Hypothetical question about aftermarket accessories and insurance.

wi_taco · Jan 4, 2024

I've had an old comment bookmarked for a long time regarding this exact topic. Has always been in the back of my mind but I haven't discussed with my insurance agent yet because I'm guessing it will be prohibitively expensive (maybe not though). Hope it helps.

https://www.tacomaworld.com/threads/oh-deer-lol-2015-36k-miles.708633/#post-25177047

03maurderman said: ↑

Just a tip from a retired Insurance claims supervisor...Read your policy before an accident. Read the replacement part clause...Most policies state LKQ as replacement parts (Like, kind, & quality). Unless the policy states specifically aftermarket/economy/catch phrases like that, you do not have to accept them...LKQ is the only rule they can stand on...Have the shop order the parts, & then go to the shop to see if acceptable to you...A headlamp from a 2010 is not LKQ for a 2014. The salvage yard has to provide the vin from the vehicle the parts came from. Redo's from A/M to OEM should be a last resort. Replacing a nose, will result in blending the doors. Partial paint & full clear,.... times 2?? no way...Its bad enough you had a damaged vehicle that will never be the same, & to tear it apart again to redo the job only adds insult to injury....The policy holder has to be pro active with the insurance company, not the shop. The policy is a contract between the Insured & the company, not the shop...The company can tell the shop to 'pound salt' but not the Insured...Unless your vehicle was damaged before, & had A/M parts, demanding OEM might be a stretch....but if you have a vehicle with all OEM parts that's what your entitled to...by their LKQ clause....The LKQ parts have to be same year or newer...The exception to all of this are radiators & A/C condensers...Another important fact...."Customization" endorsement... If your vehicle is modified and have a ton of $$$ invested, Insurance will only cover a stock truck...unless you have a customization endorsement....A basic cap on the bed would not be covered without this endorsement.....Hope I saved the bloodbath of Insurance claims.....
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spin180 · Jan 4, 2024

eCOOL1 said: ↑

Your insurance probably won't cover them, but send me a DM... I'll see what I can do for you as far as a discount on some new ones.
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Wow, totally awesome offer and certainly appreciate it! But...

Got some for the replacement Taco a few months ago; one of first "mods" I made.

eCOOL1 · Jan 22, 2024

spin180 said: ↑

Wow, totally awesome offer and certainly appreciate it! But...

Got some for the replacement Taco a few months ago; one of first "mods" I made.

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Looks good man! Love the TPO on the Army Green

JPTacoTan · Jan 24, 2024

RichochetRabbit said: ↑

Has anyone experienced an accident where it was total for reasons that did not destroy most of the modifcations, and they were allowed to reclaim them (roof rack, bed rack, skid plates, wheels)?

If "totaled" means you can keep the specialized after-market bits, would be nice.

Or does the insurance company just take possession of everything?
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I have heard of that happening with bed accessories. Front end accident and they were able to take off the bed parts to keep or sell. In fact, I also heard of someone putting the stock wheels back on too.

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Hypothetical question about aftermarket accessories and insurance.

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wi_taco My skid plates give rocks taco flavored kisses

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Hypothetical question about aftermarket accessories and insurance.

#21 wi_taco My skid plates give rocks taco flavored kisses

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wi_taco My skid plates give rocks taco flavored kisses

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