gevo1
Well-Known Member
- First Name
- George
- Joined
- Dec 27, 2020
- Threads
- 15
- Messages
- 98
- Reaction score
- 30
- Location
- Los Angeles, CA
- Vehicle(s)
- 2019 Jeep JLUR
Hope everyone is well. On to some news:
Total:
Most insurances will consider a vehicle a total loss if/when the estimated cost of repairs is more than ~75% of the vehicle's value and/or there are any critical/safety components damaged. (I didn't see if airbags were deployed, this will play part).
A good example are A, B, C pillars, since they cannot be easily repaired with the high strength steal areas and can present lawsuits later with a rollover incident.
A more specific example: Corvette C7's have an aluminum chassis which have designated crumple zones and rigid zones. When/if these areas are damaged, GM manual calls for specific extremely specific ways of repairing them and/or having the entire frame section replaced. Since the cost of labor is extensive and the potential for malfunctions post repairs can not only present additional repair costs (like some mentioned post repairs) but also health/safety hazards, the insurance will be very quick to consider the vehicle a total loss.
In this case, I have not looked into repair manuals for the JL and so cannot be sure of the areas involved in the damage. With that said, it will likely be a total loss as a major component: frame and significant body panels have been damaged, including the floor pan and many minor components will require replacement.
They would not want to provide repair coverage and later be served another bill for subsequent supplemental bills for water leaks, poor body panel fitments, rust, etc. Not to mention, a good repair estimate will likely be over 25K.
IMPORTANT:
Keep in mind, if you were not at fault and the other person's insurance is covering the claim, you need to demand coverage of any aftermarket components whether damaged in the incident or if the vehicle was totaled. Regardless if you have applied coverage in your own policy or not. This will/should be covered since its NOT your policy covering said items. They will more than likely require receipts so be prepared to provide them, be sure to include labor costs. HOWEVER, wait for the vehicle to be declared a total loss BEFORE you bring said aftermarket costs into the reimbursement. Otherwise, if done initially, they may use this information to drive up the cost of the vehicle and in turn, NOT declare the vehicle a total loss. To give you a perspective, I've seen folks receive payment for recent service completed on a totaled vehicle since the incident was not their fault and they were in the process of rebuilding the car.
Additionally, as previously mentioned, if not totaled, get a inspection/clearance from the dealer and pursue diminished value coverage.
Sorry for the long rant.
Total:
Most insurances will consider a vehicle a total loss if/when the estimated cost of repairs is more than ~75% of the vehicle's value and/or there are any critical/safety components damaged. (I didn't see if airbags were deployed, this will play part).
A good example are A, B, C pillars, since they cannot be easily repaired with the high strength steal areas and can present lawsuits later with a rollover incident.
A more specific example: Corvette C7's have an aluminum chassis which have designated crumple zones and rigid zones. When/if these areas are damaged, GM manual calls for specific extremely specific ways of repairing them and/or having the entire frame section replaced. Since the cost of labor is extensive and the potential for malfunctions post repairs can not only present additional repair costs (like some mentioned post repairs) but also health/safety hazards, the insurance will be very quick to consider the vehicle a total loss.
In this case, I have not looked into repair manuals for the JL and so cannot be sure of the areas involved in the damage. With that said, it will likely be a total loss as a major component: frame and significant body panels have been damaged, including the floor pan and many minor components will require replacement.
They would not want to provide repair coverage and later be served another bill for subsequent supplemental bills for water leaks, poor body panel fitments, rust, etc. Not to mention, a good repair estimate will likely be over 25K.
IMPORTANT:
Keep in mind, if you were not at fault and the other person's insurance is covering the claim, you need to demand coverage of any aftermarket components whether damaged in the incident or if the vehicle was totaled. Regardless if you have applied coverage in your own policy or not. This will/should be covered since its NOT your policy covering said items. They will more than likely require receipts so be prepared to provide them, be sure to include labor costs. HOWEVER, wait for the vehicle to be declared a total loss BEFORE you bring said aftermarket costs into the reimbursement. Otherwise, if done initially, they may use this information to drive up the cost of the vehicle and in turn, NOT declare the vehicle a total loss. To give you a perspective, I've seen folks receive payment for recent service completed on a totaled vehicle since the incident was not their fault and they were in the process of rebuilding the car.
Additionally, as previously mentioned, if not totaled, get a inspection/clearance from the dealer and pursue diminished value coverage.
Sorry for the long rant.
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