Join Date: Oct 2001
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Re: Wrecked the ZUK today F&CK!
Sorry to hear; good thing you were alright. You won't want to hear this but to cops and insurance companies, there is no such thing as an accident. Everything can be avoided. They'll hit you hard especially since you rearended someone. Sorry but that's the way it is.
Also, I don;t know how your insurance company works but mine here in Canada (a HUGE company across North America, maybe the largest) told me an interesting thing when the hood from my Trans Am was stolen. He said that any time you mod out a ride, whatever it is, they will NOT insure you for those parts. Case in point: having a different bumper, lighting, tires, blah, blah, blah. They will replace it all with stock components only. If you don't like it, they'll cut you a cheque for the value of the stock parts. That's it and you're on your own.
I asked him a hypothetical question: suppose I had a blower on my TA and it was stolen along with the hood. Would insurance cover me? Answer: hell no! First it wasn;t a stock piece, and secondly they would only replace it if they knew I had it. And at that point, the insurance would have been denied or outrageously high. Good luck.