Hit-n-run, is my aftermarket bumper covered? Advice!

哇靠M3 · 09-16-2013, 01:01 AM

Went to a friend's house today. Parked the car outside and we were chilling in the house trying to enjoy the 49ers game. During halftime, we went out for food, and the neighbors called me over. They said they witness a hit and run and my car was damaged. Told me to check my car.

To my surprise, I was shocked to see damage. I don't understand how someone could have backed into my car. In front of my car is a driveway and the car was parked in the parking space in front of the driveway. Apparently there were painters working on another house on the same block. They witness the situation but did not get license plate. They confronted the driver but the driver ignored and drove off.

At this point, it's a hit and run. I went to the police office to make a report.
Since we didn't have description or license plate, it's basically useless at this point. Only thing we know is that these girls were on the same block and lived there. I was there for the entire night, didn't see the girls come back.

Problem? Well, I'm on a aftermarket carbon fiber bumper from arkym. Will AAA (full coverage) insurance cover this?

Cracked bumper and paint damage...

Bad day for me!

哇靠M3 · 09-16-2013, 01:34 AM

at this point in time, i don't know who it is. I do know that these people came out of a specific house address. either rents that house/live in it/or are friends of that residence.

M3ZCP6MT · 09-16-2013, 01:44 AM

Quote:

Originally Posted by 哇靠M3

at this point in time, i don't know who it is. I do know that these people came out of a specific house address. either rents that house/live in it/or are friends of that residence.

Your full coverage will cover the damage minus your deductible of course. Say you find the owner of the vehicle who hit you (not the driver if she is not the owner) and he/she has no insurance then you are covered by the uninsured motorist clause if you have that coverage on your policy. 哇靠!

哇靠M3 · 09-16-2013, 01:57 AM

Quote:

Originally Posted by M3ZCP6MT

Your full coverage will cover the damage minus your deductible of course. Say you find the owner of the vehicle who hit you (not the driver if she is not the owner) and he/she has no insurance then you are covered by the uninsured motorist clause if you have that coverage on your policy. 哇靠!

幹!

So basically I have to pay deductible.
Guess they don't cover my aftermarket bumper then...

M3ZCP6MT · 09-16-2013, 02:09 AM

Quote:

Originally Posted by 哇靠M3

幹!

So basically I have to pay deductible.
Guess they don't cover my aftermarket bumper then...

Talk to the body shop and see if they will charge the OEM bumper to the insurance co and you pay the difference on the modded bumper. Say the OEM bumper is $1000 and your modded bumper is $1500, if they are willing to do it, then you just pay them the extra $500. 真煩

Good luck.

哇靠M3 · 09-16-2013, 02:18 AM

Quote:

Originally Posted by M3ZCP6MT

Talk to the body shop and see if they will charge the OEM bumper to the insurance co and you pay the difference on the modded bumper. Say the OEM bumper is $1000 and your modded bumper is $1500, if they are willing to do it, then you just pay them the extra $500. 真煩

Good luck.

Then add the deductible... sigh

M3ZCP6MT · 09-16-2013, 02:24 AM

Quote:

Originally Posted by 哇靠M3

Then add the deductible... sigh

Yep. Then again, if the body shop is cool they may discount your deductible. You can negotiate that too. Call/Yelp around for a good body shop.

哇靠M3 · 09-16-2013, 11:11 AM

Quote:

Originally Posted by M3ZCP6MT

Yep. Then again, if the body shop is cool they may discount your deductible. You can negotiate that too. Call/Yelp around for a good body shop.

thanks..

Elaz · 09-16-2013, 11:39 AM

Go to the house that these guys where working in.talk to the owner maybe you can get info on the people who hit your car. Then You can track them down and see if they pay for damages.

哇靠M3 · 09-16-2013, 08:45 PM

Quote:

Originally Posted by Elaz

Go to the house that these guys where working in.talk to the owner maybe you can get info on the people who hit your car. Then You can track them down and see if they pay for damages.

Was not able to get in touch with anyone from that house.

pkimM3r · 09-16-2013, 09:41 PM

If you have receipts for the bumper insurance may cover it.

pkimM3r · 09-16-2013, 09:44 PM

Quote:

Originally Posted by 哇靠M3

Quote:

Originally Posted by Elaz

Go to the house that these guys where working in.talk to the owner maybe you can get info on the people who hit your car. Then You can track them down and see if they pay for damages.

Was not able to get in touch with anyone from that house.

Try again. Its not the last time theyll be there.

SilentAttack · 09-16-2013, 10:12 PM

That's shitty man.

slicer · 09-16-2013, 10:17 PM

Insurance should cover the aftermarket bumper.

Endless619 · 09-16-2013, 10:20 PM

Quote:

Originally Posted by 哇靠M3

Went to a friend's house today. Parked the car outside and we were chilling in the house trying to enjoy the 49ers game. During halftime, we went out for food, and the neighbors called me over. They said they witness a hit and run and my car was damaged. Told me to check my car.

