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Old 05-01-2013, 02:51 PM   #18
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This is a good question and I've thought about it as well. I think the best option would be to have the car towed to either your house or to a paint shop in your favor. That will give you the ability to pull some of the stuff off although there is a good chance you wouldn't get everything. Like someone mentioned, it's still your car until it's officially totaled and they write you or your bank a check.

If the part was damaged in the wreck....my guess is you would be SOL. I doubt they'll reimburse you for it. It would only make sense to me that they would want to charge you more per month if they were going to cover additional add-ons to the car.
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Old 05-01-2013, 03:03 PM   #19
silverds
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Here's a good question. What if another driver is at fault and their insurance company is responsible for damages? I do not know whether your Insurance Policy/Coverage is invoked. It would seem, that the other drivers insurance should be responsible for all losses from the collision. However, I'm sure it's not that simple.
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Old 05-01-2013, 03:29 PM   #20
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Originally Posted by silverds View Post
Here's a good question. What if another driver is at fault and their insurance company is responsible for damages? I do not know whether your Insurance Policy/Coverage is invoked. It would seem, that the other drivers insurance should be responsible for all losses from the collision. However, I'm sure it's not that simple.
Actually, I think it is that simple....If you know for sure it's the other partie's fault and they are responsible, you can file a claim with your own insurance if it gets things moving quicker, then your insurance will get re-imbursed from the other one....

If it's a drawn out thing of who's at fault, get your car fixed with your own inurance, then they can figure out later who pays what...

....Or, you can just have the other party's insurance handle it and not file a claim with your insurance...

...Either way, you will want an adjuster from your insurance to look at the car and the figures for your own protection...All the agents, adjusters work together anyway, just to make it go smoother for you and them...At least, that's how it went for me...
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Old 05-05-2013, 10:04 PM   #21
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I have the Hartford Insurance through AARP. I recently called them and inquired about including my mods in the coverage. They said they do not do that, and do not provide any type of coverage for that. I guess that is OK as I don't pay very much for insurance.
usually you can get a "rider" policy. That covers mods.
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Old 05-05-2013, 10:36 PM   #22
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If your vehicle is NOT a daily driver I woul;d switch over to a collector car insurance company. I had my 2001 Z28 unde Grundy Collector Car insurance for an agreed value of $35k that means if the car is totalled or stolen I get the full $35k. I was paying right at $435 a year no limitations on miles the only thing is you cannot use to to drive to and from work on a daily basis.
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Old 05-05-2013, 11:41 PM   #23
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They wind up on ebay.
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