LionZoo

Sorry about your car man, but at least it seems like you won't have to pay out of pocket for this. Considering the locale I'm not even surprised. I mean it is NYC! The likelihood of a car getting messed up in that city is about the same as the likelihood of the sun rising tomorrow. If I lived in NYC, I wouldn't drive any car that I liked, that place simply hates cars.

nycgps

iTrader: (1)

well, they said I need to fax in the invoice and they will try to "recover" it back from other party, and god knows how long is that gonna take.

But in this case, I heard the other guy is Geico as well, so lets hope that this will be faster.

I have to get the insurance report from cops to get the info, but judging from how fast and efficient they work ... I would say I gotta wait at least another 3-4 days or a week b4 I can get it (and I need to pay 10 bux for a report too)

I am extremely careful at all times, but the problem is that I never expect someone would kill my front bumper like that. Not at parking lot, not when Im moving, not at intersection. lol

LionZoo

I've had more than one person back into me while I was solid on the horn and then they claim they didn't see me. I think some people just learn to ignore horns and I think in NYC this is probably more common since NYC drivers tend to honk at the slightest provocation.

Let time I'm in NYC, probably two weeks from now, let's meet up. Would be nice to talk to another rotorhead while I'm doing my time on the East Coast.

nycgps

iTrader: (1)

Sure

but not even sure if my 8 would be ready by then ... cuz all these "Geico does not cover aftermarket parts" BS ... The Front probably Sooner since the other guy has Geico too and the Cops are side with me. lets hope for the best.

the rear ... *sigh*

cidvicious831

damn... thats shitty luck. what happened to the bumper the first time?

CarAndDriver

Good luck! No wonder NYC insurance is probably so outrageously high.

LionZoo

If you're claiming the insurance of the other guy, it doesn't matter if your parts are aftermarket or not. Insurance might not cover aftermarket parts, but only on the insurance carrier's car.

mazdaverx7

iTrader: (6)

keep us posted with what unfolds. that is a really shitty thing to have happen. perhaps another reason i don't live in NY. i hate the traffic. drove an RX-7 i just bought home from Armonk NY once. gridlocked for 3hrs. i like living away from the city. lots of traffic=stupid non caring drivers.

nycgps

iTrader: (1)

Well long story short

My first MS Bumper got pwned by NYC shitty roads, Paid out of pocket for 2nd one, then it got pwned by this Pathfinder ...

The MS lower rear bumper got pwned by some moron car service guy ...

MS side skirt ... got pwned by shitty NYC roads ... how ? ... Its so uneven that the side of roads are ... ahh whatever. Didnt bother to get another one yet. I left it as is hanging 1/2 way.

Yep, I dare to say over 95% of the New York City drivers are either blind, or simply dont cared.

ITs just sad that the 5% of the people like me, gotta pay for those 95% moron's mistakes.

I know, but now I have to buy another bumper first before I can get the other guy to pay for my bumper.

if the other party's insurance is really Geico that will make this whole thing a lot easier. but if its not ... I might have to suck it up and pay for it "first" then wait for god knows how long before Geico can recover it for me ...

2 bumpers, 1 pair of side skirt, 1 rear bumpers ...

I ask myself many many times the same question "how did these blind fuxks got their licenses in the first place?"

Vlaze

iTrader: (14)

Aftermarket parts should be covered. However, you have to inform the insurance agency of the parts you bought that are such so they can make note and records of it. If you don't then they most likely will not cover it.

One thing I still don't get is a few groups say you still have to pay deductible in a no-fault accident or collision, wtf is that? I had a co-worker who saw a kid in an SUV back into his Audi A4 when he was parked and honked his horn like you did at him. He didn't wind up paying a cent as it was no-fault. I checked my State-Farm policy, still mentions deductible but I'm calling them up tomorrow to discuss this and get clarity out of it as well as double checking the aftermarket parts portion.

nycgps

iTrader: (1)

this is how it works (From all my prior experience with Geico's claim process)

Lets say :

Party A - You
Party B - is the person that hits you
Lets say your policy has 100 bux deductible for collision

When B hits you, you're 99.99999% sure he will be "at fault", you will have 2 choices.

First - Lets say The damage will cost 1000 bucks to repair. you cant stand that extra hole "Party A" put on your car, you want to fix it asap. You will use your collision coverage, it will "treat the case as" you just crash your car into a wall and you made that hole yourself. Insurance will ask you to pay 100 bux, then the insurance will cover the rest (900). THEN the insurance will get all information from you about "Party B" including any police report, pictures, witness, etc, so they can go after "Party B" to try to "recover" the 900 bucks FIRST then your deductible. In many cases if "Party B" is "at fault", his insurance(assume he has insurance) will have no choice but to "suck it up" and pay everything, which means 1000 dollars and give it to your insurance company, your insurance is happy because they basically didnt lose anything, then they will give you back your Full amount of deductible.

The problem with the "First" example is that, you will get your deductible back ONLY if Party B is 100% "at fault" and you are "no fault. if the accident turns out to be "nobody's at fault", which means You're also responsible for the accident for "whatever reason", then depends on the damage on both parties, the "best" you might get is 50% of your deductible.

Option 2 : You got hit, it cost 1000 bux to fix, Hmm, you said to your self that you dont care about how your car looks, its a pos Civic anyway(lol), but you're not going to let "Party B" go for nothing. So you will take your repair estimate from a bodyshop or something, and take it directly to the other party's insurance company. This is a pretty painful option because "Party B"'s insurance will start playing games with you like, oh thats your estimate, not mine, we can repair it with this and that, it will look the same, blah blah blah blah blah, just want to get you **** and "forget about" the whole thing. Or sometimes they're just going to drag you by not returning calls/mails/whatever. Tons of stuff. Seriously speaking if you push them hard enough "eventually" you will get your money, only if "party B" is at fault tho.

if its a "no fault" accident, hohoho, they will drag you even longer, send their lawyers to play games with you, bring the thing up to the insurance court and others stuff,etc etc.

