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Originally Posted by axmea?
Hey Gavin, What a mess. Sorry about all your troubles. At least you and your passenger was ok. Also, interesting how aftermarket was not covered in your case because I know insurance companies pay for them. Hope all works out for you.
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Hey Raf, Thanks I am happy we are okay too. And for aftermarket parts, it honestly depends on who your adjuster is and how they act about it. Most adjusters will be stubborn and say no coverage hoping you'll go away and no escalate the situation. But if you escalate the situation with the correct facts usually you can have coverage applied. Very Rarely do they pay out the full estimate cost unless you have upgrades to a newer nismo kit for example. Still oem but aftermarket to the vehicle owner.
When all is said it done the Z will look better than before
Quote:
Originally Posted by cv129
That's some bad luck. Sorry to hear.
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Yeah we all get it every once and a while. Thanks brotha, hope to back on the road in the first few weeks of November
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Originally Posted by JARblue
Holy $hit, Gavin ... 
Hope I wasn't too pushy about that OEM exhaust a few weeks back - sounds like that was all in the middle of this fiasco  Hope you get everything sorted out asap.
I would like to mention, however, that Nationwide gave me absolutely zero hassle about covering my aftermarket exhaust when I ran over a large chunk of concrete back in July. The adjuster wrote me an initial check at the time of the inspection that only included the OEM exhaust cost, but he sent out a supplementary check for the additional cost as soon as I sent him a copy of my Fast Intentions invoice. They even covered the shipping cost. |
Hey James
It has been a big delay in why I have not been able to get that over to you my friend yeahh.. I have had no car and was ubering it everywhere from the 19th of September until the 17 of October. Needless to say I should be Ubers #1 customer by friggin now. I just also haven't been able to find a box or transport it yet. I do have my brothers VW back now and I will see about going by Home Depot here if you still need the exhaust.
Text me if you do brotha, I got a new phone and not sure if I have your number any more
Quote:
Originally Posted by cigarclifford
Greeting's Mr Gavin two comments. First one, So happy to read that you did not get hurt. Second comment your knowledge in automobile insurance shared here over the years was well applied in your own situation.
Best of luck Sir
-Clifford |
Thank you Mr. Clifford, much appreciated I hope all has been well for you too!
Quote:
Originally Posted by GetYourWheels
So sad to hear! The car came such a long way since you started the build.
Surprised insurance even agreed to cover 2/3 of the aftermarket parts, were you paying additional for aftermarket insruance on the parts?
When my last car got totaled (by a drunk driver with no insurance/license) I gave my insurance company (Mercury) a list of parts & receipts worth $10k+, they offered me.... $500
Good luck with the rebuild!
Any pics of how bad the damage was after the accident? |
It definitely has been a long way and almost two years before anything negative like this happened. No additional aftermarket parts coverage is available from USAA and I don't think any of the Tier 1 insurers actually offer that coverage. It is a non-discussed rule in CA rules and regulations that if you keep Receipts and Paid Invoices from the shop building the car and vendor from which the parts are purchased and both are still in business, aftermarket parts can be covered up to the insurance companies policy language. If the policy language specifically excludes any and all aftermarket parts (like AAA) then you are SOL.
I got the insurance to cover 2/3rds of it, luckily, because of being in the insurance industry and knowing the same Rules and Regulations that USAA has to follow like State Farm does. I just had to read through the entire fine print policy language to grasp how USAA runs their policies. Multiple Places it stated that Aftermarket parts are considered Non-OEM parts of which is included in their Qualified Replacement Parts Program (QRPP). Still took a month to fight with them on it though and a lot of prior knowledge of how to handle an adjuster.
Their issue and why they didn't pay out the full estimate is because by their appraisers standards the parts are repairable. By My standards and how the parts were broken they are not repairable and should be replaced.
In the end USAA didn't pay $1400 of the $8800 estimate total I handed them.
I'll put up some of the pictures after this post for all to see as well
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Originally Posted by JARblue
I have a warranty through Mercury. Those guys are crooks IMO |
I hear nothing but Problems with Mercury's claim department and how they run things in CA, I don't know how things are in TX, but hopefully better.
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Originally Posted by NorthStyle
I feel you with USAA not wanting to take care of aftermarket parts. I was on the receiving end of that shaft when my Daytona 675 got stolen while I was deployed to Afghanistan while stationed in the UK... At least you got 2/3rds back, I got about 1/5th ugh. After that I switched to Geico.
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Damn that sucks especially since it was a classic. Shows how they truly are by how they treat military members which is pathetic since that is the marketing foundation.
I would switch to another company, being State Farm so I have the leisure to service and do my own policy changes, but for the age of 22 and having this type of car, even with all the discounts available, it would still be close to $60 more per month of which I'd rather not pay each month. Of course when I gain Loyalty Discounts my premium will go down and as my years licensed go up premium will go down, but until I'm passed 9 years licensed it'll be $220+ anywhere else I go.
Hope Geico has been good to you so far though with any claims.