Just got in Accident this morning...Anybody know if Insurance will cover my 2k2 HID's
#1
Just got in Accident this morning...Anybody know if Insurance will cover my 2k2 HID's
I have 2001 & now that I think about it, will insurance cover my 2k2 headlamp cost? Anybody go through this?
I don't have a receipt for headlamps since I bought headlamps from member Jer years ago through paypal.
First car accident with the Maxima...
I don't have a receipt for headlamps since I bought headlamps from member Jer years ago through paypal.
First car accident with the Maxima...
#4
You can also work it out with the bodyshop. The body shop I took my car to last year replaced my aftermarket stuff and the insurance company paid for it. I had the clear bumper lenses, aftermarket side marker lenses and I have Tokico Illumina shocks. On the passenger side is where I got hit. I told the owner of the bodyshop about the aftermarket stuff and he ordered a new Illumina shock and the lights. Insurance company didn't say anything.
#5
Originally Posted by il99max
You can also work it out with the bodyshop. The body shop I took my car to last year replaced my aftermarket stuff and the insurance company paid for it. I had the clear bumper lenses, aftermarket side marker lenses and I have Tokico Illumina shocks. On the passenger side is where I got hit. I told the owner of the bodyshop about the aftermarket stuff and he ordered a new Illumina shock and the lights. Insurance company didn't say anything.
#8
yeah, if you didn't have your aftermarket stuff covered by your insurance then they won't cover it - even though the headlights are oem, they weren't available until 2k2. My buddy had his car broken into; they stole his apexi rev-meter, vafc, aftermarket shift **** and in the process destroyed the wiring harness. His insurance would only cover the OEM parts that were destoryed.
#12
most likely not unless you know people at the shop. ins only cover aftermarket stuff if you tell them you have them, which will make your isn go up, so most people dont do that. was it your falut or other guys?
#15
Originally Posted by il99max
You can also work it out with the bodyshop. The body shop I took my car to last year replaced my aftermarket stuff and the insurance company paid for it. I had the clear bumper lenses, aftermarket side marker lenses and I have Tokico Illumina shocks. On the passenger side is where I got hit. I told the owner of the bodyshop about the aftermarket stuff and he ordered a new Illumina shock and the lights. Insurance company didn't say anything.
#16
Sorry to hear that..Just an idea..If you get some connections to the shop thats doing the work (ie, you know a guy there, or you know someone that gives them lots of buisness) Maybe they'll charge the most they can from the insurance company, and sacrafice some of the profit for your fix..Just thoughts..
#18
The logic in this thread is a bit odd.
How are aftermarket headlights getting stolen any different from an aftermarket CD player getting stolen? Your insurance will cover the CD player, won't it? Same with your rims, won't they?
Also, when I installed my 02-03 HIDs in my 00, I called USAA (my insurer) to see if they were covered, and if I had to pay extra. They told me that any "part" of the car, stock or aftermarket, is covered under my standard comprehensive, while any non-part inside the car (i.e. CD case, sunglasses, etc) can either be claimed on my car insurance or on my homeowner's insurance.
With the HIDs...if they DON'T cover it:
1. the ballasts are still good, and they are the expensive part.
2. just find a new headlight housing (without ballasts) and install your OEM ballast into it)....the 02-03 headlight housing can be found for under $100 at a junkyard anyhow - whereas a NEW 00-01 headlight assembly is $150 or so from the dealer, IIRC.
How are aftermarket headlights getting stolen any different from an aftermarket CD player getting stolen? Your insurance will cover the CD player, won't it? Same with your rims, won't they?
Also, when I installed my 02-03 HIDs in my 00, I called USAA (my insurer) to see if they were covered, and if I had to pay extra. They told me that any "part" of the car, stock or aftermarket, is covered under my standard comprehensive, while any non-part inside the car (i.e. CD case, sunglasses, etc) can either be claimed on my car insurance or on my homeowner's insurance.
With the HIDs...if they DON'T cover it:
1. the ballasts are still good, and they are the expensive part.
2. just find a new headlight housing (without ballasts) and install your OEM ballast into it)....the 02-03 headlight housing can be found for under $100 at a junkyard anyhow - whereas a NEW 00-01 headlight assembly is $150 or so from the dealer, IIRC.
#20
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i notice everybody is saying if it "got stolen". well, he said he was in an accident and hasnt said otherwise so lets just say he was in an accident. ask your insurance company, and if they say no just have the shop make sure they write it up for whatever and get you the HID headlight.
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TallTom
5th Generation Maxima (2000-2003)
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07-08-2022 09:54 AM