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Old 01-05-2009, 02:19 PM   #1
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Question Using an insurance claim to my advantage

Long story short, I hit some black ice and took a big chunk out of my bumper. Also the fender is just a little kinked with paint chipping, and something behind the bumper bent into the wheel-well piece and the tire rubs when I turn all the way left.

I was looking at my options of what it would cost to do it on my own until I noticed the piece pushing towards the wheel and decided it'd be better to pay the $500 deductible and get the whole thing done right.

Here's the problem: While shopping for SVT bumpers I fell in love with the Roush front bumper and would rather have that put on (I can get side skirts too). I haven't reported to my insurance company or gotten an estimate yet. I'm hoping there is some way I can have the work done through the insurance but have my own bumper supplied. Example: They can order all the parts, including SVT bumper, but instead they'll paint and install the Roush that I personally bought and I'll get an unpainted SVT bumper.

This is just my fantasy of how this would go down. I've never had to file with insurance before so I don't know how it works. Any tips/suggestions?? Thanks everyone.


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Old 01-05-2009, 02:22 PM   #2
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Once you get the check to cover the amount of the repair, you should be free to order what you need to get the car back into shape. Be warned that the check will not only have your name on it, but the place of service will be on there as well as anyone else that shares your policy with you.

My local Ford dealer give me this option before even starting to pull off any of my damaged exhaust parts. I woefully declined and replaced the ORP on my own time because I didn't want the dealer to face any fines if they were ever audited.
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Old 01-05-2009, 09:44 PM   #3
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most places don't care, i did this when my car became a salvaged car. i did some aftermarket, but stuck w/ the stock bumpers, now i'm kicking myself over it!
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Old 01-06-2009, 09:29 AM   #4
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Yeah, apparently Progressive doesn't really care. They said they provide the money and its up to me if I even want to fix it. At least until they asked if I had a loan for it...

But today when I was backing out of my driveway to head to work the brake pedal sunk down and I have a grinding noise in the brakes! So now it's no longer drivable and I had to take the day off work. If I wanted to wait for them to come for an estimate I'd have to wait until Thursday, or they can come and pick the car up today and bring it to the Progressive service shop. I told them to take it because I need to get my car back, but I really want the Roush look!!
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Old 01-06-2009, 12:15 PM   #5
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The body shop should be able to work with you on installing the Roush parts instead of the Ford parts. You might want to jump on this right away though, because the body shop will have to order the Roush parts and get them shipped, whereas the Ford parts would be local. Also, the Ford bumper cover does not come painted - the body shop would have to paint it either way.

You also may have to pay the difference in price between the Ford parts and the Roush parts.
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