Damn
Thread Starter
On The Tree
Joined: Apr 2007
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Damn I recently wrecked my STS Trans Am, pretty sure it's totaled, awaiting word from my insurance.
This guy I know wrecked his Jeep a while back and totaled it, insurance covered his aftermarket CD player, should they cover my turbo kit and intercooler, and maybe the fuel injectors, given a receipt/documentation of purchase is provided?
If not, I figured that, and I better start looking for a GOOD deal on another fbody. If so, I have already found a few.
Thanks for any help.
This guy I know wrecked his Jeep a while back and totaled it, insurance covered his aftermarket CD player, should they cover my turbo kit and intercooler, and maybe the fuel injectors, given a receipt/documentation of purchase is provided?
If not, I figured that, and I better start looking for a GOOD deal on another fbody. If so, I have already found a few.
Thanks for any help.
I work at insurance company, I used to handle claims. A/M parts like turbos & stuff like that could add to the value of your car. You will need documentation of what you have, when you bought it & who installed it. Find some cars listed on here that have similar mods, use that for comparisons & present them to your insurance company.
I've seen some pretty crazy total loss claims on some highly modified vehicles, the owners can come out real well on the settlements...
of course every insurance company is going to be a little different.
I've seen some pretty crazy total loss claims on some highly modified vehicles, the owners can come out real well on the settlements...
of course every insurance company is going to be a little different.
Thread Starter
On The Tree
Joined: Apr 2007
Posts: 182
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We have Allstate and they said they will not cover the individual parts, however, we will try to talk to them about how they upped the value of the car.
KBB says I should get about 12000 dollars, but I want at least 15000.
KBB says I should get about 12000 dollars, but I want at least 15000.
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State Farm told me if the car is worth more than blue book retail you need to have it appraised (beofre it's totaled) and have aggreed valve coverage. Otherwise you will be lucky to get the 12k KBB says it worth and the 15k aint never gonna happen.
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On The Tree
Joined: Sep 2006
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Yep when mine was stolen I did not have gap coverage and got on the high end of book value cause it was a low mileage car, but nothing for the mods. State farm here also. To their credit, they did pay quickly. I should have had my mods covered, so I can blame myself for that.
I work at insurance company, I used to handle claims. A/M parts like turbos & stuff like that could add to the value of your car. You will need documentation of what you have, when you bought it & who installed it. Find some cars listed on here that have similar mods, use that for comparisons & present them to your insurance company.
I've seen some pretty crazy total loss claims on some highly modified vehicles, the owners can come out real well on the settlements...
of course every insurance company is going to be a little different.
I've seen some pretty crazy total loss claims on some highly modified vehicles, the owners can come out real well on the settlements...
of course every insurance company is going to be a little different.
