, Whats up guys, this is going to be a pretty long post but please bear with me because any advice right now is going to be super helpful

Heres some back story to start off....Back in July of this summer I purchased a 99 SSBP Integra GSR from HT member Tweakmiester. He lived right near and I had worked all summer and was looking for a car. After a look and a test drive it was too much of a good deal to pass up. Needless to say I fell in love with the car and daily drove it. For what it was, the Teg was in immaculate condition, and drove like a dream with no issues and I took it down to NC for school with me in August.





On October 29 I had just started my trip home back to MD for a weekend when the worst thing that could possibly happen happened. I was just cruising along at about 75mph (the speed limit was 70mph on I-40), when all of the sudden the car jerked off the road to the right, hit a ditch and from there I do not remember anything. Witness testimony if that they car got airborne, hit a ditch, the proceeded to flip 5-7 times before coming to a rest. The initial thought was that a tire blew out but upon further inspection it was found that my right front rim actually cracked, causing the entire front end of the car to give out resulting in the wreck. Thank God i escpaed only with cuts, bruise, and a broken shoulder blade, once you see the pictures you will be suprised that was it.

Below are pics from the junkyard where it is currently sitting. The second pic down shows the crack in the rim.


























Now for the issue. I need advice on how to deal with the insurance company without getting screwed out of my money. The car had a ton of aftermarket parts on it to the point that it was a track car. Excuse my generality I am still fairly new to the scene. Off the top of my head here are just some of the things i can think of.

-Stock B16C motor
-Sparco Racing Seats
-Comptech Cold Air Intake
-Full Exhaust
-Racing Header
-ITR Transmission Swap
-Beaks control arms
-GC custom coilovers
-Konig Springs/Struts
-6000K HIDS
-Greddy Oil Temp/Pressure Gauges
-Viper Alarm System
-Tower Bar(s)? Suspension mods in the hatch for cross reinforcement
-16 x 6.5 Rotas
-Little spoon dress up parts
-Laser Jammer
-Ipod adaptor
-Rear seat delete for weight saving

And then like i said most likely alot more....
So now my issue is i dont know what to tell the insurance company because i dont have documentation of any of these parts. I know that people have had similar experiences so please help me out.

KBB Value for the car is just shy of $6K, and if i took that, without saying how much i did pay for the car, lets just say I would be losing money that i worked my *** off for.

Any advice will help guys...Thank you!

 

no documentation, no proof. pretty sure that's how they're going to look at it.

good luck though. dont try to **** the insurance company.

 

Damn. Thats what rotas will do. Are you able to get any parts off the car or has it been crushed already? It looks like there is some saveable stuff. Bottom line is if you don't have recipts the insurance company doesn't care what you say. As far as they are concerned those parts were never on the car. Your best bet is probably to get what you can off of it if you are able to. I mean as long as you weren't bleeding all over everything you could probably get most of the interior out and sell it. As far as suspension goes, most of it is probably bent. Good luck with it. Your lucky to be alive judging by the pictures. I like how the air bags aren't even deployed. Makes sense to me. If you are able to get stuff off of it to sell I know a couple people that could use a few things. Save the Spoons!!!!!!

 

Insurance companies, nowadays, have special "extra" insurance for aftermarket parts. You pay a little extra on top of your normal premium, but you can rest assured that of your parts are covered.

If you do not have said coverage, then the insurance will cover the OEM value of the car and not a cent more.

What you should do in this situation is remove anything you can from the wrecked chassis before the insurance agent has a chance to appraise it. These are your parts and if you delay, the car will be disposed of along with your parts. Granted, some parts may be trashed, but certainly not all. Take off what you can. Now.

 

Yeah i really dont want to have to contact the guy i bought it from and tell him, but if there is a possibility that he may have documnetation it may be worth it. And not its with the insurance company right now. Im definitly taking the seats and the guy at the junkyard is interested in the motor but if that it then im losing thousands of dollars.

 

@Carma well f*** me too late for that now they already have it.

 

Let me emphasise this point. PULL EVEY FU**ING PART YOU CAN OFF THAT CAR!!! You will not be covered for aftermarket parts if you dont have recipts. Pull the full interior if you can. Take random parts from the engine bay. Take the right side tail light. take the headlights if they are ok. Take the emblems, gauge clutser ect ect ect. Just get what you can. Where's the car located?

 

Receipts or not, insurance will probably not cover it. When they agreed to insure your vehicle, it was with the understanding that it bone stock and OEM. That is what they agreed to cover and that is what they WILL cover.

Think of it like this: Say you have a 89' Civic and you get full coverage. Insurance says "Oh ok, it's just a 21 year old Honda - we'll insure it for $25 a month".

