LSX 438 Twin Turbo
Jul 12, 2008 | 02:59 AM
#1181
Teching In
Joined: Jul 2004
Posts: 40
Likes: 0
Auto insurance offered me 30,000.00 for my truck today, that is just for a 2004 Sierra Denali, NO aftermarket parts, my homeowners insurance will cover that, I told them I would except the 30 grand if they included the salvage truck, they said they would get back to me Monday or Tuesday.
Mark
Mark
Jul 12, 2008 | 09:44 AM
#1182
Thread Starter
TECH Addict
Joined: Jul 2005
Posts: 2,060
Likes: 0
From: Stockton, CA
Jul 18, 2008 | 09:44 AM
#1183
So whats up with it to now?
My sti wrx i had over 15k of receipts (engine, turbo, sound system, wheels etc) and i got 32 back for the car plus they gave me 14300 for the modifications. WHere they **** you is they prorate it all. I had my buddy do receipts dates 2 months back and in 2 months allready gave me 700 less. They told me they would insure up to 50k in aftermarket modifications. I did 20k extra and that cost me like 100 bucks for 6 months they said 50k would be about 150 extra for 6 months def worth it but if you have mods that date back over 1 year with how they prorate in california you better make sure to make some receipts that are max a few months old.
also so you know (this sucks)
In the state of califorina home owners DOES NOT cover vehicles unless your vehicle is not insured. Ie if you have car insurance thats the only thing that will take care of it but if you have homeowners insurance and lets say car has no insurance and sitting in the garage then it will cover it and at the same time they will only cover the value of the car. HOME OWNERS insurance has no clause and never did offer aftermarket insurance for any vehicle. My cousin is in the fraud unit for allstate and told me all this last night after I had him read this topic to him.
He said "If this guy thinks he will get any money from homeowners insurance its going to be a rude lesson. Ive seen this happen before and it just sucks for the customer because they get the raw deal"
Did you have aftermarket insurance on your truck???
My sti wrx i had over 15k of receipts (engine, turbo, sound system, wheels etc) and i got 32 back for the car plus they gave me 14300 for the modifications. WHere they **** you is they prorate it all. I had my buddy do receipts dates 2 months back and in 2 months allready gave me 700 less. They told me they would insure up to 50k in aftermarket modifications. I did 20k extra and that cost me like 100 bucks for 6 months they said 50k would be about 150 extra for 6 months def worth it but if you have mods that date back over 1 year with how they prorate in california you better make sure to make some receipts that are max a few months old.
also so you know (this sucks)
In the state of califorina home owners DOES NOT cover vehicles unless your vehicle is not insured. Ie if you have car insurance thats the only thing that will take care of it but if you have homeowners insurance and lets say car has no insurance and sitting in the garage then it will cover it and at the same time they will only cover the value of the car. HOME OWNERS insurance has no clause and never did offer aftermarket insurance for any vehicle. My cousin is in the fraud unit for allstate and told me all this last night after I had him read this topic to him.
He said "If this guy thinks he will get any money from homeowners insurance its going to be a rude lesson. Ive seen this happen before and it just sucks for the customer because they get the raw deal"
Did you have aftermarket insurance on your truck???
Last edited by NORCAL TBSS; Jul 18, 2008 at 09:56 AM.
Jul 18, 2008 | 10:51 AM
#1184
We burnt it down and Mark and I are collecting the insurance. ehehehehehehehehehehehehe. Just playin.
We are doing pretty well now we are trying to not get stopped on a daily basis with other stuff. We got everything in the bed of the truck done, got all the power wiring and grounds all back in it. The truck has full power now which means we can put together more engine bay stuff without having to go back around it all. Fuel system lines are all done, wiring is just about done. Have to order a few small things like boost controller and such. Getting there. Hang tight everyone. The weeks change by the minute.
Rick
We are doing pretty well now we are trying to not get stopped on a daily basis with other stuff. We got everything in the bed of the truck done, got all the power wiring and grounds all back in it. The truck has full power now which means we can put together more engine bay stuff without having to go back around it all. Fuel system lines are all done, wiring is just about done. Have to order a few small things like boost controller and such. Getting there. Hang tight everyone. The weeks change by the minute.
Rick
thats kinda weird... found this way earlier in the thread
Jul 18, 2008 | 11:25 AM
#1186
Allstate?
When I got sideswiped way back when in the hit-n-run, Allstate said they only cover $1000 for any aftermarket mods, unless you get a stated-value policy (or similar policy). Even then, they said they would prorate it from the time of the appraisal.
