[CRJdriver]

Originally Posted by SoCalDave

My insurance will replace the damaged part with new OEM for the first couple of years of the cars life before they go 'recycled' etc. Besides that fact, it's on the OTHER parties insurance..and I don't care what their outlay of $ is to get my car back to where it was. Door skins are not hard to replace so why not go new? As I've said, its hard to see the extent of the damage from pics...so ymv...but personally, I'd insist on new parts.

haha yeah I'm with you on that, the progressive in Pasadena ask me if remanufactured parts are ok?

Needless to say. I ended up using every single cent on the other guys coverage. Even made them and Enterprise drove all the way to LAX to get a C300 when they try to cheap our further by offer me a RAV4.


To OP, everything is needed man. It's not on your dime. Make sure they give u a nice rental and just getting anything that u can possibly fix done. It's not on your dime.

[kadify]

Originally Posted by CRJdriver

haha yeah I'm with you on that, the progressive in Pasadena ask me if remanufactured parts are ok?

Needless to say. I ended up using every single cent on the other guys coverage. Even made them and Enterprise drove all the way to LAX to get a C300 when they try to cheap our further by offer me a RAV4.


To OP, everything is needed man. It's not on your dime. Make sure they give u a nice rental and just getting anything that u can possibly fix done. It's not on your dime.

Curious how you got a nicer rental? I'm currently without a rental since they still are trying to determine fault and my daily limit is only $16. So basically if I get a rental now my rental will be a yaris or something lol

[CRJdriver]

Originally Posted by kadify

Curious how you got a nicer rental? I'm currently without a rental since they still are trying to determine fault and my daily limit is only $16. So basically if I get a rental now my rental will be a yaris or something lol

say it's there fault, as the case always been for me...I simply just demand that you not going to get in anything other then = or better and no cady lol. Just be firm.

If they haven't determined just be pesky and keep calling and emailing. "Without a car how do I do x,y,z...who's going to pay for me missing work"

Insurance (depending on the company) generally do not like to actually do there job and pay out. So they are going to be a pain, my strategy has always been to be a bigger pain

[Beowulf65]

Interesting:

Colorado Hit and Run Criminal Penalties

If the accident only involves property damage:
It is a Class 2 misdemeanor punishable by up to one year in jail and $1,000 in fines.

I wonder if the other driver had been drinking?

[EvenKeel]

Originally Posted by syenisch

If the wheel is forward then your caster is off. Your car is not aligned properly. You likely have a bent control arm or two. The easiest way to do upgrades is to have the insurance company cut you a check based on their estimate and handle it on your own. However, I wouldn't accept a check from the insurance company unless they make it clear you can come back for more if more is found to be damaged.

^^^^ THIS

Don't assume all is well with the suspension. I hit a curb and bent some of the suspension components on 1 side.

BMW mandated that the steering rack be replaced (for liability reasons). They don't fuck around when it comes to side impacts on suspension components....and neither should you.

My curb whack ended up being a $5500 repair (thankfully covered by insurance)

[jgoens]

Originally Posted by Beowulf65

Interesting:

Colorado Hit and Run Criminal Penalties

If the accident only involves property damage:
It is a Class 2 misdemeanor punishable by up to one year in jail and $1,000 in fines.

I wonder if the other driver had been drinking?

Yeah, so what are the police doing? Still trying to decide more than a week later if they should arrest?

[Beowulf65]

Originally Posted by jgoens

Yeah, so what are the police doing? Still trying to decide more than a week later if they should arrest?

...I think one would have to contact the police and ask for a copy of the accident report. The insurance company would certainly do so.

[kadify]

Originally Posted by jgoens

Yeah, so what are the police doing? Still trying to decide more than a week later if they should arrest?

I honestly don't know. I've worked 12 hour days the past 3 days so I haven't ever had a chance to call during normal hours to find out. I'm in the dark as far as what is happening but I know this, I need a car because it's not been easy getting to work and home without one=/

[Kabrich]

Originally Posted by SoCalDave

My insurance will replace the damaged part with new OEM for the first couple of years of the cars life before they go 'recycled' etc. Besides that fact, it's on the OTHER parties insurance..and I don't care what their outlay of $ is to get my car back to where it was. Door skins are not hard to replace so why not go new? As I've said, its hard to see the extent of the damage from pics...so ymv...but personally, I'd insist on new parts.

Which Company do you have insurance with?

I have had a number of conversations with high end repair shops over the past several years and they all complain of the PITA the Insurance Companies have all become requiring USED OEM parts unless they are totally unavailable. Even the few who used to allow new parts do not anymore.

Perhaps you are just unaware of what your Company uses now, especially if you have not used them in a while.

[//M]

Originally Posted by Kabrich

Which Company do you have insurance with?

I have had a number of conversations with high end repair shops over the past several years and they all complain of the PITA the Insurance Companies have all become requiring USED OEM parts unless they are totally unavailable. Even the few who used to allow new parts do not anymore.

