Frs got rear ended, Need tips

[Joyride86]

Originally Posted by MrDinkleman

Is Florida a no-fault state? Was it OP's fault somehow? Or was the guy in the truck uninsured and so OP's insurance will cover cost? I don't understand the concern about what OP's insurance might or might not pay for unreported aftermarket parts since the other guy and his insurance is on the hook for this (assuming it is his fault).

If you are assuming it is the other drivers fault, I think you are correct. No debate there. I think only if it's OP's fault will it matter regarding the aftermarket parts. I think some insurances require additional coverage for aftermarket parts that add to the cost/value. This way the car is adequately insured.

I don't think OP has conveyed the entire thing. We all start jumping to conclusions, lol. Which is why I said the questions he has are better answered by his insurance company.

[mav1178]

BTW, situations like this always require a reminder:

If you value your aftermarket parts and want to protect it, make sure your insurance company knows about it.

To not inform them and try to claim coverage when the policy excludes specific mods is fraud.

-alex

[timmydatooth]

Yeah ive already filed a claim with my insurance. They said they are still investigating who is at fault. Idk why when its pretty obvious. But anyway do i need to contact his insurance company or will they eventually contact me? I am also supposed to get reimbursed from them for this rental im driving.

[Joyride86]

Originally Posted by timmydatooth

Yeah ive already filed a claim with my insurance. They said they are still investigating who is at fault. Idk why when its pretty obvious. But anyway do i need to contact his insurance company or will they eventually contact me? I am also supposed to get reimbursed from them for this rental im driving.

Your insurance should pretty much handle all of it. Your insurance will try to get the story from you as well to make sure everything is consistent. Just protocol. I've had it happen to me, but I was hit from the side.

I hope you get everything that is owed to you. If you can get disminished value that would be even better. Sometimes accidents happen, but I know I would be a little upset initially. I got over it though.

[Packofcrows]

tops $3000 to repair imho

[olsonpg]

Seriously asking if its a total loss?

[timmydatooth]

Originally Posted by olsonpg

Seriously asking if its a total loss?

Well considering that the frame is bent and the exhaust is pushed in who knows what other type of damge there could be underneath the car.

[Tcoat]

Originally Posted by timmydatooth

Well considering that the frame is bent and the exhaust is pushed in who knows what other type of damge there could be underneath the car.

What makes you think the frame is bent?
As far as the exhaust goes I could probably kick it in that far. Doesn't even look like it snapped the hangers.

[timmydatooth]

Well i guess it looks worse in person than the pictures. But hey im expecting the worse and hoping for the best. I hope you guys are right and its not totalled. Ill updats you guys on what they say tomorrow

[Ashikabi]

I didn't read the whole thread but the damage isn't that bad. Since it'll be their insurance covering it, they should cover all parts damaged(same as if they hit your house or drove thru your fence which obviously isn't covered under your auto insurance). If it was your insurance they would just pay for stock

[Vampyre]

In Florida if an aftermarket part is in a factory location, it is covered, by either yours or theirs depending on fault. I have had aftermarket stereos stolen years ago...They were covered since they were in a factory location. You were rear ended, their insurance should cover everything, including a rental while your car is getting repaired.

[Clipdat]

In to see if they cover your aftermarket exhaust! And also I'm sorry your awesome 10 series got rear ended, I really love that color.

[Jonesy86]

Originally Posted by Tcoat

(Non confrontational tone)
Why is that BS? Why would they pay for more valuable items then they knew were on the car? If you told tem your premiums may go up $5 a year but then the value of the parts is covered. Hell they may even wave the increase but they sure are not gonna pay more that they think the car is worth stock.

All depends on the insurance company. Usaa was happy to replace everything that was aftermarket for me. I just had to bring proof of purchase. They even gave me the benefit of the doubt on my used parts with no receipts.

I am not out of the clear yet, (have not taken delivery) But I am confident that i will not be getting screwed... at least by usaa.... i am on the fence abiut the body shop.

[YamahaR86]

Florida dude here chiming in.

The other driver is at fault no matter what in FL. If you get rear ended in FL it's always their fault for not leaving enough room even if they brake check you.

Insurance should cover the aftermarket part to replace or write you off a check equaling how much the aftermarket part costs. I had my valenti lights on for 3 months and my car got hit while parked in a hit and run.


When you take your car into the insurance adjuster for them to assess the estimate of the damage, ask them if you don't believe me since that's where I got my answers from.