20 Year Old Volk CE-28N Replacement

[Snipe]

Hi Folks,

After 20 years of ownership, some 19 y/o girl tried to cut me off, missed, and destroyed the front right of my 2003 WRX (headlight, fender, bumper, and CE28N).

The rim (17x7.5 +50 offset) is now scratched up and the lip is bent, and I need help finding a replacement - as well as any advice as to how to deal with her insurance, which estimated $2800 (and ignored the wheel damage).

I'm in the Northern California, Bay Area if that helps.

Sorry if this is in the wrong place - it's been many years since I've been here.

Thank you

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[AliBenn]

rim can be Remanufactured unless in 2 pieces
that is what all Insurance Comps do


WHEEL REPAIR SOLUTIONS

33 Mill St, San Rafael, CA 94901
(415) 721-7592

unknown if this is close to you
usually $175-$250 depending on the paint cost

[D-Rodman]

Insist they repair or replace the wheels. You don’t have accept their first offer.


Sent from my iPhone using NASIOC

[Snipe]

Originally Posted by D-Rodman

Insist they repair or replace the wheels. You don’t have accept their first offer.


Sent from my iPhone using NASIOC

I definitely won't accept the first offer as it won't even cover the repairs, but I'm also having trouble sourcing a CE28N as apparently they're discontinued. :'(

I'm so freaking sad about this whole thing. My insurance (Progressive) wouldn't even help me as I don't pay them for collision - so basically they serve me up to Farmer's like "he can either pay for representation or you can low ball him - we don't care". I get that they aren't going to PAY for the damages, but I thought they'd at least help protect me.

They also seem to think that replacing with generic parts is fine, rather than OEM.

This is such a nightmare.

[D-Rodman]

That is the current state of insurance companies, they are an even greater ripoff than they have traditionally been.


Sent from my iPhone using NASIOC

[NutBucket]

It's CA...you have a right to choose the shop and demand new OEM parts. Don't let anyone tell you different. And yes, definitely get the wheel repaired.

Take it to the best shop you can find and tell the insurance company to shove it.

[Snipe]

Originally Posted by NutBucket

It's CA...you have a right to choose the shop and demand new OEM parts. Don't let anyone tell you different. And yes, definitely get the wheel repaired.

Take it to the best shop you can find and tell the insurance company to shove it.

That was my plan - however Farmers is claiming that THEIR INSURED had to have an "OEM replacement supplement" on their policy.

To be clear - my insurance is Progressive - and they told me "you don't have collision so you have to talk to the other person's insurance - WE WON'T HELP". I thought this was strange as well as I wasn't trying to get them to pay - but I thought they'd at least TALK to the other insurance company on my behalf.

So now I'm talking to the other person's insurance - Farmers - and from them - and the shops I've talked to - it seems like the other person has to pay extra for OEM replacement for the driver they hit.

I would understand if they want to charge extra to replace YOUR parts with OEM - but it seems like that would be a collision specific insurance thing - versus a liability insurance thing.

Either way - I'm sitting here at the mercy of the other person's insurance company - and over the last 3+ weeks that this has dragged out - both the Adjuster AND the Estimator have both HAPPENED to take vacations - which seems SUPER SKETCH.

Insurance is fundamentally a scam business built to prey on people's fear - but this is taking it to a new level.

I just want my car fixed the way it was. UGH!

[rtv900]

Originally Posted by Snipe

Insurance is fundamentally a scam business built to prey on people's fear - but this is taking it to a new level.

not really sure how it's a scam?
But the fact that you don't have collision makes it much different but frankly you chose not to have that so they are correct in what they are telling you.
Expecting them to do negotiations for you is unrealistic and you are literally asking someone to do work for you for free, nobody does that.
Give up on that and simply ask them for advice in what exactly you should be doing to negotiate and what your rights are.
I would think as a customer they'd at least spend 10 minutes on the phone with you.