Then it gets stolen/wrecked.

You tell insurance - "My car's value is worth $30,000 - I had custom this, custom that, k20 motor, Mugen this, Spoon that, etc, etc".

Insurance company is going to say that you witheld information. They assumed it was just another 20+ year old Honda and insured it as such. It doesnt matter how many receipts you have, they insured your car based on the OEM value - not on the tons of aftermarket parts you have.

If the insurance company already has your car in their possesion - call up your insurance agent first thing in the morning. Do not call the insurance company directly, call your agent (he represents you and is supposed to work for you). Inform him that have several parts on the car that are aftermarket. Ask him that you would like to remove those parts, beg if you have to. Hopefully he can delay the process long enough for you to go down to the yard and remove what you can. All you'll need is a few hours.

Good luck.

 

^^^Great Information.

 

I emphasize again - if anyone out there has a car with tons of parts, you must inform your insurance agent and have them appraise it. It is at that point where you can present the receipts. They'll review the receipts and your parts and will create an "extra coverage" program for you.

Yes, you will have to pay a higher premium than a guy with a bone stock car. But your car is worth more than bone stock car, right?

Then do the right thing and get it covered.

 

Most likely what will happen is the insurance company will give me KBB value and then ill by the totaled car back from them for a couple hundred dollars, then part it out. They cant crush it or do **** to it yet because i still own it. I already have someone interested in the motor and scrap metal. You talk like they are going to send it through the crusher if i dont call them tomorrow morning. They cannot do anything to it until they talk to me so im not worried about that.

 

You dont know what will "most likely" happen, because the ball is not in your court. You still own it, but if they cut you check - you no longer own it, do you?

They are not obligated to sell you the car. They might have their own interests or even their own buyers. In some cases, it might be against their policy to sell the car back to the owners. It's happend to me with State Farm.

Do yourself a favor and talk to your insurance agent and see what your options are. You sound quite lackadaisical for someone who "would be losing money that i worked my *** off for."

Either way, good luck.

 

well... i don't think i want rotas anymore...

anyway, try your hardest to get the parts that are salvageable, heck, your front end's not too bad, the engine and or tranny might be okay. take your insurance money, build something new, hopefully using the parts from this.

 

i'm sorry for your loss just be glad you were not hurt

 

Let me know if any of the aftermarket parts were slavageable.

 

all his tires look bald as hell.. i think you can see the cables on some of them.

how do you tell if a rim was cracked before or after an impact

 

This. I highly doubt the Rota wheel was wholly, or even partially to blame.

 

You are lucky to be alive..

Am i seen things, why does your rim have duck tape where it cracked??

 

holy crap, i just notice that too

 

WTF dude did u fukin duck tape ur rim together?

 

buy it back! ive done it twice and my bro did it on his si. it cost me $150 both time for the car and it cost my bro about $200 for his si that was wrapped around a tree. we just stripped it last weekend and got every last usable nut, bold, wire. everything except for the interior cause it has been sitting for 2 years being rained on and some local cat living inside of it. sux for you loss but it gives you the chance to swap something else. that why rotas suck ***.

edit: oh and i just noticed that duct tape on the wheels. i wouldnt bee suprised if the apraiser saw that and said no we wont pay you anything cause you ductaped a cracked wheel. it prolly when low on air and then blew out. happened in my crv on a long trip but it was from a skrew in my tire. not neglect! you knew it was bad and drove it anyway. even if its a $10k wheel i would not drive on that and put my life in danger. if your new to the game you should learn about saftey before you go throwing 6k worth of parts on and riding on a cracked $100 wheel!

 

I would talk to a lawyer and see if you have a suit against the manufacturer of the damn wheel that cracked and caused the accident...sounds like a defect to me abd there are product liability lawyers.

 

People stop saying the wheels are at fault, or this thread's getting locked up. Nobody here knows that for sure. As others have pointed out, the tires looked to be in extremely poor shape, and some kind of road impact could have caused a blowout, which caused the wreck, which caused the wheels to crack/break.

Oh and whoever edited this thread title, you forgot an "L" *fixed*

 

The whole rim is duck tapped all the way around and coverd in grease ****.Either you did that and drove on it like a retard and in that case i do not feel bad at all.OR the guy you bought it from did it and didnt tell you if so id have a nice talking to with him.I have had rotas for year's and never ever have i had a problem with them.

 

lol this mod means business, rota is not at fault. the fact that the op is not replying to the duct tape statements is leading me to believe that he just duct taped his wheel when he saw it was cracked and just drove on it like a dummy. if that is the case hope you learn your lesson. but i could be wrong....


and those tires are complete ****