I was on my way to class today at GMU and bam an oldsmobile boat freakin rear ended me . I hope he has good insurance cause my bumper and exhaust are fcuked. Do any one know if insurance companys cover aftermarket parts? It was his fault so it's on his insurance. How would I go about claiming my exhaust? Where should I go for the repairs?

 

They should cover your parts... fight for a replacement of your exhaust opposed to them trying to bend and rehang the existing. When my car got hit with the first kit that Arthur put on (4 months after getting it back) the ladies insurance company had to pay for my Nismo Wing, aftermarket tails. They just told me to submit receipts or what the parts were. Oh and what color of your car... fight them to blend the paint not to just paint the parts seperate.

Sorry to hear about that man... time for an upgrade!

 

I know it sounds silly. But look at it as a blessing! Someone's gonna pay for your new aftermarket parts!

 

make sure your insurance knows you have all the aftermarket parts (so they are insured)

 

as far as covering aftermarket parts, it depends on the ins. company. I was talking to mine after a recent accident involving a curb. Out of the $25000 in parts I have on my car, they will pay $500. I almost threw up when I heard that.

 

I heard Providence is very aftermarket friendly. They covered Abui01's Do-Luck front bumper!!!

 

just speak to the highest supervisor possible, and say you will switch insurance companies

 

Well it wasnt my fault so his insurance company should pay for a new JIC exhaust, rear bumper, and blending of the paint!

 

^^ Grasshopper....you have much to learn.

 

aftermarket parts NOW!! woot

 

This is how I understand it. If someone hits you (you're not at fault) their insurance company is required to return your vehicle to the condition it was in prior to the accident.

If you are at fault then they are only required to return it to the state in which it was insured, meaning if they don't know about it...it isn't covered.

GL

 

HKS hi-power ti is lookin real good right now.
Cop said it was his fault since he rear ended me.

 

?????

 

That sucks, hope insurance hooks you up.

 

I work for an insurance company. Typically, unless you buy the excess premium covg, A/M parts will be only covered up to $1K unless you are a claimant and not at fault. Sounds like you are, so they would owe to restore you to pre-loss condition.

 

Good information! Now I'm sorta hoping someone would hit me so I can get the body kit refitted and repainted.

 

That sucks dude, I saw you about a month ago near your house. Your exhust sounds sick.

 

Is that 1K per item or total? Also, what if the OEM replacement is more than the aftermarket cost? Will they force you to use OEM or can you use the money for A/M?

 

$1K total, that's with your own insurance company, typically. so if you rear end somebody and you screw up your JWT, your V9040404R34 Body kit or whatever and your turbo and you don't have that protection, have fun going back to OEM unless you pay the diff. And they can't force you to do anything, if you were smart you would take the check anyways before your car is worked on and do what YOU want to it. Insurance company pays the mark up prices that shops charge

 

i have mutual-everything that was on it-went back on it.