I had the EXACT same situation, minding my own business and get the front half of my car sliced off by a dude who blew a stop sign at about 60mph. Unquestionably his fault, not even debatable, but I had full coverage so my insurance company cut me a check in a matter of days for the full value of my car at the time (24k) and then THEY went to work to recover the money from his insurance company
Had I not had that it would have been my problem to claw out of them a fair value.

[Snipe]

Originally Posted by rtv900

not really sure how it's a scam?
But the fact that you don't have collision makes it much different but frankly you chose not to have that so they are correct in what they are telling you.
Expecting them to do negotiations for you is unrealistic and you are literally asking someone to do work for you for free, nobody does that.
Give up on that and simply ask them for advice in what exactly you should be doing to negotiate and what your rights are.
I would think as a customer they'd at least spend 10 minutes on the phone with you.

I had the EXACT same situation, minding my own business and get the front half of my car sliced off by a dude who blew a stop sign at about 60mph. Unquestionably his fault, not even debatable, but I had full coverage so my insurance company cut me a check in a matter of days for the full value of my car at the time (24k) and then THEY went to work to recover the money from his insurance company
Had I not had that it would have been my problem to claw out of them a fair value.

Cool story bro. I'm sure the insurance companies are happy to have someone standing up for them as the need the help.

Back to your desk to go sell another policy.

[NutBucket]

Someone is giving you false info and I'm my money is on Farmer's.

[rtv900]

Originally Posted by Snipe

Cool story bro. I'm sure the insurance companies are happy to have someone standing up for them as the need the help.

Back to your desk to go sell another policy.

no surprise, people are always offended when they learn how insurance works.
"I didn't buy collision but now I'm pissed they won't volunteer to work for me for free"

I got my check, good luck getting yours.

[Big-E]

Correct me if I'm wrong, but a Volk wheel is not an OEM item. If true, then this "OEM replacement supplement" that the insurance company cited would not apply.

******

California's Minimum Liability Insurance Requirements for Private Passenger Vehicles (CA Insurance Code §11580.1b):

$15,000 for injury/death to one person.
$30,000 for injury/death to more than one person.
$5,000 for damage to property.

Liability insurance compensates a person other than the policy holder for personal injury or property damage.

Comprehensive or collision insurance does not meet vehicle financial responsibility requirements.

*******

From what I have been reading, it would appear that you would have to place the claim through her insurance company and if she had the minimum coverage, you would have to sue her for your repair costs above $5,000.

From what I have been reading, body shops are bound by the California Business & Professions Code, writing that it “requires that each written estimate of the cost of the auto body or collision repairs indicate whether each crash part is either an OEM part or a non-original OEM aftermarket crash part and whether each replacement part is new, used, rebuilt, or reconditioned.”

Hopefully some or all of the above is helpful.

[rtv900]

Originally Posted by Big-E

you would have to sue her for your repair costs above $5,000.

suing her would go nowhere fast

He would have been offered uninsured or underinsured motorist coverage as well when he bought his policy, which would cover any difference in damage vs coverage

but based on what we've heard thus far I'm sure he turned that down and will now complain that they are scamming him by not covering the difference even though he didn't pay for the coverage
(wait till he finds out how health care works)

[NutBucket]

That's fair. I don't carry collision but I do have under/uninsured coverage.

[Snipe]

Originally Posted by rtv900

suing her would go nowhere fast

He would have been offered uninsured or underinsured motorist coverage as well when he bought his policy, which would cover any difference in damage vs coverage

but based on what we've heard thus far I'm sure he turned that down and will now complain that they are scamming him by not covering the difference even though he didn't pay for the coverage
(wait till he finds out how health care works)

Lmao - you're so mad man. Standard Philly Reddit Internet Knowitall Victim Blamer. Go back to your hole. Everyone else is at least helpful and here you are - bent out of shape because my opinion on insurance differs from yours.

We get it - you sell insurance and are determined to stand up for what you believe in. Great. Now give it a rest.

