JDM EVO 9 REAR vs. INSURANCE ADJUSTER
Jul 20, 2007, 03:19 AM
#1
JDM EVO 9 REAR vs. INSURANCE ADJUSTER
My friend is an Insurance adjuster for cars, he is the guy you see telling body shops what insurance company's pay or don't pay.
He came over my house the other day and I showed him my new JDM EVO 9 Rear, also my new Rexpeed carbon fiber rear spoiler, he loved both products on their fit and finish.
he saw the crash beam sitting on my garage floor and mentioned WTF is that doing off the car? don't you know that the beam is engineered that if you get hit in the *** it absorbs and spreads the impact throughout the car, without that beam the damage will be more extensive.
I said who cares I like the look, but he then mentioned that he came across other cars that were hit in the rear that had the crash beams taken off and he DID NOT APPROVE TO REPAIR MOST OF THE DAMAGE.
any input?
He came over my house the other day and I showed him my new JDM EVO 9 Rear, also my new Rexpeed carbon fiber rear spoiler, he loved both products on their fit and finish.
he saw the crash beam sitting on my garage floor and mentioned WTF is that doing off the car? don't you know that the beam is engineered that if you get hit in the *** it absorbs and spreads the impact throughout the car, without that beam the damage will be more extensive.
I said who cares I like the look, but he then mentioned that he came across other cars that were hit in the rear that had the crash beams taken off and he DID NOT APPROVE TO REPAIR MOST OF THE DAMAGE.
any input?
Jul 20, 2007, 03:46 AM
#3
Evolving Member
iTrader: (11)
Join Date: Dec 2006
Location: GSO, North Carolina
Posts: 486
Likes: 0
Received 0 Likes
on
0 Posts
Yeah, insurance companies will throw a fit for that - because they're whiney, and they don't like to pay out a penny more than they absolutely have it. (Regardless of the fact that everyone's premiums are so high)
I'm constantly fighting insurance adjusters at the shop, trying to get them to pay for procedures that people have been doing for years, and are dubbed the "Right" way. They're getting to the point that if you have a very small dent in the very bottom corner of a panel, they want us to do a color+clear blend in the middle of the panel. (Possible, but not a correct repair, as it'll fail regardless of how good you/your product are - think Mopar paint)
I'm constantly fighting insurance adjusters at the shop, trying to get them to pay for procedures that people have been doing for years, and are dubbed the "Right" way. They're getting to the point that if you have a very small dent in the very bottom corner of a panel, they want us to do a color+clear blend in the middle of the panel. (Possible, but not a correct repair, as it'll fail regardless of how good you/your product are - think Mopar paint)
Jul 20, 2007, 04:24 AM
#4
Whether or not you like how something looks, and keep or remove the crash beam, the beam will reduce the cost of repair most of the time. We all know if your hit hard enough, it makes very little difference. But removing the beam is just one more excuse not to cover a car that has extensive damage.
It can be modified to fit, and its better than nothing.
I personally think its pretty stupid to remove the beams on a car that is street driven.
My car was rear-ended twice driving in daily traffic, once standing still at a light by a tool in a z28 SS driving 40mph, the first time it was a moron kid in an Audi, the way the car was hit, if there was no crash beam I'd have two kinked quarters, and a f'ed trunk and trunk floor, the car would have had to be totaled. Additionally without the crash beam, its probable the insurance wouldn't have paid for half of the damage.
Its hard enough to get insurance companies to pay to get a car fixed properly using quality OEM or aftermarket parts that were originally on the car. I'm fortunate that my insurance company recognizes modified cars and acts appropriately.
It can be modified to fit, and its better than nothing.
I personally think its pretty stupid to remove the beams on a car that is street driven.
My car was rear-ended twice driving in daily traffic, once standing still at a light by a tool in a z28 SS driving 40mph, the first time it was a moron kid in an Audi, the way the car was hit, if there was no crash beam I'd have two kinked quarters, and a f'ed trunk and trunk floor, the car would have had to be totaled. Additionally without the crash beam, its probable the insurance wouldn't have paid for half of the damage.
Its hard enough to get insurance companies to pay to get a car fixed properly using quality OEM or aftermarket parts that were originally on the car. I'm fortunate that my insurance company recognizes modified cars and acts appropriately.
Jul 20, 2007, 04:51 AM
#5
Evolving Member
iTrader: (2)
Join Date: Jan 2006
Location: Philly, PA
Posts: 344
Likes: 0
Received 0 Likes
on
0 Posts
If you don't have the rear crash beam installed, you are just giving the insurance co a built in excuse to deny your claim if you ever get hit in the place where the protective beam is supposed to be. Your insurer would be completely within their rights legally to deny such a claim.
Jul 20, 2007, 05:08 AM
#7
Evolved Member
iTrader: (4)
Join Date: Jun 2004
Location: CT
Posts: 1,514
Likes: 0
Received 0 Likes
on
0 Posts
To my knowledge, that part is not a crashbeam at all. It is a bracket or reinforcement for the bumper but not a crash beam. Anyone who has a crash beam with a jdm IX rear either fabbed one up or modified the original.
Trending Topics
Jul 20, 2007, 05:43 AM
#11
If you don't have the rear crash beam installed, you are just giving the insurance co a built in excuse to deny your claim if you ever get hit in the place where the protective beam is supposed to be. Your insurer would be completely within their rights legally to deny such a claim.
You are correct sir, I called my friend this morning and he said that if they want they dont have to pay a penny, even though the car was hit in the rear.
something to think about, but I still like the look.
Jul 20, 2007, 06:21 AM
#14
Evolved Member
iTrader: (18)
Join Date: Feb 2007
Location: Philadelphia, PA
Posts: 1,337
Likes: 0
Received 0 Likes
on
0 Posts
Yeah, insurance companies will throw a fit for that - because they're whiney, and they don't like to pay out a penny more than they absolutely have it. (Regardless of the fact that everyone's premiums are so high)
I'm constantly fighting insurance adjusters at the shop, trying to get them to pay for procedures that people have been doing for years, and are dubbed the "Right" way. They're getting to the point that if you have a very small dent in the very bottom corner of a panel, they want us to do a color+clear blend in the middle of the panel. (Possible, but not a correct repair, as it'll fail regardless of how good you/your product are - think Mopar paint)
I'm constantly fighting insurance adjusters at the shop, trying to get them to pay for procedures that people have been doing for years, and are dubbed the "Right" way. They're getting to the point that if you have a very small dent in the very bottom corner of a panel, they want us to do a color+clear blend in the middle of the panel. (Possible, but not a correct repair, as it'll fail regardless of how good you/your product are - think Mopar paint)
Jul 20, 2007, 06:41 AM
#15
i thought about this before getting mine... but if someone rearends you, it will be most likely their fault you can talk to them at the scene of the accident and tell them to pay out of packet and bs them on insurance going up for them blah blah blah... (<bad idea?)
Last edited by Slick-IX; Jul 20, 2007 at 06:44 AM.