Need Auto Insurance Advice, Car Accident Yesterday Options

[JoKeRkId613]

I was on I-95 headed home from a Scion show. It was raining and I lost control of my car (hydroplaned), spun out, hit a Buick on the side and she spun out, hit the wall. I was going about 45 in a 55. I basically need a new front bumper, both grills, hood, underbody panels, and head lights.

I've noticed some people have been able to score jdm projector head/tail lights, body kits, c/f hoods, etc. from insurance. How do you guys do this? I want them to replace my 06 head lights with the 08 projector head lights and tell them I had an oem lip on my front bumper. How do I go about being slick like this? The lights on my car are clearly the 06 lights. I have my crashed bumper in my trunk. What should I do? Thanks in advance for any help!

[lagos]

basically, make sure you go to a body shop that is NOT paid directly by your insurance co. i think they call them "service first" shops. the shop will give you a quote. then call you ins co. tell them to send an adjuster to your house. he will look over the quote and your car, and make sure everything is legit. after a few days, they will mail you a check for the damage amount. after that, its up to you what you want to fix or where you want the work done.