Help on Insurance
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MBWorld Fanatic!
Joined: Jul 2002
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From: So Cal
W213 '17 E43 ///AMG - W211, W208 no more
GOT JACKED -- Help on Insurance
This weekend, as I was at Hollywood Sports Park for some friendly paintball crossfire... some a$$hole jacked me.
After 5 hours of gameplay, I came back to see my car up on jacks or whatever they're called. All rims gone, and somehow in the process scratched my bumper.... dam I'm pissed.
Called the cops, filed a report, managed to get my car back home undamaged (hopefully). Now, back to riding on stock 17s for a while.
Question is: Since my insurance won't cover my aftermarket wheels, should I bother reporting this to them as my rates will probably increase? Any way of getting them insured against theft?
After 5 hours of gameplay, I came back to see my car up on jacks or whatever they're called. All rims gone, and somehow in the process scratched my bumper.... dam I'm pissed.
Called the cops, filed a report, managed to get my car back home undamaged (hopefully). Now, back to riding on stock 17s for a while.
Question is: Since my insurance won't cover my aftermarket wheels, should I bother reporting this to them as my rates will probably increase? Any way of getting them insured against theft?
Last edited by mmgrad; Feb 24, 2003 at 07:51 PM.
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Ahh, sorry to hear that man. This is a tough one, I work at an insurance company but I've never seen or heard any report like this before. Did you have wheel locks? And if you had the GPS working they should have called you. They called me one time because I jacked my car up and the alarm went off. I would consider this as Comprehensive because the car was damaged while it's parked. Talk to your insurance agent about this, they should repair your car for sure, you just have to pay the deductable. Good luck. BTW, what kind of wheels did you have on before?
-Bruce
-Bruce
Thread Starter
MBWorld Fanatic!
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From: So Cal
W213 '17 E43 ///AMG - W211, W208 no more
I had 19s in a mesh design made by ADR, very similar to yours, but without the big lip in back.
The scratch is very minor, something you can cover up with touch-up paint.
I never activated my Tele-Aid so without my personal info, they couldn't contact me. No wheel locks were on.
The scratch is very minor, something you can cover up with touch-up paint.
I never activated my Tele-Aid so without my personal info, they couldn't contact me. No wheel locks were on.
Thread Starter
MBWorld Fanatic!
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From: So Cal
W213 '17 E43 ///AMG - W211, W208 no more
The worst part is I was planning on getting the car lowered next week. Now, its gonna look weird lowered on 17s.
Although, riding on 19s @ stock height wasn't very that nice either.
Although, riding on 19s @ stock height wasn't very that nice either.
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MB
Damn.... sorry to hear that man. With my insurance, they still cover my aftermarket parts. Maybe you should call your insurance agent and try to make them get new wheels for you. Good luck.
Guys, with the wheels locks for 19's, do you know where you can get them? DOn't you have to buy special "torque wrench" for them?
Thank you
Guys, with the wheels locks for 19's, do you know where you can get them? DOn't you have to buy special "torque wrench" for them?
Thank you
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Originally posted by hinhin7
Damn.... sorry to hear that man. With my insurance, they still cover my aftermarket parts. Maybe you should call your insurance agent and try to make them get new wheels for you. Good luck.
Guys, with the wheels locks for 19's, do you know where you can get them? DOn't you have to buy special "torque wrench" for them?
Thank you
Damn.... sorry to hear that man. With my insurance, they still cover my aftermarket parts. Maybe you should call your insurance agent and try to make them get new wheels for you. Good luck.
Guys, with the wheels locks for 19's, do you know where you can get them? DOn't you have to buy special "torque wrench" for them?
Thank you
-Bruce
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Out Of Control!
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From: CA, NV, CO
Holy s**t! Sorry to hear that man! Since the wheels are not covered in your insurance don't even bother reporting it as they most likely won't do anything. Guess next time you get a set of wheels make sure you get locks too!
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Thread Starter
MBWorld Fanatic!
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From: So Cal
W213 '17 E43 ///AMG - W211, W208 no more
Police report is all I filed. I'm not gonna file one with the insurance. Its only going to make them flag my account as high risk or whatever. And I still can't find anyone to insure aftermarket wheels. They even barely cover aftermarket ICE systems. Unless you were involved in an accident.
Anyways, how worthy are those wheel locks. I know its better than nothing, just wondering how well they work towards theft prevention.
Anyways, how worthy are those wheel locks. I know its better than nothing, just wondering how well they work towards theft prevention.
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Cayenne GTS, Cayenne Turbo
Originally posted by mmgrad
Police report is all I filed. I'm not gonna file one with the insurance. Its only going to make them flag my account as high risk or whatever. And I still can't find anyone to insure aftermarket wheels. They even barely cover aftermarket ICE systems. Unless you were involved in an accident.
