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Old 12-13-2008, 04:31 AM   #1
sublimeplaid
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Default Car's totaled, how do I get insurance $ for mods?

So I totaled my WRX (yes I am totally fine and so is the driver of the other car) I rear ended a lady going about 15 MPH in the slowlane, I was doing about 50 in very light traffic... More on that later... So they are calling the car totaled because the radiator got pushed into the pulleys, I guess if there is engine damage, the car is done for.

So my question is, I have a good amount of mods on the car, I have receipts for most of the parts, some were bought private party with cash however, my question is, do I just tell them over the phone I had some aftermarket parts I want $ for? I have USAA and they do a pretty phenomenal job there, I don't have the OEM parts anymore, either, will that matter? Thanks for the input, I'll post up the only pic I have later..
Jon
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Old 12-13-2008, 04:43 AM   #2
subarulz!
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You should be asking them but I'm guessing if it wasn't part of the policy, you will not be compensated for them. You probably work something out to go take whatever is still good off the car though.
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Old 12-13-2008, 05:41 AM   #3
MannyMohawk#5
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Quote:
Originally Posted by subarulz! View Post
You should be asking them but I'm guessing if it wasn't part of the policy, you will not be compensated for them. You probably work something out to go take whatever is still good off the car though.
this.
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Old 12-13-2008, 06:28 AM   #4
Iflysti06
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Ya you aint getting a dime from your insurance company for any mods you didnt tell them about because they didn't have a chance to jack up your premium.
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Old 12-13-2008, 07:33 AM   #5
mikeythejew
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Here's an idea, ask them yourself.
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Old 12-13-2008, 08:48 AM   #6
Unabomber
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We don't know, call USAA. My guess is you are out of luck. Most carriers that are kosher with aftermarket have you fill out a form with your mods, then adjust your rates and you are covered.
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Old 12-13-2008, 09:57 AM   #7
just_an_impreza
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You didn't pay to have them covered. They are not covered. You will not see a penny.
/thread
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Old 12-13-2008, 10:03 AM   #8
Blacksails192
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my insurance (gmac) covered my exterior parts but no engine mods... all i had to do was bring receipts and they adjusted my plan.
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Old 12-13-2008, 10:43 AM   #9
jdmimprez
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Originally Posted by just_an_impreza View Post
You didn't pay to have them covered. They are not covered. You will not see a penny.
/thread


nothing else needs to be said in this thread...
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Old 12-13-2008, 11:53 AM   #10
Silverstg2
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I think everyone is right. But here is my argument to the insurance companys who dont cover the aftermarket parts. Generally speaking the stock parts would cost more to replace so why jack up the rates? If I mess up my stock BBS in an accident its 700.00 from the factory but a full set of rotas for example can be bought for that so would they lower my insurance for putting on rotas? The answer is no and even for something like exhaust I am sure Subaru parts cost way more than my catless TBE but still no ins discount
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Old 12-13-2008, 12:40 PM   #11
tphskab
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The only way you will see any money from them is removing any parts that arent damaged and sell them.
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Old 12-13-2008, 12:46 PM   #12
JDMFLCL
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my car was totalled and i was under USAA

essentially they let me take off all the aftermarket parts i could in return for the oems, but no i didnt get money back for anything else.
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Old 12-13-2008, 01:55 PM   #13
seanvetter123
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i actually watched a show about this the other day. the insurance guy said that they do give extra money for parts that make the car worth more. kinda like what people were saying about the rims. most OEM rims are way more expensive than aftermarket rims so if you bend you aftermarket rims and go through insurance they will probably take off how much money they will give you. and if you have an exspensive stereo system then they will add on how every much money that stereo system increases the value of the car. the one thing that they wont do is if you didnt specificaly have an aftermarket part listed on your insurance they will not replace it. they wont give you what you payed for it but they will give you what ever the depreciated value for that item is.
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Old 12-13-2008, 02:18 PM   #14
SlowSTi13
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Car insurance companies do not insure any performance part, only cosmetic. They offer insurance for the performance parts but the sub it out to a different kind of insurance company and roll it into your monthly payment. I have been down this road oh so many times.
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Old 12-13-2008, 02:32 PM   #15
docsmitty
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Quote:
Originally Posted by Silverstg2 View Post
I think everyone is right. But here is my argument to the insurance companys who dont cover the aftermarket parts. Generally speaking the stock parts would cost more to replace so why jack up the rates? If I mess up my stock BBS in an accident its 700.00 from the factory but a full set of rotas for example can be bought for that so would they lower my insurance for putting on rotas? The answer is no and even for something like exhaust I am sure Subaru parts cost way more than my catless TBE but still no ins discount
Because it's not about cost of replacement, it's about the likelihood that the driver is the sort of driver who will cost them money. A person who is willing to do performance mods to their car is probably more likely to crash said car.
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Old 12-13-2008, 04:51 PM   #16
fiveoh88
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Quote:
Originally Posted by sublimeplaid View Post
So I totaled my WRX (yes I am totally fine and so is the driver of the other car) I rear ended a lady going about 15 MPH in the slowlane, I was doing about 50 in very light traffic... More on that later... So they are calling the car totaled because the radiator got pushed into the pulleys, I guess if there is engine damage, the car is done for.