Perhaps you are just unaware of what your Company uses now, especially if you have not used them in a while.

this plus +100

[stormlv]

Originally Posted by Kabrich

...
I have had a number of conversations with high end repair shops over the past several years and they all complain of the PITA the Insurance Companies have all become requiring USED OEM parts unless they are totally unavailable. Even the few who used to allow new parts do not anymore.
...

WTF, how is this legal?

[Kabrich]

Originally Posted by stormlv

WTF, how is this legal?

It's perfectly legal.

The car is used as soon as you drive it off the lot and Insurance Companies do not pay for new parts to replace your old parts unless the old parts are not available.

You and I might not like it, but Insurance Companies have plenty of lawyers and know the law very well.

[kadify]

I'm curious about something regarding parts. So I got a check for the parts needed to fix my car, but they were all billed at msrp, and obviously the repair facility is going to get them at invoice (or better). Heck even I could buy the parts at getbmwparts at near invoice. So do I just deal with the repair facility to make sure they don't try to overcharge me for parts?

[stormlv]

Originally Posted by Kabrich

It's perfectly legal.

The car is used as soon as you drive it off the lot and Insurance Companies do not pay for new parts to replace your old parts unless the old parts are not available.

You and I might not like it, but Insurance Companies have plenty of lawyers and know the law very well.

Hmm, happy that I'm living in Switzerland then

But coming back to your point that the car is considered "used" as soon as you drive it off the lot.

How do those parts get certified and what assures me that the replacement part that they reused, wouldn't last less time than the part I had previously, had I not had an accident.

One has to wonder where the reused parts come from...
Most likely from totaled cars, right?

This means, that the respective parts, at one point or another have been subjected to forces high enough to total a car, not even counting the total wear of the part in normal driving conditions?

What tests do they do, to ensure the parts are up to spec? (if any?)

I would think that it's outrageous for the insurance company to do this.
You pay for a service, and you pay good money for it. Why would they be allowed to put used parts in your car is beyond me.

Imagine you total your car immediately after buying it and that they would replace it with a used one. Would anyone be ok with that?

Anyway, sorry for the rant ...

[Beowulf65]

A number of years back our daughter's Toyota Corolla was in an accident and had to have the headlight replaced. When she got it back it looked ridiculous as the OEM part was sparkling brand new in contrast to the "used" headlight on the other side. We requested that it be swapped for a used part...it was done and looked much better. It also has worked without any problems.

Depends on the specific part whether "used" may be a problem.

[//M]

Originally Posted by stormlv

Hmm, happy that I'm living in Switzerland then

But coming back to your point that the car is considered "used" as soon as you drive it off the lot.

How do those parts get certified and what assures me that the replacement part that they reused, wouldn't last less time than the part I had previously, had I not had an accident.

One has to wonder where the reused parts come from...
Most likely from totaled cars, right?

This means, that the respective parts, at one point or another have been subjected to forces high enough to total a car, not even counting the total wear of the part in normal driving conditions?

What tests do they do, to ensure the parts are up to spec? (if any?)

I would think that it's outrageous for the insurance company to do this.
You pay for a service, and you pay good money for it. Why would they be allowed to put used parts in your car is beyond me.

Imagine you total your car immediately after buying it and that they would replace it with a used one. Would anyone be ok with that?

Anyway, sorry for the rant ...

As for the quality of the part... it's OEM the same part on your car. It met the same quality inspection that your car did when it was made.

Whats weird to me is you think a car deserves brand new parts. When you sell a car do you expect all your money back? You used the product, got value out of it, it's depreciated.

As for the car being totaled affecting the parts. If you get a flat tire do you change the rim automatically if it shows no damage or balances correctly. Like I said before the parts are inspected when they come off the car if they are damaged they can still be sold but not for insurance work. The parts are graded. Insurance only uses grade A parts.

Also while exact wear and tear can't be determined it can be estimated. Insurance won't put any part with more miles then youd car or any parts older then your car.

You don't get to see the other side of how they operate though. Any part that's touched gets addressed, so they put new suspension components if it even has a contact scuff.

Look insurance arent my favorite people but here in the US don't make shit, almost every large one operates at a loss in the major states (New York, Texas, California, Florida) fact is without recycled parts our insurance would be crazy expensive.

And also like I said if the cars within two model years or current so 2015, 2016 models right now 95% of the time they don't put any recycled or aftermarket. After that is IS a used car like it or not.

Sorry if I come off on the insurances side. I'm not but I do see there points and agree they are being hard but fair.

[//M]

I

Originally Posted by stormlv

Hmm, happy that I'm living in Switzerland then

But coming back to your point that the car is considered "used" as soon as you drive it off the lot.

How do those parts get certified and what assures me that the replacement part that they reused, wouldn't last less time than the part I had previously, had I not had an accident.

One has to wonder where the reused parts come from...
Most likely from totaled cars, right?

This means, that the respective parts, at one point or another have been subjected to forces high enough to total a car, not even counting the total wear of the part in normal driving conditions?

What tests do they do, to ensure the parts are up to spec? (if any?)