Anyways, how worthy are those wheel locks. I know its better than nothing, just wondering how well they work towards theft prevention.
Police report is all I filed. I'm not gonna file one with the insurance. Its only going to make them flag my account as high risk or whatever. And I still can't find anyone to insure aftermarket wheels. They even barely cover aftermarket ICE systems. Unless you were involved in an accident.
Anyways, how worthy are those wheel locks. I know its better than nothing, just wondering how well they work towards theft prevention.
I'm curious...what is your insurance company? Mine is AAA and they would cover any aftermarket parts that are on the car as long as I have pics of them on the car and receipts. I specifically asked my agent about wheels and he said yes, they would be covered as long as I have pics and receipts.
As for the wheel locks, JamE55 is right, they're almost hard to take off with wheel locks on. The best case that could happen for the robbers is to have 4 bolts removed but the 5th one would be the lock, hence they would leave with nothing...
UNLESS, if they get irritated and break into the car. ;-)
Out Of Control!
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From: CA, NV, CO
Originally posted by Arnee
As for the wheel locks, JamE55 is right, they're almost hard to take off with wheel locks on. The best case that could happen for the robbers is to have 4 bolts removed but the 5th one would be the lock, hence they would leave with nothing...
As for the wheel locks, JamE55 is right, they're almost hard to take off with wheel locks on. The best case that could happen for the robbers is to have 4 bolts removed but the 5th one would be the lock, hence they would leave with nothing...
Arnee
You made me curious now that your insurance covers that aftermarket stuff. Think i'm gonna call mine and ask them to see if they can cover mine.
Thanks!
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From: So Cal
W213 '17 E43 ///AMG - W211, W208 no more
Arnee- I have AAA too, and I'm just happy they haven't cancelled my policy due to my less than perfect driving record (2 accidents in 1 yr, of which 1 of them i totalled the car, injuries in both cases = $5K annual insurance premium). It was my belief that they don't cover theft on those aftermarket goods (rims = 0 coverage, ICE = limited coverage up to $2K?). I know it would be covered if you got into an accident and they were damaged.
I better call and double check.
bmac002- I'm always lurking around ebay, so i'll definitely keep my eyes open for MY WHEELS.
I better call and double check.
bmac002- I'm always lurking around ebay, so i'll definitely keep my eyes open for MY WHEELS.
Out Of Control!
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From: CA, NV, CO
Originally posted by mmgrad
bmac002- I'm always lurking around ebay, so i'll definitely keep my eyes open for MY WHEELS.
bmac002- I'm always lurking around ebay, so i'll definitely keep my eyes open for MY WHEELS.
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Cayenne GTS, Cayenne Turbo
Originally posted by mmgrad
Arnee- I have AAA too, and I'm just happy they haven't cancelled my policy due to my less than perfect driving record (2 accidents in 1 yr, of which 1 of them i totalled the car, injuries in both cases = $5K annual insurance premium). It was my belief that they don't cover theft on those aftermarket goods (rims = 0 coverage, ICE = limited coverage up to $2K?). I know it would be covered if you got into an accident and they were damaged.
I better call and double check.
bmac002- I'm always lurking around ebay, so i'll definitely keep my eyes open for MY WHEELS.
Arnee- I have AAA too, and I'm just happy they haven't cancelled my policy due to my less than perfect driving record (2 accidents in 1 yr, of which 1 of them i totalled the car, injuries in both cases = $5K annual insurance premium). It was my belief that they don't cover theft on those aftermarket goods (rims = 0 coverage, ICE = limited coverage up to $2K?). I know it would be covered if you got into an accident and they were damaged.
I better call and double check.
bmac002- I'm always lurking around ebay, so i'll definitely keep my eyes open for MY WHEELS.
I should clarify, I use CSAA, the NorCal sister of AAA. I use those two interchangeably. Maybe their policies are different up there than down here in SoCal...but I guess it doesn't hurt to ask AAA (not CSAA).
$5k annual premium!
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From: The Heights, CA
Tesla Model S
Well along with this post comes the question: What kind of wheel locks can I get for my wheels? They're 19" Carlssons and came with longer bolts than the original wheels because they also come with spacers. I've had my car for three years now, but after hearing that I guess I probably shouldn't keep testing fate...
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From: Genoa, NV
2014 GLK250 BlueTec & 2009 ML320 BlueTec
originally posted by mmgrad
The worst part is I was planning on getting the car lowered next week. Now, its gonna look weird lowered on 17s.
The worst part is I was planning on getting the car lowered next week. Now, its gonna look weird lowered on 17s.
