Originally Posted by
Jewbu
Thanks for the rep
I am a total loss adjuster.
Your vehicle is suppose to have an exhaust either way.It is not something that will increase the value once the vehicle goes to the chopping block.
She said aftermarket exhaust,insurance company will NOT pay for an aftermarket exhaust unless she has ACPE..All the other stuff you named the insurance company will nickle and dime you,because your vehicle is suppose to have those parts. You need to change them either way to have a running vehicle.Ok now to the wheels,if the car did not come with them an insurance compant will not pay for aftermarket wheels unless you have ACPE.If your wheels get stolen they will pay for stock wheels.
BTW nice ride
Yeah, I've done that job too. I've seen the $8000 Yugo
!
Just looking at what can be seen of that exhaust system, how different can that be from the OEM piece. When you have an insurance company putting aftermarket parts on your car during a repair, spliting hairs on where you bought your exhaust will open a can of worms if someone sued. I would DEMAND all OEM exhaust pipes if I had them damaged.
Considering the tight rules regarding replacement exhaust systems in this state (see the sticky above), any exhaust system by definition has to be an OEM equivalent. Unless Geico is claiming this is an illegal exhaust system in the eyes of the state, I can't see how they can deny the exhaust system replacement based on A/M parts. This is saying that Ford is the only one she can buy an exhaust system from. And I'll guarantee an insurance company is calling Midas for an exhaust system price on claims.
I'm aware that if aftermarket wheels were stolen, they'd replace them with OEM (stereos too), but what happens when the aftermarket wheels or stereo (especially) cost less than the OEM unit? Pay more than what they had stolen? The wheels on my Ranger are $210 while a set of Cragars I'm looking at are $135. "
That's correct, I had aftermarket wheels, but you don't cover those, so give me the OEM's. Oh yeah, just cash me out, Thanks!" Even if I had aluminum wheels as OEM, the reconditioned ones are $179.
Again, if this happened to me, I think I could make the same argument successfully if the tried to nickle and dime me. This has given me the idea of contesting aftermarket sheet metal parts based on me not having ACPE. "
No, you can't use aftermarket parts. You won't cover my fender if the truck is stolen and stripped because it's an aftermarket part!"
I'd really like to see the wording on Geico's policy. I'd bet a could find a wording loop hole I could drive a truck thru. I know a couple of their road adjusters. Maybe I'll call one today...
EDIT: Two other things after rereading your earlier post. First, anything that the insurance company takes depreciation on is fair game as a long term wear item if it's been replaced. If those parts are replaced during a loss and depreciation is charged, the insurance company is admitting that the age and condition of those parts matter. See my earlier list. Second, if the insurance company doesn't think this is right, I'd be making damn sure that the CCC evaluation was completed as "Average Dealer" and not "Average Private". Especially in this case as she just bought the car. That little change from a "1" to a "2" can more than make up for the cost of the exhaust.
There are other things that a savy insured can nickle and dime back. While sales tax is offered, very few will offer to pay to transfer the plates. While a small amount, this is something the insurance company owes along with sales tax and title fees. These are expenses just as real as sales tax.