Insurance for upgrades?
#23
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iTrader: (4)
The sub frame behind that wheel is aluminum. It is strong but it does have some weak points that might crack. (expensive)
The sub frame bushings are liquid filled, and are prone to failure. (expensive)
I would not be optimistic about and insurance surplus. I recommend that you wait until everything is repaired and you are certain that it rides and handles like it should, before modding anything.
Time will tell.
The sub frame bushings are liquid filled, and are prone to failure. (expensive)
I would not be optimistic about and insurance surplus. I recommend that you wait until everything is repaired and you are certain that it rides and handles like it should, before modding anything.
Time will tell.
Last edited by JCat; 11-12-2015 at 05:20 AM.
#24
New Member
iTrader: (2)
Is your car paid in full? If not, the insurance company will be writing a check to you and to the lien holder. That could complicate getting the car fixed with upgraded parts. If there is no lien holder, you are free to do anything you want with the money, including not getting the car fixed if that is what you want to do.
#28
Registered User
iTrader: (15)
Is your car paid in full? If not, the insurance company will be writing a check to you and to the lien holder. That could complicate getting the car fixed with upgraded parts. If there is no lien holder, you are free to do anything you want with the money, including not getting the car fixed if that is what you want to do.
I had lien (auto loan from Wells Fargo) on mine several years ago when my front bumper got hit from the left and blew the driver's airbag. Bill was ~$7K (airbag and seatbelt stuff is $$$$) and Allstate sent me the check in the mail. Maybe it varies by state and/or company?
#30
Registered User
iTrader: (15)
Allstate was pretty cool with it. A few days after I had the first check they called and asked if I had missed any work because of the crash. My car was actually stationary when I was hit, but the airbag blew and tagged my right thumb pretty hard, so I took a few nights off (I'm a neurosurgery RN). They didn't even ask for any proof and sent me another check for the missed shifts.
#32
Registered User
Your rates should not go up just because you replace OEM parts with aftermarket ones. Now, if there is a habit of regular accidents to you car over the span of a year, then yes, it will go up as you will be classified as a higher liability.
My old car was involved in a accident, through no fault of my own, my motor was wrecked due to the the front impact, Statefarm looked it over, cut me a check, i deposited it the bank, ordered a used motor from a shop and also had a custom turbo built and installed along with the motor. After all the work was done, took it back to Statefarm where they examined the car to make sure the car run and operated within safety specs.
The claims rep was there too and looked over the engine. He asked me if the car was turboed from the factory, I told him it wasn't and that the turbo was just something extra I had done since the shop was going to be pulling the motor anyways. Claims rep laughed and let me go. My rates didn't go up 0.01.
The only thing Statefarm says to do when it comes to aftermarket parts is to hold onto ALL receipts for parts and labor done for aftermarket work.
My old car was involved in a accident, through no fault of my own, my motor was wrecked due to the the front impact, Statefarm looked it over, cut me a check, i deposited it the bank, ordered a used motor from a shop and also had a custom turbo built and installed along with the motor. After all the work was done, took it back to Statefarm where they examined the car to make sure the car run and operated within safety specs.
The claims rep was there too and looked over the engine. He asked me if the car was turboed from the factory, I told him it wasn't and that the turbo was just something extra I had done since the shop was going to be pulling the motor anyways. Claims rep laughed and let me go. My rates didn't go up 0.01.
The only thing Statefarm says to do when it comes to aftermarket parts is to hold onto ALL receipts for parts and labor done for aftermarket work.
#33
New Member
iTrader: (4)
Yeah, definitely learned the lesson but must say it was a ton of fun. It's just money and I'm glad I physically wasn't hurt. Definitely hurt seeing damage done to the Z though.
@350z82 yeah, my insurance company is letting me take the the Z to a shop of my choice which is a drifting team shop in the area here that is pretty reputable and they told me to have them fax an invoice to them and they'll cover it. It's under $1000 I'll pay it with no claim, but if it's over $1000 then it'll be a claim and I pay the deductible and they have the rest.