I found a different company that will do 'agreed-value' policies. It's even cheaper than Allstate, and they take your word on the value. It's for collector cars, etc., and can't be used if its your only car (they make you agree you only drive it for pleasure, exhibitions, shows, etc.)
When I got sideswiped way back when in the hit-n-run, Allstate said they only cover $1000 for any aftermarket mods, unless you get a stated-value policy (or similar policy). Even then, they said they would prorate it from the time of the appraisal.
I found a different company that will do 'agreed-value' policies. It's even cheaper than Allstate, and they take your word on the value. It's for collector cars, etc., and can't be used if its your only car (they make you agree you only drive it for pleasure, exhibitions, shows, etc.)
Jul 18, 2008 | 12:24 PM
#1187
Teching In
Joined: Jul 2004
Posts: 40
Likes: 0
also so you know (this sucks)
In the state of califorina home owners DOES NOT cover vehicles unless your vehicle is not insured. Ie if you have car insurance thats the only thing that will take care of it but if you have homeowners insurance and lets say car has no insurance and sitting in the garage then it will cover it and at the same time they will only cover the value of the car. HOME OWNERS insurance has no clause and never did offer aftermarket insurance for any vehicle. My cousin is in the fraud unit for allstate and told me all this last night after I had him read this topic to him.
He said "If this guy thinks he will get any money from homeowners insurance its going to be a rude lesson. Ive seen this happen before and it just sucks for the customer because they get the raw deal"
Did you have aftermarket insurance on your truck???
In the state of califorina home owners DOES NOT cover vehicles unless your vehicle is not insured. Ie if you have car insurance thats the only thing that will take care of it but if you have homeowners insurance and lets say car has no insurance and sitting in the garage then it will cover it and at the same time they will only cover the value of the car. HOME OWNERS insurance has no clause and never did offer aftermarket insurance for any vehicle. My cousin is in the fraud unit for allstate and told me all this last night after I had him read this topic to him.
He said "If this guy thinks he will get any money from homeowners insurance its going to be a rude lesson. Ive seen this happen before and it just sucks for the customer because they get the raw deal"
Did you have aftermarket insurance on your truck???
Allstate?
When I got sideswiped way back when in the hit-n-run, Allstate said they only cover $1000 for any aftermarket mods, unless you get a stated-value policy (or similar policy). Even then, they said they would prorate it from the time of the appraisal.
When I got sideswiped way back when in the hit-n-run, Allstate said they only cover $1000 for any aftermarket mods, unless you get a stated-value policy (or similar policy). Even then, they said they would prorate it from the time of the appraisal.
Jul 18, 2008 | 02:21 PM
#1188
Thread Starter
TECH Addict
Joined: Jul 2005
Posts: 2,060
Likes: 0
From: Stockton, CA
So whats up with it to now?
also so you know (this sucks)
In the state of califorina home owners DOES NOT cover vehicles unless your vehicle is not insured. Ie if you have car insurance thats the only thing that will take care of it but if you have homeowners insurance and lets say car has no insurance and sitting in the garage then it will cover it and at the same time they will only cover the value of the car. HOME OWNERS insurance has no clause and never did offer aftermarket insurance for any vehicle. My cousin is in the fraud unit for allstate and told me all this last night after I had him read this topic to him.
He said "If this guy thinks he will get any money from homeowners insurance its going to be a rude lesson. Ive seen this happen before and it just sucks for the customer because they get the raw deal"
Did you have aftermarket insurance on your truck???
also so you know (this sucks)
In the state of califorina home owners DOES NOT cover vehicles unless your vehicle is not insured. Ie if you have car insurance thats the only thing that will take care of it but if you have homeowners insurance and lets say car has no insurance and sitting in the garage then it will cover it and at the same time they will only cover the value of the car. HOME OWNERS insurance has no clause and never did offer aftermarket insurance for any vehicle. My cousin is in the fraud unit for allstate and told me all this last night after I had him read this topic to him.
He said "If this guy thinks he will get any money from homeowners insurance its going to be a rude lesson. Ive seen this happen before and it just sucks for the customer because they get the raw deal"
Did you have aftermarket insurance on your truck???
you were right about one thing , auto insurance said they would only cover 1000.00 dollars in aftermarket parts. BUT my homeowners already said they would cover ALL aftermarket parts, so I guess you friend was wrong
Mark