So my question is, I have a good amount of mods on the car, I have receipts for most of the parts, some were bought private party with cash however, my question is, do I just tell them over the phone I had some aftermarket parts I want $ for? I have USAA and they do a pretty phenomenal job there, I don't have the OEM parts anymore, either, will that matter? Thanks for the input, I'll post up the only pic I have later..
Jon
= no $ for aftermarket parts
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Old 12-13-2008, 08:47 PM   #17
boostdog
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when i totalled my del sol ( not my fault) the other guys ins. paid for everything that i had aft. mark. on the car including the cd player that was damaged due to the impact. stick to your guns you just may get lucky.
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Old 12-13-2008, 09:07 PM   #18
Drifting Away
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I got rear ended this year and the other person cracked my Mature Carbon Fiber rear diffuser.

I provided a reciept for it and they covered it with no Questions asked.
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Old 12-13-2008, 09:08 PM   #19
Lamont
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Quote:
Originally Posted by docsmitty View Post
Because it's not about cost of replacement, it's about the likelihood that the driver is the sort of driver who will cost them money. A person who is willing to do performance mods to their car is probably more likely to crash said car.
They don't look at it as performance mods. When I was insured by Wawanesa, it was mods period. Be it stereo, wheels, engine work or whatever. The guy I was waiting to get appraised and documented with had over $50,000 in modifications to his truck. He was bumped to a different tier for the cost of his mods. And since my mods didn't go above 20k, it was part of the coverage. All they did was take pictures, and whenever I did something new to the wagon, I had to swing by and have it documented.

Also, insurance companies can and do get stuff for damn cheap. When I had over 200 videogames stolen. They offered to cut me a check for way less than what it would cost me to personally replace them, so I said, replace the games. One of the boxes came with an invoice and the games were like $5~10 brand new.

If you mod your car and want the mods to be covered, I've had nothing but good things to say about Wawanesa.

To the OP, good luck and hope things get settled quick. And instead of asking us goons on here, call your insurance company.
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Old 12-13-2008, 09:56 PM   #20
irish44j
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I've been told by USAA that they do cover aftermarket if you prefer not to remove them from the car after an accident. They did specify that it did not include engine internal work and other "non-visible" things, but they said they would cover things like wheels, suspension parts, aftermarket bumpers/kits, stereo stuff, tint, etc....

I didn't get it in writing or anyhing, but USAA has always treated me well in all my policies (cars, houses, personal property, etc)
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Old 12-13-2008, 10:34 PM   #21
jbmitt
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Most companies offer a 1st party CP&E coverage, custom parts & equipment. Most policies automatically cover 1k, and everything more needs to be purchased.

First party would be for an accident that you are at fault for. 2nd party coverage, ie some idiot rear ends you, would owe for whatever you have on your car, as you don't have an insuring agreement with them, however, you do have an insuring agreement through your own insurance.

Generally, if you can replace said aftermarket/custom parts with the original if you are at fault, they can be kept. Otherwise keep good documentation to support the value if not at fault.
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Old 12-14-2008, 02:52 AM   #22
575rider
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The ONLY way to get money for them is to take them off and put the car back to stock. My car was hit and totalled and I had it in my garage on jack stands for 2 weeks and worked on it every night. I bought another WRX, all stock, and swapped my parts from one to the other. It's a whole lotta work!! But, better than the $0.00 insurance will give you.

I just told my adjuster it wasn't stock and I was putting it back to stock so I needed it until XX date so I could finish the job. He scrutinized it when he looked it over before they paid out on it, but I put every single stock part back on it. Got a good set of wrenches??
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Old 12-14-2008, 09:26 AM   #23
john_knoxville
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Quote:
Originally Posted by sublimeplaid View Post
I rear ended a lady
did you tell her "You ain't gonna $h!# right for a week!"?
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