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 No bumper(s) Insurance claim(s)
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| Author | Topic: No bumper(s) Insurance claim(s) |
Lone Ranger               POA Site Supporter Prowler Junkie From: Sedalia Mo USA |
posted 12-30-2003 04:27 PM
    
I was wondering if anyone has had an insurance claim after they had removed their bumper(s), and what was the final outcome? |
steelercat Prowler Junkie From:Osage Beach, MO. USA |
posted 12-30-2003 04:33 PM
I would like to know also, I just removed my fronts and I am thinking about doing the rears. |
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YellowFever unregistered Admin Use |
posted 12-30-2003 04:40 PM
quote: I don't think an aswer to this question will help/hurt one way or the other as most insurance companies are independent. In other words, just because company A does in Southern Kalimazoo, doesn't mean that same company (different office) will in Northern Kalimazoo. I personally think it may even give some companies leverage NOT to pay any claim. |
Bob Goetz  POA Site Supporter Mr. Real Rod From:Belle Plaine MN USA |
posted 12-30-2003 05:18 PM
I had to take my car into the insurance companies office to have them look at it and take pictures fall 2001 because I wanted my car covered for $50,000 on a total loss ( my car had no bumpers front or rear ), I just recently took my car back in to have have it done again and up coverage to $65,000 ( car now has chrome rear bumpers, chrome front body protectors ) the agent inspecting the car noticed all the changes including the bumpers. In short it did not seem to matter if the car had them or not they just wanted photos and copy of invoices for the aftermarket and custom work to put a value on a total loss replacement. I was asking for $70,000 and they agreed to $65,000, the cost to me to do this over the standard policy was $147.00 more a year. So if you have no bumpers take pictures give them receipts for custom work, put extra coverage on the car and now they can not dispute anything. ------------------ |
Marty Usher   POA Site Supporter Prowler Junkie From:San Antonio, Texas, United States |
posted 12-30-2003 05:56 PM
Thanks for the suggestion Bob. Now I'll call you in the morning to get receipts from you for Chrome nut covers, Suspension brace, Chrome doorsill covers, Classic bumper cover, Aero rear pan, Air Patrol, Seat cushion foam, Torque Trust Wheels, Stainless dual mufflers, and whatever else I have bought or stolen off your car at POA events!  |
ed monahan   POA Lifetime Site Supporter Prowler Junkie Personal ScrapBook From:Cincinnati, Oh, USA |
posted 12-30-2003 07:25 PM
Mine is still stock. lol ------------------ |
catfish POA Site Supporter Prowler Junkie From:scottsdale,az,usa |
posted 12-30-2003 07:41 PM
fyi,the frt.bumpers,when on the car have alot to do w/air bag deployment,in a crash where they should deploy.w/o them, it changes the time at which they will deploy.on every car the frt.bumper is part of the deployment system.it actually is responsible when to deploy them,because it absorbs the main force .the crash must be absolutly dead center and have enough force.no bumpers changes that.w/o bumper it would take more force,or might not deploy at all.doesnt mean anything now.in a serios crash where they should have deployed and didnt,or somebody was seriously injured or died, it could mean alot.az.doesnt even have a law that says you must have bumpers on your car..if it ever happened,lets hope not,what a insurance mess that could be. ------------------ This message has been edited by jan bruggeman on 12-30-2003 at 07:44 PM |
Black Tie 161 POA Site Supporter Prowler Junkie From:MD, USA |
posted 12-31-2003 07:26 AM
Maybe your arse is covered like Bob said, if you let your ins. company know the mods to the car. There are insurance companies that specialize in covering hot rods and specialty cars, they would understand no bumpers... |
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catfish POA Site Supporter Prowler Junkie From:scottsdale,az,usa |
posted 12-31-2003 10:40 AM
a while ago i called my am/fam agent,and told him about all the mods,a little over 6000.00 worth.he said get a rider to your policy to cover it all.cost me 43.00 for 6 months.made a list of all mods,and took photos of all mods.sent to agent.he signed,made copies and returned.there are alot of cos.out there who wont cover mods,or aftermarket equipment.mine is now covered,before it wasnt. ------------------ |
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