Unicorn Down - Accident I Got Hit
#29
MBWorld Fanatic!
Thread Starter
Yes it is being totaled. Sent State Farm the recpts for all parts and pics. Should hear more tomorrow.
#32
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That's so ****ty. That is such a minor wreck compared to a lot of stuff that gets fixed out there, but the $$ parts takes the claim over the limit. That car could be fixed for less than $5k including paint, buying all the parts from guys parting cars out on this forum. RIP
#34
Senior Member
Question for all in case anyone is in a similar situation: would the insurance company value this car higher with all the mods/work done? I always assumed no and that they would go by market value. I.e. If you wanted it valued higher with them you would have to state the modifications and they adjust their price or seek an agreed value policy.
#35
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2005 e55 amg w/mods, 2015 GMC diesel,2016 X5 Msport
Question for all in case anyone is in a similar situation: would the insurance company value this car higher with all the mods/work done? I always assumed no and that they would go by market value. I.e. If you wanted it valued higher with them you would have to state the modifications and they adjust their price or seek an agreed value policy.
I also would like to know on this aspect.
#36
MBWorld Fanatic!
Question for all in case anyone is in a similar situation: would the insurance company value this car higher with all the mods/work done? I always assumed no and that they would go by market value. I.e. If you wanted it valued higher with them you would have to state the modifications and they adjust their price or seek an agreed value policy.
#37
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iTrader: (1)
Unless the claim is a first party claim,( meaning it's you claiming on your own policy wether you caused the accident) you can absolutely get reimbursed for mods/accessories.
Youre not going to get anything for maintenance type stuff , as in oil changes tires and brake pads but keep all your reciepts because as long as those parts are on the car, that's what it will cost to replace that exact car. I've dealt with insurance companies countless times in this manner and as long as theres documentation, you win. I promise you.
Youre not going to get anything for maintenance type stuff , as in oil changes tires and brake pads but keep all your reciepts because as long as those parts are on the car, that's what it will cost to replace that exact car. I've dealt with insurance companies countless times in this manner and as long as theres documentation, you win. I promise you.
#39
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I know some insurance companies don't give you money for mods unless you tell them otherwise. I had my wheels stolen from my car but insurance can't cover cause they weren't aware of the wheels prior to the theft.
#40
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Thread Starter
I am not at fault in the accident so I would expect to be covered.
#41
MBWorld Fanatic!
Unfortunately, not how it works with A LOT of these companies. I actually had Geico cause it was cheap but their policies were a bit "cheap". I switched to Liberty and pay $13 more a month but my dad was with them for 20 years.
When I was in an accident, where my car was hit while parked. Liberty came out and paid for everything, even my mods cause my wheels were damaged. They said a lot of companies say anything to get your money. Liberty didn't even ask for a receipt for wheels, just did a Google how much new wheels go for and cut the check!
When I was in an accident, where my car was hit while parked. Liberty came out and paid for everything, even my mods cause my wheels were damaged. They said a lot of companies say anything to get your money. Liberty didn't even ask for a receipt for wheels, just did a Google how much new wheels go for and cut the check!
#42
MBWorld Fanatic!
Thread Starter
Still waiting. Called for an update today 3 days after sending all my documentation for parts. They are still reviewing they say. So then stopped by my agents office to get them involved to fight for me for vaule and quick resolution.
#44
MBWorld Fanatic!
Thread Starter
We both have the same insurance company so you know they don't wanna pay for 2 cars already. If they had another company my comp would likely not care and just get paid back by they other drivers comp.
#45
MBWorld Fanatic!
That blows!!! Insurance should give you a good number. Good luck.
#47
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Thread Starter
Their policy.
#49
Out Of Control!!
Damn, it's not a good week for Unicorns... Mine got tagged in a parking lot tonight... Doesn't look bad but looks like it's probably time for the E63 bumper upgrade on mine
Sorry for your loss
Sorry for your loss
#50
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06 F150, 05 E55, 98 Volvo
I get it.....they are not gonna total this car. I am sourcing all the parts. Used parts that is. Communication with the adjuster for me at least, has been key. Won't know the verdict until Friday. Prayers fellas!!