Goodbye INGS+1 kit
04-03-2006, 01:03 PM
#28
Smooth Criminal
I too have State Farm, and IIRC there is a clause in my policy that talks about modifications. There is a limit to how much your standard policy will cover for aftermarket parts. You can change that allowance, and for a car like yours it might be worth it. I don't know who you have for insurance, but I would look into it. I will try to find it in my policy tonight, and report back. I hate to see a nicely done fellow Ti get beat up. Hope it gets fixed soon.
04-03-2006, 07:27 PM
#30
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I have CSAA. I'm still debating whether or not to go through insurance. My fear is that if they do decide to cover it, my overall premiums will rise.
04-04-2006, 11:04 AM
#31
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On one hand comprehensive coverage covers this situation where it's not your fault and you can't/didn't identify which car kicked up the debris. Your premiums should not increase because of this--I've used comprehensive for several cracked windshields and body damage with no increase in premiums.
On the other hand rates might rise because of aftermarket parts increasing the total cost (and potential liability) of the car. I think that's fair. Think of it this way: you buy a $1000 car and get it insured. The insurance company charges premiums based on a max $1000 value. Would it be reasonable to put a $5000 audio system in the car and expect the insurance company to cover the entire $6000 amount if you're only paying premiums based on a $1000 value?
Regardless, bummer about your accident. If insurance does cover it get it replaced. Cracked fiberglass (especially for a flexible part like the bumper) repair never brings it back to original integrity. Sure you can put additional layers in back to strengthen the join but whatever you use to fill the surface is liable to flake off over time.
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On the other hand rates might rise because of aftermarket parts increasing the total cost (and potential liability) of the car. I think that's fair. Think of it this way: you buy a $1000 car and get it insured. The insurance company charges premiums based on a max $1000 value. Would it be reasonable to put a $5000 audio system in the car and expect the insurance company to cover the entire $6000 amount if you're only paying premiums based on a $1000 value?
Regardless, bummer about your accident. If insurance does cover it get it replaced. Cracked fiberglass (especially for a flexible part like the bumper) repair never brings it back to original integrity. Sure you can put additional layers in back to strengthen the join but whatever you use to fill the surface is liable to flake off over time.
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Alaska Medical Marijuana Dispensaries
Last edited by PUR NRG; 05-01-2011 at 07:36 AM.
04-04-2006, 02:31 PM
#32
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^Yeah, I was thinking about that too. I don't know exactly what Hybrid Aero is compared to regular fiberglass, but I don't think I am going to mix the two. I had been contemplating switching the front end up for awhile, but put it on the back burner. Maybe I'll take this time to do it now.
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