Got rear-ended and insurance is paying for a stock OEM muffler and resonator and pips and tip (like 560$) and my thaught is why not replace it with an Apex'i WS you know perfect opportunity but my dad (me being 17) doesnt want the "aftermarket exhaust on there" "the insurance company wants it back to stock" do they or will they care about an aftermarket muffler the is cheaper than the OEM ( other insurance is paying anyway so price doesnt matter to my insurance company at all) . ???

what you guys think ??
dont tell the insurance company either

 

Join the club...I got rear-ended about a week ago and had the same damage! About the same price quoted too, so I feel better about that at least. Bumper was barely scratched...crunched his accord quite a bit.

I'm looking into other "options" as well since the shop is going to fabricate the cat-back sytem that got crunched.

 

had to go out and get 3 quotes and they just cut a check for the cheapest of the 3. Didnt even have to spend the money on the car.

 

If they cut you a check, spend it however you want. Just don't get grounded for putting an exhaust on

 

Ok, if you have to get 3 different quotes, can you take it to 3 different dealers in the area and get one from each, or do you have to have some other option? I would just think that this would give you the best oppertunity to get the best replacements for everything, although you can't go aftermarket with them.

 

Tell your dad that this exhaust will make the car have better gas mileage, esp. on the highway and it's cheaper that the OEM one. Also that this one is guaranteed FOREVER, so you'll never have to worry about getting it replaced again. Then show him all the people that say it's the most civilized aftermarket exhaust out there. Your insurance won't care at all, when i got rear-ended in my beretta i kept the money and they didn't care. the bumber wasn't that bad.

 

The insurance company should cut you a check... but it sounds like your dad is the one spending it...

 

I showed him all the stuff and pictures but i cant seem to talk him into it...he doenst want like down the rode if they come and look at it they may see it and get mad ( thats what he thinks) it really isnt a loud exhaust...i told him that and it looks good too he wants all stock if they cut a check then ill talk to the body shop ...

 

Who's is it? Your's or his? Who pays the bills??

 

Call the insurance company and ask them while he is standing there. It's like if you get something smashed, they don't care where you get the part, if it's a different design as long as it's comparable and fixed, call them up, don't submitt to dumb uneducated parents. i know, mine are.

 

whenever I bring it up he flipps out and doesnt want to talk about it...He knows its not loud and looks nice

 

Well, my insurance company (AAA) doesn't go around cutting checks...basically I take the car into a shop, the adjuster goes to look at it, and they authorize the shop to repair the vehicle (meanwhile AAA gets me a rental, and I get a call when the car is repaired). But the official policy of AAA is that if the aftermarket part costs LESS than the OEM part, they will authorize it if it is an "equivalent replacement" part. If the cost of the aftermarket part is over, AAA will pay whatever the OEM version costs, and the customer picks up the rest of the tab.

When I got into an accident, they got me a new Borbet rim because the Borbet actually cost less than the OEM rim.

 

If your company has a claims policy that allows the adjuster to "cut a check" for amounts under a certain limit, then you control how the funds are spent. If not, you can still do it. Just get in real good with the body shop guy. Have him order that APEXI exhaust instead of the stock one and install it. When ALL the rpairs are done he will submit a bill to the insurance company based off of his estimate. The insurance company will approve it and you will be done. The Insurance company is not going to come out and inspect the repairs unless you don't like what was done and they have to pay more to fix the problems the shop created. I would just have the shop order it for you and not even tell dad. Hell....mine was like that too when I was 17. He never knew I had an exhaust on my Z24 for almost a year. One day he walked in and asked when I did it and I told him about 11 months ago!!

Good luck-
SHUMAX

 

He may be giving in a little bit > He's gonna ask the guy at the shop...hes friends wit him so he'll order it





Thanks guys

 

NO NO NO

see you guys have no idea....I got rear-ended last monday, the 28th, and then I got rear-ended again yesterday, the 30th.... I'm not having a good week.

The insurance companies shouldn't care that you want to put an aftermarket exhaust in. Just try not to let them **** you out of money....thats what they are trying to do to me....

Good Luck

 

How is insurance covering you? Are the two people that hit you splitting the bill or what?

 

Im graduating on the 14th and i think my parents are planning something like the new exhaust as a trick...cause whenever i bring it up they flip out :P

 

You're missing the point of why your insurance company wants it back to stock (and so does your Dad) The simple reason is that certain modifications to the car (designed to make the car faster and more powerful and thus a higher risk from the perspective of the insurance company), are prohibited by the insurance company unless you obtain its written consent. You, being a recently licensed male, with a modified car, do not present the kind of "risk" insurance companies like to insure. (They like to collect premiums from people who AREN'T LIKELY to get into an accident because they drive sedate Camry's) If they approve an after market exhaust, they are essentially telling the world, "Yep, we insured this kid knowing he likes to drive fast and yep, we even authorized him to install this exhaust, and yep, we're responsible for paying any claims made against him."

On the other hand, most insurance contracts prohibit modifications to the vehicle and the use of "racing" equipment. So you're driving a car with intake, exhaust, and chip all designed to add horesepower. Wham! You accidentally hit somebody as you're hauling along. When the insurance inspector sees all the "racing equipment" on your car, the first thing he'll do is notify the Legal Department at the insurance company, which will happily declare you breached your insurance agreement by modifying the car. So, we don't have to pay any claims. Now your parents find themselves being sued for your accident. And guess what? No insurance.

Bottom line - the insurance company doesn't want to do anything that increases your likelihood of getting into an accident since it will have to pay claims. You Dad (being a whole lot more experienced at life) doesn't want you to jeopardize the insurance he's got protecting his finances from your actions. So don't put him at risk.

Just cause its legal to buy aftermarket parts and install them on your car, doesn't mean your insurance company can't claim you breached a condition of your insurance coverage by installing them on your daily driver (i.e. that you NOT MODIFY your car.)

I wonder what modifications are permissable? On one hand, it would seem that tires, lights, rims, struts, brakes make the car safer, but who knows for sure what an insurance company would authorize or to what modifications it would find onbjectionable. But computer chip, NOS, exhaust, headers, I don't think are acceptable on your daily driver. Assuming you call the insurance company and ask them to pay for an aftermarket exhaust, don't be suprised if they tell you "no." And if they tell you no, you'd be a fool to ignore them considering the potential liability to you and your parents. Similarly, installing an exhaust without their knowledge or consent puts you at risk of not having insurance coverage when you need it.

Insurance companies are known for not paying claims. Why give them "any" reason or loophole to escape its contractual obligation.

Don't mean to rain on your parade, but be smart! Stay with stock. It's quieter too.