MrTris Posted December 10, 2014 Share Posted December 10, 2014 You took an at-fault collision for that repair? Wow. Link to comment Share on other sites More sharing options...
compsurge Posted December 10, 2014 Share Posted December 10, 2014 No. I paid my deductable. Not at fault. Link to comment Share on other sites More sharing options...
MrTris Posted December 10, 2014 Share Posted December 10, 2014 No. I paid my deductable. Not at fault. It's still considered an at-fault accident. Link to comment Share on other sites More sharing options...
compsurge Posted December 10, 2014 Share Posted December 10, 2014 Not sure I follow you, but ok. Link to comment Share on other sites More sharing options...
sunny5280 Posted December 10, 2014 Share Posted December 10, 2014 Wow. I didn't think it worked like that. I agree with this. It's been my understanding anything attached to the vehicle becomes part of the vehicle. As the OP stated usually the insurance company will increase their payout for aftermarket items which increase the value of the vehicle. I've never heard of a situation where one is able to remove aftermarket items though. Very interesting his insurance company is allowing this. Link to comment Share on other sites More sharing options...
MrTris Posted December 10, 2014 Share Posted December 10, 2014 I agree with this. It's been my understanding anything attached to the vehicle becomes part of the vehicle. As the OP stated usually the insurance company will increase their payout for aftermarket items which increase the value of the vehicle. I've never heard of a situation where one is able to remove aftermarket items though. Very interesting his insurance company is allowing this. This. If they valued the vehicle higher due to aftermarket parts, why would they offer you such a high dollar value AND let you take the parts off and sell them? Link to comment Share on other sites More sharing options...
Brian3676 Posted December 10, 2014 Author Share Posted December 10, 2014 I must replace them with stock is the key. They are not letting me just take stuff off. Link to comment Share on other sites More sharing options...
Brian3676 Posted December 10, 2014 Author Share Posted December 10, 2014 I was very clear in my questions to them over the phone, and have e mails to back up incase they ever come back. But they said as long as everything is replaced with stock, they don't care what I take off. LIke I said they even offered to pay to tow the car to my house so I can take them off Link to comment Share on other sites More sharing options...
sunny5280 Posted December 10, 2014 Share Posted December 10, 2014 I must replace them with stock is the key. They are not letting me just take stuff off. We understand that. We're just surprised they're allowing you to do this. Link to comment Share on other sites More sharing options...
Brian3676 Posted December 10, 2014 Author Share Posted December 10, 2014 Amica is pretty amazing I guess haha. Link to comment Share on other sites More sharing options...
covertrussian Posted December 11, 2014 Share Posted December 11, 2014 Not sure I follow you, but ok. You are the reason your rims got bent right? That means your at fault. If another driver crashed into your car and caused your rims to be bent, then you would not be at fault. This is what MrTris was trying explain. 05 LGT 16G 14psi 290whp/30mpg (SOLD) 12 OBP Stock 130whp/27mpg@87 Oct 00 G20t GT28r 10psi 250whp/36mpg 22 Ascent STOCK Link to comment Share on other sites More sharing options...
compsurge Posted December 11, 2014 Share Posted December 11, 2014 I'm not going to argue this point any further. It was dark and rainy in a construction zone and the road had sunk about 8-12" and flooded. It took out about five other cars that evening. I am not at fault and that is the official stance of the insurance company. Link to comment Share on other sites More sharing options...
covertrussian Posted December 11, 2014 Share Posted December 11, 2014 I'm not going to argue this point any further. It was dark and rainy in a construction zone and the road had sunk about 8-12" and flooded. It took out about five other cars that evening. I am not at fault and that is the official stance of the insurance company. In that case you could plead your case to the City/State to pay you, at which case your insurance company wouldn't pay a dime. If your asking YOUR insurance company to pay YOU for xyz, you are at fault. At which point they will jack up your insurance rate next time you renew because they have to get their money back somehow. It's never free money . I'm also impressed that OP is getting $13k for his LGT, heck I would take that in the heartbeat even with mods... 05 LGT 16G 14psi 290whp/30mpg (SOLD) 12 OBP Stock 130whp/27mpg@87 Oct 00 G20t GT28r 10psi 250whp/36mpg 22 Ascent STOCK Link to comment Share on other sites More sharing options...
MrTris Posted December 11, 2014 Share Posted December 11, 2014 Yeah, equally incredulous. I'm actually curious what they're using to value our cars, now. If we put a new motor in it, and we're wrecked in 10k or less, does that mean we're instantly up about 12k? Link to comment Share on other sites More sharing options...
