Is this where you hit them with the diminished value claim too, and show that it puts you over their threshold? Like if it's 38.5k to fix and you can show it's now worth 15k less to the market, shouldn't Geico be making a decision based on having to pay the shop + you 53.5k total?
Never took it to a shop. In my mind it was totaled so I payed to have it towed to my driveway so I could remove the winch, etc. Adjuster came to me.
Mostly a good outcome, glad to hear. You were safe and no one was hurt, so that's the good outcome I guess. This is just icing on the cake. Sucks you're probably out the lift but now you're $60k better than you thought just a day ago.
Fingers crossed!
We are pursuing a DVC on my daughter's like new (less than a year old) Renegade. What kind of shop are you talking about to get a value after repairs - dealers?
Dealers or officially sanctioned repair shops by your insurance company. Either one works. The two times I have done this, I went to my normal dealership, a separate one, and two other body shops my insurance company sanctioned as acceptable shops. That way I got a feel of who was higher, and what the cost would roughly be dealership vs normal body shop.
Because your contract with your insurance company won’t say that’s covered. It will say something along the lines of “pay the lesser of repair or replace with like kind and quality.” Your insurance will pay for a fender if one is damaged. They won’t pay for an “intangible”
I have GEICO as well. I called them and added a $3k "customization" rider when I did my Mopar lift and tires. Changed my premium by maybe $5-7/mo
Is there ever any concern that they can blame damage on the suspension alteration? As in - if you didn't have the lift, the accident would not have totaled the vehicle?
Well in my particular case, my argument would be that it's a lift made by Jeep. They didn't seem to care at all what the mods were, just the value.
