Months ago | 7th February 2013 00:33
If my car is totaled will the insurance pay for my aftermarket (insert part here)?
No, not unless that part is specifically insured or "endorsed" on the policy. This is common for wheels and stereos. Most companies will insure you up to a given value for these items (for an additional charge of course).
The other guy hit me (is at fault) and my supercharger is now broken or the other guy hit me (is at fault) and my car is totaled. I have x amount in mods on the car. Is his/her insurance required to pay for these parts?
Yes! They are required to. However, they will likely try to lowball you for the wear and tear on said part. Also, keep your receipts for this reason!
What should I do if the other guy/gals insurance is lowballing me on my totaled vehicle or damaged part?
You have 2 options: Small claims (the amount, which can be sued for varies by state). This is by far the easiest and cheapest option. Option 2: Get an attorney involved (probably not at all worth it due to the cost of the attorney).
My insurance is lowballing me on my totaled vehicle. What can I do?
You can take your insurance company to arbitration (your insurance has to pay for the arbitrator, but be ready to pay for experts and possibly an attorney). Also, if they continue to really lowball you, you may want to sue them for "bad faith." Essentially not holding up their end of the bargain. You will need an attorney for this, but they will likely work on a contingency fee and if you win at trial you could end up with a VERY large settlement. Lowballing is truly quite rare. It's more than likely you think your vehicle is worth more than it truly is (I hate to say this, but in my experience it's the case 99.9% of the time).
My car got damaged in an accident. I took it to a shop to have it repaired and it's still not right. What can I do?
Take it back again, and again, and again until it's right and demand a rental car from the shop! NOTE: If you used the insurance company's "select repair facility," they have an obligation to correct any mistake that they may have caused (usually for the lifetime that you own your vehicle). HOWEVER, if you took your car to your "body shop of choice," there is very little your insurance company can do for you.
I crashed my car at the track. Will my insurance cover it?
No. Your policy will exclude "speed contests" (or some other similar language) on your policy.
Can my insurance decide to not cover me (after I had an accident) due to mods?
Yes, but it's HIGHLY unlikely. If they find out after an accident it's more likely that they will simply cancel you.
Special note to street racers and those who drive a vehicle intoxicated:
If you are in an accident and cause injury/death to another person you can be held liable for "punitive damages". Punitive damages cannot be "erased" by bankruptcy...ever...You will never be able to buy a home, lease/finance a car, etc. until the damages are paid in full, your property can be sold to pay the damages, etc. Your insurance will NOT pay these damages!
AVYinc x therealvillains x The Works
Hi, my name is Isaac and I'm here to help.
Questions about the Forum? PM me.
Fraud / Fakes / Feedback Disputes? Please open a ticket:
I'm going to call you,
ISS Forum Regulator