Moderators BarManBean Posted December 11, 2014 Moderators Share Posted December 11, 2014 Why are you guys arguing this with compsurge--the REALITY of his situation seems to be that the insurance company made it a "not at fault" incident. Done. No amount of theory is going to change that reality (if I'm reading his posts correctly and that's the case). Also, insurance companies shouldn't need to raise your rates for every single pay out to "get their money back." In most cases, they should be taking in plenty of premiums where they pay absolutely nothing out, and over the long run these will outweigh any payouts that they are making for accidents, etc. "Bullet-proof" your OEM TMIC! <<Buy your kit here>> Not currently in stock Link to comment Share on other sites More sharing options...
landark Posted December 11, 2014 Share Posted December 11, 2014 Actually, it's not uncommon to allow someone to replace parts. The parts you replace have to be functioning and they have to be installed properly though. Always check your estimate before having them pay for your aftermarket wheels (unless they are high dollar) because often times new OEM replacement wheels cost more than aftermarket wheels. You can have them write you a check for the OEM wheels and order your aftermarket wheels and pocket the difference. A lot of other parts work that way too. I would only do this if you were not at fault though. Not sure I follow you, but ok. What he's saying is that any time you use the collision coverage on your policy you are making a claim against yourself. That means it goes on your insurance record as an at fault claim. So at renewal or if you switch companies they will see that and rate it against you, so you will likely pay a higher premium. There are subtle nuances that I am not familiar with on the rating side of the business that make deer strikes or damages like yours less severe, but any claim on your policy can cause you to pay higher premiums. The amount paid out also has an affect. So the higher the payout, the more likely and more severely it will affect your premium. Link to comment Share on other sites More sharing options...
Brian3676 Posted December 12, 2014 Author Share Posted December 12, 2014 Heard back, they now value my car at, $14,500 but say that makes it border line totaled or fixable so they have to research it a little. Link to comment Share on other sites More sharing options...
xt2005bonbon Posted December 12, 2014 Share Posted December 12, 2014 OP, how many miles does your car have? Link to comment Share on other sites More sharing options...
Moderators BarManBean Posted December 12, 2014 Moderators Share Posted December 12, 2014 That would absolutely blow if they decided to fix it. No thanks. "Bullet-proof" your OEM TMIC! <<Buy your kit here>> Not currently in stock Link to comment Share on other sites More sharing options...
Brian3676 Posted December 12, 2014 Author Share Posted December 12, 2014 Has 99,000. As much was I wanted it fixed orignally, I actually asked them to please total it still. Honestly, $14,500 for my car, I already habe pre sold almost every aftermarket part on the car locally, so no shipping hassle, that's 6k including my motor. Basically getting 20k for my car if you count insurance and mod sales. I'll never get that if I were to sell it later, and I don't want to deal with dimished value from this either. It allows me to walk away from the car clean and clear of the loan, pay off some credit cards and get something else. Link to comment Share on other sites More sharing options...
MrTris Posted December 12, 2014 Share Posted December 12, 2014 Has 99,000. As much was I wanted it fixed orignally, I actually asked them to please total it still. Honestly, $14,500 for my car, I already habe pre sold almost every aftermarket part on the car locally, so no shipping hassle, that's 6k including my motor. Basically getting 20k for my car if you count insurance and mod sales. I'll never get that if I were to sell it later, and I don't want to deal with dimished value from this either. It allows me to walk away from the car clean and clear of the loan, pay off some credit cards and get something else. Sounds like a win and a solid plan. Link to comment Share on other sites More sharing options...
xt2005bonbon Posted December 12, 2014 Share Posted December 12, 2014 wow. 14.5k for 99k miles car. Yep. That's a win. Link to comment Share on other sites More sharing options...
AF_3C2 Posted December 12, 2014 Share Posted December 12, 2014 Wow. When I picked up my car it had 87k (now 96k) and it was only worth $10,500.00, and that is a place where premiums are placed on Subarus. $14.5k is unheard of for these cars here- maybe for a STI, but not a LGT...... Lucky.... Link to comment Share on other sites More sharing options...
landark Posted December 12, 2014 Share Posted December 12, 2014 My professional opinion is that $14,500 for your car is cuckoo bananas. Good deal, enjoy the extra cash. Link to comment Share on other sites More sharing options...
covertrussian Posted December 13, 2014 Share Posted December 13, 2014 That's impressive, never seems to amaze me how much more Subaru's are valued on the west coast. I would definitely fight for keeping it totaled, even if it comes down taking less money for the car. Like you said, You'll never get that money on resell and plus it will be less worth due to the collision. 05 LGT 16G 14psi 290whp/30mpg (SOLD) 12 OBP Stock 130whp/27mpg@87 Oct 00 G20t GT28r 10psi 250whp/36mpg 22 Ascent STOCK Link to comment Share on other sites More sharing options...
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