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Thread: Crash repairs-OEM vs Aftermarket Parts

  1. #11
    Nothing but a Thing Snboarder113's Avatar
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    Quote Originally Posted by WJCO View Post
    Go OEM.

    Dealer can tell you your factory axle ratio with your VIN (VIN number for Overlander).

    After installation, you can jack up a tire and spin it and count the driveline rotations to determine the gear ratio.
    or put it in 4 high and see if it moves without roasting a tire. If the front doesn't match the back somethings not gonna move right. Whoever you take it to get repaired is responsible for putting it back to the way it was, it only gets confusing if you try to take cash pay out instead, on a newer vehicle its better to get it repaired and not worry about the cash value pay out.

  2. #12
    Old Timer BaddestCross's Avatar
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    You shouldn't be dealing with the other insurance anyway. You pay for insurance so they make sure you get taken care of. If the other party is found to be at fault you shouldn't have to pay the deductible period.

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  3. #13
    Caught the Bug Nataqua's Avatar
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    Quote Originally Posted by Snboarder113 View Post
    or put it in 4 high and see if it moves without roasting a tire. If the front doesn't match the back somethings not gonna move right. Whoever you take it to get repaired is responsible for putting it back to the way it was, it only gets confusing if you try to take cash pay out instead, on a newer vehicle its better to get it repaired and not worry about the cash value pay out.
    Good point, thank you. right, it's a 2015 with only 15000 mi and I just bought it 3 months ago, so it's gonna take a lot of damage to total it. It sucks either way, seems.

  4. #14
    Word Ninja Sharkey's Avatar
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    Quote Originally Posted by OverlanderJK View Post
    Why would you not go to the dealer and get factory parts. This is gonna end bad for you I can see it already.


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    Quote Originally Posted by WJCO View Post
    Go OEM.

    Dealer can tell you your factory axle ratio with your VIN (VIN number for Overlander).

    After installation, you can jack up a tire and spin it and count the driveline rotations to determine the gear ratio.
    ^^ This xís 100! The insurance company cannot force you to go with non-OEM parts installed by Billy Bobís Auto Palace. Take it to Lithia and get a real estimate for OEM parts to be installed by the dealer...especially if you still have a warranty on the rest of the vehicle.

    Take that estimate to the insurance company, plus what it will cost you to have a rental car while the dealership fixes your Jeep. I wouldnít take a penny less and, whatever you do, donít sign a freakin thing the insurance company puts in front of you unless they have made you 100% whole.

    If the insurance company plays games, file a lawsuit against the driver. The driver will then tender the lawsuit to their insurance. The insurance company will settle the claim if it is within policy limits to avoid a bad faith claim from their insured (the driver).

    Iíll say it again to be crystal clear...you are entitled to be made 100% whole as if the accident never occurred.
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  5. #15
    Caught the Bug Nataqua's Avatar
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    Quote Originally Posted by BaddestCross View Post
    You shouldn't be dealing with the other insurance anyway. You pay for insurance so they make sure you get taken care of. If the other party is found to be at fault you shouldn't have to pay the deductible period.

    --
    Build Thread - Adventures of Fiona - https://wayalife.com/showthread.php?t=47407
    SIgh...I get conflicting reports about that. I've spoken to the 1-800 number people for my insurance, State Farm, and my local agent. They both say that require the deductible to 'start a claim'. I'll call my agent again tomorrow.

  6. #16
    Resident Smartass OverlanderJK's Avatar
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    Quote Originally Posted by Sharkey View Post
    ^^ This xís 100! The insurance company cannot force you to go with non-OEM parts installed by Billy Bobís Auto Palace. Take it to Lithia and get a real estimate for OEM parts to be installed by the dealer...especially if you still have a warranty on the rest of the vehicle.

    Take that estimate to the insurance company, plus what it will cost you to have a rental car while the dealership fixes your Jeep. I wouldnít take a penny less and, whatever you do, donít sign a freakin thing the insurance company puts in front of you unless they have made you 100% whole.

    If the insurance company plays games, file a lawsuit against the driver. The driver will then tender the lawsuit to their insurance. The insurance company will settle the claim if it is within policy limits to avoid a bad faith claim from their insured (the driver).

