,000 in mods. If the car is totaled I get that paid without any fight since they are part of the agreed value of the car. People will pay thousands of dollars for wheels or parts but balk at an extra few dollars to insure them which makes no sense to me.

I've had multiple insurance companies 'verbally tell me' that any modifications cannot and will not be covered. I was unaware there would be any willing to cover mods.

[Summerwolf]

I've always just supplied receipts. I've had dealings with a few different companies (including my own) and the only people who have ever fought with parts and value was my own. I had an adjuster tell me the wheels and tires didnt help my valuation one time, so I told her that's fine I have the originals I could throw on with snow tires. She then said that would reduce my valuation. Insurance companies are oftentimes tricky to deal with, but being as calm and cool as possible often helps. If you need to, involve your own insurance or a lawyer when it starts going south.

[Tcoat]

Originally Posted by Jordanwolf

I've had multiple insurance companies 'verbally tell me' that any modifications cannot and will not be covered. I was unaware there would be any willing to cover mods.

I called my broker up. They said what are the mods and how much do they cost? I told them and they said OK that will be $10 a year. It was that easy. Couldn't even tell you what the actual company is since it changes from year to year depending on what the best deal my broker can get me.