screwed up the car---got some questions
Registered User
Joined: Nov 2003
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From: Boca Raton, Florida
I don't think it matters about a police report but, Insurance cos never like to pay. Rise in premium probably assured. Also, if you have aftermarket rims, that might save them some cash. Believe it or not, the factory 18s cost $1438.00 each no tires included..........
:-(
p.s., Surprised at 140+/- views and only two replies? What up with that fellow members?
:-(
p.s., Surprised at 140+/- views and only two replies? What up with that fellow members?
Registered User
Joined: Mar 2004
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From: NYC
Unless you informed your insurance company of the modifications, they will most likely not pay for replacing or repairing your aftermarket parts.
The catch is, that if you DO tell them that you're installing body kits, superchargers, etc., they raise your premium or cancel your policy.
Get a quote on how much it will cost to fix or replace the parts you damaged. Then make an educated decision on whether to submit a claim to your insurance company. Keep in mind that you probably have a deductible.
Good luck. And drive more carfuly next time.
The catch is, that if you DO tell them that you're installing body kits, superchargers, etc., they raise your premium or cancel your policy.
Get a quote on how much it will cost to fix or replace the parts you damaged. Then make an educated decision on whether to submit a claim to your insurance company. Keep in mind that you probably have a deductible.
Good luck. And drive more carfuly next time.
Thread Starter
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Joined: Feb 2003
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From: brooklyn ny(rutgers college)
yeh...well i guess there have been a lot of accidents lately and people are tired of writing about insurance co's
thats what i was thinking about the aftermarket parts..some are even cheaper than the stock ones...but im scared that they might say that we arnt paying for anythign cause thats not what is supposed to be on teh car
i guess ill just have to find out for myself
thats what i was thinking about the aftermarket parts..some are even cheaper than the stock ones...but im scared that they might say that we arnt paying for anythign cause thats not what is supposed to be on teh car
i guess ill just have to find out for myself
New Member
Joined: Apr 2003
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From: Redondo Beach
No police report is required, simply tell the insurance company what happened. Your insurance premium will increase for the next policy period, most insurance companies view this as an at-fault accident.
As for the aftermarket parts, more than likely they will only pay for the stock pieces, unless you stated in your insurance policy all the extra parts you wanted to insure, before this accident.
In the end all you should have to pay for is your collision deductible and thats it.
Sorry to hear that great looking Z in your sig is damaged, pm me if you need more info on what to do or how to handle this. Oh by the way I used to work for a insurance company.
As for the aftermarket parts, more than likely they will only pay for the stock pieces, unless you stated in your insurance policy all the extra parts you wanted to insure, before this accident.
In the end all you should have to pay for is your collision deductible and thats it.
Sorry to hear that great looking Z in your sig is damaged, pm me if you need more info on what to do or how to handle this. Oh by the way I used to work for a insurance company.
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Thread Starter
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From: brooklyn ny(rutgers college)
if i didnt do anything besides cosmetic i will most likely pay out of pocket
otherwise who knows how much the damage could be...
what kind of work is entailed if i bent an axle
otherwise who knows how much the damage could be...
what kind of work is entailed if i bent an axle
Just turn in a claim describing the damage. The insurance company will pay it (don't know about aftermarket stuff).
I have triple A and, when we've had an accident, (I've never had one but my wife & boys have had 4 over 24 years), I just take the car to an AAA approved body shop and have the shop prepare & estimate for triple A.
Yes, your rates will go up but your car should be good as new.
I have triple A and, when we've had an accident, (I've never had one but my wife & boys have had 4 over 24 years), I just take the car to an AAA approved body shop and have the shop prepare & estimate for triple A.
Yes, your rates will go up but your car should be good as new.
