Insurance Question
Insurance Question Ok my buddy has a 2002 C320. He recently got in a wreck. Messed up the front end. He has full coverage and its not his fault. here is the issue we are confused upon
We have since he got the car done the following mods, which are now f'd up
we put the c32 AMG body kit on it. and now the front is done for
400$ Projector HID lights which now must be replaced.
AMG Grill which is done for
Carbon Fiber Lip/Splitter on the front lip
The hood is OEM so no worries there
and instead of the gay little mercedes emblem sticking up, we put in the AMG thing. which is now messed up
now the thing is, is the insurance company going to comp allt hese things? or are they going to just put OEM items on the car?
My buddy spent alot of money on that stuff including getting it all painted.
We installed everythign ourselves, so how do we go about him not getting F'd over and them just putting the stock stuff on? suggestions plz
EDIT: He has state farm, and the at fault driver has All State
We have since he got the car done the following mods, which are now f'd up
we put the c32 AMG body kit on it. and now the front is done for
400$ Projector HID lights which now must be replaced.
AMG Grill which is done for
Carbon Fiber Lip/Splitter on the front lip
The hood is OEM so no worries there
and instead of the gay little mercedes emblem sticking up, we put in the AMG thing. which is now messed up
now the thing is, is the insurance company going to comp allt hese things? or are they going to just put OEM items on the car?
My buddy spent alot of money on that stuff including getting it all painted.
We installed everythign ourselves, so how do we go about him not getting F'd over and them just putting the stock stuff on? suggestions plz
EDIT: He has state farm, and the at fault driver has All State
Last edited by 02ws666; Nov 25, 2009 at 02:33 PM.
As far as the damage goes (and assuming the other ins company accepts liability as you've stated) then they should put him in a "pre-loss" condition.
now, its important to note that he may need to provide proof of the condition of the car before the accident. Pics work wonders. also, if there are aftermarket providers for those same parts then the ins company is allowed to use/price for those.
All the above is if the other ins company handles the loss. If his OWN company handles it under his collision coverage then its sometimes a different story. He has a contract with the ins company and they are only required to follow that. Best bet is to call them and find out what his options are.
Good luck!
now, its important to note that he may need to provide proof of the condition of the car before the accident. Pics work wonders. also, if there are aftermarket providers for those same parts then the ins company is allowed to use/price for those.
All the above is if the other ins company handles the loss. If his OWN company handles it under his collision coverage then its sometimes a different story. He has a contract with the ins company and they are only required to follow that. Best bet is to call them and find out what his options are.
Good luck!