I would think that it's outrageous for the insurance company to do this.
You pay for a service, and you pay good money for it. Why would they be allowed to put used parts in your car is beyond me.

Imagine you total your car immediately after buying it and that they would replace it with a used one. Would anyone be ok with that?

Anyway, sorry for the rant ...

Your not going to like this. Yes they do. (Couple exceptions) if you total a car they are going to give you fair market value AKA what the car would sell for exactly as it stands, so you total a car with 100 miles on it guess what your going to take a ~15% hit vs MSRP. That whole as soon as you drive off the lot things applies.

Insurance is pretty simple they're back you for the exact value of your vehicle. If you want you can go with a higher end company pay significantly more and they do have new car replacement. Liberty Mutual, Travelers are two that offer that. But if you have Geico or Progressive your fooling yourself thinking they are going to take care of you in a premium way and pay more then it's worth. You get what you pay for.

If think about it objectively it makes sense.

I see you're from Switzerland. What I'm saying he replies to the United States Market. Honestly in major markets there's a large amount of fraud that can't be proven both buy insureds and body shops. It really screws them. That's why they pinch Penny's like that, because people want cheap rates. There are high end company's that conform to your standard but they are very expensive. If I had to venture a guess I'd say with a clean record and over 30 you'll pay $2600 a year minimum for proper insurance the way you want it. And that's if your perfect.

[kadify]

Originally Posted by tifosielia

I

I see you're from Switzerland. What I'm saying he replies to the United States Market. Honestly in major markets there's a large amount of fraud that can't be proven both buy insureds and body shops. It really screws them. That's why they pinch Penny's like that, because people want cheap rates. There are high end company's that conform to your standard but they are very expensive. If I had to venture a guess I'd say with a clean record and over 30 you'll pay $2600 a year minimum for proper insurance the way you want it. And that's if your perfect.

I pay that much for my car with statefarm because of my age xD

[metallicpea]

Originally Posted by tifosielia

As for the quality of the part... it's OEM the same part on your car. It met the same quality inspection that your car did when it was made.

Whats weird to me is you think a car deserves brand new parts. When you sell a car do you expect all your money back? You used the product, got value out of it, it's depreciated.

As for the car being totaled affecting the parts. If you get a flat tire do you change the rim automatically if it shows no damage or balances correctly. Like I said before the parts are inspected when they come off the car if they are damaged they can still be sold but not for insurance work. The parts are graded. Insurance only uses grade A parts.

Also while exact wear and tear can't be determined it can be estimated. Insurance won't put any part with more miles then youd car or any parts older then your car.

You don't get to see the other side of how they operate though. Any part that's touched gets addressed, so they put new suspension components if it even has a contact scuff.

Look insurance arent my favorite people but here in the US don't make shit, almost every large one operates at a loss in the major states (New York, Texas, California, Florida) fact is without recycled parts our insurance would be crazy expensive.

And also like I said if the cars within two model years or current so 2015, 2016 models right now 95% of the time they don't put any recycled or aftermarket. After that is IS a used car like it or not.

Sorry if I come off on the insurances side. I'm not but I do see there points and agree they are being hard but fair.

The only problem I have with this is that 95% of the parts that would be similar age or mileage would not be as nice as the parts on my car. I understand this does not apply for parts getting painted, but for wheels or headlights, I take extremely good care of my cars and would very likely get a replacement that wouldn't be as well cared for. For the average guy who just uses his cars and goes to automated car washes, etc. probably doesn't matter too much for him.

[Beowulf65]

We pay a $1593 premium for coverage on a 2016 435xi GC. This includes a 5-year Replacement Cost Solution which costs $101. As the car get older, that portion of the premium will increase. Note that both my wife and I are over 65, have perfect driving records and take our home insurance with the same provider.

[Kabrich]

Originally Posted by metallicpea

The only problem I have with this is that 95% of the parts that would be similar age or mileage would not be as nice as the parts on my car. I understand this does not apply for parts getting painted, but for wheels or headlights, I take extremely good care of my cars and would very likely get a replacement that wouldn't be as well cared for. For the average guy who just uses his cars and goes to automated car washes, etc. probably doesn't matter too much for him.

If it does not match the other parts on the car - or shows imperfections the original part didn't, simply do not accept the repair.

Most reputable body shops will not accept used parts that they see an issue with upon inspection for that exact reason.

[Kabrich]

Originally Posted by tifosielia

If I had to venture a guess I'd say with a clean record and over 30 you'll pay $2600 a year minimum for proper insurance the way you want it. And that's if your perfect.

I have had quite a few new 6 figure sticker cars and never paid over $100 a month ($1200 a year) This includes several Sports Cars like Vipers, Porsche and MB.

And Florida has a high theft rate and uninsured motorist because of illegal immigrants (or undocumented aliens if you want to bend the truth).

My BMW Insurance just crossed $1000 a year w/ $1M liability and $250k property damage - though I do have $1k deductible on comp and collision as I would not file a claim for less than $2k as I would end up paying for it multiple times over during the next 5 years. The sticker on my BMW was just under $65k