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!

[JoKeRkId613]

the thing is, i really like the work the dealership does. ive had them work on my car's body before and came out awesome. can i just tell the dealer to put the 08 lights on there?

[Hanyo]

your not understanding how it works.


lets say you get a quote from your dealership. Insurance company will mail the check to that dealer ship. They will fix it back to the orginal look. You will then ask them to install 08 lights in and you will have to pay the difference.

THE WHOLE POINT OF GETTING A QUOTE FROM A DIFFERENT PLACE IS SO YOU CAN FIND A HIGHER AMMOUNT OF MONEY SENT TO YOU. THEN YOU GO SPEND THAT AMMOUNT OF MONEY AT A CHEAPER SHOP. If the cheaper shop is more 1000 dollar difference then you can spend that $1000 difference on JDM goodies.

Let me give you a super exaggerated example. I take my car quoted at the worlds best ferrarri/bugatti repair shop for $100,000,000. The auto insurance gives me $100,000,000 to repair my car. I take my car to my local macco and they do the repairs for $1000. i then get extra $99999000 to spend on upgrade.

the thing is, i really like the work the dealership does. ive had them work on my car's body before and came out awesome. can i just tell the dealer to put the 08 lights on there?