Chevy Cobalt Forum banner

Status
Not open for further replies.
1 - 20 of 47 Posts

·
Registered
Joined
·
79 Posts
Discussion Starter #1
Today I had my first wreck ever! The woman that hit me was on her cell phone and got into my lane and hit my passenger side fender. Now my passenger side door wont open and my new Konig rims are scuffed up and there is rubbing when I turn left. My question is.. if you have full coverage (which I do), does it cover aftermarket headlights and rims?

I feel so vulnerable now! This is the first car I ever bought on my own and it my baby! I can't do anything until the police report is finished which takes 3-5 days!
 

·
Registered
Joined
·
1,518 Posts
i guess it all depends on who you go thru for your insurance, ive heard of people that had aftermarket stuff covered and people who havent. Not sure how insurance works in KY but if the other woman is at fault her insurance should cover it.
About 2 years ago i hit some guys truck that my brother works with dropping him off and insurance covered my aftermarket headlights and the aftermarket grill on the other guys truck.... his hood went straight thru my headlight....

---------- Post added at 09:57 PM ---------- Previous post was at 09:56 PM ----------

oh, and got any pics?
 

·
Registered
Joined
·
79 Posts
Discussion Starter #6
dang wow
well they say KY is a no fault state but as soon as I called my insurance they asked me who was at fault?! but yea she is at fault. if i cant get a new rim thats okay, it just makes me mad bc i just got them in feburary!

i will download some pics shortly
 

·
Registered
Joined
·
1,518 Posts
Well the whole no fault thing makes no sense to me.... MI is a no fault state too...

---------- Post added at 10:00 PM ---------- Previous post was at 09:59 PM ----------

and 3-5 days for a police report? I had the police report and stopped at a body shop to get a quote faxed to my agent the same day. had my check in less than 5 days..
 

·
Cobalt Master
Joined
·
2,529 Posts
This is were u sue the women xp lmao

---------- Post added at 10:10 PM ---------- Previous post was at 10:09 PM ----------

Csuse she was on the phone while driving against the law lol but I do it all the tiiiiimmme

---------- Post added at 10:11 PM ---------- Previous post was at 10:10 PM ----------

But yea there only gonna cover all the body and paint and stock headlight
 

·
Registered
Joined
·
1,518 Posts
well keep us posted and don't forget pics!!! I would really love to know about the aftermarket parts being covered or not. Im pretty sure that since the aftermarket stuff in my situation was cheaper than new OEM may have influenced it being covered though....
 

·
Registered
Joined
·
79 Posts
Discussion Starter #13
well keep us posted and don't forget pics!!! I would really love to know about the aftermarket parts being covered or not. Im pretty sure that since the aftermarket stuff in my situation was cheaper than new OEM may have influenced it being covered though....
Oh sir, I will sue if I have to! and I just posted some pics one is form my phone and the link is from my actual camera showing the rim/tire.
I only paid $150 for my headlights so maybe... then again its just scuffed, still works! lol i was gunna buy new ones anyway
but i wil let you guys know what the insurance decides
 

·
Registered
Joined
·
79 Posts
Discussion Starter #15
Im positive that they wont cover aftermarket unless you have some sort of special insurance.
nah just full coverage, nothing added on to it. oh well lights still work, besides i can get some new ones later. sucks about the rim but thats fixable as well

---------- Post added at 09:23 PM ---------- Previous post was at 09:21 PM ----------

you cant tell in the photo but the fender has a dent too and the passenger door wont open.
wonder how much damage this is ?
 

·
Cobalt Master
Joined
·
2,529 Posts
Yea if just standard full coverage the'll just make it like it was before the hit but not with aftermarket parts.

---------- Post added at 10:24 PM ---------- Previous post was at 10:24 PM ----------

Hmm idk maybe a grand and half of damage if not alil more
 

·
Registered
Joined
·
1,518 Posts
well if the passenger door won't open its gonna need to be more than a bumper..... and it was a while ago but im pretty sure my insurance agent said that as long as the cost of the aftermarket parts don't make the damage exceed the value of the car and as long as the parts meet any saftey regulations required then they are covered.
 
1 - 20 of 47 Posts
Status
Not open for further replies.
Top