[Snipe]

Originally Posted by Big-E

Correct me if I'm wrong, but a Volk wheel is not an OEM item. If true, then this "OEM replacement supplement" that the insurance company cited would not apply.

******

California's Minimum Liability Insurance Requirements for Private Passenger Vehicles (CA Insurance Code §11580.1b):

$15,000 for injury/death to one person.
$30,000 for injury/death to more than one person.
$5,000 for damage to property.

Liability insurance compensates a person other than the policy holder for personal injury or property damage.

Comprehensive or collision insurance does not meet vehicle financial responsibility requirements.

*******

From what I have been reading, it would appear that you would have to place the claim through her insurance company and if she had the minimum coverage, you would have to sue her for your repair costs above $5,000.

From what I have been reading, body shops are bound by the California Business & Professions Code, writing that it “requires that each written estimate of the cost of the auto body or collision repairs indicate whether each crash part is either an OEM part or a non-original OEM aftermarket crash part and whether each replacement part is new, used, rebuilt, or reconditioned.”

Hopefully some or all of the above is helpful.

This is helpful. Thank you.

The woman is on her parents policy, so I'm pretty confident that they have plenty of insurance.

The Volk is not OEM, correct - but it was functional when she hit me, and now it's not. Unfortunately Volks also can't be repaired reasonably due to the finish.

Everything else that was damaged IS OEM, which is why I'd like OEM replacement parts.

I believe this is primarily the insurance company doing what insurance companies do, which is everything possible to cheat folks wherever possible. Great for shareholders, pretty awful for the people involved in accidents.

[Snipe]

Originally Posted by NutBucket

That's fair. I don't carry collision but I do have under/uninsured coverage.

Fwiw - I have plenty of liability insurance as I have a lot of assets to protect. I minimize my other coverage because it's a math / risk tolerance game. Given that my strategy has been the same for 20 years - I'm very much in the positive from a financial perspective (even if I had to pay for all the damages out of pocket).

This isn't an underinsured issue. It's just Farmer's trying to get away with the general insurance model which is to pay out as little as possible by making the process as difficult as possible.

I tend to agree with your assessment above which is that someone is giving me false information. That said, I feel like it may be the first shop I went to as they were not confidence inspiring when they found out it was Farmer's that they'd be dealing with. The moment they found out they kinda said "good luck having Farmer's make you whole" and didn't seem willing to fight on my behalf.

Now I can't even get Farmer's to respond for weeks at a time when I just want to let them know that I've chosen another shop that seems more reputable.

[19std]

Look man this thread got out of hand.

Any insurance *idk about the 3rd world country killa kali* needs to cover your cost.

Simple as.

There are limits on total dollar amount but you dont have a carbon fiber monocock so we are well within like 10k here.

What i have done in the past is rejected their offer, get my own quote, send it to them, they either paid full, or negotiated closer.

Edit just read above post, go to independent shop and tell them cash. In my case the other insurance cut ME a check. I pocketed cash cuz was a beater lol, but I got more from the independent quote.

[rtv900]

Originally Posted by Snipe

Lmao - you're so mad man. Standard Philly Reddit Internet Knowitall Victim Blamer. Go back to your hole. Everyone else is at least helpful and here you are - bent out of shape because my opinion on insurance differs from yours.

We get it - you sell insurance and are determined to stand up for what you believe in. Great. Now give it a rest.

the only person bent out of shape is you brosky, it was clear from the beginning when I simply pointed out your complaints are baseless

and no I don't sell insurance, I run a cnc machine shop making parts a hell of a lot more precise than an OEM half shaft. But I do carry real insurance and have had two vehicles totalled in the last 5 years or so and a machine that had a $25k breakdown and got checks in hand every time within a totally acceptable timeframe and I didn't have to negotiate or fight with the provider ever, simply showed them the costs or values, done. Funny how that works when you...... ... . . . . .buy the coverage.

Originally Posted by Snipe

1) Fwiw - I have plenty of liability insurance as I have a lot of assets to protect.

2) and didn't seem willing to fight on my behalf.