To my surprise, I was shocked to see damage. I don't understand how someone could have backed into my car. In front of my car is a driveway and the car was parked in the parking space in front of the driveway. Apparently there were painters working on another house on the same block. They witness the situation but did not get license plate. They confronted the driver but the driver ignored and drove off.

At this point, it's a hit and run. I went to the police office to make a report.
Since we didn't have description or license plate, it's basically useless at this point. Only thing we know is that these girls were on the same block and lived there. I was there for the entire night, didn't see the girls come back.

Problem? Well, I'm on a aftermarket carbon fiber bumper from arkym. Will AAA (full coverage) insurance cover this?

Pics here:
https://www.dropbox.com/s/xkgs6imo7hgxv6b/IMAG7406.jpg
https://www.dropbox.com/s/9m20474y373bamb/IMAG7404.jpg

Cracked bumper and paint damage...

Bad day for me!

Most insurance companies will not cover aftermarket front bumpers UNLESS you pay extra. Having "full coverage" does not cover aftermarket parts such as this. Geico did not cover my Mugen SS CF front on my S2000 or Sorcery front on my NSX unless I paid extra which they base off the value, new. Same goes for wheels stolen.

They will pay for a new OEM/painted one and sometimes its not even OEM.

BTW that bumper has very minor damage. You will not need a new front bumper. A skilled CF repair guy can easily fix this.

Thats like $150-$200 to fix and another $200 to paint if it was my shop.

09-16-2013, 01:01 AM	#1
哇靠M3 Captain 85 Rep 781 Posts Drives: e92 M3 Join Date: Aug 2010 Location: 加州到台北 iTrader: (5) Garage List 2009 E92 M3 [9.00]	Hit-n-run, is my aftermarket bumper covered? Advice! Went to a friend's house today. Parked the car outside and we were chilling in the house trying to enjoy the 49ers game. During halftime, we went out for food, and the neighbors called me over. They said they witness a hit and run and my car was damaged. Told me to check my car. To my surprise, I was shocked to see damage. I don't understand how someone could have backed into my car. In front of my car is a driveway and the car was parked in the parking space in front of the driveway. Apparently there were painters working on another house on the same block. They witness the situation but did not get license plate. They confronted the driver but the driver ignored and drove off. At this point, it's a hit and run. I went to the police office to make a report. Since we didn't have description or license plate, it's basically useless at this point. Only thing we know is that these girls were on the same block and lived there. I was there for the entire night, didn't see the girls come back. Problem? Well, I'm on a aftermarket carbon fiber bumper from arkym. Will AAA (full coverage) insurance cover this? Cracked bumper and paint damage... Bad day for me! Last edited by 哇靠M3; 11-01-2013 at 11:06 AM..
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09-16-2013, 01:34 AM	#2
哇靠M3 Captain 85 Rep 781 Posts Drives: e92 M3 Join Date: Aug 2010 Location: 加州到台北 iTrader: (5) Garage List 2009 E92 M3 [9.00]	at this point in time, i don't know who it is. I do know that these people came out of a specific house address. either rents that house/live in it/or are friends of that residence.
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09-16-2013, 11:39 AM	#9
Elaz Lieutenant 51 Rep 591 Posts Drives: e92m Join Date: Mar 2010 Location: bx ny iTrader: (1)	Go to the house that these guys where working in.talk to the owner maybe you can get info on the people who hit your car. Then You can track them down and see if they pay for damages.
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09-16-2013, 09:41 PM	#11
pkimM3r Banned 205 Rep 7,298 Posts Drives: m3 saloon in granny mode. Join Date: Dec 2009 Location: lost angeles iTrader: (0)	If you have receipts for the bumper insurance may cover it.
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09-16-2013, 10:12 PM	#13
SilentAttack Lieutenant Colonel 163 Rep 1,790 Posts Drives: 08 E90 Jerez Black 6MT Join Date: Nov 2011 Location: Nashville, TN iTrader: (0)	That's shitty man. __________________ Stupid Photobucket
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09-16-2013, 10:17 PM	#14
slicer Major General 2738 Rep 6,734 Posts Drives: 'E46 M3 Race Car, '23 X7 Join Date: Jan 2009 Location: Wisconsin - Instagram - @slicer_m iTrader: (39)	Insurance should cover the aftermarket bumper. __________________ '23 X7 '04 M3 - Fall Line Motorsports Built Race Car - S65 swap, Dry Sump, Bosch Stand-Alone ECU, Drenth Sequential Trans, MCS 3-Way, Flossmann Wide Body, Brembo Motorsports Brakes, Drexler LSD, BBS E88 Etc. INSTAGRAM - @Slicer_M
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