Page 3 of 4 FirstFirst 1234 LastLast
Results 21 to 30 of 40

Thread: Crash repairs-OEM vs Aftermarket Parts

  1. #21
    Meme King WJCO's Avatar
    Join Date
    Sep 2015
    Location
    Colorado
    Posts
    26,464
    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. I’ve seen it happen.
    I've had this happen as well. Fucking blows.
    Jeep parts and accessories purchased through the following link will help support this forum and at no cost to you.
    RECOMMENDED JEEP PARTS & ACCESSORIES



    Support the JL forum: JLWRANGLER.COM

  2. #22
    Old Timer wjtstudios's Avatar
    Join Date
    Nov 2016
    Location
    Rochester, MI.
    Posts
    4,006
    Sounds like your in good hands if you follow Shark’s and WJCOs advice.

    I don’t think I saw it in the posts, but for the vehicle build sheet, you can do it for free on jeeps website. It may ask you to register the jeep, but once your logged in, there is an option to print it out if you want it for your records.

    Good luck!


    Sent from my iPhone using WAYALIFE mobile app
    2015 JKU Rubicon AEV JK350
    1985 Jeep CJ8 Scrambler

  3. #23
    Caught the Bug Nataqua's Avatar
    Join Date
    Oct 2018
    Location
    Reno NV
    Posts
    62
    Quote Originally Posted by WJCO View Post
    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.
    Quote Originally Posted by WJCO View Post
    I've had this happen as well. Fucking blows.
    Wow, you've had it worse than I, that's sure a lot to deal with when you've done nothing wrong, but that's the way these things are isn't it. ...this guy is insured and probably with the minimum limits, which shouldn't be an issue unless they total my Jeep, and that doesn't seem likely. I'll be heeding the advice from you and Sharkey regarding filing a claim (or not) with my Insurance, as my son had a small claim on my insurance a few years back, so I best be mindful of this. Time is a factor of course, but making the Jeep right is much more important to me than getting it done in a rush. Thanks for sharing your experience.

  4. #24
    Caught the Bug Nataqua's Avatar
    Join Date
    Oct 2018
    Location
    Reno NV
    Posts
    62
    Quote Originally Posted by wjtstudios View Post
    Sounds like your in good hands if you follow Shark’s and WJCOs advice.

    I don’t think I saw it in the posts, but for the vehicle build sheet, you can do it for free on jeeps website. It may ask you to register the jeep, but once your logged in, there is an option to print it out if you want it for your records.

    Good luck!


    Sent from my iPhone using WAYALIFE mobile app

    I'll check that out, I've not heard of it. Thank you!

  5. #25
    Hooked CapnMericaMyCopilot's Avatar
    Join Date
    Sep 2018
    Location
    NJ
    Posts
    236
    Quote Originally Posted by Nataqua View Post
    I'll check that out, I've not heard of it. Thank you!
    You can also view it in the ‘my jeep’ app but have to enter info/sign up.


    Sent from my iPhone using WAYALIFE mobile app

  6. #26
    Addict JKbrick's Avatar
    Join Date
    Feb 2013
    Location
    Leo, Indiana
    Posts
    6,670
    Quote Originally Posted by WJCO View Post
    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.
    This happened to my business recently, a worthless drunk guy hit our 2017 van head on at 3 in the afternoon, my insurance ended up paying to fix my van. Really pisses me off


    Sent from my iPhone using WAYALIFE mobile app

  7. #27
    Old Timer jesse3638's Avatar
    Join Date
    Sep 2012
    Location
    Apple Valley, CA
    Posts
    4,912
    As mentioned choose a shop you want and request OEM parts. It's your right. The only thing which may be affected is warranty work on the repair. Typically insurance companies and body shops will provide a lifetime warranty if it's repaired at an approved shop.

    Last year I was side swiped on the freeway. The kid had what appeared to be valid insurance. Called his company and he had already reported the accident. They said they had to check into his policy as they weren't sure of the coverage. As a result I initiated a claim with my insurance (Statefarm). They acted quick and set up an appointment with a Statefarm approved shop to have the estimate done though I wasn't going to use that shop. He determined the estimated cost of repair and cut me a check, less $500 for my deductible on the spot. Statefarm contacted the other drivers insurance an determined he wasn't covered and changed the claim to an uninsured motorist claim. They sent me the additional $500 within days and assured me I wasn't going to be rated as I wasn't at fault. My premium did not change. However I ended up switching insurance about 6 months later as I saved a lot by switching to Mercury.

    Just a couple weeks ago my wife was rear-ended. Mercury also took care of everything and since she wasn't at fault our deductible was waved. The only hang up was the shop trying to get parts during due to the holidays. His insurance covered the difference in rental car coverage too.

    Sent from my 2PYB2 using WAYALIFE mobile app

  8. #28
    Nothing but a Thing Snboarder113's Avatar
    Join Date
    Oct 2015
    Location
    michigan
    Posts
    1,116
    You guys are lucky you don't live in a "no fault" state where your insurance pays for you, but still assigns blame and ups rates arbitrarily. Double the cost, triple the headache, rate goes up for everything.

  9. #29
    Knows a Thing or Two nbunga's Avatar
    Join Date
    May 2017
    Location
    Northeast Indiana
    Posts
    834
    https://www.mopar.com/jeep/en-us.html

    Here’s the link to where you can register your Jeep and get a build sheet to find your gear ratio.

  10. #30
    Word Ninja Sharkey's Avatar
    Join Date
    Oct 2011
    Location
    Nevada
    Posts
    11,630
    Quote Originally Posted by Nataqua View Post
    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.
    Then add the cost of towing to what you demand from the insurance company. Again, you should be out of pocket exactly ZERO dollars.
    Jeep parts and accessories purchased through the following link will help support this forum and at no cost to you.
    RECOMMENDED JEEP PARTS & ACCESSORIES

Page 3 of 4 FirstFirst 1234 LastLast

Similar Threads

  1. Jeep JKU Aftermarket Parts For Sale
    By LAJK in forum FOR SALE (Active Members ONLY)
    Replies: 6
    Last Post: 06-27-2018, 03:11 AM
  2. Aftermarket foreign and domestic parts good and bad
    By catahoula in forum Jeep JK Wrangler
    Replies: 12
    Last Post: 04-29-2018, 12:48 PM
  3. JL Aftermarket Parts
    By JAGS in forum Jeep JL Wrangler
    Replies: 3
    Last Post: 01-10-2018, 03:13 PM
  4. Aftermarket parts for sale.
    By Zadi in forum FOR SALE (Active Members ONLY)
    Replies: 5
    Last Post: 07-05-2016, 06:11 AM
  5. IL - Aftermarket JK parts for sale
    By klemb in forum FOR SALE (Active Members ONLY)
    Replies: 2
    Last Post: 04-09-2015, 01:22 PM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  
About us
“wayoflife” is a moniker that I’ve been using for 20 years now and I chose it because I think it does a great job of explaining, in simple terms, the passion I have for Jeeps and the Jeep way of life. This is a lifestyle that transcends age, gender and race as the only thing you need to be a part of it is a love for the outdoors, a desire to explore, a yearning to take on a challenge and a will to conquer it. Over the years, Cindy and I have attempted to capture the essence of this lifestyle through photographs and videos and share it with others around the world. And, this is how WAYALIFE was born.
Join us
WATCH OUR VIDEOS