that makes me feel alittle better.. i hope they step it up too..

 

Do i see a TT G37 in Sam's future?

GTM style?

 

If you want, I'll sell you my car so you don't have to buy all those mods over again.

 

Never.

 

eBay!

 

OMG...truly sorry for your loss!

 

Wow... that’s just horrible Sam... I'm really sorry for your loss - it sux for something like that to happen to anyone, but to someone so cool is even worse!

I hope the insurance thing works out... life brings good things in strange ways - so keep your head up, something better just might come out of this!

I know its' hard, but try to stay positive!

Good luck!

 

AIG is one of the companies that I write. I will look into some info for you tomorrow when I get to the office. 100/300 is your liability limit so it would not apply in this case. Liability covers a third party's damage if you hit them. In this case, it's your comprehensive (theft, fire, vandalism) coverage that would come into play. You will be covered up to the value of the vehicle (a stock G) for sure. The only question is whether AIG will cover your aftermarket parts. I work with 20+ different companies so I don't recall off the top of my head, but I will look into this for you tomorrow.

 

Uggghhhh . . . and here I thought that you only gave bad advice when it comes to FI.
1. Just because you have "full coverage" (a term that insurance people hate for this exact reason), doesn't mean that everything will be covered. Every insurance company has different underwriting rules. Insurance companies are only required to return a vehicle back to stock form. The majority of insurance companies require that you purchase special equipment coverage to cover aftermarket parts. Some companies don't even offer special equipment coverage. In general, insurance companies hate modded cars because of the increase in risk. There are just a very few companies that will cover everything no matter what with just receipts. But those companies are usually a lot more expensive for just that reason. "Full coverage" hardly ever means FULL coverage.
2. I have never heard of this so I have no comment here.
3. True. But unless it is automatically included as part of the policy, rental car coverage is a coverage that must be purchased separately. If rental car coverage is not on the policy at the time of a loss, they will not provide a rental car. But I don't think Sam needs one anyways.

 

Sorry to see the loss you have.

I hope all works out with the insurance company.

 

You're an idiot.

Wrong, completely wrong. I've dealt with mods on all of my cars. My 300zx tt caught on fire, and insurance covered everything, even the mods. My 1996 trans am was totalled and mods were covered on that as well lol. I have never had any separate insurance policy or stipulation with in the terms of the policy which "covered aftermarket parts"

Insuring mods is no different from insurance for something stolen out of a vehicle (say a laptop). If it is on or in your car, and it is lost or damaged, insurance companies are obligated by almost every state in the U.S. to make the policy holder whole.

Because you don't what the law generally requires in CA

Wrong again. You usually purchase rental coverage with whatever insurance package you purchase. Most "full coverage" insurance policies have vehicle rental as part of the contract.

I haven't read Sam's contract (neither have you) so you can't tell her what one company does and what one company doesn't. I only attempted to give broad advice as to things to think about and to look for. If she has any questions about what exactly she is entitled, this is a question for her agent to answer, or an attorney, if she chooses to seek one out.

 

aaaaaaaaaaaahhhhhhhhhhhhhhhhhhhhhhhhhhhhh


thats all im saying....

 

thanks for the advice guys..

hex please look into AIG for me asap.. and pm me whatever you find out.

i talked with one of the ladys that sold me the insurance (my broker) on friday morning and and told her what had happened and she said 'samantha your only covered up to 15k.. thats the number that the contract states' ..

geeeeeeeeeeez

 

ryan!!!!!!!!!!!!!!! - just noticed in your avatar that you have a skelanimal.. i ordered one for my car last monday.. but it was the pink chungkee panda.. ehhhhhhhhhhhhhhhhhhhh i totally forgot about that.. i bet it will be here tomorrow too.. this makes me even sadder.

 

I've been involved in accidents in 2 modded cars, and my insurance company (Allstate) even paid the 3k for my new rims/tires that were damaged. I am not sure what kind of ghetto (Geico) insurance company you guys deal with...

Second, I recall the 06 projectors being recalled for blinding other cars, but also could swear there was some sort of 'fire hazard potential' or maybe I am dreaming. I think I had read in addition to them blinding oncoming traffic, there was also a potential for fires w/ them which is why they were removed off the market???

Sorry to see this, the car looked sick but be glad nothing/nobody else was destroyed. In my opinion, everythign happens for a reason, be glad it happened this way and not while your family was in the car on a freeway.

Unfortunately, if insurance was to 'fix' you car (if thats even plausible) and you had an insurance company which would pay for all that stuff than it wouldnt be so bad. However, this looks like a total loss, where the insurance company I feel may just give you the fair market value of the vehicle.

Collecting $$ for mods really only works
1. If your insurance company is willing to pay for them (like mine was)'
2. If your car is still able to be fixed w/o being written off...

Good luck