Car accident question.

[ALEROone]

Hey everybody,
I was involved in an unfortunate accident on Wed; some dude in a minivan ran a red light and slammed into my Alero. I need a new stock front facia as well as a new Razzi front facia (and a lot more also)......Insurance will cover everything thank God, so I don't have to worry about shelling out mucho dinero for repairs.
Anyway, my plan is to get the *** front instead..... will this be a problem you think? I don't see why it would be, but I am new to this whole thing. Has anyone else involved in an accident done something like this; going from stock to ground effects? The way I look at it is a stock facia is $300+ and the Razzi front is a similiar price. So $600+ compared to $500 for the *** front. Should not be a problem right?
Thanks in advance for your input!! :thumbs:

[kubiache]

The way I understand it is that they'll only give you credit for aftermarket parts if you can prove you had them (i.e. reciepts). Also, they don't just give you the parts and say "put them on yourself". You'll have to bring it to a body shop and they'll determine how much it is to repair. The insurance company then pays the shop. But hey, it never hurts to ask them. So maybe if you know someone at a body shop, you can convince them to hook it up....maybe.

[Jagey]

insurance fraud? no problem. Just ask around different shops to see if they will do it for you. A lot of them like to follow the rules, and will tell you not to do it.

[2KGAGTguy]

I suppose if you paid out the difference between stock replacement and the upgrade you want there wouldn't be a problem. The worst they can do is say no.

[ALEROone]

Originally posted by Jagey
insurance fraud? no problem. Just ask around different shops to see if they will do it for you. A lot of them like to follow the rules, and will tell you not to do it.

Ins. fraud? All I want to do is get *** instead of the stocker + Razzi front. Why would that be a problem? The insurance adjuster is going to look at it today and tell the body shop I need a new stock front and new Razzi front. The cost of those 2 things are more than the *** front.

[Jagey]

The insurance company is assuming you are replacing a stock part and razzi part with a stock part and a razzi part. When you go to a shop with the insurance claim that says replace with stock/razzi part and you go ahead and replace it with something that isn't on the form, that is insurance fraud. Just like somebody keying their car to get a different color paint job for cheaper than paying full price. Well, not exactly the same because the *** is cheaper, but you get the point.

[ALEROone]

Thanks for the input guys. I just talked to the body shop owner and he is going to talk to the adjuster and tell him/her what I want to do. I should know later today....

[tido_29]

yeah, i got my *** stuff and SD hood. But i crashed tues. and now i dont even know if they will put the *** and SD hood back on anymore.

http://www.grandamgt.com/forum/attachment.php?postid=197276

[Jagey]

Sounds good man, let me know how it goes. I want to learn more about this insurance process too for the future.

[Jagey]

Originally posted by tido_29
yeah, i got my *** stuff and SD hood. But i crashed tues. and now i dont even know if they will put the *** and SD hood back on anymore.


holy crap, are you sure that isn't a write off? If you have the receipts for the parts, they will replace it.

[ALEROone]

Originally posted by Jagey
Sounds good man, let me know how it goes. I want to learn more about this insurance process too for the future.

Will do bro.

[tido_29]

i have reciepts of the body kit, but not of the hood. (shoot i dont even think i can find the reciept of the kit anymore)

[Jagey]

Originally posted by tido_29
i have reciepts of the body kit, but not of the hood. (shoot i dont even think i can find the reciept of the kit anymore)

Well if that's the case, i don't think you stand much of a chance. Your best bet is to get the insurance claim for stock parts, go to a crooked garage, and get them to order you the aftermarket parts instead. You will only have to pay the difference if there is any. Just make sure the shop is ok with that kind of stuff first!

[ALEROone]

Originally posted by tido_29
i have reciepts of the body kit, but not of the hood. (shoot i dont even think i can find the reciept of the kit anymore)

Damn man, I hope you can find everything. Good luck!

[tido_29]

so w/ no reciepts. i wont get the stuff back on. are you sure?

[Jagey]

Originally posted by tido_29
so w/ no reciepts. i wont get the stuff back on. are you sure?


Well there isn't really any proof that they are aftermarket for the insurance adjuster, plus he has no idea how much they cost to replace to put on the insurance forms. So yeah, you will need the receipts.

[tido_29]

they guy that is working w/ me to fix the car said


"NO they have to put those pieces back on, they are a permanent part of the car so they have to, if you damage a nice aftermarket rim, they are not going to buy you a factory one"


he asked me for the website address i guess to get the price and all.

[Jagey]

Originally posted by tido_29
they guy that is working w/ me to fix the car said


"NO they have to put those pieces back on, they are a permanent part of the car so they have to, if you damage a nice aftermarket rim, they are not going to buy you a factory one"


he asked me for the website address i guess to get the price and all.