    Iíll say it again to be crystal clear...you are entitled to be made 100% whole as if the accident never occurred.
    I would listen to this guy. I think he read a lawyer book while he was bored once.


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  7. #17
    Word Ninja Sharkey's Avatar
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    Quote Originally Posted by Nataqua View Post
    SIgh...I get conflicting reports about that. I've spoken to the 1-800 number people for my insurance, State Farm, and my local agent. They both say that require the deductible to 'start a claim'. I'll call my agent again tomorrow.
    If you initiate a claim with your own insurance you could end up getting rated even if you were not at fault. Iíve seen it happen.
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  8. #18
    Word Ninja Sharkey's Avatar
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    Quote Originally Posted by OverlanderJK View Post
    I would listen to this guy. I think he read a lawyer book while he was bored once.


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    That, or I stayed at a Holiday Inn last night.
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  9. #19
    Caught the Bug Nataqua's Avatar
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    Quote Originally Posted by Sharkey View Post
    ^^ This xís 100! The insurance company cannot force you to go with non-OEM parts installed by Billy Bobís Auto Palace. Take it to Lithia and get a real estimate for OEM parts to be installed by the dealer...especially if you still have a warranty on the rest of the vehicle.

    Take that estimate to the insurance company, plus what it will cost you to have a rental car while the dealership fixes your Jeep. I wouldnít take a penny less and, whatever you do, donít sign a freakin thing the insurance company puts in front of you unless they have made you 100% whole.

    If the insurance company plays games, file a lawsuit against the driver. The driver will then tender the lawsuit to their insurance. The insurance company will settle the claim if it is within policy limits to avoid a bad faith claim from their insured (the driver).

    Iíll say it again to be crystal clear...you are entitled to be made 100% whole as if the accident never occurred.
    Quote Originally Posted by OverlanderJK View Post
    I would listen to this guy. I think he read a lawyer book while he was bored once.
    .


    Sent from my iPhone using WAYALIFE mobile app
    Quote Originally Posted by Sharkey View Post
    If you initiate a claim with your own insurance you could end up getting rated even if you were not at fault. Iíve seen it happen.
    Except that it needs to be towed to Lithia...I'll figure out how to get that done. I get it...Lithia has no investment other than to make my Jeep right regardless of cost, the rest are in each other's pockets. I didn't realize that about getting rated, thank you for that info too, Mr Sharkey.

  10. #20
    Meme King WJCO's Avatar
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    Quote Originally Posted by OverlanderJK View Post
    Why would you pay your deductible? You werenít at fault. Why even go to their recommended shop. Go where you want to go. You are not at fault.

    Quote Originally Posted by BaddestCross View Post
    If the other party is found to be at fault you shouldn't have to pay the deductible period.
    Quote Originally Posted by Nataqua View Post
    SIgh...I get conflicting reports about that. I've spoken to the 1-800 number people for my insurance, State Farm, and my local agent. They both say that require the deductible to 'start a claim'. I'll call my agent again tomorrow.
    Depends on how fast you want it fixed. If the other driver has decent insurance, the claim should be paid quickly and you shouldn't have to deal with the deductible. However, sometimes to get the claim going faster and get your vehicle repaired faster, your own insurance will pay the claim minus the deductible while they seek compensation from the other driver's insurance, which you will likely eventually get your deductible refunded.

    I've had two accidents in the last 5 years where other drivers (both uninsured) were at fault. Each time, I had to pay my deductible to get repairs going quickly. One was an honest mistake where the driver of the other car didn't realize that their parent (who owned the car) had the insurance expire about a month prior. They made it right and it took a few months but I was refunded and all is good.

    The other one was a mess and the driver had no license, no insurance and caused major injury to two people in a third party car. The district attorney got involved and this was years ago. This driver has to compensate court restitution first, then medical bills, then compensate me for my deductible. The judge ordered that she pay interest to all parties as well. However, this accident occurred about 5 years ago and I've only received 300 dollars of my 1000 dollar deductible. With interest, I should receive about 1300 someday. The district attorney told me up front that uninsured driver claims like this takes years. I don't even own that vehicle anymore.
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