It happened today..Bent frame ? **UPDATE**

I did, and they said under Texas law they had the right, it all washed out in the LS and I got rid of the car (would have no matter what parts as it should have been totaled)

 

you have the right to have a factory car like you paid for, and not a scrap or carid car... id sue their ass

 

Most insurance policy's state they can repair with aftermarket or used parts. Standard practice in the insurance industry is to use these types of parts. Don't know that you can fight for OEM unless you have a specific writer in your policy that states OEM only (which only costs a few bucks extra a renewal period). I know I do on both my vehicles and sleep well at night knowing that if I have an incident with either vehicle I will get factory parts, even if not at fault...I will let my insurance handle it and fight with the other party and be out my deductible for a bit until eventually reimbursed to me. I've even had to sign a release and send it back to my insurance when I was in a hurry to get inspections done on my wife's car and Techniglass put a non-OEM windshield in at my direction after it failed safety inspection for a crack in the line of sight.

Definitely worth the money and added piece of mind. Should be a short phone call to your agent to add this writer for the future. (I highly encourage anyone reading this that doesn't have this coverage, to add it).

 

Yeahh, but if their insurance is paying, if you want oem, you should get oem. It's not your fault they destroyed your factory truck...

 

**update**
Well, I had the phonecall from the repair shop(Toyota)...6,450$ in repairs with OEM parts. Should get my truck back by friday this week or early next week. I had the specific writer that states that my truck has to be repaired with new OEM parts ONLY. Glad I paid the little extra $. I also insisted they replace "every" even slightly damaged part with new one...no fix or repaired part. Told them I wanted my truck back like it was before the accident. My insurance company agreed to my request. Anxious to see how it will look like when I get it back. Also talked to the Senior sales manager and enquired as to how much the value of my truck would be affected if I was to trade it for a 2016' model. He's seen my truck before and re-assured me that the diminished value wouldn't be more than 1,500 to 2,000$ at the most since their shop repaired it with OEM parts.

 

He's lying. Tell him you want full trade in value. They did the work, don't they trust their own work?

You know that trade in value is less than private sale value. The dealer has lots of ways to make money off your trade.

I'm in full agreement that the dealer should be allowed to make money off your trade, but they don't need to bend you over, either.

 

Hit the insurance company for diminished value if that is allowed in your state.

 

Glad to hear it! The writer is definitely worth the little extra you pay for it!!!

 

I'm not sure why you believe that wheel damage is a prerequisite for suspension damage...? Looks like the force of impact was front to back, so it hit the TIRE, which twisted the whole thing back. Most of the time, the wheel is fine, but more serious problems happen inward of it.

 

SELL IT

 

That is not as likely to be true as you are implying. What a solid steel front bumper would have done, is distributed the load to the other rail, and removed the suspension from the collision altogether. The impact to the suspension is probably what caused the frame damage to begin with, since it causes a TWISTING force rather than a force straight back along the rails.

 

We have worse problems with insurance in Ontario than that... like the bloody liberals creating more obstacles to getting reasonable insurance rates under the guise of forcing rates down. News for them: no government legislation will ever lower insurance rates. All it will do is knock people out of the general market and into the "high risk" market, which is handled by "high risk" insurance companies that aren't subject to the legislation.

Almost ALL insurance companies providing auto insurance in Ontario will now DROP ANYONE who is deemed **by any insurance company** to have been involved in TWO or more accidents that are at least partially at fault.

Now the deemed by insurance company works like this... there are TWO records being assessed in determining if you qualify for insurance; your DRIVER'S record, and your INSURANCE record. There is ZERO relation between the two *except* that a hit to your driver's record will be copied over to your insurance record. With the driver's record, you can fight it in court, and it is subject to the same rule of law as every other kind of offense, i.e., guilty beyond a reasonable doubt. The crown has to prove beyond a reasonable doubt (using evidence from the cop who gave you the ticket) that you were, indeed, at fault. You are then convicted. OR, they fail to make the case and you are free. This is very useful and necessary for dealing with things like fraud. If someone *blames* you for something that didn't happen, then you go and argue it out in front of a judge and get cleared of it.

Now the *insurance* record is something entirely different, and totally unjust. Because the insurance companies are deemed to be independent businesses (which I completely disagree with, since insurance coverage is mandated), they aren't subject to the same judicial oversight as your driver's record. If someone files a claim with their insurance company and says YOU DID IT, then there is not a damned thing you can do to clear your record. On top of that, it is a record that is shared among all of the insurance companies, which means that you can't even escape it by changing insurance companies.

And even worse, if you are accused of something (as I was, 6 years ago, and just fell off a few days ago), and the fraudster takes the route of filing a police report (which some insurance companies require), then the POLICE may provide your details to the fraudster's insurance company *WITHOUT CONVICTION*. So there I was one day, in the swimming pool with the wife, cops showed up and handed over some tickets; dangerous driving / collision, and failing to remain at the scene. This was for an event that *never happened*. Went to court, and easily beat it. Well guess what? The insurance completely disregarded the court. I tried to fight it for a while, but got nowhere. Every *lawyer* I spoke to about it said it was hopeless, because the insurance companies get to make up anything they want and put it in there.

If liberals want to fix insurance, I can provide some suggestions;
1) either judicial oversight for the insurance record, or eliminate it altogether by forcing insurance companies to use the driver's record exclusively.
2) for those people who are in a financial situation where they can afford to cover the minimum amount of liability insurance required to legally operate a vehicle, they should be exempt from the requirement of carrying insurance. This minimum is $200,000. In other words, if you are able to come up with $200k, then there is no legitimate reason for you to carry insurance at all. And I'm not saying "go ahead and let everybody make their own decision", I'm saying that providing some reasonable proof that you can come up with the money should be adequate.

One more thing about insurance in Ontario... "no fault" should be interpreted as "always fault". The problem is that they have it set up so that if you file a claim with YOUR insurance company, it is YOUR insurance company that pays out. Not the insurance company of whoever hit you. The problem that this causes, is that it takes away the interaction between the two insurance companies. In other words, without "no fault", if you file a claim with your insurance company when someone hits you, your insurance company would have to CONVINCE THEM to pay out. Instead, YOUR company just goes ahead and pays out, and the other guy's insurance company doesn't even hear about it until renewal time. This is incredibly unfair and leads to increased fraud and unchecked insurance records.

 

I think that that is actually related to who is at fault. If it goes on the other guy's liability, you get to demand OEM parts. If it goes on your comprehensive (i.e., you are at fault), then it is aftermarket/used/oem as determined by the details of the policy.

 

In an off center crash the steel plate bumper would not have distributed load to the other rail. It would have pivoted about that rail (twisting it) and continued to fold back. Its basically a horizontal cantilevered beam.

 

But it also keeps it locked side-to-side, which means that even off center, it will at least direct the energy straight back rather than twisting.