Well, see how it goes. Where I live the insurance is run by the government, we don't have the independent companies like you guys do. It probably is different, but i still strongly believe they need receipts. You need receipts to proove anything nowadays.

[teambeechstreet]

all the imports in my town do the whole insurance fraud thing (purposely damagin their cars and then getting the insurance to purchase aftermarket parts at a lower price) and get their cars fixed up in less than a couple months for free! It's worked for ALL of them, so far. I guess it just depends on the shop you take it to, eh?

[Jagey]

Same thing for my city. About 4 of my friends have keyed their own cars to get new paint jobs. Slashed their own tires to get performance tires. Smacked up thier own car for a body kit. That is just how it goes.
One guy has keyed his car 6 times already and slashed his own tires twice.

[tido_29]

yeah but mine already had the stuff. I mean, and you can see that i did not take anything off and put other stuff on. I mean you can see it is the *** kit and SD hood.

[Jagey]

Just try it out man, see what the insurance adjustor says to you

[tido_29]

well he hasnt passed by to see the car. i am hoping he goes today. wish me luck guys :(

[teambeechstreet]

Originally posted by Jagey
Same thing for my city. About 4 of my friends have keyed their own cars to get new paint jobs. Slashed their own tires to get performance tires. Smacked up thier own car for a body kit. That is just how it goes.
One guy has keyed his car 6 times already and slashed his own tires twice.

for some reason, I just cant bring myself to damage my own car to get free parts for my car. I dont think its the whole moral thing... I just dont wanna do anything wrong to my car!!! :huh:

[Gimli]

Originally posted by Jagey
Same thing for my city. About 4 of my friends have keyed their own cars to get new paint jobs. Slashed their own tires to get performance tires. Smacked up thier own car for a body kit. That is just how it goes.
One guy has keyed his car 6 times already and slashed his own tires twice.

That'll only work until your insurance tags you with an "high risk" note and drops you. Then you try to get insurance elsewhere and you find out that the only companies that will even look at your quote will charge you 5-10 times a normal premium.

[Jagey]

Originally posted by Gimli
That'll only work until your insurance tags you with an "high risk" note and drops you. Then you try to get insurance elsewhere and you find out that the only companies that will even look at your quote will charge you 5-10 times a normal premium.

But how would something like that work in my city? Our insurance is run by the government, so you HAVE to get insurance from them no matter what. There is no such thing as competing companies and insurances choices here.

[Magnum]

Jag, the way our insurance works, it come down to dollars & cents, not part numbers. Autopac is designed to cover the value of the equipment damaged on the vehicle at the time of the accident, or 'loss'. They don't care what you replace it with here. If you have a $600 dollar *** front end, they will pay you the value of the *** part at the time of loss, regardless if you replace it with a $300 factory front clip, or in some cases (a more minor accident) if you don't replace it at all! How independent insurers in the US work, I have no idea.

[Magnum]

Originally posted by Jagey
But how would something like that work in my city? Our insurance is run by the government, so you HAVE to get insurance from them no matter what. There is no such thing as competing companies and insurances choices here.

Because our insurance 'MPI' - 'Manitoba Public Insurance' handles both our Driver's License AND vehicle insurance, they don't drop you as an insurance client. Instead, they simply suspend your license. They have threatened me with this several times. (not recently - when I was younger and in trouble all the time)

[ND4SPDIII]

Originally posted by tido_29
yeah, i got my *** stuff and SD hood. But i crashed tues. and now i dont even know if they will put the *** and SD hood back on anymore.

http://www.grandamgt.com/forum/attachment.php?postid=197276

tidooooooooooooooooooooooo, that's sucks bro, what did you crash you car in to? that really sucks that you crashed, wish you good luck with insurance and all that. :(

[tido_29]

the dam tree didnt even move

http://www.grandamgt.com/forum/attachment.php?postid=197397

[ND4SPDIII]

Originally posted by tido_29
the dam tree didnt even move

http://www.grandamgt.com/forum/attachment.php?postid=197397

:crying: :crying: :crying:

[Jagey]

Originally posted by Magnum
Jag, the way our insurance works, it come down to dollars & cents, not part numbers. Autopac is designed to cover the value of the equipment damaged on the vehicle at the time of the accident, or 'loss'. They don't care what you replace it with here. If you have a $600 dollar *** front end, they will pay you the value of the *** part at the time of loss, regardless if you replace it with a $300 factory front clip, or in some cases (a more minor accident) if you don't replace it at all! How independent insurers in the US work, I have no idea.

I get it now, thanks man!