1) I feel like I'm in the twilight zone here. Liability doesn't cover your assets dude, it pays for. . . . . .liability, hence the name liability insurance. If you have a lot of assets to protect and you like to be paid for them in case of a loss you should probably consider purchasing insurance that actually covers that.
2) sigh, You are still upset that people aren't willing to "fight on your behalf" when you didn't pay anyone to do so. I don't know if it's entitlement or just ignorance about insurance. You've said yourself you've been working on this for weeks and weeks and haven't resolved it, but you want some other person to simply volunteer their time to spend weeks negotiating and arguing over how much money they should send YOU?

[Snipe]

Originally Posted by rtv900

the only person bent out of shape is you brosky, it was clear from the beginning when I simply pointed out your complaints are baseless

and no I don't sell insurance, I run a cnc machine shop making parts a hell of a lot more precise than an OEM half shaft. But I do carry real insurance and have had two vehicles totalled in the last 5 years or so and a machine that had a $25k breakdown and got checks in hand every time within a totally acceptable timeframe and I didn't have to negotiate or fight with the provider ever, simply showed them the costs or values, done. Funny how that works when you...... ... . . . . .buy the coverage.



1) I feel like I'm in the twilight zone here. Liability doesn't cover your assets dude, it pays for. . . . . .liability, hence the name liability insurance. If you have a lot of assets to protect and you like to be paid for them in case of a loss you should probably consider purchasing insurance that actually covers that.
2) sigh, You are still upset that people aren't willing to "fight on your behalf" when you didn't pay anyone to do so. I don't know if it's entitlement or just ignorance about insurance. You've said yourself you've been working on this for weeks and weeks and haven't resolved it, but you want some other person to simply volunteer their time to spend weeks negotiating and arguing over how much money they should send YOU?

tl;dr

You don't matter. Find something else to do.

[19std]

Dam, i thought this was outa hand before lolz.

[rtv900]

Originally Posted by Snipe

tl;dr

You don't matter. Find something else to do.

buy collision next time dude
nobody is working for you for free
literally the only actual topic in this entire thread is you complaining that they won't provide you with the service you refused to buy and 20 posts later still not getting it

[Snipe]

Originally Posted by rtv900

buy collision next time dude
nobody is working for you for free
literally the only actual topic in this entire thread is you complaining that they won't provide you with the service you refused to buy and 20 posts later still not getting it

Lmao - you're the epitome of sad internet trolls with no life. You're just embarrassing yourself.

[rtv900]

Originally Posted by Snipe

Lmao - you're the epitome of sad internet trolls with no life. You're just embarrassing yourself.

ummm no, I didn't create a thread about how my car got wrecked but I chose not to carry collision and then proceeded to moan and groan for days on end about how they're not fighting on my behalf even though I refused to pay for the coverage that pays them to fight on my behalf.
And then pointed out how I have lots of assets to protect which is why I carry plenty of liability insurance, which of course doesn't cover asset loss.
That would be you.

So to summarize your entire thread.
Collision pays for YOUR stuff.
Liability pays for OTHER people's stuff and YOUR liability.
Insurance companies don't work for free.
got it?

PM me your email and I can send that in a more easily printable format

[Snipe]

Originally Posted by rtv900

ummm no, I didn't create a thread about how my car got wrecked but I chose not to carry collision and then proceeded to moan and groan for days on end about how they're not fighting on my behalf even though I refused to pay for the coverage that pays them to fight on my behalf.
And then pointed out how I have lots of assets to protect which is why I carry plenty of liability insurance, which of course doesn't cover asset loss.
That would be you.

So to summarize your entire thread.
Collision pays for YOUR stuff.
Liability pays for OTHER people's stuff and YOUR liability.
Insurance companies don't work for free.
got it?

PM me your email and I can send that in a more easily printable format

Lmao - tl;dr (again)

How much do you make annually selling insurance? Not enough to move out of Philly? Lolol - you've got some problems man. Good luck!