Thread Starter
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Joined: Feb 2003
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From: brooklyn ny(rutgers college)
i have allstate...after i asses the damage tomorrow i will figure things out....if i go through insurance ill let you guys know if they hassle me about aftermarket
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sorry to hear that
no i dont think a police report is required if no other car was involved
what is you dectuable?
i hate to say it but sometimes depending on the damage its better to bite the bullet and pay for it out of pocket because you will come out better in the long run insurance wise
no i dont think a police report is required if no other car was involved
what is you dectuable?
i hate to say it but sometimes depending on the damage its better to bite the bullet and pay for it out of pocket because you will come out better in the long run insurance wise
Thread Starter
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Joined: Feb 2003
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From: brooklyn ny(rutgers college)
yeh i know....
new bumper=around 600 painted
new fender=350 painted
new wheel and tire=700
new windshield (yup..it cracked...dont know how)
new sideskirt painted=300
anyone have a 19x8 iforged aero that they want to trade for a brand new 19x10 aero thats sitting in my room?
new bumper=around 600 painted
new fender=350 painted
new wheel and tire=700
new windshield (yup..it cracked...dont know how)
new sideskirt painted=300
anyone have a 19x8 iforged aero that they want to trade for a brand new 19x10 aero thats sitting in my room?
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Joined: Aug 2003
Posts: 372
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From: fun by the bay
If that is your amount, I would pay out of pocket. Its better to save it for a big emergency. Just incase you are involved in a worse accident. Cause a claim is a claim.
Some insurance agencies have a spending limit without your premium going up when you claim. Maybe you can asked them if you take some of the cost of repairs, how much can they put in without increasing your payments.
Some insurance agencies have a spending limit without your premium going up when you claim. Maybe you can asked them if you take some of the cost of repairs, how much can they put in without increasing your payments.
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Joined: Aug 2002
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From: Blue Springs, Mo
Re: screwed up the car---got some questions
Originally posted by havabooz
from the way the wheel looks i might have messed up the front axel or something along those lines
from the way the wheel looks i might have messed up the front axel or something along those lines
Depending on damage, any part of the suspension could be completely ruined though. I would definitely have it looked; don't jsut replace cosmetics.
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Joined: Feb 2004
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From: Maryland
Re: screwed up the car---got some questions
Originally posted by havabooz
purely my fault....
i cant even look at it.....cold floor+traction off+curb=bad news
im such an idiot
i can deal with body damage but from the way the wheel looks i might have messed up the front axel or something along those lines
do insurance companies require a police report if i want insurance to pay for teh damage ..keep in mind i wasnt involved with any other cars
also....will insurance company give me problems about fixing stuff cause its aftermarket??
the truth is,,the aftermarket stuff costs just as much as the stock stuff so if they give me money for stock stuff ill be fine..but will they hassle me?
any help is appreciated
purely my fault....
i cant even look at it.....cold floor+traction off+curb=bad news
im such an idiot
i can deal with body damage but from the way the wheel looks i might have messed up the front axel or something along those lines
do insurance companies require a police report if i want insurance to pay for teh damage ..keep in mind i wasnt involved with any other cars
also....will insurance company give me problems about fixing stuff cause its aftermarket??
the truth is,,the aftermarket stuff costs just as much as the stock stuff so if they give me money for stock stuff ill be fine..but will they hassle me?
any help is appreciated
j/k
oh geez man... sorry to hear 
what was the exact circumstances? were you taking a turn too hot?
either way - good luck with the repairs... you have one of the hottest Z's on the board
what was the exact circumstances? were you taking a turn too hot?
either way - good luck with the repairs... you have one of the hottest Z's on the board
Thread Starter
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Joined: Feb 2003
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From: brooklyn ny(rutgers college)
turned to fast with no traction
of course i wouldnt just fix cosmetics....met with my mechanic who predicted that i would need suspension parts from the looks of it
hes towing it and getting it on a lift tomorrow
i will basically try to buy all and any parts that i can used from this forum...i know many of you have suspension parts lying in their garages (oem) so help me out
thanks for the advice...ill keep you guys updated with the parts i need
of course i wouldnt just fix cosmetics....met with my mechanic who predicted that i would need suspension parts from the looks of it
hes towing it and getting it on a lift tomorrow
i will basically try to buy all and any parts that i can used from this forum...i know many of you have suspension parts lying in their garages (oem) so help me out
thanks for the advice...ill keep you guys updated with the parts i need