So yeah ... there you go.

Im 90% going to take Option A, that means I might have to pay everything out of my pocket first and get it back later ... but Im just waiting for my accident reports to come, as soon as it comes out, Im going to get Geico to pay me full amount. (cuz he has geico too, makes it easier)

most insurance company do NOT cover aftermarket parts, some even deny your policy if you bring the subject up. Some are cool with it as long as you pay a bit extra for them(Progressive is one of them)

Geico is a bit weird, before I got my car, I did ask them the same question, the answer I got was, they do NOT cover aftermarket parts, even if Im willing to pay a bit extra. Oh but now they start giving me **** like "oh you did not endorsed them before so we cannot cover them", what a load of bullshit.

Im with Geico 4 years, guess when its time to renew, its also the time to switch, even if I have to pay more. I cant take bullshit.

Davey's RX-8

iTrader: (1)

If a person like that had hit me, they wouldn't have a head attached to their shoulders afterwards either.

Davey's RX-8

iTrader: (1)

Geico is right on the money with this. If you have aftermarket parts you have to have additional coverage for the specific parts. You want to do this with minimal upfront cost, run the claim through the either guys insurance company.

DubbsLuvs8s

iTrader: (1)

Unfortunately, 95% of the population says the same thing, haha.

Sorry to joke in your time of grieving. Seriously though, that sucks. NYC city roads are neglected. You can tell as soon as you drive on a side street from nassau where the queens border is from the roads.

Chris

iTrader: (10)

i think the garbage juice is hilarious. is that right where the cabin filter is? if it is then i cant imagine how horrible the ac smells oh well **** happens.... literally haha

nycgps

iTrader: (1)

lol !

Its all good

YEah ... as soon as you start feeling bumpy roads/see some potholes you know you're in NYC ...

Cabin filter is located inside the car, behind the glove box you N00B !!!!

well but the tube goes out so yes it smells ... I just turn AC on with Air Circ the whole time ... it rain pretty hard yesterday and washed everything away ...

damn talk about luck ... got owned from the front ... then garbage Juice ... classic man this is classic ...

ken-x8

You can lose part of the deductable even if the other guy is 100% at fault. I once got hit while parked, the other guy stonewalled, and my insurance company at the time had to sue. I only got 1/3 of my deductable back. Reasoning was that they had to allow for the lawyer's 1/3 contingency fee, and they did the math in a creative way that left me out 2/3 of my deductable. I switched to GEICO, who said they did not do that kind of thing. They did try once (at least with honest arithmetic), but yelling at them worked.

I'd need to check, but I think my last renewal said that aftermarket parts are covered without having to declare them. That may just be in Virginia, though.

Ken

dynamho

Man, didn't someone rear end you like two weeks ago?

Sorry dude.

newguy

wow that sucks the big one, ms bumper in blk cherry, damn. Is ins gonna spring for a MS bumper? sorry bout that bro.
EDIT: I read your above post, I just switched to GEICO btw from Libery Mutual, I had to grab the money I could be saving with GEICO, the $60 a month wouldnt stop staring at me! I guess Im ok with them Ive got a stock bumper and dont plan on going aftermarket.

nycgps

iTrader: (1)

hmm, I am going to dig my policy papers up and read all the fine prints.

Cuz Im hearing difference stories all over Geico's employees. This one tells me I have to endorsed the aftermarket parts first before its covered. the other one is telling me I just have to send the invoice in.


Yes sir. They called me today about it, and see if Im going to use them to fix it or I go after the other guy's insurance on my own, I was like hold on now, u guys didnt even add my aftermarket rear into the estimate yet, how do u expect me to fix anything ? They have yet to get back to me.

MS bumper doesnt have black cherry, I have to buy the primer, then have bodyshop paint it.

nycgps

iTrader: (1)

Just re-read the fine prints.

I Have to tell them first before its covered. and this rule applies to all state EXCEPT for Virginia and North Carolina

Davey's RX-8

iTrader: (1)

Confirmed. GEICO after going through subrogation/litigation with the at fault drivers company will get your deductible back to you. Girl who hit me only had $10k property damage coverage (who the hell only has $10k coverage?) and total damage between mine and the car who hit her was about $22k. Even though both cars with damage exceeded her limits, the companies agreed to a split of her policy limits based on the cost of further litigation and of the money GEICO recovered they made sure I got my deductible back. Whole process took about 8 months.

YaXMaNGTO

Sorry to hear this...

Insurance? Everybody has to deal with that, but, your car got **** on by a garbage truck. You've had just about every panel ripped off of it in one way or another in a space of very little time.

So can I ask a question? Why do people WANT to live in New York? It's painful to hear about this stuff. I'd go ******* crazy after the first week of living there. Is it some sort masochistic thing? You've been beaten over the head so long that when it stops, you go "hey. what the hell? I need a good beating or I won't feel right."

What is the draw? So much additional crap and "overhead" you have to deal with in life...

always.anthony

calm down, your car can be fixed.

path finder's owner's brain, however, can't.

416to212

Here's a pic of your 8 before the beat down night... I spotted you midtown once..



As for why live in New York City..... It's the center of the universe for food, fashion, financial, culture, and entertainment. NYC has it's problems but this is the best city in the world, 24 hours a day.


As for geico. As long as I tell them I have Volks they will still retain my policy and even cover them if they are damaged in an accident? Will they can a policy if you have an exhaust installed?