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Old 10-23-2012, 06:17 PM   #31
k1ngkev1n1
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Originally Posted by aperson9923 View Post
Just for an idea on cost for the repairs, i got backed into on the passenger side behind the front tire in line with the A pillar; the lady dented both the door and wheel well, broke a hinge and some door clips, and minor paint damage. $3,000 damage not including the rental.
Damn! Wonder if my cars totaled then think kbb is like 16k now or lower.... They gotta pay for my clear bra and magnaflow exhaust if it was damaged as well...
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Old 10-23-2012, 07:00 PM   #32
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Damn! Wonder if my cars totaled then think kbb is like 16k now or lower.... They gotta pay for my clear bra and magnaflow exhaust if it was damaged as well...
No they don't.

Things you add on your own are generally not covered unless you've added enough and your insurance company adds that condition to your policy.

Otherwise they have no reason to.
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Old 10-23-2012, 07:09 PM   #33
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When I got rear ended. The other guy's insurance company (Farmers) paid for everything, including Rental car for a week. The total bill to the insurance company was a little over $1300 at the Ford Dealership. I didn't have any front damage and I don't have any sensors. All they replaced was the rear bumper cover and the impact foam and painted it. Take your car to a Good Ford Dealership with a Collision Center, that way you know you are getting OEM parts with OEM paint. If the damage goes into the floor boards or frame, push to have it totaled if the insurance company doesn't do it. If the car is safe without any damage to the floor boards or frame, look into getting the Depreciated Value of your car. In most states, the insurance company is required to give you the difference of a car that is exactly like yours in perfect condition versus your car after the repairs.
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Old 10-23-2012, 07:11 PM   #34
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No they don't.

Things you add on your own are generally not covered unless you've added enough and your insurance company adds that condition to your policy.

Otherwise they have no reason to.
Yes they are paying for it. Collision center will do it and they are paying! F that!
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Old 10-23-2012, 08:01 PM   #35
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When I got rear ended. The other guy's insurance company (Farmers) paid for everything, including Rental car for a week. The total bill to the insurance company was a little over $1300 at the Ford Dealership. I didn't have any front damage and I don't have any sensors. All they replaced was the rear bumper cover and the impact foam and painted it. Take your car to a Good Ford Dealership with a Collision Center, that way you know you are getting OEM parts with OEM paint. If the damage goes into the floor boards or frame, push to have it totaled if the insurance company doesn't do it. If the car is safe without any damage to the floor boards or frame, look into getting the Depreciated Value of your car. In most states, the insurance company is required to give you the difference of a car that is exactly like yours in perfect condition versus your car after the repairs.
You don't know that you're getting OEM parts unless you insist on them, otherwise the insurance company will order the shop to purchase parts from their sources and will likely either be reconditioned/salvaged parts, used parts, or pattern parts that won't be 100% correct but save them the money of doing things the right way and the shop is required to do what the insurance companies want or so it seems, so unless you scream loud enough that some one listens they will only look after their bottom line. I may be going through this nightmare now even though it was taken to a Ford dealer body shop for repair. Don't just assume they will use 100% O.E. parts unless you're willing to pay the difference. Ugh, why should a 5 month or newer car be repaired with fake parts? WTF is wrong with the insurance industry....
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Old 10-23-2012, 08:07 PM   #36
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You don't know that you're getting OEM parts unless you insist on them, otherwise the insurance company will order the shop to purchase parts from their sources and will likely either be reconditioned/salvaged parts, used parts, or pattern parts that won't be 100% correct but save them the money of doing things the right way and the shop is required to do what the insurance companies want or so it seems, so unless you scream loud enough that some one listens they will only look after their bottom line. I may be going through this nightmare now even though it was taken to a Ford dealer body shop for repair. Don't just assume they will use 100% O.E. parts unless you're willing to pay the difference. Ugh, why should a 5 month or newer car be repaired with fake parts? WTF is wrong with the insurance industry....
As soon as I get the report on what needs to be fixed I will let them know to only use Oem parts. Anyone know how it works if its totalled?
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Old 10-23-2012, 08:10 PM   #37
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As soon as I get the report on what needs to be fixed I will let them know to only use Oem parts. Anyone know how it works if its totalled?
You can request this, but chances are they won't do it (use oem parts for everything. Its pissing me off royally in my case as I said no to what the insurance wanted to do but no one ever listens to me anyway. So I may as well have shot myself in the head in front of everyone for all the good it did.

As to it being totaled unless you have gap coverage you will still owe the balance between the loan balance and what the car was worth to the insurance company to write it off.
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Old 10-23-2012, 08:17 PM   #38
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Originally Posted by suss6052 View Post
You don't know that you're getting OEM parts unless you insist on them, otherwise the insurance company will order the shop to purchase parts from their sources and will likely either be reconditioned/salvaged parts, used parts, or pattern parts that won't be 100% correct but save them the money of doing things the right way and the shop is required to do what the insurance companies want or so it seems, so unless you scream loud enough that some one listens they will only look after their bottom line. I may be going through this nightmare now even though it was taken to a Ford dealer body shop for repair. Don't just assume they will use 100% O.E. parts unless you're willing to pay the difference. Ugh, why should a 5 month or newer car be repaired with fake parts? WTF is wrong with the insurance industry....
I guess I screamed loud enough. The dealership I took mine to, was also the one I bought it from. They ordered the parts I needed and called me in when they arrived so I could drop off the car. They had a Rental waiting for me when I arrived.
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Old 10-23-2012, 08:17 PM   #39
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You can request this, but chances are they won't do it (use oem parts for everything. Its pissing me off royally in my case as I said no to what the insurance wanted to do but no one ever listens to me anyway. So I may as well have shot myself in the head in front of everyone for all the good it did.

As to it being totaled unless you have gap coverage you will still owe the balance between the loan balance and what the car was worth to the insurance company to write it off.
What happened in your case? How do u know if they put oem parts on or not?
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Old 10-23-2012, 08:21 PM   #40
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What happened in your case? How do u know if they put oem parts on or not?
Because I was there for the original estimate and the insurance estimate, and the insurance jokers found fewer items wrong and used their data base to find reconditioned/ used/ or fake parts to save them money and the shop has to use whatever the insurance company says at least as long as the parts actually exist, or so I was told despite insisting otherwise.

I'll know if they end up putting on an SE flat black grille on the bumper cover as that won't match my piano black grilles, or if the fog lamp and housing don't match.

I'm already ticked off just thinking about it.
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