very good, make insurance fraud public.

 

thats not fraud... you got an estimate.. they cut you a check... if you want to blow that check on hookers .. go ahead.. might as well do some upgrades .. since stock OEM parts are god awful expensive.

Anyone know how hard it is to repair the front left fender?

Where is a place to buy this stuff from? I know where to get ecodes.. but what about the fender?

 

that is insurance fraud. you give them an estimate from a shop, the insurance company assumes you will fix it there and cuts you the check. if you fix it yourself the insurance company will issue you a completely different check, for the proper amount. making a claim for, say 10,000 and then fixing your car for cash for 5,000 is called insurance fraud.

 

fiy...

What is Fraud?

Soft Fraud. Normally honest people often tell "little white lies" to their insurance company. Many people think it’s just harmless fudging. But soft fraud is a crime, and raises everyone’s insurance costs. Consider…

A car owner inflates a fender bender claim to cover her deductible, or she understates how many miles she drives annually to lower her auto premium… A homeowner inflates the value of his stereo equipment stolen during a robbery… Or a printing business lists fewer employees than it really has in order to pay lower workers compensation premiums.

- http://www.insurancefraud.org/fraud_...under_set.html

 

you are a very negative person arent you?

I won't argure with you. (cuz I dont know if im right or not! )

anyway.... my mother is actually my insurance agent..... kinda helps on some things ya know!?

 

not really, im just trying to warn you......
good luck with whatever you choose - and, actually, if i was in your shoes, i'd do the same.

 

yea, I know... we all walk the line sometime... and who wants to get $10k in OEM parts if you could get 5k$ in aftermarket even better parts?


Nice type R's russianari.. i was going to get a 12" Type-X with a PG Xenon 1200.1 amp with a sealed box... but other things came up.

R's sound nice. You should try X's!!!

 

my next project is exhaust, but after that (if clutch is warranteed, which should be) is adding two more type r's and another memphis amp.
Type x's are awesome, but pricey, i paid $98 for each type r, the new models going for $115, the type x's are $225, i beleive. (i have an account with a couple places, get everything for cost).

 

Actually, technically, it is not fraud to have different work done. The insurance company insures that you will be financially restored for the loss you suffered (Less your deductable), up to the fair market value of the vehicle. If you have an estimate done for the repairs required to restore the vehicle to its pre-accident condition, and choose not to make those repairs, it is not fraudulent. If you choose to enhance those repairs, that is also not fraudulent. The insurance company has the right to question the estimate if they consider it to be unreasonable, but what is being suggested is not inflating the cost of the repairs, but rather getting reimbursed for the repairs needed and choosing to have alternative work done. For example, if an accident caused me to need $5000 in repairs, and I took the check and the wreck and bought a new car, that would not be considered fraud. In all of the "soft fraud" examples your listed, the intent of the insured was to misrepresent the actual damage / liability. That is not what was being suggested. If you are willing to reduce the future sale value (theoretically) of your vehicle by using aftermarket parts in place of OEM parts, that is your option as the insured. After the claim is filed and paid, the insurance company has no further interest in the accident. What would be fraudulent is to do a crap repair job, get hit again, and claim full value for the replacement parts. Again, that isn't what is being suggested.

 

hahaha dang ready this made me laugh haha...but yea know i wonder do the cover alligator hitting here in Florida LOL LOL!!!!!.............=P