2017 Z got rear ended
 

Just happened today on a heavy traffic highway. My baby with FI exhaust and CF rear diffuser. The Honda insight 2000 driver was on his phone and a veteran.

I called his insurrance to file a claim. They said they will call back Monday to get more info.

So basically there is license plate mark on the rear bumper with 2 holes from the 2 screws and the rear diffuser cracked. I do want to convert to a Nismo rear bumper. The insurance company has to pay for the broken diffuser too correct? It was an additional $350-400. I dont think there is any damage to the exhaust (i hope).

Do I go to the Nissan dealer to get appraisal since they have multiple auto body shops around town (Coggin Jacksonville)

😢😢😢

https://preview.ibb.co/djnzax/20180224_221325.jpg

depends..some insurances dont cover any aftermarket parts so if you havent bought a special coverage, you will only get reimbursed for the cost of the stock part.

:iagree:

Glad you’re not hurt; as mine rolled at least once-leaving me with broken disc & pelvis.
Sometimes “New” oem parts cost more than aftermarket ones.
Inspect exhaust really good/ as I’m sure if tips are bent; the cost of an oem muffler wouldn’t be cheap...+ cost of “New” rear bumper cover + painting it.
Just glad you’re ok.

Holy crap! Not to hijack bangity's thread but jeesh, first I'm hearing of that JCHammond.

As for the OP, I could've added more on my first post... Yes glad you're ok, fortunately the driver that hit you was insured. I had this same thing happen memorial day last year and the driver ran and had no insurance. Progressive insurance is useless in a case like this, but did learn most insurance companies only cover factory replacements.

That would only apply if he made the claim with his own insurance company.
If the accident was someone else's fault, their insurance company has to pay to fix any damage regardless of whether the parts are stock or not.

In my experience aftermarket parts were covered by the other person's insurance company. They paid for the diffuser and rear spats. They will not pay for the Nismo bumper. Only OEM. You have to work that out with your body shop. PM me if you'd like. I can share in detail how I did it.

Thank you guys. So the left side of the exhaust tip is pushed to the left a little. there is asymmetry but I think it can be pushed back with a long tube.

Do I just show the adjuster the receipt that I paid for the diffuser?

https://preview.ibb.co/dO09cc/284617...28645456_o.jpg

I PM'd. Thank you.

You would need your tips extended or a Nismo FI exhaust if you get a Nismo bumper.

Is there a huge difference? Extended meaning lengthen the tip?

3 inches minimum. I haven't done mine yet. I have black tips and considering straight pipes/muffler delete. Powder coated blk.

Between the tip and the muffler.

Don't you have NISMO rear bumper and FI HFC at the moment?

If they will only pay for the stock bumper then some body shops will let you pay the difference in the new rear bumper out of pocket. Kinda going through the same thing as you are but my oem nismo bumper price was less than the quoted oem stock bumper so I’m coming out a little ahead. Good luck!

I would say not just some, but any body shop will let you do that (or they should). What do they care, as long as they get paid ate the end.

Ah, you learn something new everyday... After investigating, yes aftermarket parts are paid for by the at fault party given that the parts have receipts and prices paid can be proven. Alot of times if you make claims on your own insurance, aftermarket parts are not covered. And lastly, it all depends on state laws.

My accident was not my fault and soccer mom ran away, then found uninsured. I had to do a claim through my own insurance which is why I was misinformed. Also, just because you have uninsured motorists coverage, it doesn't mean the vehicle is covered. This is what happened to me, I was covered for medical costs by uninsured motorists, but the car is not covered. Again, that's the state of Maine. Progressive is also the WORST insurance out there, the wanted to "buff and blend" my bumper. I paid everything out of my own pocket in the end.

Yes. I've had the exhaust before converting to the Nismo. The FI exhaust for Nismo will stick out further.

I had a lady try and do a hit and run on a my R6 (she back into it in a parking lot and knocked it over), luckily someone caught her. Her insurance was progressive. They want to buff the marks out of one of the panels. They also wanted to bulk at a 10% price discrepancy (between what their adjuster thought it should cost and what my shop said) on the total bill on the total bill. At the time the bike was still basically brand new. I told them it's a brand new bike, it would not go anywhere else to be looked at, they would replace the panel, and if they wanted to drag their feet, I'd get a lawyer involved.

I had a truck that I totaled and they came back with a very low value, and I told the adjuster to try again. I told him to find me a one with that low of miles and that kind of aftermarket equipment on it for that much. They sent out a new adjuster, and they came back with something much higher (actually way higher than I expected).

My main point is don't be afraid to tell these companies no, thats not acceptable. See what they come back with. They expect you take the first offer they give you. Don't sign anything, they need to make you "whole" again. Playing a bit of hardball with them may get you a much better "deal". It's worked well for me in the past. At least if you don't mind this taking a bit longer.

I will say I've had to get a lawyer involved in exactly one insurance claim. It did take almost exactly a year to get things settled, but it came definitely ended in my favor.

So apparently the guy bought Progressive 2 hours the accident. He has Geico at the time which I also have. I am afraid of co flict of interest here but just interviewed my part with the adjuster.

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Do you mind snapping a pic from behind of your car with the exhaust?

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