@350z82 yeah, my insurance company is letting me take the the Z to a shop of my choice which is a drifting team shop in the area here that is pretty reputable and they told me to have them fax an invoice to them and they'll cover it. It's under $1000 I'll pay it with no claim, but if it's over $1000 then it'll be a claim and I pay the deductible and they have the rest.
Just because you didn't have the insurance pay out anything still means you had a 4pt collision (4pts on your license in insurance terms), which is internally logged as an accident and a claim that required no payout.
Friendly suggestion...big mistake to notify your insurance company BEFORE you do your own research.
Maybe your insurance company is different, but I've seen this situation first hand play out in ways that always shocked the driver.
Last edited by savedbygrace; 11-14-2015 at 06:44 PM.
#34
New Member
iTrader: (4)
Your rates should not go up just because you replace OEM parts with aftermarket ones. Now, if there is a habit of regular accidents to you car over the span of a year, then yes, it will go up as you will be classified as a higher liability.
My old car was involved in a accident, through no fault of my own, my motor was wrecked due to the the front impact, Statefarm looked it over, cut me a check, i deposited it the bank, ordered a used motor from a shop and also had a custom turbo built and installed along with the motor. After all the work was done, took it back to Statefarm where they examined the car to make sure the car run and operated within safety specs.
The claims rep was there too and looked over the engine. He asked me if the car was turboed from the factory, I told him it wasn't and that the turbo was just something extra I had done since the shop was going to be pulling the motor anyways. Claims rep laughed and let me go. My rates didn't go up 0.01.
The only thing Statefarm says to do when it comes to aftermarket parts is to hold onto ALL receipts for parts and labor done for aftermarket work.
My old car was involved in a accident, through no fault of my own, my motor was wrecked due to the the front impact, Statefarm looked it over, cut me a check, i deposited it the bank, ordered a used motor from a shop and also had a custom turbo built and installed along with the motor. After all the work was done, took it back to Statefarm where they examined the car to make sure the car run and operated within safety specs.
The claims rep was there too and looked over the engine. He asked me if the car was turboed from the factory, I told him it wasn't and that the turbo was just something extra I had done since the shop was going to be pulling the motor anyways. Claims rep laughed and let me go. My rates didn't go up 0.01.
The only thing Statefarm says to do when it comes to aftermarket parts is to hold onto ALL receipts for parts and labor done for aftermarket work.
If an insurance company is notified by the police that the fault is assigned to the insured (you), or if the company talks to both parties and internally determines that it was your fault (which is their perogative), then your rates will go up.
Drifting in an abandoned parking lot is a huge red flag to an insurance company...you do it once you'll likely do it again, so the risk is high that they'll have to pay for your thrill seeking...which they have no desire to do.
If they know how you wrecked your rates are almost guaranteed going up, whether you need them to reimburse you for anything or not. You could also be dropped at their discretion for being an irresponsible risk.
Saved
Last edited by savedbygrace; 11-14-2015 at 06:50 PM.
#35
Registered User
Drifting in an abandoned parking lot is a huge red flag to an insurance company...you do it once you'll likely do it again, so the risk is high that they'll have to pay for your thrill seeking...which they have no desire to do.
If they know how you wrecked your rates are almost guaranteed going up, whether you need them to reimburse you for anything or not. You could also be dropped at their discretion for being an irresponsible risk.
Saved
If they know how you wrecked your rates are almost guaranteed going up, whether you need them to reimburse you for anything or not. You could also be dropped at their discretion for being an irresponsible risk.
Saved
#36
New Member
Geico cut me a check for getting sideswiped, and we are doing a ton of work on the car. My father-in-law is a body/paint guy, but even after the repairs we have tons left over to "play" with. There is no law requiring you to fix the car to OEM standards.
#37
1000 dollar deductible lololololololol.
I just lowered mine to 250. Cost 2 bucks more a month than 500.
If you deductible is a 10th of the cost of your car there is a problem
I just lowered mine to 250. Cost 2 bucks more a month than 500.
If you deductible is a 10th of the cost of your car there is a problem
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Slexis200
2003-2009 Nissan 350Z
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09-07-2002 09:52 PM